vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-27 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Property surrendered to CitiMortgage in chapter XXXX bankruptcy in XX/XX/XXXX. A different entity attempted to foreclose in XX/XX/XXXX which suit was voluntarily dismissed in XX/XX/XXXX. In XX/XX/XXXX, CitiMortgage claimed it purchased the discharged debt. Between XX/XX/XXXX through XX/XX/XXXX, Citi declined numerous generous offers for short sales and deeds-in-lieu. We then sued Citi for illegal debt collection of the discharged debt and settled the case in XX/XX/XXXX, in part turning over possession and control of the subject property to Citi, which they accepted, in exchange for our promise not to contest an imminent foreclosure. CitiMortgage has declined to foreclose or maintain the property, or to release the lien to prevent blight, and it has now become an eyesore and danger with rotted steps and porch, no air conditioning or water service for at least 7 years ( in Florida ), has dangerous tree growth, etc. The homeless have found shelter underneath the house. The liability to us for injuries is great as the property is still titled in our name despite delivering possession and control to CitiMortgage. The property lies in the middle of a historic business district with intermingled residences and use to be a beautiful landmark - it draws many 'lookers ' onto its expansive and now dangerous porch. Citi is now again beginning its barage of letters to us wanting our financial information for loss mitigation even though we have no personal liability on the loan and have turned over possession and control - including all keys. Citi agreed, in part, to close the account except as required to foreclose. We have complied with all our legal obligations under the bankruptcy code and the lawsuit settlement, and Citi has declined to foreclose. For 7 years Citi has denied us our fresh start, denied the City of a blight free property and denied all willing buyers of the opportunity to occupy and maintain the property which would preserve the historic nature of this community.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I opened up a citigold bank account using the promotional code I received in the mail XX/XX/XXXX, in order to receive a bonus of XXXX XXXX XXXX miles once I made at least {$1000.00} debit card purchases and made bill payments in 2 consecutive months. Once I met the requirements for the bonus I send a message to citi for confirmation. They responded that I did meet the requirements and that I should see the points no later than 3 months after the end of the month in which I finished the requirements ( which was XX/XX/XXXX ). So XX/XX/XXXX comes around and I call them to ask about the points, they do n't have a clear answer and open an " investiagtion '' into the points. I get a notice more than a week later that says they will not honor the promotion because I was not " targeted '' even though the code they sent me let me apply and their own customer service agents confirmed I would be receiving the bonus. Meanwhile two months of {$30.00} " service '' fees have been taken out of my account while I have been waiting for this to be resolved by Citi.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-11 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I have previously made a complaint to the CFPB about Citibank not honoring their commitment to give me XXXX Thankyou points ( see CFPB complaint XXXX ) They agreed to give me the XXXX points within 30 days. of their letter of XXXX XXXX, 2016. It is now XXXX XXXX, 2016 and they have still not given me the points even after six phone calls and no return phone calls.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-20 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
The last date paid was in XXXX XXXX and the tradeline should have been removed in XXXX XXXX. The records on my XXXX credit report states that they last received a payment in XXXX They are saying that it will be removed in XXXX XXXX which is well over 7 years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I received a a letter on XXXX/XXXX/2016 advising that my " XXXX '' account was being cancelled and I had the ability to re-new. The envelope and memo were non-descript so I was not aware what this service was really about. I thought this was a phishing scam. 

I called on XXXX/XXXX/16 and was advised that Citibank had signed me up for this service since I had done business with them in the past. It seems this service is a credit monitoring service (??? ). The agent cancelled my subscription and was helpful but was not able to provide any contact info for Citibank. I have NOT had a Citibank account for years nor received any notice I was being signed up for this service OR what access to my records they were actually monitoring. 

I 'd like to understand why Citibank was allowed to do this without my permission and what personal information does this company have access to. 

Their contact info is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citibank returned my payment made by check for no reason and proceeded to charge me a late fee. I had the funds to cover the check and the representative lied and said my bank returned the check to them. XXXX of the vice presidents at XXXX XXXX XXXX assisted me with a XXXX call to get the matter resolved. I feel they tried to defraud me, a XXXX, by returning my check and could not provide me an explanation and charged me a late fee. I wonder how many other seniors they do this to???

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am receiving calls asking to pay a account was Charge Off. 
Company is making threats to go to my house with attorney to go to court. 
They say they will take money from my bank account, If I do not pay XXXX payment with full balance. 

I request prove validating the account I was never informed account was sold.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Please help me with Citibank in regards to my Home Depot account. I 've contacted Home Depot / Citibank several times regarding a XXXX 2015 late payment they reported to my credit bureau. I 've provided a detailed explanation to Citibank and asked them to remove the one late payment report from my credit bureau record due to my hardship which they refuse.to do citing FCRA requirements. I 'm a XXXX XXXX veteran had suffered recent tragedies which included the death of my young son, a XXXX by my mother and the loss of my job of 15 years. I made the XXXX 2015 payment late as it was an oversight given the events in my life at that time. I was never late with Home Depot payments before or after the XXXX 2015 payment, however, the negative impact to my FICO score related to Citibank/HD reporting me late has given me additional hardships because it has impaired my ability obtain financing from other lenders. I 'm not sure why Citibank refuses to assist a customer in need and not understand that sometimes terrible things happen to people and they as a lender should provide assistance instead of additional hardships and/or hurdles. I understand Citi/HD XXXX not feel there is a regulatory requirement to assist customers in need like me, however, I 'm hoping that with your help perhaps they can have some compassion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
I had a Citibank card for sears. When I first took it out I was called to enroll in the XXXX coverage for sears card. I had a trial period to try for free. I never really used the card so I called and canceled the coverage. They said ok. I let my daughter use it who is a single mother for a small amount is what I told her. My daughter is on the XXXX and try 's to do things on her own. Well time went on and she had charged a large amount on it. 
I get a call when I get out of the hospital from XXXX from Citibank telling me she was late on the payment and owed about {$10000.00}. I was shocked that she never told me about this. When I found out she had done this I started to pay the loan down and found out that sears had been charging for the XXXX insurance the hole time which totaled about {$2500.00}. When I called sears they said they would refund the charges and cancel it because I explained I canceled the coverage before I let her use the card. I was refunded for two months and told they had no record of me every canceling it. I explained how my daughter had run it up with out me knowing it and thought she had paid off what she had charged. I spoke to supervisors at sears XXXX and XXXX told me there was no record of me canceling it and she did n't believe me when I said I did n't know she had charged that much on it. so I had to file a request for higher up and that was denied. I told them to look at the account to prove as soon as I found out I started to pay it down quickly and to remove those charges. Come to find out it was a person at Citibank that made that decision. I told them if I would of know about the coverage on there and they did n't cancel it I would of made a claim for when I was laid up for XXXX months. They told me I stilled owed for the coverage and nothing I could do about it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
In 2013 I purchased a washer/dryer from Best Buy at which time, I was told that if I got a Best Buy credit Card, there will no be finance charges for 36 months.I'eve paid he monthly payments regularly every month, the balance at this time is {$750.00}. Then today, I get a bill from them advising me that may balance due is {$1900.00}! an increase of more than {$1300.00} claiming that because I did not pay the loan in its entirety when it became due, I would have to pay {$1300.00} in interest charges. Obviously, because the loan is more than 3 years old, I forgot to check the due date, and I feel this company should have at least sent some type of warning advising me of this important date, I feel they did not do this simply wanted me to forget the date and therefore, make money from me. To me, this plain and simple extortion. I have a XXXX XXXX which means that I pay my bills, every month, and on time and I feel this charge unreasonable and should not be paid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have XXXX recent files where I filed notice against Experian and invallid accounts listed on my credit report. After waiting 2 months for this to be corrected I received a credit report from Experian showing that all have been taken off. Unfortunately, today I opened my credit file and they have put everything back on. I do n't know if this is a tactic in which they make people think they followed the law and did what the law states but after you let your guard down they go back to their old bag of tricks. I REQUEST YOU PLEASE look into Experian and the following companies. XXXX XXXX is a debt that I was XXXX notified of over 20 years ago. Someone stole my identity, I did not go to college, I did not reside at the location listed when these were applied for. Not only that but the debts were removed 20 years ago and now reappeared and deleted for 30 days and put back on. Request that this be taken off. They have XXXX loans listed with account XXXX, XXXX, XXXX, XXXX, XXXX, XXXX again request removal COMPLETELY and never to be listed. Also Tranfinancial was paid even though the debtor could not verify it was mine I PAID THIS to get things correct on my file. XXXX XXXX XXXX ... debt is over 8 years old from original debtor dispute sold numerous times was removed and put back on. Also, LVNV funding although identity theft was removed and replaced again, original debt is over 8 years old, account XXXX ... ..was sold several times in over 8 years. ALL of these debts took 2 months process from XX/XX/XXXX of last year and were removed but readded. Please look into this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-04 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I opened a credit card XXXX years ago with CITI. They promised to give me AA rewards for every dollar I spent. About a month ago I got a letter from XXXX that they are shutting down my rewards account and taking away all my rewards claiming that I violated the terms of their program. I had over $ XXXX rewards worth {$4200.00}. 
I could have used a cashback card or any other rewards card to receive rewards/cash on my purchases. I continue to use the CITI business card for our business and we are losing money we could have received every month

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-18 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I did not get my XXXX miles bonus when I signed for a credit card. I was supposed to spend {$3.00} in 3 months. I spent about {$15.00}. Horrible customer service. I will close my account if I do n't resolve an issue. I will give bad reviews based on my experience. You have a lot of competition on the market. Do you want you image to be compromised? I will work on it if my issue is not resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
Sears Credit Card has changed the way to access online statements. You now need to have an active credit card to create an account. They closed my account two years ago when I was unemployed, even though I paid them on time every month. Now I can not access my balance or schedule payments because I can not access my account online. I have to wait for them to send me a monthly statement in the mail ( and they do n't even provide a mailing envelope anymore! ). I feel this is an underhanded attempt to get people to mail in payments late so that they can collect more late fees off account holders who no longer shop with their credit cards.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I file an affidavit with Federal Trade and Commission the reference number is XXXX, I also file a Police Report with all the list of the accounts involve with the Identity Theft. I am having a hard time in dealing with XXXX XXXX XXXX XXXX XXXX XXXX even thought the account was open back in 2008 but such account was hacked and I am not agree with Balances this account has that are not mine hackers make so much damage to anyone involve on this Identity theft issues I am Requesting Clearly to XXXX XXXX TO REMOVE/DELETE this account I am not responsible of what they are claiming to be mine. I hired XXXX to help me but XXXX XXXX continues reluctant ignoring the facts of what being a victim of identity theft means. I need your help to refer me with any other Government Agency to enforce what the law states about Consumers who are victims of Identity Theft. or may be you can help me. I am NOT agree at all with JH XXXX with their procedures about how they review and deem this account to be validated, Confirming my Address and my Name, signatures, etc ... does n't mean I can not be immune to be a Victim of hackers utilizing my name to commit fraud/scam utilizing my name pretending I am the one who is doing whatever they are doing. This is the point that XXXX do NOT understand and where I need help for someone to explain them what a Victim of Identity is about. Thanks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Four months ago, I applied the CITIGOLD account with the promotion of XXXX AA miles. Before applying, I double checked with their representative if I 'm qualified, they told me yes, I 'm totally qualified. According to their policy, they should give me XXXX AA miles at the beginning of this month, but they did n't. I called them several times this month, the representatives checked and told me I 'm qualified for the promotion and they should have given me the bonus of XXXX XXXX miles. In the meantime, they told me they 'll go ahead and deposit XXXX XXXX miles to my XXXX account within 48 hours and they 'll email me about this. But I waited for a whole week, nothing happened. Then I called them today, they let me provide the proof that I 'm qualified for this promotion, which is ridiculous since that 's four months ago, how can I keep the proof with me? I receive lots of mails everyday!!! They said if I do n't have proof, then they 'll review the case and it 'll take 30-60 days. I feel like they do n't want to give me the bonus anymore, they 'll take one or two months to deal with this and I do n't even know the result. I feel like I 'm fooled by them. I googled and found out many customers are in trouble with this like me. I really do n't know what to say.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-09 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Aggressive sales pitch and misrepresentations for a jumbo purchase money loan by Citibank 's loan officer, XXXX Sun, XXXX # XXXX which resulted in a declined loan with lower counter offer than originally approved for, higher pricing and fees than promised, and numerous mistakes in documentation causing late closing of escrow.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
On XXXX/XXXX/2016, I went to the Citibank branch located in XXXX, XXXX ( XXXX XXXX XXXX ) at approximately XXXX. I attempted to deposit a third-party check into my Citigold account endorsed to me by the payee ( my fianc, who also has an account with Citibank ). At least monthly for the last year, I have made this deposit without incident. I was initially told by the teller that Citibank does not accept third-party checks. I requested to speak to the Citigold representative, XXXX XXXX. I asked XXXX XXXX if he could look up the third-party policy and let me know what it says and I asked if there had been a recent change. He stated he did not know and was unwilling to look it up after several request. I asked to speak to the manager, XXXX. XXXX. XXXX XXXX gave very terse responses when I asked if he would call the payee and verify with him directly or look up the policy and explain to me what it says. At this point, it was XXXX. XXXX XXXX stated there was no third-party check policy at all and that he makes the final decision and was not willing to accept my deposit. However, he gave no additional reason ( s ). I left the bank feeling like I had been treated like a third class citizen. Feeling like what I was told was untrue, I logged into my Citigold account and searched for the client manual. There, on page XXXX, under " Check Cashing, '' it states " Third Party Checks. In certain instances, we may allow you to cash a third-party check ... .at a Citibank Branch up to the available balance in your account using your Citibank banking card as identification. '' This was beyond upsetting as I blatantly lied to and refused rights listed in the Citibank Client manual. Neither the Citigold representative nor the manager bothered to look up my account balance ( $ XXXX ) or ID me through my bankcard. I was deceived and treated unfairly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation