vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-17 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.

Complaint narrative:
I have an Executive Global Banking Account at Citibank. 
In XXXX XXXX, trying to use internet banking, I note that my account was blocked without any notice. Since then, I have call the bank several times and they always tell me that my account manager will call me back, but she never calls. At XXXX XXXX I spoke with my account manager assistant, who told me that the bank was " evaluating '' my account and the will let me know the conclusion shortly. Since then, I have send several emails to my account manager and her assistant without any response, but every month the bank charges me the management fees to my savings even when I cant make any financial operation with my money. Literally, the are stealing 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 monetary relief
Consumer complaint received 2016-07-13 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I applied and opened a Citi Gold Checking Account that awards XXXX XXXX XXXX miles upon opening. After opening the account in XX/XX/XXXX I wrote to them to ensure that I would be receiving my miles. They told me that I would receive them on XXXX XXXX or shortly after. It has been over two weeks since the promised miles were supposed to be credited and they are still no there. After calling Citi they told me they had to do additional investigation despite me showing them the letter they wrote me telling me that I would receive the miles. Meanwhile they seem to always been on time when charging me the $ XXXX monthly fee on the account. No investigations needed as to whether they get my money, just when they owe me something. After googling this I have found countless others that have complained about Citi not paying them.

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 2016-05-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I applied for a modification, the bank modification department gave me a payment plan to follow, I would know the outcome at the end of the plan. I followed the plan as requested, but the bank failed to notify me of the outcome, I kept calling and asking what to do, the loan officer never answer my calls, the customer service department kept telling me to keep sending the amount as per payment plan. After a couple of months, I made the decision to start paying more to catch up with the normal payment. The collection dpt. started calling me saying I was late on the payments, I kept explaining to them about the situation, and they kept giving me the run around within the different departments ; Although they knew I never got an approval or denial letter, they still reported my account as past due with the credit agencies. I 've asked them to view my payment history showing never late, just following the payment plan, but the bank refuses to remove the bad reporting from the credit reporting agencies. 
The purpose of this complaint is to ask Citi mortgage to immediately remove the bad credit report from all the reporting agencies. 
This is not accurate reporting and has been hurting my ability to refinance and improve my quality of life.

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 2016-01-09 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HOVG, LLC
State: TN

Complaint narrative:
Bay XXXX Credit calling to collect payment on behalf of XXXX XXXX XXXX XXXX. I contacted med insurance, said paid XXXX 2015. I contacted XXXX XXXX XXXX XXXX. Verified account paid XXXX 2015, currently XXXX balance, Next time Bay Area Credit called, I communicated this information to them. They continue to call me every few days.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One has committed fraud due to false advertising. 
They say the have comparative annual percentage rates, but that is simply not the case! 
XXXX, XXXX, and XXXX all have rates lower than Capital One. Still, they have not offered me a valid justification of their continued practice. Why have they not been fair and honest about that? Therefore, I am charging Capital One with corporate greed, due to deceptive advertising and falsifying information. Also, their customer service personnel overseas, refer to themselves as either XXXX or XXXX from the XXXX. How can that be when they are thousands of miles away from the United States? Can I get an explanantion for that? I have stated to Capital One employees time and again, that I prefer to speak to someone in the United States.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
These are XXXX XXXXNavient loans that I paid on for over ten years and the balance is still very close to the original amount. I saw this on the XXXX XXXX and said I am XXXX of those people. Where did all of the money that I paid into it for 10 years go? They, repeatedly, offered forbearances and said it would just be an extra payment at the end. There were times were I would make a payment and it just disappeared. I would be forced to make another payment, the next week. They were very deceptive. The loan was sold multiple times and often felt that I was being lied to with no one to get a real answer from. I paid on XXXX accounts for ten years and the total is still near its original balance ( {$11000.00} )! These now show up as closed-derogatory student loans with an {$10000.00} balance. I paid on them for ten years and paid down {$500.00} I just got a call from XXXX XXXX from XXXX XXXX XXXX who said they were with Navient and looking to settle at a drastic reduction, however, the words and actions of the person that contacted me on the phone made me unsure of their validity. 

These multiple loans have kept me from getting into a home for ten years. I, finally, have some XXXX to listen. As much money as I have paid to this loan, I would like for it to be resolved and removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Over the past few months Macy 's credit reportedly made several updates to their mobile application. In XXXX 2015 I submitted my monthly payment through the mobile app, however the app did n't process the payment and my account was put into past due status and I was charged a finance charge and late fee. I called into Macy 's credit card services and spoke with a representative and my account status was changed to correctly show that I was in good standing and the finance charges and late fees were credited to my account. I was assured that the mobile updates were working and I would n't have any issues with payments in the future. In XXXX 2015 I again submitted my payment through the Macy 's mobile app. On XXXX/XXXX/15 I attempted to make a purchase inside a Macy 's store and my card was declined with a past due status. I spoke with a Macy 's credit services supervisor and she noted on my account that this is the second time my payment was not processed when using the app, and she credited my account the late fee and finance charges. Not only was this embarrassing, but I am concerned that Macy 's credit is reporting past due status on my credit report when the fault is with their application.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
Today ( XX/XX/XXXX ) I received a XXXX Envelope from Citi Mortgage which clearly attempts to raise doubts/worries for the consumer ( me ) to get me to apply for a Home Affordable Modification Program, including a request for a copy of my tax return ( form XXXX ). The XXXX page of this package refers to this as an " Urgent Notice '' with " All REQUIRED documents being due XX/XX/XXXX '' and implies that it is needed so I can " avoid foreclosure ''. Since I am on auto-pay to Citi for my mortgage, and am up to date on payments, I found these scary tactics completely unwarranted and clearly falling into the category of deceptive business practices. My current loan balance is in fact for less than XXXX of the current property value for which I have a Citi loan, and if needed, I could pay off the loan in full from my retirement savings. Also my mortgage with them is a long-standing loan and I SHOULD be in good standing with Citi Mortgage. Note that this is the XXXX time in the last year that my experience with Citi 's business practices could be characterized as not befitting a major lending institution. This makes me wonder why in the world we taxpayers have bailed out businesses that continue to operate near the margins of legality. Pleas note that your categories for multiple choice items are limited, and so my ability to pay is not at issue ; what is at issue is Citi Mortgage implying/suggesting that there is a problem with my ability to pay.

Company response to consumer: Closed
Consumer complaint received 2015-09-02 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I took out a home equity line 3 years ago but rarely used it. I was accessed a {$50.00} annual fee each year. Upon calling on last XXXX occasions the fee was refunded. The bank branch manager had assured me that even if I do n't use the XXXX line, my fee will be refunded. Upon calling this year, my fee was not refunded and the customer service agent recommended that I close the Home Equity line to avoid the fee in the future. I agreed provided that my annual fee was refunded. The agent was quite rude and refused to refund the fee. I told her to close the account. 
I complained to the bank 's online customer service agent and was given a brush off in the form of a standard e-mail response. I request that the fee be refunded to me now that the account has been closed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: QUALITY ACCEPTANCE LLC
State: NV

Complaint narrative:
I have a car repo and take i feel that just take my money i put XXXX dowm payment when we sstar the procces i say that i only have XXXX for down payment but they releaseme a car but later they cant aprove because i will need more ddaw payment i say i have XXXX but later they say not enouhg that i will need a least XXXX that i say ok i was driven thr car already they put in 3 payment XXXX +XXXX+XXXX when the XXXX payment i dont make i recieve a call that i have to pay or they will come for the car and then a month pass and i recieve a call from finance loan that i dont was aprrove i call dealer and they say is ok i olso buy a GAP insurance i dont know why if i have XXXX deductible but the problem is that i buy the car and was no condicion i have to expend XXXX on alternador amd battery new but the worsh is they use something that when the day after i dont make a payment they kill the car i can drive how they want me to pay if i dont move arround to work because they dont let me drive and by the end no was two months amd finaly they come for the car a police plate in the neck nock my door and say that he will take the car amd if i dont move the my other car he will use the force i was checking the XXXX and i get other vin check and no mach wath they give me i endent paying about XXXX and i still dont know where to claim can i do something about?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I AM FROM XXXX, XXXX AND I AM A STUDENT AT THE UNIVERSITY OF ARKANSAS. I PERFORMED WORK FOR AN ORGANIZATION NAMED " STAND STRONG, STAY DRY, BE SAFE '' WHICH WAS FORMED TO OPPOSE A MOVEMENT TO ALLOW LIQUOR SALES IN XXXX COUNTY, XXXX. I RECEIVED A CHECK DRAWN OFF THEIR ACCOUNT AT XXXX XXXX IN THE AMOUNT OF {$1700.00} ON XXXX/XXXX/16 AND DEPOSITED THESE FUNDS VIA MOBILE BANKING THAT SAME DAY TO MY CHASE ACCOUNT ENDING IN XXXX. ON XXXX/XXXX/16 A LETTER WAS GENERATED BY CHASE STATING " WE BLOCKED AND WILL CLOSE YOUR ACCOUNT ENDING IN XXXX '' -- -LATER IN THE LETTER CHASE STATES " AFTER WE VERIFY YOUR FINAL DEPOSITS AND PAYMENTS, WE WILL MAIL YOU A CHECK FOR YOUR REMAINING BALANCE AND A FINAL CLOSURE NOTIFICATION ''. THIS WAS NEVER DONE AS MY ACCOUNT WAS " RESTRICTED '' AND I HAVE NOT BEEN ABLE TO USE THE ACCOUNT SINCE XXXX/XXXX/16. OVER THE NEXT SEVERAL WEEKS I WORKED WITH BRANCH MANAGER XXXX XXXX IN XXXX IN AN ATTEMPT TO GET THE MATTER RESOLVED. ON XX/XX/XXXX SHE INFORMED ME THAT SHE HADE GONE " UP THE CHAIN OF COMMAND '' AS FAR AS SHE COULD GO AND WAS NOT ABLE TO RESOLVE THE ISSUE OF GETTING ME MY MONEY.SHE STATED THIS MATTER HAD BEEN TURNED OVER TO THE EXECUTIVE COMMMITEE LOCATED IN XXXX XXXX WHICH WAS THE RESOLUTION GROUP IN CHARGE OF OPERATIONS ISSUES. THIS MATTER WAS ASSIGNED A CASE # TO BE WORKED BY A PERSON NAMED XXXX. IN DISCUSSIONS WITH THIS GENTLEMAN, WE STATED THAT AS TIME HAD PAST AND THE FUNDS HAD CLEARED XXXX XXXX, THERE SHOULD BE NO ISSUE AS TO THE FUNDS BEING '' GOOD MONEY ''. WE ALSO PROVIDED INFORMATION TO HIM ABOUT THE ENTITY TO PROVE ITS LEGITIMACY. NO PROGRESS WAS MADE WITH THIS REPRESENTATIVE AND HE WOULD NOT GIVE ANY SPECIFIC INFORMATION AS TO WHAT THE PROBLEM WAS OR HOW IT COULD BE RESOLVED. ON XXXX/XXXX/16 HE CALLED TO SAY CHASE WOULD NOT RELEASE THE RESTRICTED FUNDS AND HE WAS CLOSING THE FILE. IN THIS CONVERSATION, ONE FINAL ATTEMPT WAS MADE TO ASK WHAT SPECIFIC INFORMATION DID HE NEED THAT WE COULD PROVIDETHAT WOULD ALLOW THE RESTRICTION TO BE LIFTED AND THE FUNDS BE RELEASED. NO ANSWER WAS RECEIVED IN THIS REGARD..THERE HAS BEEN NO OTHER COMMUNICATION WITH CHASE SINCE XXXX/XXXX/16. I HAVE VISITED WITH SEVERAL BANKING EXPERTS AND AN ATTORNEY WHO TELL ME THAT I HAVE BEEN WRONGED AND CHASE HAS NO RIGHT TO HOLD MY MONEY. ADDITIONALLY, I HAVE A COLLEGE FRIEND WHO ALSO WORKED FOR THIS SAME ORGANIZATION AND EARNED {$150.00}. HE TOOK HIS CHECK HOME WITH HIM ON SPRING BREAK AND DEPOSITED IT TO HIS ACCOUNT AT CHASE IN XXXX, XXXX WITHOUT A PROBLEM. IN CLOSING, I HAVE WORKED IN GOOD FAITH TO BRING RESOLUTION TO THIS MATTER. IN MY OPINION, CHASE HAS NOT! THIS IS A MISHANDLING OF JUSTICE AND I NEED MY MONEY!!! AS THIS IS A SUMARY OF THE BASIC FACTS, PLEASE LET ME KNOW WHAT ADDITIONAL INFORMATION IS NEEDED. MANY THANKS IN ADVANCE FOR YOUR EFFORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
After banking with Citibank for over 3 years, I discovered this evening that I could not use my debit card despite having a Citibank verified balance of {$900.00}. When I called Citibank, I was informed that the Texas branches had been bought by XXXX XXXX XXXX and as such, they, Citibank, could not allow access to my account. I was told I was notified of this via mail, though no certified letter or any correspondence showing I had received notification could be provided. Upon speaking to a supervisor, no remedy was available other than talk to the new bank tomorrow. I do n't feel I am overstating to say that this " customer service '' is tantamount to theft. Citibank allowed me to deposit my entire paycheck into my account 3 days ago on Friday, and on Monday denied me any access to my money! Like many Americans, I pay for most everything by debit card and rarely carry cash. How can a bank hold a persons money hostage, with no explanation other than I 'm sorry but we sent out letters? Ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Issue Number 1. XXXX XXXX, I received an offer from a buyer to sell my house, unfortunately XXXX Bank did not give approval for the sale. The reason provided was that they could not establish the owner of the house based on my social security number. My loan was with City mortgage Bank before it was acquired by XXXX bank. The social security number in reference is the same that City Mortgage Bank transferred to XXXX. 
Issue Number 2.I recently made an inquiry via email to both City Mortgage and XXXX regarding my mortgage account with a personal friend. We did not get any satisfactory answer from XXXX banks in trying to reconcile the principal balance of the loan. 
There were XXXX loan modifications between XXXX to XXXX. According to my recollections, each of these loan modification was sold to me with the pretense of lowering my monthly payment. In reviewing with my friend, these modifications made the interest rate to go up, the payment and the term of the loan as well. At the end of the day, the initial loan principal of {$120000.00} beginning in XXXX increased to {$140000.00} in XXXX The current value of the house is estimated to be around {$82000.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I had a Macy 's Credit card account number : XXXX, which I had not used for months. In XXXX 2015, I was notified that I had a {$50.00} balance for a XXXX gift card charge. I reported the fraudulent transaction and required to close my card immediately. Later, I filled in form required by Macy and attached a copy of my driver 's license. I never heard anything back while my balance+late fees have grown to {$150.00} now, XXXX the original amount. When I tried to talk to Macy 's again, the representative told me that if I did not receive any call from them, it meant they received my doc. It will take 90 days for investigation while my late fee will continue to accumulate.

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 2015-03-23 00:00:00
Product: Debt collection — Mortgage
Issue: Communication tactics — Threatened to take legal action
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Going through a divorce, my ex and I were unable to pay the mortgage for a few months. The house was sold in XXXX 2010 ( NOT A SHORT SALE ) and the mortgage was paid to Citimortgage PAID IN FULL. After the sale of the house, the law firm handling this case reported the pre-forclosure to the credit bureaus and do n't understand how a mortgage that was paid in full can go to foreclosure. I did not own this house at the time of the filing. CitiMortgage had an moral obligation to discuss the lawyer which they did not. In addition, Citi was part of a class action suit at this time regarding DEFICIENT MORTGAGE SERVICING.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Although I disputed the amount I was charged and complained of being overcharged, but continue to pay my bill ... ..I was charged with late fees and interest. I complained my bill was wrong and wonder what I was being charged, because I was told XXXX thing during the opening of my account then something different afterwards ( the bill came ) and I believe I did n't owe but a few dollars, with late charges and others fees the bill is now over XXXX! I tried to resolved this, but someone kept hanging up when I ask to speak with a supervisor. I called again and was told my account is now with a collection agency and there is nothing I can do about it, but pay!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-20 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 signed up for a CitiGold checking account in XXXX 2016 with the promotion code : XXXX. This promo code gives XXXX AA miles when you have XXXX consecutive bill pays and {$1000.00} debit card purchases within 60 days of opening the account. When signing up, I ensured that the code went through into my account on the right-hand side before proceeding to open the account. 
After 60 days, I contacted Citibank regarding the status of my account and when I would receive my miles. They told me I had qualified for the promotion and that the miles would be applied to my account in XXXX 2016. When I logged in again in XXXX and inquired about the miles, they had told me they put a claim through. In XXXX, I heard nothing back from Citibank and inquired again. This time, the representative put through a claim and I received a response back stating that the promotion code was not applied to my account and I did not qualify for the promotion. 
Each time I spoke with a representative, I inquired about downgrading my account, but each representative said that they can not until the promotion value has been added to the account. Because of this, I continued to pay the $ 30 monthly fee for having a CitiGold account. None of the employees would allow me to downgrade the account because I had qualified for the promotion and was advised to keep it opened until everything was settled and cleared. 
I was told by two representatives that the promotion code was on my account and that I had qualified, and told by another representative that they could not see the promotion code and that they are unable to give me the points. If one representative was able to see the promotion code, why were the other representatives unable to see it too? 
It is not XXXX going into XXXX and my XXXX AA Miles have still not been credited into the 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