vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-25 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
on XX/XX/2016 my representation submitted documents to citi bank for mortgage modification on my second mortgage due to reset XX/XX/XXXX. Since then it has been a constant process to keep supplying documents as they go stale from lack of action on Citi banks part. At some point they breached the privacy act by including my first mortgage ( citimortgage ) without my authorization. I made an information request on XX/XX/2016 as to how it happened and other questions including copy of my authorization and was given vague umbrella pass the buck answer yet my Home specialist name was all over it. That was XX/XX/2016 and citi has not responded to my representations request for status update since. That request went unanswered in detail.Today my representation informs me citibank will not talk to her unless i am present. I called number supplied by home specialist and it did not provide any means of entering extension provided by home specialist. I went through automated phone to mortgage assistance and just so happens my specialist got the call. When confronted about lack of status and updates, she claimed it was on hold for lack of documents which my representation confirmed was sent when requested ( conference call ) and that she ( home specialist ) was sick for two weeks, no alternate contact and no automated response she was out of office. Home specialist said I have to start over and that the second will reset in XX/XX/XXXX. Citibank has intentionally let documents go stale, ignored my QWR, stopped communicating with my representation since QWR, forcing me into default destroying my credit of XXXX+. Check consumer complaints and you see this is a pattern with citibank. Hard to get all this in a comprehensive manner. In short my complaints are simple and deserve looking into with a broad scope. 1. Citibank failed to respond to my information request 2. Citibank mishandled my personal information 3. Citbank is failing to work with integrity to help me and other homeowners wanting to keep their homes despite federal regulations that mandate assistance. Bait and switch, take in the applications drag them out until foreclosure, take the property and meet the numbers for assistance applications then blame the homeowner for failing to provide some obscure meaningless document for successful modification. 
In my research Citi Bank and citimortgage have XXXX different tax id # s neither of which are registered with XXXX ca, more confusing is my statements come as citi bank and citi mortgage yet the year end mortgage interest statement for both just shows citimortgage tax id number? Im a consumer please help me keep my home and police the actions of this bank.

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 2016-08-04 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I was offered XXXX Thank you points from Citibank to open a CitiGold checking account in late XXXX. After finally taking advantage of the offer, I called to verify with Citi the first week of XXXX XXXX to verify that in fact I would receive the bonus points as I knew this account costs {$30.00} each month and I did n't want to waste my money. Just to further verify, after I transferred money to the account on XXXX/XXXX/XXXX I decided to get that verification in secure chat to add to my documents. The representative then verified what I would need to do to get those bonus points and I took the screenshot. Citi is now not honoring these points after already withdrawing {$60.00} from me for the monthly fees and saying I have to provide proof of the initial letter in XXXX. Good grief, a letter from XXXX? I feel that Citi is gathering fees and when it 's time for them to pay their end of the bargain, they reverse course.

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 2016-05-10 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: SFS, Inc
State: OK

Complaint narrative:
I took a loan out with One click cash for {$800.00} installment loan and they want to repaid over {$4000.00} in 20 months!!!! This is illegal and loan sharking.

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 2016-02-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I have applied for a modification with my mortgage company and I 've being getting the run around for about 2 years now. Now they are saying I need to restart the process. The modification was requested because of the passing of my wife.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2016, I bought an electric dryer from Sears. I needed a gas dryer so when they came to deliver it, they said I bought the wrong XXXX and it was returned to sears. I then bought a gas dryer. At the end of the month, I receive a bill for the gas dryer and electric dyer. I called sears and said I never received the electric dryer because I have the gas dryer and they said they would remove the charge. The next month, the electric dryer charge is still on my bill. I called again and they said they would refund the purchase. Basically every week since that month, I have been asking Sears to remove the charge from my account since I never received the product and they promise to fix it and do nothing. Meanwhile, I m being charged interest and late fees on a product that I have never received. This is the only charge on my sears card and I refuse to use my card until this is settled. I have even started recording my conversations with sears as I am planning to take this to court if it is not resolved by the end of the month. It has been XXXX moths since the date of purchase and they have yet to resolve their mistake.

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 2016-11-26 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Citibank Home Depot Credit services enrolled me in paperless billing without my knowledge which caused me to not receive a paper statement in the mail informing me that I had a balance due. After 90 days, they called me to inform me of this and I promptly made a payment and closed my account. My concern is what negative impact this has caused on my credit score and rating. I have a personal attorney and he will be looking into this for me and filing the necessary legal action to return my credit score and rating to it 's previous state.

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 2016-06-30 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I received an offer to apply for a Citibank CitiGold Checking Account, with a sign-up bonus offer of XXXX XXXX XXXX miles after completion of the terms ( a direct deposit, 2 monthly bill payments, etc ). I completed the terms of the offer. I sent a message asking to confirm completion of terms and when to expect the miles. I was assured that I completed the offer and I would receive the miles on XXXX/XXXX/06. On XXXX I sent a message to make sure the miles would post as promised, only to receive a reply that I was not eligible for the offer and therefore would not receive the bonus points. I am not satisfied with this. I have evidence of the terms of the offer I signed up for, a message from Citi acknowledging that i was 1 ) eligible 2 ) have completed the terms and 3 ) should expect to receive the bonus. I would appreciate your assistance with this matter!

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 2016-04-16 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I signed up for a XXXX XXXX Citibank Visa in XXXX 2016 and started using the card. 
On XXXX XXXX, my partner, who shares the credit card account, got an alert from XXXX about a negative note on her credit report for late payment of a bill. This shows as registered with XXXX and XXXX. I immediately contacted Citibank and payed the balance in full minus the most recent late payment and interest charges which they removed. The thing is that I had never received a paper or email statement or any notification about a past due payment-since the inception of the account. They had a valid email address as evidenced by my receiving a payment notification ( and I confirmed it with the phone agent during my initial call ). Though he agent waived the most recent feeds, he never mentioned the previous billing cycle 's late payment and interest charges ( and also offered only to have me make the minimum payment vs. paying in full ) which I discovered when reviewing my charges a few days later. In a subsequent phone call to Citi on XXXX XXXX, 2016, the agent told me they could not reverse those charges ( she put me on hold to apparently check with a supervisor ). 

Since I had never received billing notifications of any sort from Citibank, they should also reverse the first billing cycles fees. The scarier part is that had we not gotten the notification from the credit bureau, it could have been worse. 
I use a number of credit cards and typically pay in full, on time, every month. It did not occur to me that I might have to proactively " ping '' the credit card company because they neglected to send any bill. We are all conditioned to respond to a bill we receive, otherwise it 's " out of sight=out of mind. ''

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 2016-11-08 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I signed up for a 0 % APR interest credit card from Citibank. I was issued an 18 month 0 % credit card in late XXXX / early XXXX. I was given numerous interest fees. I called on XXXX XXXX express my frustration. Citibank stated " they would get back to me in XXXX - 10 business days. '' They never did. I called on XXXX XXXX. And my second inquiry into the fees resulted in stating that I never signed up for a 0 % 18 month interest free credit card.

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 2016-10-12 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XXXX XXXX, 2016, around XXXX eastern time, a {$500.00} unauthorized withdrawal in my debit card was taken. Upon checking my balance, i called my bank & was transfer to the dispute department to file a case. After filing the report over by the phone, XXXX the dispute department, instructed me to file a police report. Filed the police report on the same day forward confirmation back to XXXX. When i ask for my money to be credited ASAP, i was transfer to different people, nobody was able to help me even though i told them that the money was for my rent, rent that is due and might be evicted if not paid within 3 days. I was told repeatedly that they ca n't do anything for me. I was really frustrated and hopeless. I was a loyal customer with this bank and they would n't do anything to help me. I feel something wrong was done to me.

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 2015-07-20 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Sears corp has not forwarded to me an invoice since XXXX 2015. I spoke to an agent who forwarded my complaint to Sears corp and citi bank regarding the same subject matter and nothing has been accomplished since my complaint was filed 90 days ago I am requesting my reference number for that complain My e-mail account is XXXXXXXXXXXX. you have 7 days to submit this request

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-04 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hello. Ihave had a Macys card for decades. Almost always I pay the card in full every bill. For the last year or so ... I receive the bill online. I log on IMMEDIATELY and pay in full. However, the nenxt month, without fail, I am billed anywhere from {$1.00} to {$5.00}. I then have to call and ask what this is ... as I have paid the bill in full the same day it was received. I am told it is interest. I tell them I have paid the bill in full as per the EXACT amount they billed. The rep has waived the interest lately but today I have another bill for {$300.00}, and it is the same thing. It is a holiday and I do n't want to have to deal with this again. This seems illegal and certainly unethical. I have every email and bill and payment saved for verification of the payments made. Can something be done about this? Why show an amount due on a bill ... it is paid well before it is even due and then there is some arbitrary balance? The Macys card seems to be through Citi. XXXX

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 2016-11-03 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Signed up for Citigold XXXX bonus back last year. The fine print of the promotion stated that XXXX points would be credited to my account if I met the qualifications. I opened the account, completed the requirements ( {$1000.00} debit spend, XXXX bill pays, etc. ) and confirmed on the phone with an agent that my account would soon be credited. 

Several months later I still had not received anything from Citi, despite having completed the promotional requirements and confirming over the phone with the agent that I had done so. Another phone call to Citi resulted in an agent once again telling me that I had completed the requirements and the points should post. 

After another month of no points, I was getting very frustrated. The bank account was $ XXXX/month, more than I would normally spend on a bank account, but the promotion and the benefits made it worth it. After calling in for a 3rd time to confirm, I was told that there were no past communications or points that were coming my way. Extremely frustrating since representatives from the same number told me otherwise. 

I recently closed the account, which actually resulted in the institution downgrading me to the basic account, and charging me $ XXXX/mo + {$34.00} overdraft fee since I emptied the account when calling in to initially close it. I am incredibly frustrated and have spent so much time and effort speaking with representatives and moving money around.

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 2016-10-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Loan modification package has been received by lender but sale date has not been postponed

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 2015-12-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I obtained a mortgage modification from CitiMortgage and although I was only {$51000.00} behind in payments, the total amount of payments I would have to pay over the term of the new modified loan is over 10 times that amount ( {$570000.00} ). I was only 9 years and 8 months away from paying off my original mortgage. Now, I have 40 years of payments per the new note. This is CRAZY!!! I had no choice but to sign the loan mod or face losing my house. I spoke to CitiMortgage representatives and they could not offer any explanation. I do n't think this is a fair practice at all. I understand I am responsible for the original note/principal balance, but to be charged over 10 times the amount I fell behind does not seem fair at all. I believe Citi is taking advantage of people in difficult situations. I am out of the mess I was in and have been current on my payments. I just ca n't seem to fathom making 40 years of payments. Citi did n't offer the XXXX XXXX XXXX Program to me despite receiving government money. The XXXX Mod that they offered was an in house loan mod program and I believe it is truly taking advantage of people in similar situations. Citi should be held responsible for their actions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I received a letter from Citibank informing me that I could submit a claim to be included in the lawsuit against them regarding their identity theft monitoring product. However, the website address in the letter took me to a page that does not exist. I spent a half hour searching the web and making phone calls trying to find the correct web address. I called Citibank at a number I got from the internet ( there was no phone number in the letter ) at XXXX. The agent there had no idea what I was talking about and gave me the number for the FTC ( XXXX ). They also had no idea what I was talking about, and gave me the number for the Consumer Financial Protection Bureau. I spoke with XXXX, who supplied the correct web address XXXX and I successfully submitted a claim. All of this took 28 minutes. I then spent another 10 minutes filing a complaint with you about the misdirection perpetrated by Citibank in the letter they sent me about filing the claim. All in all, this cost me nearly {$50.00} because my time is worth {$75.00} an hour. 

Sincerely, XXXX XXXX

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 2015-04-07 00:00:00
Product: Credit card — 
Issue: Privacy — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
My credit card company ( Citi ) contacted a person never added to or authorized on the account by phone. I did not authorize the person, or provide their phone number, to the company. They told me they accessed a 'government database ' to obtain this persons phone number. None of this was authorized by me at any time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
THERE WAS NOT AN OPTION THAT BEST DESCRIBED MY ISSUE ABOVE. SEE BELOW FOR COMPLETE UNDERSTANDING. 

I AM FILING A COMPLAINT AGAINST THE COMPANY MACY 'S DUE TO UNFAIR REPORTING TO THE CREDIT BUREAUS. I ACKNOWLEDGE THAT I OPENED AN ACCOUNT WITH THIS COMPANY AND FAILED TO MAKE PAYMENTS. THE LAST ACTIVITY REPORTED WAS IN XX/XX/XXXX. THE ACCOUNT WAS CHARGED OFF AT THIS TIME. ACCOUNT WAS OPENED IN XX/XX/XXXX. I RECENTLY REACHED OUT TO THE COMPANY TO OFFER A SETTLEMENT/PAYMENT AND I WAS TOLD THE ACCOUNT WAS TOO OLD TO ACCEPT ANY PAYMENTS ON IT. THE COMPANY HAS NOW STARTED TO REPORT TO XXXX LATE PAYMENTS MONTHLY AFTER THE LAST REPORTED LATE PAYMENT WAS IN XX/XX/XXXX. I DO NOT UNDERSTAND WHY THIS COMPANY IS ABLE TO REPORT LATE PAYMENTS AND I CAN NOT RESOLVE THE ACCOUNT. THIS IS GREATLY AFFECTING MY CREDIT SCORE.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-30 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I had a fraudulent charge on my account. After declaring it as fraud the card was closed and I was told I would have a new card in 5-7 days. After 10 days I contacted them again and they assured me the card was on the way. After another 8 days I called and they told me the account was closed and no card was issued. The only way to get a new card was to open a new account and go through the process. After agreeing to leave it closed I asked about the fraudulent charge still on the account balance and I had to go through the process again of declaring it fraud as if it had never happened before. Very disappointing after having the card for over 8 years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief