vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-20 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My mortgage holder was Citycorp XXXX On XXXX XXXX XXXX my wife XXXX XXXX, ( aka XXXX XXXX XXXX Acct # XXXX ) died of XXXX XXXX. XXXX and I ( XXXX XXXX XXXX XXXX ) owned a property in Joint Tenancy, XXXX XXXX XXXX XXXX # XXXX, XXXX, and Ca XXXX. Citicorp owned the loan XXXX # XXXX XXXX. 
As early as XXXX XXXX I contacted Citicorp to insure the loan stay in good standing and we corresponded about this item. I was asked to supply to Citicorp the followings : Death Certificate, Marriage certificate copy of the current Deed, and Probate Status N/A. 
I comlp1ed to all with a letter explaining there was no probate because the assets did not merit a need for probate. The main asset was the real property, and it was in joint tenancy so it automatically escheated to me. 
I did this several times, each time the person on the phone said they did not receive the material. When I did not hear from Citicorp XXXX ) # XXXX, XXXX XXXX XXXX XXXX I opened an auto bill paying account to make bi-monthly payments of approximately {$560.00} through my Bank XXXX XXXX. 
Payments have been continually sense that time. 
Recently on XXXX XXXX XXXX I received a notice posted on the door to contact XXXX XXXX XXXX XXXX. Upon contacting XXXX XXXX I found the Citicorp loan had been sold to them in XXXX XXXX. I was also told the loan was in default, and going to foreclosure by the end of the month. 
I was angered because I had been making payments as agreed. I was also angered because I never received a notice of transfer to another entity even though Citicorp XXXX XXXX had my phone number correspondence. 
Meanwhile I have been making payments all along, and in the rears {$13000.00}. 
WHERE DID THE MONEY GO? XXXX said they do n't have it. XXXX XXXX says they sent it to Citicorp XXXX, and have provided documentation showing payments going back 18 months. I would like my money NOW! I 'm out over {$13000.00} I am faxing you the following : Marriage Certificate Death Certificate Grant Deed ( XXXX XXXX to XXXX XXXX and XXXX XXXX Joint tenants ) Affidavit of Death of Joint Tenant Grant Deed ( XXXX XXXX XXXX to XXXX XXXX XXXX and XXXX XXXX Joint tenants ) Old fax Cover Written Communication between Citimortgage and XXXX XXXX XXXX XXXX & XXXX Property Profile Payment, Amount & Date Plus Internet Verification of Payments from XXXX XXXX Partial Hopefully we can settle this without litigation. It seems so simple, money sent to you what did you do with the money?

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 2016-05-21 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX XXXX sent me a {$40.00} reimbursement check on XXXX XXXX, 2016. I notified them to mail me a check since Citibank account was closed. Instead XXXX told me that they put it back on Citibank account. Both Citibank and XXXX said they do n't have the money. XXXX said sent to Citibank. They said they never received it. My Citibank account was closed by the Branch Manager on XXXX XXXX, 2016.

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 2016-11-01 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Citi Bank Cards Customer Service has BLOCKED my accounts. 

Can not get any support fees, disputes, credits, and card retention. 

Six months of ZERO support. 

Elevated problem to Presidential Escalation and the managers NEVER responded back to solve numerous problems. 

XXXX XXXX XXXX, rudley hunup on me not willing to listen and resolve probelms. 

XXXX XXXX is a problem within teh XXXX chain of command with his bhostile attitude and unprofessional treatment.

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 2015-11-04 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
ATT universal card through Citi, XXXX XXXX, 2015 some with XXXX, Account Manager in the Maryland office, XXXX. She was to provide my account number via email within 24-48 hours, XXXX told me she did not have a telephone extension tgat if I called back they would send her a message to reach her. XXXX XXXX, 2015 I had not received the information. I called back spoke with XXXX, XXXX, she said XXXX was in and that she reached out to XXXX. XXXX stated that XXXX was assisting another customer and would call me. I provided my telephone number XXXX times to XXXX. XXXX XXXX information still not received and XXXX did not call me back. I called again spoke with XXXX, XXXX, I asked for someone above XXXX and was placed on hold. I was told that I could speak with XXXX another Account Manager. I said no that I wanted someone above XXXX 's level and I was told that is the hugest level in customer service. I told her I did not believe tgat XXXX is the highest level. I was told she is the highest level and for me to write Citi about it. 
It is eight days since XXXX told me my account number would be provided to me by email within 24-48 hours.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Back in XXXX of 2015 I opened a Citigold checking account with an offer stating I would receive XXXX XXXX XXXX miles after meeting outlined criteria. I then met those criteria, confirmed with a Citi representative that I had met the criteria, and was told to expect the points to be deposited into my account by the XX/XX/XXXX. During this time I was charged two monthly service fees of {$30.00} each. Now, after confirming this promotion was applied to my account, confirming that I had met the requirements, and confirming that the points would be deposited in the XX/XX/XXXX. Citi has pulled a bait and switch. They have suddenly decided I do n't qualify unless I can find a postcard from 7 months ago showing the offer. Who keeps junk around that long and why was n't that mentioned before? Now I have {$60.00} of fees and I will not be getting my points. I am still to date asking them for the points and wanting to understand how three people saw that I qualified but am being turned away. It has become apparent that I have to uphold my end of the terms and conditions by paying a monthly service fee, but Citi does n't have to uphold theirs. Something needs to be done. I hope enough pressure can be put on Citibank to make them honor the promotion they already told me I qualified for. 

Thank you & regards, 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 monetary relief
Consumer complaint received 2015-11-06 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Macy 's assessed me a late fee. They have a new website that locked me out and would not allow me to pay the bill. When I called to have the late fee removed they said that they would but that it was a courtesy removal and that I would only be forgiven this XXXX time. Even though it was their fault. Then when I called to pay my bill the next month I asked if I could pay half now and half a day after it was due and they would not take my money and charged me a late fee, no grace periods, no courtesy forgiving of lateness because they had just done so last month.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-29 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citi is in engaging in bait and switch of bill statements. We are constantly having to request a paper bill when we have never as to paperless. In between billing statements they are sending paperless billing to our email. We have never asked for paperless. What happen is on the months they are bait and switching to paperless leading us to believe we are maintaining payment that are not 30 days delinquent. We have lost XXXX % of our income and have still continued to make payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
The following credit card company reported a late payment on my account when in fact they were paid on time XXXX reported non payment after I paid the account out Sears change card company name, so did XXXX XXXX when the changed the payment went to the old company and the reported a late payment when they had the payments ; The company failed to put in place a process for the payments to go into the new account, nor did they check and placed the payment in XXXX the correct account apparently they just kept the money without applying it to the correct account ; Instead reported me late to the credit reporting companies, I have made request to correct the error to know availed, I submitted proof of payments

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 2015-08-18 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I Have a mortgage loan with CITI Mortgage. Since it is a variable loan i have been making {$3000.00} principal payments to reduce my balance. I just to include the additional principal with the payment and write down the additional principal amount on the coupon. Several times they misapplied the payment and applied it to the interest and the escrow amount. i have called them many times and it takes a lot of time to get them to correct their mistake. i then talked to a supervisor and was told to make a separate check. I started doing that but every once in a while the payment is miss applied. I dont know what else to do to get them to stop miss applying my payments. If it is happening to me it must be happening to other borrowers who may not look at their statements carefully.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: ZENCO COLLECTION, LLC
State: FL

Complaint narrative:
I was called by a young lady from phone # XXXX XXXX XXXX who asked me my name and when I verified my name she said I was in trouble and owed XXXX XXXX XXXX {$12000.00}. She said I was being sued and she put me through to her company 's 'legal department '. A man then got on the line and said they would sue me and garnish my wages. When I asked him the date of the debt and the name of his company, he just kept talking about how I was a lousy person for not paying my debts. I asked him a number of times for the date of this alleged debt and his company, but he got mad and hung up the phone? Back in 2008 I did have credit problems and XXXX XXXX XXXX was XXXX of the creditors I owed, but the Florida Statute of Limitations is XXXX or 5 years depending on the debt.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed
Consumer complaint received 2015-08-28 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
The same debt was collected on by XXXX different company 's CITI hired and now we are having a hard time obtaining a refund on the XXXX. Please help assist us

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Good Morning, On XXXX/XXXX/16 I opened a Citigold checking account in response to a promotion where Citibank was offering XXXX AAdvantage miles in exchange for opening an account and meeting spending criteria. On XXXX/XXXX/16, After satisfying the requirements of the promotion I contacted a Citibank representative via online secure chat ( see attached conversation as proof ) who confirmed that I had " met all of the requirements '' for the promotion and my account would be credited with the XXXX AAdvantage miles no later than XXXX/XXXX/16. Having not received the miles by the deadline promised, I contacted Citibank who are now claiming that I was not eligible to participate in the promotion and will not be receiving the miles explicitly promised. This is clearly a deceptive practice designed to lure in potential customers with bonuses they do not intend to fulfill in order to collect monthly service fees. 
Thank you

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 2016-09-22 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On multiple occasions over the years, I have fully paid off a balance on my Macy 's store credit card a few weeks before the payment due date. I still receive a bill the following month for {$2.00} listed as a minimum interest Charge, but the detail lists the interest charge as {$0.00} with the {$2.00} listed under fees. There should be no interest charge on an account that has been paid in full prior to the payment due date. No other credit card I have has ever had any fee after the full balance was paid off.

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 2015-04-30 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XXXX, 2015 I called Citibank 's customer number to dispute XXXX charges ( for a cancelled order ) on a rarely used credit card. Everything seemed fine at the time. But that agent must have 'flagged ' something on my account incorrectly, because they since have decided I 'm deceased! In the last XXXX weeks I 've literally spent phone-hours with various agents, who finally told me when I asked them to close my account, that it already was closed because I 'm deceased. A XXXX later, we received a letter addressed to my Estate from XXXX XXXX, Citibank XXXX XXXX. So I Priority-Mailed him/her colored photos of my Social Security card and current CA Driver 's License along with a photo of me holding that day 's XXXX XXXX XXXX. I BEGGED them NOT to report the untruth to any of the credit report agencies. If they do, this would snowball into more of a nightmare than it already is. Can you please help me with this? Thank you!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-21 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I HAVE A BEST BUY CREDIT CARD ISSUED THRU CITIBANK AND I AM GETTING CHARGED MONTHLY FEES FOR A Credit Life Insurance Fee, which I do n't want. I tried calling and never get an answer. I went to store and they said it would be taken off after speaking to someone on the phone, but my account is still being charged monthly for 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 monetary relief
Consumer complaint received 2016-04-11 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: Lending Club Corp
State: NY

Complaint narrative:
Lending club sends me XXXX offers a week to my home. I do not want a loan from them. They refuse to stop mailing me offers

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I received XXXX calls in XXXX day from citi bank XXXX not the original bank when I applied for the card in 2006 XXXX representing my best buy XXXX in attempt to collect a past due balance I was unaware of and thought I had paid. A {$20.00} late fee was applied to the account, but being that I have been consistent with my payments and was an honest mistake requested that they remove the late charge towards the minimum balance.They refused saying they will only credit the amount which does not help me. In the past companies are forgiving and will lower your minimum contingent that this is not a habitual occurrence and you promise to pay or set up an automatic electronic payment for the balance which I stated to them I was more than willing to make. I requested that they honor this business practices which I was familiar with especially since I NEVER agreed to those terms citi has changed how the handled late fees. I believe one 's money should not be help hostage, just like a thief is not allowed to keep what he stole under the condition that it technically belongs to you and its there for you. Through many years of loyalty they have also refused to lower my exceedingly high interest rate despite multiple request and multiple current payments and use.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: QUALITY ACCEPTANCE LLC
State: NV

Complaint narrative:
There is a letter enclosed explaining the issue. QUALITY ACCEPTANCE LLC, committed a series of FCRA regulations as well as never contacted us to let us know about the auction of car, nor ever given us a receipt for auctioned car, and not selling car for blue book value, as well as not honoring agreement to lower the 19.95 interest rate after a year, putting us in collections when QUALITY ACCEPTANCE failed to give us not only auction slip but to warn us of auction, so we could have possibly bought car, sending letters threatening to sue without intent. In one year and 3 months, we paid including auction car that was under sold by {$3000.00}, we paid {$14000.00}, plus {$2000.00} down payment, and have no car no nothing to show due to QUALITY ACCEPTANCE illegal dealings.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This item has been on there over 15yrs. The company went out of business yet I faxed over canceled check to collection agency years ago showing I paid the balance off. They continue to report

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 2016-11-22 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Citibank credit card has been charging me for a service I did not sign up for called Payment Safeguard. They say I signed up for it in XXXX of 2007, but I did not sign up for this service. I requested they send me written proof or a recording stating I signed up for the service. And today, I only got a letter saying I signed up for it in XXXX of 2007, but provided me with no proof.

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 2016-06-22 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have to no avail brought this issue regarding a 30 day late payment Citi reported on my credit report for XXXX 2015 for my CitiBank Sears card. 


There was an incompetent bookkeeping service paying my bills at the time and feeding me incorrect information regarding my finances and expenses paid. They falsely showed the Citi card account balance of {$150.00} odd being paid in full in XXXX 2015. I only found out about this issue in XX/XX/XXXX when I returned back home from a business trip, and found the 30-day late payment on my credit report. At that time I reached out to my bookkeeping service and told them about the issue, they called Citi on my behalf to make a payment by phone, but apparently the bank account number got transposed and that payment would bounce due to this. 

On speaking to Citi bank they asked that I forward them the documentation from the book keeping company to validate what had happened and they 'd then remove the late payment from my credit repor. I forwarded not only the letter from the book keeping company but also sent Citi my XXXX XXXX account statements which showed balances between {$130000.00} and {$88000.00} at the time the payment was missed and when the payment made bounced. However in spite of this Citi simple responded back by stating this was not their problem and they wo n't be removing the late payment.

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 2016-04-24 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
I have a Macy American Express card and they call me 6 times a day collecting on a payment made in XX/XX/XXXX to the Macy credit card number I had then ( I think what they call their store card ). The money is and has been at Macy 's since XXXX/XXXX/2015 - {$730.00} - but they can move it between their programs or send me a refund. So I receive interest and fees each month on the paid balance - now up to XXXX - collection calls continuously and credit bureau negative reporting. They do not know how to fix, keep telling me to send in a payment and telling me their accounting staff would need to be contacted. It 's not American Express issue but Macy 's. They keep reissuing cards and it 's their issue to relive - MACY 's has had this money in their corporate bank account since XX/XX/XXXX before the due date. They have lost a good customer because of this and now want the company to be fined for this incompetent servicing of their credit programs and failure to follow their regulatory obligations - post payments when received.

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