vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-15 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
My husband and I took out a home mortgage loan and CitiMortgage is the current holder of this account. We have tried to work with them when we became behind on our account. We spent almost XXXX years trying for Harp or Hope assistance from them. It seemed they would not have received XXXX or more documents and then XXXX they would acknowledge they received the necessary paperwork, something new would have to be sent because it was now outdated. We finally gave up after XXXX years. Family members gave us {$25000.00} to place on our mortgage to help. We then asked CITI Mortgage to rewrite our mortgage at a lower rate, and they refused because we were not behind any longer. 

We then ended up filing bankruptcy chapter XXXX. We then tried keeping up with the payments however, we fell behind due to illness. We then put our home on the market and have received an offer. Due to the fact it took a year to sell, our sale has now turned into a short sale. On XXXX XXXX, 2015 we sent in the final paperwork we were told needed to be sent. We gave permission to the representative to talk with our Realtor on our behalf. The Realtor has sent in the necessary paperwork. When we called to find out when we would get the answer to the short sale, we were told once she got the paperwork, she would send it to the underwriter to approve and we would know. My husband has tried on several occassions to contact the rep from Citi and has been unsuccessful. Our Realtor has tried also. Today, XXXX XXXX, 2015, we finally were able to reach a rep and the told us we had missing items. My husband became frustrated and immediately called back to Citi and our representative happened to answer! She informed us she was on another call and could not talk to us. With a little prodding we were able to get her to agree to call back after her call. We then asked her where we were in this process. She told us we were missing items -- our Realtor had n't sent in her paperwork. We told her we just talked with her and she did both send and faxed the necessary paperwork. The rep said " let me look again. '' I used my cell phone and called my Realtor and explained what was happening. The Rep then came back on the line and said things were expiring/or expired and so she could n't do anything until she had updated documents. We told her we would update the HUD paperwork and send the addendum to the listing contract but when could we expect an answer on the short sale. She stated she had no idea because it had to go to the underwriter, the board, and the investors before it would be approved. When asked how long this would take she said she had no idea. She then accused me of yelling at her and I explained that I was not yelling. We then asked this to be expedited ( a HUD agent told us to do this ) and she said she would transfer us to her supervisor. She put us on hold and then after about XXXX minutes hung up on us.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-24 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank 's business practices and lack of sensitivity toward the XXXX violates XXXX Laws. Upon speaking to Citibank concerning charges, XXXX on chat online began to enlarge text after I disclosed that I was XXXX. She began to repeat the same text and send enlarged text. I found this to be highly insensitive and offensive. I did not request for her to enlarge the text and I never told her that my XXXX was visual impairment. I am requesting that this be attached to any previous complaint submitted regarding the discrimination that I have endured while banking at Citibank. I was refused service at the local branch in XXXX XXXX because I was XXXX. The accounting practice subject customers to overdraft fees, charges that are exorbitant, customers are forced to pay merchants who do not provide the merchandise, etc. The bank does not display a policy that is supportive of their XXXX customers. I have also noticed that the same person who assisted me on this chat was not named XXXX, but XXXX and this same person was the same person who chatted with me regarding a different company like XXXX. I will support the chat transcript of CITI and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
On XXXX XXXX, 2016 we paid {$4000.00} to pay off our Citi Credit card ( last XXXX account # XXXX ) and received a interest bill for {$27.00}. Per statement and agent XXXX at Citi Bank they charge DAILY interest on the account for money owed up through the end of billing cycle and/or the time the payment is processed. The account was paid off based on their information and now they are charging us for money that has already been received by them. 

If they continue with " daily billing '' it will be impossible to pay off a credit card, if of course we paid per their billing statement. 

However, theoretically, even if I sent money and they received the money the same day as our billing cycle begins, they can still bill me interest for the hours or the day it takes them to process the payment. 

So according to their business model and legal agreement, I WILL NEVER BE ABLE TO PAY THE ACCOUNT IN FULL!

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 2016-06-07 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hi There, I signed up for a Citigold checking & savings account promotion, where if one fulfilled the requirements of a promotion, you would receive as stated by Citi, XXXX XXXX American Aadvantage miles credited to your account, at the least 3 months after the statement in which you complete the requirements. I contacted Citigold multiple times after completing the requirements so that they could confirm that I in fact completed the requirements. They confirmed over the phone I had in fact successfully completed all the requirements, and put notes on my account. Not satisfied having still now received the miles now time after the last possible day in which they were supposed to credit it, I engaged with them in secure chat, where once again they confirmed that I had in fact successfully completed the requirements for the Citigold XXXX AA miles bonus as agreed upon in their promotion contract. I have screenshots and printouts of the secure chat as proof. However after still promising to credit the miles in a couple days, it 's now been months since the final day they should have credited the account and I still have n't received the bonus they promised as part of successfully completing the miles. 

They have violated their agreement, and are cheating consumers in promising and confirming successfully attaining their promotion, yet falsely promising as they deny actually giving out the 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
Consumer complaint received 2015-04-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: M&T BANK CORPORATION
State: TX

Complaint narrative:
I have been misled by the representatives of M & T Bank and I can not understand the poor treatment I have received during the servicing of my mortgage loan. I have lived in my home since XX/XX/XXXX, and I 'm an active member of the community ( I volunteer with my church and with my son 's school ). But I am in jeopardy of being forced out of my house through foreclosure because M & T Bank refuses to work out a reasonable solution. 

This property has had its issues since I purchased it. The appraisal and inspections failed to inform me of the XXXX unit being old ( I had to immediately replace it ) and of the foundation issues I had to repair. But this is my home!!! I worked hard to get this home and I want to keep it. 

In XX/XX/XXXX, I lost my job as a XXXX since XXXX forced them out of business. I struggled by using my savings until I could n't anymore and fell behind on my mortgage. After back and forth trying to get help, the lender offered me a forbearance agreement that I complied with. Eventually I got another managerial job and applied for a modification, but all M & T offered me was an unrealistic and irrational proposal which only dropped my payment by $ 100/month, which was n't going to help me. 

Their entire operation operates like a group of bullies and thugs, not businessmen. While trying work with them on a solution to this problem, the representative ( XXXX I believe ) told me I should just " put it up '' ( meaning put my house up for sale!!! ). She knew I was n't going to get the help I needed to save my home!!! 

I want their office to take a hard look at the servicing history of my loan and the possible retention options so I can get back on track with my mortgage. Is n't that what they are obligated to do after taking my tax dollars to bail their business out? I 'm not asking for a handout, just a fair and reasonable solution that allows me to keep my home. 

M & T Bank has turned my life upside down with their deceptive, unethical, and probably illegal activities. I am very kind, but also tough and resourceful. I am left with no choice but to engage elected officials and regulatory agencies to help me against this lender. I would have preferred to deal with them directly, but they have proven that their organization just another greedy company interested in profits without care for the well-being of their clients. I would appreciate any assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Around XXXX of XXXX, I opened a XXXX checking account with Citibank. The reason why I opened the account was because they were running a promotion for new customers who opened an account. The promo was for XXXX XXXX XXXX miles if you opened a checking account and met the requirements. The requirements were to : 1. Use the debit card associated with the account for {$1000.00} or more. and 2. Do at least one bill payment on the account for two consecutive months.I opened the account, verified with the representative that the offer would apply to my account and she confirmed it was applied. I fulfilled the requirements and messaged Citibank securely to confirm I met the requirements. I received a response confirming I met the requirements and to wait 90 days after the month I had met the requirements. They gave me a date of XXXX/XXXX/XXXX as the latest day the points would post. 

I inquired about the status of the promo points after I noticed the promised date had passed and the points had not posted. They opened an inquiry and I recently got a response saying that I did not qualify for the promotion after all. This is after confirmation on three separate occasions that I was enrolled and met the requirements. When it came time for the points to post ( and after several months of fees of {$30.00} each ), they now say I am not getting the promo as promised.

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 2016-11-06 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Citibank recently closed an account I have had with them for 5+ years for no valid reason I can ascertain. My payment history and account management has been impeccable. I have never been late on a payment, always paying more than the minimum even completely some months, and stayed within my limits to the best of my ability. I may have gone over by {$10.00} or less once or twice but always made a payment to resolve the balance before the next billing cycle. Now they have sent me a letter stating they are not going to renew my card since it has expired. I do n't know if this violates any consume laws or is just bad policy but I felt the need to report it. Thank you for any advice or insight you can give on 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 explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had a CD account with Citibank that is now closed. The account was closed approximately XX/XX/XXXX or thereabouts. A Citibank counter check or cashier 's check was issued on XX/XX/XXXX and cashed a couple days later XX/XX/XXXX. The payee was myself. However, I myself was not present at the Citibank branch on either of those days, nor did I authorize anyone else to close the account. ( I just found out about this fraud in XX/XX/XXXX when I went in to check on my CD account. ) Now that I am disputing the check, Citibank Manager is telling me the check is a fraudulent check which they trace back to a Delaware account for multiple fraud issue cashier check and I never had a account with them. Bank manager is telling me they can not locate any information or account number under my name or social security number. Unfortunately, I do not have the account number but I do have letter stating amount deposit along with letter stating when CD account will mature. However, because I do not have an account number and there 's no record showing up for an account under my name Citibank does not want to do anything for me. The challenge in this case is time, the account was closed in XX/XX/XXXX and it is now XX/XX/XXXX they 're telling me their record does not go that far back because it has been purged, not only that, there was never an account open under my name or social security number. Also, the branch I deposited the money at has been shut down, therefore, I had to go to a different branch location. I have try everything from calling customer service to talking to branch manager to filing an " affidavit of forgery '' with no luck. Now I am stuck with filing a police report and waiting to see what happen with my case. I believe this is some sort of fraud within Citibank employee because I know I deposited money into a CD account with Citibank itself.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
None of above " Best describes ''! 
Re VEXATIOUS LITIGATION by XXXX! 
From a recent message sent to the Georgia Dept of Law ( of which can NOT handle such cases ), re XXXX County Magistrate Court enabling such behavior of XXXX XXXX : " This is in re to a large number of XXXX XXXX cases handled here, by a law firm in XXXX GA! 
Is there a payoff? Payola? 
My situation : I have a XXXX handled debt that I have actually PAID off, and even an OVERPAYMENT!!! 
I am XXXX years old, on SSA XXXX, the past 3+ years I have over paid the {$1500.00} as agreed upon in the 2013 Consent Judgment - however there were 4 months in which my monthly recurring payments ( checks automatically withdrawn ) did not clear the bank ( this cost me {$35.00} @ time )! 
Hand written on this consent judgment by the XXXX attorney is : " ... $ XXXX/month, beginning XXXX/XXXX/13 and continuing by the XXXX of each month thereafter until the {$1500.00} '' then the printed " is paid in full. '' Morally and should be legally I have honored this! Yet, I filed a 'Relief from Judgment ' of which was denied by the XXXX Magistrate Court !!!??? Since my case was in dispute my hearing was delayed until after the XXXX+ non-contested XXXX XXXX cases, handled by law firm of XXXX XXXX XXXX XXXX GA! 
Online you can see very much anguish by people because of XXXX XXXX ... 
They prey on people of modest income that can not afford an attorney!!! 
This is BULLYING - is it not!? 
This is Vexation Litigation - is it not!? 
I had good credit - then while self-employed my health got bad, and i was no longer able to gainfully work! 
As a result my credit suffered when I was unable to pay some debt - of which I have worked hard to repay all that I could! ... 
The XXXX Co Magistrate Court certainly seems to be enabling the XXXX XXXX law firm and XXXX take advantage of people of modest means - in effect BULLYING them legally! Oppressing these folks that have perhaps suffered injury or health concerns and become unable to pay off their debt! Ca n't some means of humanely methods be used for debt collection, without BULLYING folks!? " From a recent letter to the Chief Magistrate ( newly elected ) : " Notice : they NEVER INTENDED to honor the Consent Judgment, it seems clear!!! 
I have already sent to you copies that should prove this claim! 
Mockery of justice!? Mockery of XXXX Judicial system!? 
Vexatious litigation!? 
Bullying of XXXX County citizens, and allowed and supported by this court!? " That is : their statements NEVER reflected the agreed amount in the Consent Judgment!!! 

Prior to XXXX XXXX I had been voluntarily paying this debt to another agency, with no problems! Then XXXX XXXX got involved ...

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 2016-04-08 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
The Macy 's credit card charges a minimum {$2.00} fee that I was n't aware of. 

Between XXXX XXXX and XXXX XXXX, I had a balance on the Macy 's store card of {$120.00}. I paid that balance off on XXXX XXXX. Because I had a balance between XXXX XXXX and XXXX XXXX, I was charged a " MINIMUM INTEREST CHARGE '' of {$2.00}. 

I called Macy 's to inquire about this {$2.00} charge since I have never seen it before and certainly not what I signed up for. To my surprise, their automated phone system gave me the option of removing that {$2.00} interest charge as a " courtesy ''. 

I believe this this practice to be illegal since the interest on a {$120.00} for 4 days that the balance carried over with my current APR of 24.75 % is no where close to {$2.00}. 

I would like Macy 's to be investigated for this practice.

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 2015-06-03 00:00:00
Product: Credit card — 
Issue: Bankruptcy — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
my sears cc account was closed XX/XX/2012 through a chapter XXXX bankruptcy however its listed as a charge off "bad debt" on my report. I have been trying to get this resolved for over a year as creditor error

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-12 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
XX/XX/XXXX on flight XXXX # XXXX my husband and I applied for the XXXX XXXX XXXX card. We were told by the stewardess, the offer was we spend {$1000.00} each within the first 3 months we would each receive XXXX free miles.Over the past few months, we have made several telephone calls to both Citi and XXXX. We were told to wait for the miles to appear on our statements XX/XX/XXXX. Recently, we called were told we are not eligible for the offer as it had changed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: AL

Complaint narrative:
They call between XXXX times a day from multiple numbers and never leave a call back number or voice mail. Previously I 've spoken with a representative who refused to tell me any information about the nature of the call without me giving my social security number which I 'm not comfortable with. Prior to the constant phone calls I 've never received any communications from them by mail or otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I received a sudden email with the subject " Notice of account closure '' from Citibank. The email itself did not contain any information about any closure but said I had a message waiting on their system and to click the link to login. Upon doing so no message was available. When I called Citibank to discuss this the agent did say that my account was closed. While they were apparently under no obligation to notify me in advance that my card would be cancelled due to inactivity, I have in the past been so notified by creditors for a variety of reasons including their ability to remind me ( i.e. sell me ) the features of my card and entice me to use it again. In such cases I have been reminded of better benefits and resumed such use. However, my complaint largely centers around the fact that they are able to do this when it can directly impact my credit rating by reducing my credit capacity. I can easily envision a circumstance where somebody less fortunate than myself was successfully able to build credit worthiness but opted not to use their credit card so they did not carry any debt. However they would need to get a loan for a home or car, or to apply to rent a home/apartment. Losing that credit capacity and in turn lowering their credit rating could have an adverse effect when trying to leverage credit in those other circumstances. It seems fair to me that a credit card company should at least provide a few opportunities for a consumer to maintain the account before cutting it off so as to avoid these situations.

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