vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-13 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In connection with a Citibank credit card, we submitted CFPB complaint number XXXX, to which Citibank responded more than XXXX months ago, as follows : " [ Citi ] sent a letter to the customer and advised that because we value his business, we applied credits totaling {$1000.00} for the difference. '' Citibank 's statement was false ; no credit was ever applied or otherwise given. 

Our original complaint stated the following : " Prior to XXXX turning over its XXXX credit business to Citibank, XXXX resolved an account dispute with us, confirming in a recorded telephone call that we were entitled to a {$1000.00} credit and that such credit would be credited to our account forthwith. Before the credit was received, the transfer of the credit card business by XXXX to Citibank was competed. Citibank thereafter repeatedly promised ( in recorded telephone conversations ) to make good on the obligation it inherited from XXXX and complete the {$1000.00} credit forthwith. Citibank inexplicably has repeatedly failed, and now refuses, to complete the promised credit in violation of both its agreement to do so and in default of XXXX ' similar promise to which Citibank succeeded to. Citibank has even had some phony dispute resolution expert named XXXX XXXX pretend to be seeking a resolution of the matter. His promised response was never forthcoming, and his failure and refusal to return telephone calls confirms Citibank 's continuing bad faith in this matter. The dispute is unresolved after more than XXXX months and countless hours of effort by us and unfulfilled promises from XXXX and Citibank. ''

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: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I received an offer to sign up for a CitiGold checking account, make a deposit of $ XXXX, and get a {$400.00} sign-up bonus. My experience with Citi has been horrible : - I met all the sign-up requirements, but did n't get the bonus as promised. I needed to email them multiple time and call them before I finally got the {$400.00} credit. 
- I withdrew my initial deposit after the required holding period, but was then charged a monthly service fee ( {$30.00} ). This fee was n't clearly displayed during marketing or the account opening process. They also continued to charge me this fee the following two months even after I had put in a balance large enough that was supposed to waive the fee. They eventually reversed the fees, but it required me calling in every month for 3 months. 
- When I had a {$0.00} balance and then got hit with a monthly service fee, this put me in overdraft status. They then charged me an overdraft fee. I do n't think it 's right to charge an overdraft fee when their fee caused you to go into overdraft state. Again, they refunded it, but it took another call. 
- While they have high limits allowing transfer of funds into Citi, their limits on sending money outside the bank are frustratingly low. They require a balance of $ XXXX to avoid fees, but only allow for external transfers of $ XXXX / day and $ XXXX / month. 
- While it 's nice they allow for online account opening, it 's annoying that you ca n't designate your backup withholding status electronically. Instead, they wanted me to fill out a thick set of forms and mail it back to them. 
Overall, dealing with Citi has been a horrible frustrating experience and I am going to close my account once I am able to remove all the money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a citigold checking account according to the promotion they have to credit me XXXX XXXX miles. 
I fulfilled the requirements, but Citibank refuse to give me the promotional miles. 
I have the correspondent mails and messages talk with them to confirm my promotional eligibility and their response of my fulfillment of the requirements. 
Also the letter they give to me recently denied my eligibility of getting those promotional miles. 
I ca n't find a easier way to communicate with them directly because of this time consuming process. So I write my claim here.

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 2016-06-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Citimortgage is being unfair in evaluating us on a loan modification. They are making it very difficult for us to keep our home and suggesting that we do a short sale when that is not what we wish to do. We were offered a loan modification back in XXXX of XXXX. We were told by XXXX that we may qualify for some government programs that was put into place by President Obama. When the paper work was submitted by XXXX it was declined and we could not understand this decision since we were offered a modification through Citimortgage back in XXXX. We have been passed around to three different representatives since our process began back in XXXX XXXX and each representative does not fully read our entire case file. I believe this leads to poor judgements and decisions on our behalf. 
I have attached a file with extensive details and facts.

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 2016-06-30 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
Card was lost, waited on hold for 11 minutes. XXXX the customer service rep from Maryland told me it would take 5-7 days to get a card BECAUSE XXXX could not deliver the card sooner. This was a CITI XXXX card and he kept telling me I had an XXXX card. Guess the third party Costo is using for CITI service is confused. I asked to speak to a supervisor and he told me NONE were available and the MIGHT call me back. 2 days later no one has called. CITI worse credit card company I have ever dealt with. Give me XXXX, XXXX, my local credit union. But never again 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 explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: John C. Bonewicz, P.C.
State: IL

Complaint narrative:
COLLECTION AGENCY COUPLED WITH LAWFIRM VIOLATED FCRA, FDCPA, TCPA, SOL, PRIVACY AND CIVIL RIGHTS VIOLATIONS. SERVED ME AND SAID WILL SUE ME TOO ON BEHALF OF XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I applied for the Citigold Checking account with the promotional XXXX AAdvantage Points after completing all the requirements. I completed all the requirements and waited after statement closing of 90 days and still have n't received my bonus points added to my AA account. I contacted the company by phone and via chats several times already and each time they said I will get a response within the next day and I still have n't yet. I 'm beginning to think this was a scam.

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 2015-08-20 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I had a credit card with Home Depot. In XXXX 2015 I closed the credit card account, paid the bill, and destroyed the card. The payment for the final bill arrived one day late. Home Depot charged me a late fee and interest, then continued to charge additional late fees on the previous late fee each month. They would send me emails saying that my bill was ready, which I assumed was an error since my account had been closed. Four months after I closed the account I looked at XXXX of these emails and saw that they claimed I owed {$130.00} - compounded late fees. I called an XXXX number and I spoke with XXXX, who did not feel that I had any right to claim this was unfair, and asked that I pay the full amount. When I asked to speak to someone else, she agreed, put me on hold then hung up. I have repeatedly tried to call back but always get the message that they can not talk to me now and to call back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HOVG, LLC
State: TN

Complaint narrative:
I recently received a letter from this company demanding payment for an account I have no knowledge of.To my knowledge I have never done business with this company and they have never provided me any goods and or services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-13 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
My cousin XXXX XXXX XXXX XXXX XXXX currently lives XXXX. He sent me his power of attorney written in XXXX certification, translated into XXXX and notarized in Illinois. A Citibank international customer service representative suggested he obtain the POA with XXXX after hearing other requests failed. That was the first time we heard about an apostille. XXXX did so as soon as possible. In the POAXXXX, XXXX specifies I can " open, close, manage and/or have '' his XXXX bank accounts, among other authorizations so I can continue to pay his taxes, etc. 

XXXX has XXXX Citibank checking accounts opened years ago in XXXX. They total just over {$3100.00}. XXXX previously made expensive unsuccessful phone calls as well as written documentation to authorize me to use or to close the accounts. I also have had multiple phone and written communication with Citibank. 

In XXXX XXXX, Citibank 's Illinois legal department refused the POA/XXXX submitted to the branch office. They instructed my cousin to call again or go to the XXXX XXXX in XXXX for notarization of there XXXX form, taking us back to where we started in XXXX. 

I am submitting copies of some communication with Citibank : POA with XXXX, XXXX emails from Citibank branch, my letter XXXX XXXX, witnessed instrument of delegation, letter from XXXX, his government photo ID card, Citibank POA signed and Citibank form XXXX signed in XXXX XXXX. I also have copies of his XXXX and XXXX passports, among other documents. I successfully used the POAXXXX to sell XXXX of XXXX XXXX XXXX properties among other tasks as he asked.

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 2015-05-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
This is my XXXX complaint on a different subject. Citi Mortgage agreed to a short sale on our home and even told our real-estate company the price to ask for the home. We have had offers above and beyond the set price but Citi mortgage at XXXX declined the offers and now they tell us they never said they agree to a short sale and have no idea what we are talking about, even though they told us and our real-estate company XXXX that they agreed ( And gave our broker the price needed ) many times, and now they have changed their minds and will go ahead and foreclose. This is at least the XXXX time we have caught them in lies. Another thing that happen after my XXXX complaint was they called us and chew both my wife and myself out for reporting them to you. They were so rude that I had to hang the phone up on them before I said something I should not. It was very degrading the way they spoke to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
I have been attempting to get CitiMortgage to refinance an ARM mortgage which currently has a low interest rate. I have contacted CitiMortgage throughout the past few years while the interest rates were low to get out of this loan product. Due to the fact that my loan is not backed by XXXX XXXX and XXXX, they contend that they do not have any options. I have sent several letters requesting a lender option modifiction since the loan guidelines do n't meet their refinancing guidelines as I have been been told in the past. The goal is to get this mortgage in a 30 year fixed mortgage. I would like to the keep the property and have n't been late on the mortgage. If the interest rates rise higher, it may create a problem, depending on how high they go. I would rather be in a fixed 30 year mortgage which would be beneficial to both me and the lender for the long run. With your help, I am seeking relief in the form of consideration of a lender option modification which I am aware can be done since there are n't any guidelines to prevent CitiMortgage from doing so.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: HOVG, LLC
State: TX

Complaint narrative:
This collector would not identify themselves or the purpose of their phone calls in any way until I verified my personal information, which I refused to do. I requested they discontinue contact until they were able to identify themselves, but the phone calls have continued. I was able to XXXX search the phone number, which is how I found out who was calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
We filed to have a modification back in 2013. Our FHA loan was through Citimortgage. 
HOPE after a year and a half, lowered our payments {$26.00} and because we were told not to make payments, Citimortgage reported us late every month. Screwing up our credit but then making us sign a paper saying we had to then pay {$11000.00} back when the mortgage was paid off or the house was sold. etc. I asked for an itemized statement for the {$11000.00} in charges and I still can not get one.From the HOPE ( HUD ) that did our modification. Why should I pay that back when they really did nothing but take what we were behind and put it to the end of the mortgage ( which Citimortgage should have worked with us on ) and now we have to pay it back? Our credit is wacked, they lowered it a measly {$26.00} and we now have a {$11000.00} note when we sell our home?

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 2015-12-22 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I have been a customer of citi cards for some years now, I have paid them on time, and above the minimum amount due., I received XXXX, statement, and paid {$600.00}, I never received XXXX statement, and on XXXX XXXX got a statement for XXXX, with past due charges, and they raised my minimum due to {$990.00} dollars, previous, it had been {$470.00}, When I called customer service, I had to get a supervisor to remove late charges and was told by supervisor that they are not responsible to send a statement out, that it is my responsibility to pay regardless, if I receive a statement or not. they blamed the post office, they said i should have received a call, which i did not! they had an email address that was 2 years old, so i guess i have been paying all along. They employ poor business practices, do n't care about customer, they should be fined for these poor practices. 
I bet i 'm not the only one this has happened to. 
and according to them they have no responsibility but to collect monies,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.

Complaint narrative:
XXXX, I opened an account ( Savings and Checking ) with Citibank. On the advice of CITIBANK, the accounts were part of the " XXXX XXXX Banking '' package. Between XXXX and XXXX, I was not charge a monthly fee. 
However, I noticed in XXXX ( as I do not check my accounts frequently ), that starting in mid XXXX, I was charged XXXX {$25.00} per month. My numerous attempts to convert this account to a normal XXXX where I am not charged a fee, attempts to reverse the charges and also attempts to close the accounts through online chats with Citi 's representatives, international calls and messages, have been futile. Instead, I was repeatedly channeled from XXXX division to another, and even when I am in touch with the XXXX Banking Team ( they all do n't speak to each other ), I was told that I could not close the account unless I physically present myself at a Citibank branch in the XXXX ( I am now located in XXXX ), even though I could possibly open a normal account online that does not incur monthly fees. 
The constant inability of CITIBANK to resolve my issues or even assist to close my accounts and point me in the right direction is a violation of my customer rights, not to mention charging me XXXX {$25.00} a month when previously this did not happen.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XXXX XXXX, 2015, XXXX XXXX XXXX XXXX + Card from Citi XXXX was got debited by {$140.00} this was debited XXXX XXXX XXXX as an description. I have never requested for this product not received the product from this vendor. I have inform the Citi for the same. they have assured me that the necessary action will be taken by them. After two month in XXXX again the amount got debited to me which was reversed by Citi. although my account was closed by Citi in the XXXX 2015 only, still they are charging late payment and overdue interest to that account. I am getting harassment mails from citi for payment for a transaction which i have not done. Being a valued customer of citi i have requested them since last 4 month to look into that but all vain. also they are not providing me POD details that i have received that product from vendor.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-18 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am filing this complaint because Midland Credit Management , Inc. has ignored my request for the validation of this debt by not providing me the documents use to verify the account that was disputed. 

Under the law, if a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. As such, all collection efforts on the debt must cease and any derogatory listing should be permanently removed from any consumer credit reports. 

According to Texas Finance Code, the following information was to be provided : The name of the original creditor The original date of default or non-payment of the debt The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Surety bond information The debtor stated that they were uncertain what I was specifically disputing and needed written explanation and documentation. I provided that information to them certified. 

The debt collector has five ( 5 ) days after admission of inaccuracy of this debt to cease collections and remove credit bureau listings. 

Also, I believe that Midland is in violation of the settled case XXXX XXXX ( XXXX ) with the FTC by contacting me by cell phone without my prior consent, in violation of the Telephone Consumer Protection Act ( TCPA ), using an automatic telephone dialing system.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Citibank had a promotion for getting XXXX XXXX mileage. 
Copy of promotion will be attached. 
I opened the account on XXXX XXXX 2015. 
I was supposed to make $ XXXX Debit card purchase within 60 days but Bank did not send me card until XXXX XXXX. i asked my banker about it and he said they will give an extension. 
I completed debit purchase by XXXX XXXX and fulfilled other requirements but because of the delay in debit card purchase caused by bank delay I am being punished and I am not getting my XXXX miles.

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