vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-17 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a credit card with Citi Bank. 
I travelled to the XXXX in XXXX XXXX. 
I had a car crash there and I was hospitalized. 
I could not make any contact with any of my US banks for several weeks and could not make payments ( for 30 days ) to XXXX accounts. XXXX with Citibank simplicity credit card and XXXX to XXXX XXXX XXXX auto car loan. 
In XXXX XXXX, I returned to the U.S. after extensive recovery. 
I Spoke to both companies. 
XXXX XXXX 's Vice President of Operations - XXXX XXXX XXXX - understood my situation and acknowledged it was a mitigating circumstance, that I was NOT under financial hardship ( as I have paid religiously on time for several years without one single missed payment ). hence XXXX requested from the credit reference bureaus to rectify and remove the delinquencies from my credit report. The delinquencies have since been removed and reflected in my credit history and credit score. 
Unfortunately, Citi bank credit card department ( and their credit dept. + policy dept. ) refused to take into consideration any of my mitigating circumstances and refused my request. 

Their reason was : " its not a Citi bank error ''!!!! 

This is very unfortunate despite being a loyal customer with them and had never previously missed a payment on my credit crd with them prior to my car accident. 

And just like that, without any common human decency or appreciation for what I went through in the XXXX, they flat out behaved like a heartless robot and kept the delinquency on my credit report. Now this is hampering my ability to borrow or use my credit history. 

I ask for you to investigate Citi banks policy regarding this unjustified flat out refusal to help me restore my credit history to its pre-accident state. To help me, their customer, when I needed them most. 

Sincerely, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
Citibank has sent me to collections because of a checking account that I had with them was overdrawn due to fraudulent charges. I call and call and call and no one gets back to me or assists me. My checking accounts with them are overdrawn because someone stole my identity and used my accounts, not sure how they did it when there was n't much money in the accounts.

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 2016-08-07 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I monitor my credit reports weekly and found that a hard inquiry showed up on my XXXX report on XXXX/XXXX/2016. I contacted Citibank, the company that made the inquiry to find out why. I called the fraud department and spoke to XXXX, he would n't tell me his last name. I called on XXXX/XXXX/2016 about XXXX central time. Since I did n't have an account with them, they told me to disregard it. I told them I would not disregard it because it was affecting my credit and I wanted to know whether or not someone was trying to open an account in my name or if not then why they were pulling my credit. They then hung up on me.

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 2016-08-09 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I cancelled my previous Citi Costco card earlier in XXXX XXXX, 2016 after a call from Citi fraud for a charge for XXXX cents. I was told there were no other suspicious charges. I was told to check my statement for any other suspicious charges. There was a cash ATM withdrawal for {$600.00} from XXXX XXXX that same day. I was told it would be investigated. I got a call on XXXX XXXX from Citi from a XXXX number saying they were investigating my case and wanted my social security number, and asked to send my wife 's and my driver 's license by fax. I told them to email me as it seemed suspicious. They said they would email to my gmail address on file. I did not hear anything for 2 days and called the citi customer line on XXXX. The agent I spoke to said that no one from Citi had contacted me and it was likely fraud. He told me to report it. I reported it to my credit monitoring agencies and put a complaint with the FTC and Social Security Administration. He also told me that the charge of dollar XXXX was resolved and I would be credited the amount back to my account. I signed up for extra ID theft monitoring based on what he told me that it was likely ID theft. 
You can imagine my surprise when I logged into my account on XXXX XXXX, 2016 and saw that the investigation was closed and I was liable for {$600.00} + charges. 
I make XXXX a year and as a household we make XXXX a year. I nor my wife do not need to withdraw cash from an ATM with a credit card. We are not stupid to pay a {$35.00} charge for withdrawal from an ATM. We had not even set up a PIN for cash withdrawal. 
The only reason we have this card is because we have Costco and this is their new card. 
I called on XXXX/XXXX/2016 and was told the Citibank Security Ops dept was closed. Apparently no one else can help me. Thus I am filing a complaint with the CFPB. 

Sincerely XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
In XXXX of XXXX, I received a letter from Citimortgage stating that the Making Home Affordable program announced an expansion of borrower " pay for performance '' incentives for eligible loans modified under the Home Affordable Modification Program ( HAMP ). Since I did have this type of loan, I assumed this program applied to me. It lists the criteria I must meet in order to be eligible to received a {$5000.00} incentive and the {$5000.00} incentive would be applied as a lump-sum principal balance reduction payment shortly after the 6th anniversary of my HAMP Trial Period Plan effective date. It also states " that the incentive will be shown on your monthly Mortgage Account Statement, and THERE IS NO ACTION REQUIRED FROM YOU '' to get this incentive. I waited for my anniversary date of XXXX/XXXX/XXXX for the incentive to be applied. On XXXX/XXXX/XXXX, when I still did not get the incentive, my wife phoned customer service to ask what had happened and was told that I was supposed to sign the recertification papers and send them back. WHAT RECERTIFICATION PAPERS? The only paper that I received was the letter dated XXXX XXXX, XXXX, that I 've enclosed for your review. AT NO TIME, did I receive any other papers to sign or else I definitely would have signed them and sent them in. I was just under the assumption of the instructions on the letter, NO ACTION REQUIRED FROM YOU. If the letter had said, unless you send in your recertification papers by a certain date, you will not be eligible to receive this incentive, I would have called and said that I never got any such papers. Now, according to the customer service rep that my wife talked to at Citimortgage, the time has passed to send in these papers and that because I missed the deadline, I will not be getting this incentive. I feel that this letter was misleading and lead me to believe there was nothing more I needed to do to get this incentive. I ca n't begin to tell you how completely devastated I am that I will not be getting the {$5000.00} incentive. I have paid my mortgage on time for over 6 years and I think it is terrible that they can do this to me. Whatever help you can give me in this matter would be extremely appreciated.

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 2017-02-23 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
When monitoring my checking account online sometime during the second week of XXXX, I noticed XXXX debit transactions where the transaction detail was shown as " other debit. '' The XXXX transactions, posted XXXX/XXXX/17 and XXXX/XXXX/17 totaled {$900.00}. I contacted Citibank numerous times requesting more detail. After several calls and weeks, I was told by Citibank that the charges were to XXXX. I had contested XXXX fraudulent transactions to XXXX the previous month, so I was surprised that Citibank approved these transactions and debited my account without notifying me of another possible fraudulent transaction. As of today, Citibank has still not credited my account even though I have told them numerous times that I did not make the purchases and I have requested that they credit my account. Citibank has shown me no documentation of these charges and has notations that they have called me and sent me a letter but I have not received a call or letter from them. I finally decided to contact XXXX today and after speaking with XXXX people, they show no evidence of these charges. So I have no idea why Citibank debited my account for these XXXX transactions or where the money has gone. Citibank still has not credited my account or shown me any documentation of the transactions. The transactions are still shown as " other debit '' on my account register.

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 2015-07-07 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Financial Asset Management Systems Inc
State: CA

Complaint narrative:
Financial Asset management systems ( FAMS ) has steadfastedly refused to provide me a detailed balance statement on my account. In addition, FAMS does not have a contract with me to collect student loan payments from me. FAMS is engaging in illegal and abusive debt collection practices. The only rationale that I keep receiving on why my balance jumped from {$24000.00} to {$66000.00} is " interest. '' " Interest '' is not a sufficient explanation. I never received a detailed balance statement as to how this occurred and how this new balance was calculated. FAMS is trying to Collect on a balance that has not been shown to be correct which is a flagrant violation of the Fair Debt Collections Practices Act. FAMS is engaging in unfair business practices. I have not been shown where my debt payments are being applied to. In addition, my credit report has not been updated to repayment status as I was originally told by FAMS. FAMS has repeatedly threatened me, and has engaged in abusive debt collection practices including hanging up on me and repeated threats that are in flagrant violation of the Fair Debt Collections Practices Act. Their lies regarding updating my credit report to repayment status after XXXX payments which never happened were flagrant violations of the Fair Debt Collections Practices Act.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Promised XXXX Citi ThankYou points ( valued at {$400.00} ) when opening a CitiXXXX Checking account and meeting certain requirements. Citi customer service has confirmed that I have met my requirements, and promised the points by the end of XXXX. I have not received my points. Online customer service representatives, contacted yesterday and today, were unable and unwilling to assist me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-31 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I opened a Citigold checking account under the promotion code XXXX, made the required deposit on XXXX XXXX, it 's XX/XX/XXXX now and the promised {$500.00} bonus still has n't posted to my account. 

Contacted Citi regarding this issue several times, no one can give an answer as to when the bonus would post and why it has n't posted.

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 2015-07-14 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
From my citibank credit card account, I received an email telling me how many points my account had. Because I am not interested in this type of information, I clicked the email link provided to, " ... not receive future email updates from ThankYou Rewards, please CLICK HERE. " However, when the window to confirm my choice was displayed, if I chose not to receive emails about my TXXXX Rewards, I would also lose notifications about, " ... changes in my contact information. ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
To whom it may concern, Please I need some help here. I have not received my merchandise a Samsung tv that I ordered on line. On or about XX/XX/2016 I saw an ad on craiglist for a sansumg tv XXXX so I inquired to the phone number listed XXXX I talk to a XXXX XXXX and his email address is XXXX XXXX XXXXXXXXXXXX. He said he has just started working there and said the tvs come from California. I asked him to send me an invoice and price on priority shipping. From this email he sent me an invoice and requested I send him my credit card info.So I sent him my credit card information couple of days later I asked for the tracking number after a bunch of the run around no tracking number was sent and communication stopped. I have copies of the conversation that was via text and the invoice for the tv. Please this is a fraudulent transaction. I did n't receive any merchandise. Figuring this is an open a closed case with my credit card company. I explained to my credit card company the fraud they told me it was a dispute matter and said they would reverse the charges. Atfer doing a dispute with the credit card I pretty much got the run around with the dispute process. On the invoice it says 14 day money back guarantee. which the credit card company refused to look at it. as of right now citi closed the dispute. Talking with citi they informed me this is a taxi company. not the company on the invoice.

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 2016-02-19 00:00:00
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Asset Management Systems Inc
State: CA

Complaint narrative:
XXXX hired Financial Asset Management Systems to collect on my student loan. Financial Asset Management Systems ( " FAMS '' ) is engaging in deceptive debt collection practices. I had setup an automatic payment using FAMS ' own online payment system for XXXX 2016. For some unknown reason FAMS cancelled the automatic online payment for XXXX 2016, which made me allegedly late for my monthly payment. I have attached a screenshot of FAMS own online payment system. I went back and checked FAMS online system on XXXX XXXX, 2016 and noticed that XXXX had cancelled the payment and I made the payment on XXXX XXXX, 2016. The attached screenshot shows the cancellation from XXXX. To top it off, XXXX is trying to modify my credit report as a result of FAMS ' illegal debt collection tactics because XXXX is no longer reporting the payment arrangement to my credit report ( {$250.00} per month, 0.001 % ) with any of the credit reporting agencies which I 'm assuming is a result of FAMS ' action of canceling my monthly payment for no reason. There is no reason FAMS should have cancelled the monthly payment. FAMS is engaging in flagrant violations of the Fair Debt Collection Practices Act.

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 2015-10-28 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I switched my service over XXXX with the understanding that they would pay my cancellation fees XXXX. I cancelled XXXX and payed the cancellation fees and XXXX sent a prepaid card for {$240.00} to cover the cancellations fee. My problem is that the card expired last month, XXXX. I called to request a new card from Citi Bank and they told me they could n't give me a new XXXX as it had expired and I lost my all my funds. 

I called XXXX back and explained what happened and the agent told me to call XXXX and speak to Citi at this number. She said it should n't be problem and that I should be able to get a new card. So I called that number and spoke with the supervisor XXXX who explained that he could n't do anything and that the funds were gone. He stated that he could not do anything and that the card had expired and I lost my money. I explained that I read on XXXX that even if the card had expired I should be able to get my money. It states " If you have a prepaid debit card and the card expires while you still have money on it, you can request a replacement card to access the funds. '' It 's still my money at the end of the day. I paid {$240.00} to switch XXXX with the understanding they would pay for it. So I 'm still owed that money. XXXX then informed me that he could not do anything and that I 'm not entitled to a new card. 

According to the CFPB " The funds on a gift card will be good for at least five years, even if the physical card expires at an earlier time. If your card expires and there are unspent funds on it that have not expired, the issuer may give you a replacement card or give you the money by another means, such as a check. Either way, they may not charge you a fee. XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: ZENCO COLLECTION, LLC
State: CA

Complaint narrative:
This number called me:XXXX. I was told I need to call because of a legal claim against me. Naturally, I called. Zenco Collects representer told me I will be taken to court and I will lose my XXXX license if I do not pay. He implied that again during the conversations. Then of course, I can only think of that issue and I got my XXXX. I cried. And basically he said he will hang up and does not need to hear me cry and that I will owe more than I should if I do not resolve this issue with him now. I was told that he is recording our conversation and can be used in court. Please do. Please listen to the recording and see how he intimidates and says he needs to speak with the lawyers and that if by XX/XX/XXXX I will be again taken to court. I will be paying more than I should.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-21 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I responded to a communication from CitiBank involving a CitiGold Bank Account bonus ( XXXX Thank you points ) for signing up and meeting certain criteria. I opened the account online which informed me of the bonus points and stipulations to which I agreed. I then met my requirements for the bonus, and began using CitiBank as my main checking account ( bill pay, direct deposit, etc ). However, when contacting CitiBank they instead told me there was no bonus associated. 

I feel like I have been tricked by a company to which I have provided even more business.

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 2015-11-03 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NC

Complaint narrative:
I have made numerous contacts, ( copies will be attached., ) with Ditech , ( my mortgage servicer ), requesting to initiate procedures to eliminate my PMI charge of $ XXXX per month. They have taken more than four months to schedule an apprasil which as yet is not scheduled. It took XXXX XXXX XXXX to XXXX XXXX XXXX, 72 days and XXXX phone calls to be told that I have to authoize an apprasil in writing. I sent this auuthoriztion by email on XXXX XXXX with a copy by XXXX mail. I was told by email from Ditech on XXXX XXXX that an apprasial had been ordered. On XXXX XXXX, they told me by phone they could not tell me who the apprasier was that they only had an ID number and I should be contated by the apprasier within a week. I was contacted on XXXX XXXX by a person to schedule an appointment. During that appointment I learned the this person was not an appraiser and she had received an ordfer three days eariler to provide Ditech with a Professional price opinion. Obviously, rather than send an appraiser on XXXX XXXX, as promised, they sent a person to do a " professional price opinion '' which they have and will not furnish to me. I requested the opinion the same day it was availabel to them. 
I am fully aware of the procedure for eliminating PMI and do no believe their Procrastinating techniques in order to collect more PMI premiums ar within the law and obviously costing me money unecessarilyCan you help!!!.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-23 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I made a payment on XXXX XXXX and I can prove it. 
Citibank failed to process my payment until XXXX XXXX and then charged me a {$37.00} late fee. I called Citibank to get them to reverse the charges and they refused. This exemplifies the unethical tactics of the banking industry.

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