vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-17 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
This is my second complaint on the same matter.XXXX I liquidated funds and would like to pay this balance that was initially rejected for insufficient funds, but I can not do so. The bank 's system will not allow it! I have to wait for them to resubmit it 3 times ( which means XXXX fees from the credit card issuer AND my bank ) before it shows up again as an owed balance. I have chatted and called with no satisfaction. Initially, prior to the first fees charged, I was told by " XXXX '' in XXXX that they would correct it on their end by pulling back the payment and reposting the unpaid amount. When I saw this did n't happen, I called again and was told this was wrong, they could not do it. Every customer service person I speak to or chat with has a different story. It 's simply set up to generate fees for them. They should not be allowed to do this. They should not be allowed to NOT let you make a direct payment to stop this crazy process.

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 2017-02-04 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Called outside of 8am-9pm
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received a call this morning at XXXX from an auto dialer at Citibank, in order to collect on a credit card which is past due. I then received a call at XXXX from the auto dialer on the same issue. The citibank employees when the calls were transferred to them from the auto dialer had not read the notes or prior contact or payment arrangements which were entered into their system twice over past XXXX weeks.

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 2016-04-06 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I initiated a balance transfer over 6 weeks ago with my credit union to pay off my Citi Card account. Citi has subsequently refused to apply the payment. I have been fighting with them for over a month. First they claimed they did not receive the check, when I provided proof that they did ( and deposited it ) they then claimed they could not tie it to my account. When I pointed out that the copies of the check clearly show my correct information they made me send information to payment investigations. Two weeks ago it was confirmed by Citi that the payment was located and would be applied to my account. It still has not been and they refuse to give me further information. Meanwhile I cancelled all of my autopayments with them and confirmed it with a representative. Two weeks later they are claiming that I did not do so and they will not allow me to do so. They 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 2015-06-23 00:00:00
Product: Credit card — 
Issue: Balance transfer fee — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received an email from the Citi Fraud department so I called Citi credit card services to gather more information. Upon talking to the representative I was advise a dollar amount that was different than what I had. I had used XXXX promotional checks from Citi for 0 % on balance transfers until XXXX/XXXX/2016 with a {$5.00} or 3 % fee, whichever was greater. After talking to the fraud department I started questing the amount and they transferred me to a customer service where I was told the fee is % 5 not % 3, I advised that the paper I have that is attached to the check states 3 % not % 5, Citi has mislead me as a customer as to what the offer really is. The manager and the representative could not explain nor wanted to help why I was charged % 5 and not 3 %. Citi is a misleading consumers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
After review of my report I have made several efforts to have this account removed through the credit reporting agency. I took steps to freeze all my credit reports and file a police report to protect my name. The company has decided not to communicate with me over any of my requests that have been submitted. These accounts I have no Knowledge of the account that the reporting company has on my credit reporting account. I have repeatedly attempted to remove the account an the company and the credit reporting agency has not contacted me. 
According to Fair Credit Reporting Act, XXXX XXXX XXXX a ) ( XXXX ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original XXXX XXXX with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account. With in XXXX days.

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 2015-10-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am contacting the CFPB as I am stunned and scared as my mortgage servicer, CitiMortgage denied my request for a loan modification because the FHA loan I have that is co-signed by my brother ( who quit claimed off the property XXXX/XXXX/14 ) also co-signed for a loan with his girlfriend with XXXX XXXX and that loan happens to be an FHA loan. That loan was taken out a few years after my loan so I can not understand why this is being held against me and CitiMortgage will not modify my loan because of this. I went online and pulled the FHA handbook guidelines refernece Handbook XXXX : XXXX stating this is the exception and not the rule. I tried appealing the decision and they came back today and stated my only option is short sale. I have nowhere else to live and I started working a XXXX job for the past year just to be able to afford this home. It appears from the FHA handbook an exception can be made considering I live in the home, my brother does not and we have a recorded quit claim deed. - XXXX Non-Occupying Co-Borrower. A non-occupying co-borrower on property being purchased with an FHA insured mortgage as a principal residence by other family members may have a joint interest in that property as well as in a principal residence of their own with an FHA insured mortgage. XXXX See HUD Handbook XXXX for additional information ). Under no circumstances may investors use the exceptions described above to circumvent FHA 's ban on loans to private investors and acquire rental properties through purportedly purchasing " principal residences ''. 

Considerations in determining the eligibility of a borrower for XXXX of these exceptions are the length of time the previous property was owned by the borrower and the circumstances that compel the borrower to purchase another residence with an FHA insured mortgage. In all other cases, the purchasing borrower either must pay off the FHA insured mortgage on the previous residence or terminate ownership of that property before acquiring another FHA insured mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-03 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I closed my Citibank XXXX XXXX XXXX XXXX in the XX/XX/XXXX. I had no intention of re-applying for this product, but in XX/XX/XXXX, Citibank directly marketed this product to me with the promise of a sign up bonus of XXXX XXXX XXXX points after spending {$2000.00} within the first 3 months. I must stress that they sent marketing materials for this card directly to me and that I did not seek out this product. While I am not an expert on Citi 's policies, in the past, they have had a policy about obtaining a sign up bonus from the same product within 18 months from the date of the bonus being earned. Because I had held this product for at least 2 years and had closed the account more than a year ago, AND because they directly marketed the product to me, I assumed that I was eligible for the sign up bonus. Had Citi 's marketing not been sent directly to me, I would not have applied for this product. After making the minimum spend, the sign-up bonus was never released into my XXXX account I called customer service to inquire and they said that because I had held this product only a year before, that I was ineligible for the sign up bonus. This represents both a significant departure from their previous policy and more importantly, constitutes a false advertisement of this product.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Solidus Group LLC.
State: CA

Complaint narrative:
I received a call on the morning of XXXX/XXXX/15 at XXXX. I called back the number at XXXX and let the person who answered know that I was returning a call to this number. The person on the phone confirmed my name and last XXXX of my social security. He proceeded to tell me his name was XXXX and that he was one of the Supervisors there. He did NOT tell me that he was trying to collect a debt or that he was a debt collector, he did tell me that he was calling because I had committed a fraudulent act by writing a bad check to XXXX XXXX XXXX and if I did not talk to him he would forward my paperwork to the proper authorities and inferred that I could be thrown in jail. He almost gave me a XXXX!! 

Knowing that I had not written a bad check to anyone I requested that he send all paperwork to the police, since writing a bad check is illegal. I also let him know that I have an account with that bank. He then threatened me again that he would be forwarding my case to the proper authorities. I then ended the call. i calmed myself down and called the same number back and got a female. I explained what had happened and told her I would be filing a complaint with the Attorney General. I asked for her company name and address she would not give it to me. She asked for my name and said I was not even in her system. I requested her company info again and she transferred me to another female. I again explained my story and requested her company name. She asked me if the word Jail was mentioned and I confirmed it was - I also let her know that I was threatened by this guy and if she has recordings she confirmed that conversations are recorded. She requested my name and after searching her system she said that they were a debt collection company trying to collect on a XXXX payday loan. I told her that this XXXX person told me it was a bad check written to XXXX. She gave me the address of her company and would no longer respond to me so I hung up. She told me that the guy I spoke with was a XXXX XXXX XXXX and he was not a supervisor. 

The Company does business as : Clear Credit Solutions at XXXX XXXX XXXX # XXXX, XXXX Delaware XXXX believe that what was done to me was extremely threatening and hostile! I got XXXX when he told me that I had broken some law and was subject to some type of penalty including jail. I believe that this company rep has crossed a line that is illegal and I would like to pursue legal justice.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I purchased a dress online from Macy's.com on XX/XX/XXXX for {$340.00}. It did n't fit my sister so it was returned and credit was recorded on XX/XX/XXXX for {$320.00}. When I got my statement ending XX/XX/XXXX it showed that I had late fees of {$27.00} and interest charges of {$3.00}. I called customer service on or about XX/XX/XXXX to resolve the issue and the agent indicated that the late fee and interest charges would be reversed and she would waive the {$20.00} discrepancy for my troubles. Had something to do with a glitch in the system for no minimum payment posting. Fast forward to XX/XX/XXXX and I received a letter from Macy 's Collections Department ( dated XX/XX/XXXX ) that {$50.00} would be withdrawn from my bank account on XX/XX/2016. In fact, {$33.00} was withdrawn from my bank account on XX/XX/2016. So, I called Macy 's again to work on the issue. Some how they had reversed the interest charges and an arbitrary portion of the late charges ( {$14.00} ) and failed to reverse the {$20.00} discrepancy. After speaking with many customer service agents, I believe I have gotten this issue resolved however the explanation of the {$33.00} charge to my bank account was because I am on autopay, which is true! I am on autopay. Therefore, none of the late fees or interest charges should have posted since the {$20.00} discrepancy from the month before should have been on autopay, as well! The point of this complaint is somehow in less then 60 days I have gone into collections for a dress I had for less than 2 weeks. It feels like I 'm being harassed. Now, my account has been adjusted and shows a credit balance of {$33.00}, but the additional late fee adjustment of {$13.00} has been back dated to XX/XX/XXXX. So if you look at my account now, the most Macy 's should have taken from my bank account is {$20.00}. Luckily, I do n't carry balances on credit cards but if i did, I do n't think I would have been able to figure this out and this practice likely affects many other consumers.

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 2016-11-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: Kross, Lieberman & Stone, Inc.
State: GA

Complaint narrative:
An agency named Kross, Lieberman, & Stone have fraudulently stolen {$950.00} from me and I want my money back. Kross contacted me and claimed that I had an unpaid debt which they were trying to collect. Kross used the false name of XXXX to steal my personal information and made a false settlement agreement with me. Now an agency named XXXX is claiming I owe them and I have a balance of {$800.00} plus that I owe them. This is a lie. Kross appears to be a criminal organization that steals from consumers who are trying to do the right thing. Under that settlement agreement I DO N'T OWE XXXX ANYMORE MONEY BECAUSE I PAID THEM ACCORDING TO THE SETTLEMENT AGREEMENT. AND THOSE XXXX CREDIT BUREAUS ARE HOLDING ME HOSTAGE BUCAUSE OF THIS FRAUDULENT COMPANY CALLED KROSS, LIEBERMAN, AND STONE.

Company response to consumer: Closed
Consumer complaint received 2015-05-04 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I have a credit card with Macy 's, account number ending XXXX. I used that card to purchase a product. I subsequently returned the product. Macy 's posted a credit to my account for the value of the returned product. I later used a portion of the credit to purchase another product. I now have a credit of {$120.00} on my account. 
I called Macy 's and asked them to send me a check for the credit balance. They refused to do so and told me that I can only use the credit to purchase additional goods at Macy 's. I do not need any additional purchases and do not feel that it is acceptable to refuse to send me a check for the balance. Why should I be forced to buy something at their store just to get my funds back. That is a ridiculous policy. They took the funds from me for a good purchased. I returned the good and they, in turn, should return my funds.

Company public response: Company 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: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Hello, my credit score and report has and is always perfect. I never pay anything late and always pay early the full amount I owe. Never a minimum balance and never had any issues with any credit cards. On XX/XX/2014 Macy 's put a delinquency on my account which I did dispute. They never send me the bill and explained to me that it was not my fault. They got the payment as soon as I called them and let them know I did n't get the bill. I paid in full a week later. They admitted they had issues and said it should not effect my credit report. Yes they did put the account in delinquency. Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-26 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I signed up for a promotion with CitiBank to open a bank account, keep a XXXX balance for 30 days and then receive a {$400.00} bonus. I completed the steps and was not provided the bonus award.

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 2015-06-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have a XXXX mortgage loan with citimortgage. The mortgage type is XXXX year balloon with a interest rate of 11.625 % with a monthly payment of {$760.00} I currently have a decreased of {$10000.00} in income due to job placement. I apply for a loan modification to decreased my monthly payment to a affordable payment. I was approved for a loan modification for the amount of {$720.00} with a XXXX interest rate. Citimortgage adjusted my monthly mortgage payment per month for {$48.00}. I am trying to dispute this matter, and I am not getting assistance or help with a affordable payment. I am having trouble with making my mortgage payments. I am not able to afford the monthly payment of {$720.00} per month. I have every intention of paying what I owed. I just wanted assistance with an affordable monthly payment that will allow me to make. I will like to be reviewed for an affordable mortgage or a lower interest rate. I have a conventional loan and citimortgage loan is not trying to help me keep my home. Please help me keep my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
In XXXX 2014 XXXX gift cards I purchased at Home Depo each for {$500.00} for total of {$1000.00} ended up having a value of {$0.00}. The store told me the cards were used in California after I purchased them. I always had them in my possession and I believe there is big time fraud going on there with gift cards. My research says people maybe even the mgmt of this company gets the numbers on back of cards re inks cards then innocent people like me get ripped off after buying them for gifts. This was on TV news recently which is why I decided to pursue this a year later. These cards should be locked up etcc.. before selling but if Mgmt is involved that wont help ... ... ... I purchased other cards at different home depot and they were fine ... This XXXX store is commiting fraud and they act stupid when its brought to there attention see letter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I have a mortgage with Citi-mortgage and have not been XXXX days late with them. They keep calling about the mortgage payment for XXXX even though it is XXXX XXXX ( within the XXXX day grace period ). The worst part of the matter is, they keep calling my relatives from another state which never gave them that information. Citi-mortgage took it upon themselves to skip trace those numbers even though they have my contact information ( it hasnt changed in the XXXX years I have had the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I withdraw {$500.00} from Atm Machine located at the Citibank branch of the city of XXXX CA XXXX on XXXX XXXX 2016 around XXXX. I realized the ATM gave me just {$200.00}, I called Citibank customer service to report this incident, They gave me conditional credit toward my account pending investigation without showing any proof they reversed the {$300.00} credit given, I spoke with a Supervisor on the customer service department I told him, I need some type of proof as a video of the transaction because while after completing their investigation Citibank has not provided me proof of such the money given by the ATM just they said as stated on the letter 'they cant XXXX honor my request '' That 's why I 'm reporting this issue to the CFPB.

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 2015-07-02 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Dear officer, I made a purchase of a really small amount on my credit card XX/XX/XXXX. The bank failed to send the monthly statement by mail and so I was not aware of the balance on the credit card. I did not make any other purchase on that card since then. The credit card company never contacted me about the past due until XXXX months later when I was warned by the credit score change ( 800+ to 620 ) from another credit card company. The bank have all my contact information on file including email address and phone number but obviously they did not try to let me know about the problem. I think the bank should be responsible for providing the account information to me and warn me about past due. Thanks!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief