vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-12 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
To Whom It May Concern : I had a short-term cash advance to cover any overdraft my account could incur. I finisehd paying it the month of XXXX, 2015, but I have been unsuccessful to stop Citibank from charging my bank account since XXXX 2015, after having stopped at the bank XXXX times. 
I would really appreciate to bring this issue to their attention since I do not have the time to stop by the bank a XXXX time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-02 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I applied for a Citigold Checking Account on XXXX XXXX, XXXX with a promotional offer to receive XXXX upon completion of the requirements ( {$1000.00} debit card spend, 2 monthly bill pays in sequential months ). I completed the requirements in XXXX, but never received my points, despite the the disclosure stating that I would receive the points within 90 days of fulfilling the requirements ( approximately XXXX ). I spoke to a Citi representative via the online chat on XXXX XXXX, XXXX who opened an investigation. However, this investigation still has not been completed as of XXXX XXXX, XXXX, and I 've had to pay an additional XXXX monthly fee. Messages from Citibank have confirmed that I have met the requirements but claim that I am not elegible, despite the offer being active on my account.

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 2016-10-15 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
I have a outstanding amount showing on my credit report in the amount of {$1200.00} and not receiving a bill. Please investigate. 

Thanks!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I closed an account with Citibank with a XXXX balance. They did not close the account, even though I have a receipt saying it is closed, then charged me fees to keep the account open. Since the account had a XXXX balance it was overdrafted and they charged me an overdraft fee on top of that. I overdrafted an account I closed because of a fee they charged to keep my account open. Then they preceded to call me twice a day to collect even after I told them to stop calling me to collect a debt they created.

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 2016-05-29 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I made a {$160.00} payment at Macy 's store for a credit card bill that was erroneously applied to my in store account.I called customer service and the amount was transferred to my credit card balance. I received a check dated XXXX/XXXX/XXXX for the amount of {$160.00}. I knew it was another error on their part so that check was never deposited on my part. On XXXX 2016, I found out I was billed {$160.00} for in store balance, so I called customer service and I was assured their error would be corrected, and my in store balance would be {$0.00} as it should have been in the first place. On XXXX XXXX, I checked if they kept their word, now my balance is {$180.00}, which was {$160.00} plus interest for " late payment. '' I have to call again, and a male customer service without saying anything just put me on hold. I have been on hold for the past XXXX minutes now.

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 2016-03-22 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
XXXX XXXX, XXXX : Company called place of employment to inquire about debt owed. I returned phone call and asked to remove work number from their contact list. 
XX/XX/XXXX-XX/XX/XXXX : Company resumed calling employer, despite verbal confirmation that work number would be removed from contact list.

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 2016-05-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
CitiMortgage INC has continued to report this incorrectly for years!! All of the late months they report, we were in the Loan Modification program, Harp, Hat something!!! Payments were made each month to their specifications and certified sent by mail! They too almost two years to get this done and then when they finally got us into the program, the terms were different on the loan and if anything changed on the mortgage, if we wanted to sell, they had to approve and I could not rent it!!! My husband died suddenly in XXXX 2011, just a couple of months after getting the reduced interest loan!! He was the soul support of the family and there was no way I could afford on widow 's benifits to stay in the home. I turned it over to the Bank and moved out! I offered deed in lieu of and never have heard from them again!! I want this reporting corrected/changed as this is not true!!!

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 2016-06-07 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I was a member to Citi Bank Credit card, since XX/XX/XXXX member with a credit limit under {$30000.00}. After I lost my job in XX/XX/XXXX I got in touch with the credit card company and asked for help. I was told that I do not qua qualified to receive any help from the credit protection plan, even though I have been charged for a credit protection plan without my permission. 
My account was Illegally charged for so many dollars for so many years. I tried to solve this problem with the Bank through phone calls and letters. My first letter was sent to XXXX XXXX dated XX/XX/XXXX my second letter was sent to Citibank/card services XX/XX/XXXX and my recent was sent XXXX XXXX to XXXX . 
XXXX Credit Management Department. The latest contact that I had was done by phone calling the on the back of my card which is XXXX, After I gave them my name and the credit card number I was told that I was calling the wrong bank, the was the last time I tried to in touch with the 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 2016-02-01 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
We closed credit card account with Citi Bank in XXXX XXXX. Their customer service confirm the closing by email and asked us to wait for the final bill to make the final payment. We did not receive the final bill hence paid the last bill received from Citi Bank ( late XXXX XXXX ) as Final payment. Citi Bank then sent an e-mail asking for late fees which we are disputing for past 4 months.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-16 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Unauthorized withdrawal from my checking account - I have a Citi Costco and an online bill paying account. Last month, I had been trying many times to pay online on different days but not successful. I ended up mailing in a check to pay in full. Then I check my citi online account and they took money out from my checking account, I never rec 'd any confirmation ( signed up for text alert for account changes ) ; I am not enrolled in auto pay but it says online that the payment was scheduled on XXXX. That means I paid twice last month. Called last week for the money back, not happening ... then called again today ( XXXX @ XXXX EST ), they told me it would take up to 30 days. Customer Service Rep XXXX was so rude as well, unacceptable!

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 2016-06-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
I have been in the process of a loan modification with Ocwen Loan Servicing for about 2 years. I keep submitting application packets with all the documents requested by mail, e-mail, and fax all this time. I send one packet and Ocwen states it already expired and need to do a new one again and that some documents have been missing. I asked myself if all the documents requested were mailed and e-mailed in the packet, how is that possible that you can find some documents and not others. Lately I have been calling like every other day to make sure they receive documents requested and they never receive it or they tell me you need XXXX documents so that we can close the modification and when I called back in 1-2 days they tell me that it was not those XXXX documents, that I need XXXX different new ones. We have a Dual Tracking Issue here. They keep extending the time, every time more and more so that they can have enough time and foreclose in my house. I already had a sale date back on XX/XX/XXXX which they cancel few days before. Now they have a sale date on XXXX/XXXX/16. Of course this is what they want, for me to loose the house because it is their best interest not mine. They have not helped me at all to get a modification. My intentions is to keep my house, which I purchase 16 years ago. Sometimes unexpected things happen in life, such as divorce, illness, caring of an ill person, death of a loved one, unemployment, like happened to me in the past 5 years and now a bank that is lying saying that I am not submitting the documents requested because they want to stay with my house to sell and benefit from it. They continue to give me a hard time and do not want to work with me on saving my house. Thanks anticipated for all the help you can give me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: FIDELITY CAPITAL HOLDINGS, INC
State: TX

Complaint narrative:
I have requested validation of debt that was reported to XXXX credit bureau 's without any validation of said credit. I have disputed this account with the credit bureau 's and I have sent written requests to the collection agency to validate this debt. The collection agency has not validated debt nor has the collection agency made any attempt to contact me in writing or by telephone regarding this collection. I have not received a judgment, signed a contract to pay, negotiated any payments or simply acknowledged or received any correspondence regarding this collection. I have contacted the credit bureau 's and this collection was removed from XXXX due to collection agency not validating nor verifying the collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-26 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
i got a secured card with Citibank and i put {$200.00} down to use it. after a while when i noticed they are charging me couple of dollars service fee even if i am recharging my card on time. 
I decided to close my account with Citicards which i did on XX/XX/2015 after using my {$200.00} prepaid balance and paying the dues {$1.00}. 
Today i received a statement by email for that indicates i still owe {$220.00} which is due on XXXXI called customer service so they gave me XXXX options1. Either pay {$220.00} then they will generate a refund for {$2000.00}. I can pay minimum amount due {$81.00} ( which i am not going to get back ) 3. Or else we will report to credit bureauI was threatened by customer service supervisor if i do n't pay the money. 
I feel like i got rip off by the bank cause i am forced to pay either minimum amount due which i am not going to get back or else i have to pay total due to save my credit history

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

Complaint narrative:
I have tried to cancel my Macy 's Card on several occasions. They continue add {$2.00} fees and say the account is open. The balance is {$4.00}. I would pay the {$4.00} but they have shown in the past that they wo n't close the account. This seems very dishonest. Can you help get the account closed and not affect my credit?

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 2016-09-20 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was contacted by XXXX XX/XX/2015. I was promised a web site that would generate me a residual income monthly. Since doing business with this company I have not received any services. Also this company will no longer answer the phone or is responsive to emails that I have sent. The company is an absolute 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 explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
This bank voluntarily undertook to lend me money but the lending was not accomplished with due care and increased the risk of harm to me through ( 1 ) an inability to access the proper amount of funds to properly grow my business of providing legal services particularly on or about XXXX XXXX, XXXX which is when I filed for Chapter XXXX bankruptcy ( which was dismissed ) and after the XXXX XXXX, XXXX XXXX Supreme Court order of suspension from the practice of law ( which I am challenging ) but at which time a proper amount of loan funds would have allowed me to redirect my law practice to potential customers in XXXX and XXXX ( as my law licenses in XXXX and XXXX is valid ) as well as ( 2 ) through the negative mark on my credit reports and presumably resulted in harm to others who would have benefited from my business of providing legal services ( or at least the lower cost of legal services gained by more competition in the marketplace ). The reliance upon the undertaking conferred a duty of reasonable care by the bank because it thereby created a foreseeable zone of risk. XXXX XXXX XXXX XXXX XXXX v. XXXX, XXXX So. XXXX XXXX, XXXX ( XXXX XXXX ) ( " Voluntarily undertaking to do an act that if not accomplished with due care might increase the risk of harm to others or might result in harm to others due to their reliance upon the undertaking confers a duty of reasonable care, because it thereby 'creates a foreseeable zone of risk. ' XXXX v. XXXX XXXX XXXX, XXXX XXXX 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 2015-09-15 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I used Citibanks online payment system to make a payment for {$20.00} and they drafted {$1500.00} from my bank account without my authorization which i am currently filing fraud charges through my bank against citibank to reverse this fraudulent payment and get my money back. In addition he company will not allow me to take any forebearance which i have requested XXXX times due to medical billing. Also the company will not allow me to adjust my payments in any way which will ultimately lead me to have to default on this loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I have been trying to have my home loan modified with help from XXXX. Each time they have called the bank to check on the modification they were advised that they did n't have authorization. I have given XXXX authorization which has been sent to the bank on multiple times. The bank advised they had received the authorization on XX/XX/XXXX and then on XX/XX/XXXX they said they did n't have. This has left me in a terrible hardship and I 'm may lose my home. I lost my wife on XX/XX/XXXX. She battled XXXX for five years. Not only have I had to endure watching my wife suffer and leave this world I may now have to leave our home that we shared together. My son and I live in the home and very much want to continue living here. The bank has advised that there is a sale date for my home on XX/XX/XXXX. My son and I have no where to go.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-04 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I told citibank I was unemployed and having trouble paying my credit card bill. So they 've been harassing me with phone calls before XXXX asking me repeatedly why ca n't I make my payment. I tell them the same thing every time. I 'm unemployed, do n't qualify for unemployment and have no funds.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
My complaint is mainly against M & T Bank 's Loan Officer XXXX XXXX and the team he utilized to work on my home mortgage loan. In Exhibit A, the bulk of my complaint/concerns are outlined in chronological order. To date ( XX/XX/XXXX ), I have not received an apology nor an explanation or answers as to why everything fell apart at the end and why the cost of their neglect fell on me. 

M & T violated the three-day closing rule : if the final CD is changed then closing has to be pushed back three days. M & T issued a final CD on XXXX/XXXX/XXXX with closing of {$1300.00} for settlement date of XXXX/XXXX/XXXX, then changed the dollar amount the morning of XX/XX/XXXX when they noticed that they missed the processing fee ( initially {$700.00} then revise the morning of closing to {$310.00} ) for XXXX and added it ( which meant settlement [ per regulation ] should have been rescheduled for XX/XX/XXXX to give the three day change ). The contract extension ended on XXXX/XXXX/XXXX and a new extension had not been sign ( nor was possible to get signed and on the books to push closing back again ; the home was still at risk for foreclosure and an extension would have meant starting the entire process all over again with the short sale approval from the seller 's bank ). It 's inexcusable and neglectful that the M & T loan officers/underwriters were not paying attention and doing their jobs which led to missing the processing fee and then trying to tack it on at the last minute. M & T needs to assume responsibility of the XXXX processing fee and reimburse the full amount that they neglected to add when it was first noted on the XXXX/XXXX/XXXX CD from XXXX. 
( The full complaint will be attached in a PDF. )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
A branch specialist at Citibank made an unauthorized teller withdrawal on my checking and savings account. I filed a fraud claim with Citibank, but they denied it due to a lack of evidence and said the decision can not be appealed. They also can not further investigate the matter because the branch in question is now permanently closed. If Citibank would pull up the security footage of the incident, it would clearly show that I was n't present for any teller withdrawal and did n't withdraw any money. What other options do I have to recover my 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 2015-11-06 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
a Fraudulent account was opened under my name without my knowledge or consent. I contacted the company 's customer service and fraud departments to inform them of this. 
I was told that I would be sent a fraud statement. They never did. They have harassed me via telephone ( my cell ) and I am now receiving letters from a collection company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-01 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I was really hoping Macy 's had changed their bizarre practice of charging XXXX dollars after a balance is satisfied. I 've had a Macy 's card previously ( and currently ), paid the XXXX dollars after my total balance is settled, only to be charged XXXX dollars in subsequent months. When I 've called in the past, it has been explained as interest for the first month, and then a " mistake '' in the following months. The only way to stop the charge is to call and ask for it to be credited back -- and then I get charged again in the following month. I have found the most effective way to deal with this fee is to cancel the card completely. Luckily, I pay attention to my bills. If I were another consumer who did n't, Macy 's unfairly sets them up for late fees and additional charges that can impact their credit score. 

Thank you, 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