vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-13 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I recently checked my credit reports as i have not done so for many years and find that this account is reporting inaccurate information which is causing a negative affect on my credit. 
I request that the creditor verifies the information it is reporting and provide me with copies of the account details such as when it was opened and the payment history as this account is unknown to me, i have no records of owning this 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 explanation
Consumer complaint received 2015-06-15 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Solidus Group LLC.
State: UT

Complaint narrative:
I received a phone call at my place of employment from a man stating he was pressing criminal charges on behalf of a payday loan that was not satisfied 3 years ago. I asked that he not contact me at my place of employment and asked for a number to call him back. I promptly called back to find out what the issue was. The man stated that I was a criminal that defrauded a payday loan company and that I was being charged. I stated that I have n't received any sort of information regarding the debt and did n't know what he was talking about. He went on the call me a 'piece of XXXX ' who was criminally taking out loans and defrauding companies. He continued to yell and verbally abuse me and accuse me of criminal activities I did not commit. I immediately asked to speak to a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank took {$170.00} in fees from my checking account between XXXX XXXX, 2015 to XXXX XXXX, 2015. In order to maximize the fees, Citibank processed larger transactions first in my checking account then smaller transactions which caused my account to be overdrafted. Citibank is engaging in unfair business practices by processing larger transactions first then smaller transactions in order to maximize overdraft fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I signed up for Citi Gold Checking account promotion back in XXXX 2015 via online offer for bonus XXXX Thank you points after meeting certain requirements which I have already met. I confirmed with Citibank on couple of occasions in the past XXXX4 months that I am eligible for the bonus and have met all the requirements. I was told that I am eligible and have met the requirements and the bonus XXXX Thank you points will be awarded as soon as Citi receive and process my XXXX form. I have already sent the XXXX form twice. so when I inquired again this month, I received a letter that I am not eligible for the offer and I was n't targeted for the offer due to an old Citi checking account ( not the new Citi Gold Checking ). I was told on XXXX occasions that an offer code is attached ( XXXX ) to my account and I should be getting the bonus XXXX thank you points as per the terms and conditions. I love Citi customer service and love citi bank in general but not sure what is going on in this case.

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 2015-10-25 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I belief its unfair for a bank to denial there customer the right to ask to up there credit limit on there credit card that three year old never late never missed any payment always the bal pay in full all ways. now on or about XXXX/XXXX/2015 my dividend cad ending in the number XXXX to increase my limit to XXXX XXXX and the base for the request was I cant used the card. with a credit. Limit is XXXX that credit is three year old. this is the third time I have ask to increase that because it effect my credit score. that why we do n't used that. the XXXX XXXX limit is for some just become a customer of Citi bank. and for Citi to denial my request for the increase base on the number of inquired and Citi tell me that iam a loyal customer. but let me explain the number inquired, that on my credit my husband own a company that used my credit also that why there are number of inquired. but not XXXX missed payment or never late payment. these are the real fact follow the fact. let talk about that I have a XXXX XXXX on the XXXX with XXXX a year income, and I would review that as being treat unfair with excellent credit in XXXX. my payment history is very strong. I belief the account should be review as a loyal customer as Citi bank say. follow the fact on the credit report and not a inquired .just because of my age. do n't let that play a factor in a decision that do n't warrant a denial. so how can I be a loyal customer of Citi bank. if i am getting denial for ask to increase my credit line. I quest people like me and my husband at our age cant have good credit history. its unfair. this is the third request and being denial so guest we will stop ask. for an increase onthat card that XXXX year old with excellent credit history., fact check the record please.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-02 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 am writing to the CFPB in regards to Citibank 's false advertising practices and poor internal processes and control. I applied and was approved for a Citigold Interest Checking Account with Invitational Promotion Code : XXXX for XXXX ThankYou Points after meeting requirements. For further evidence, please see Page XXXX. 

On XXXX XXXX, XXXX, XXXX XXXX confirms that account is enrolled in XXXX ThankYou Points promotional offer ( Reference : XXXX, Page XXXX ). 

On XXXX XXXX, XXXX, XXXX XXXX mistakenly writes that my account is enrolled in promotion XXXX and that I must " complete Qualifying Debit Card Purchases of {$1000.00} '' ( Reference : XXXX, Page XXXX ). 

On XXXX XXXX, XXXX, XXXX XXXX corrects XXXX and writes that my account enrolled in promotion XXXX had successfully satisfied promotion requirements and that I will not have to provide the printout, as she has sorted out the issue of XXXX 's mistake ( Reference : XXXX, Page XXXX ). 

On XXXX XXXX, XXXX, XXXX XXXX reconfirms that account enrolled in promotion XXXX met the requirements and that XXXX Thank You Points will post by XXXX XXXX, XXXX ( Reference : XXXX, Page XXXX ). 

On XXXX XXXX, XXXX, Citibank sends mass emails about account openings for my checking and savings. On XXXX XXXX, XXXX, Citibank sends an apology for " technical errors '' ( Pages XXXX-XXXX ). 

On XXXX XXXX, XXXX, XXXX Thank You Points do not post and an inquiry is made. 

On XXXX XXXX, XXXX, Citibank writes that account had no Thank You promotion to begin with. 

It is clear, due to the above and the attached evidence, that Citibank is experiencing very poor internal processes and controls, including but not limited to : promotion enrollment mishandling, mass emails about account openings, points not posting properly, and more. 
There is also false advertising and confusing marketing involved by leading the consumer on and making false promises to a Citigold consumer that points will post by a certain date, only to be told that there was no Thank You Promotion applied, despite evidence saying otherwise ( including XXXX confirmations of promotion enrollment ).

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 2016-12-07 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I am writing in regards to how Citibank reported me as past due and did not even bother to contact me through any of their customer contact channels. I had to find out when my card was declined at a merchant. I opened this new account because Citibank hounded me to open an additional account as they took over the XXXX XXXX partnership. After 6 months of solicitations, I chose to do so and apply - and within 3 months they made an error and reported me past due. I am very frustrated as I have had a relationship with Citibank since 2000 and have NEVER been past due on any accounts. I am very concerned as this will impact my credit score and impact my ability to refinance my mortgage and apply for student loans for my children as they starting college soon.

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 2015-09-11 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XXXX/XXXX/15 I deposited a check for a very large sum of money, in XXXX funds, into my checking account. The bank clerk told me the funds would be available in a week 's time. Some days later I got a letter from the bank, dated XXXX/XXXX/15, saying a small amount of the funds were available for withdrawal right away, and the remainder would be available for withdrawal XXXX/XXXX/15. Subsequently, I got another letter from Citibank saying that since these were foreign funds, the check had been sent out for collection, and the funds would be credited to my account one or two days after receipt. On XXXX/XXXX/15 I went online. The funds had not been credited. I called Citibank and in the course of XXXX/XXXX/15 and XXXX/XXXX/15 I talked to XXXX bank employees whose names I have. They would look into it. On XXXX/XXXX/15 the XXXX XXXX told me the funds would be available in " six to eight weeks, '' presumably from the date of deposit. This was unacceptable, so I went to my local Citibank in XXXX, where I had deposited the check in the first place, and talked to the branch manager, XXXX XXXX, who indicated he would do the necessary. On XXXX/XXXX/15 he told me the collection department said the funds would be available at some unspecified time, maybe in three weeks. Meanwhile, the exchange rate has continued to fluctuate, not in my favor. When we started out I believe the rate was 77 % and now it is XXXX 75 % -- these numbers might not be exact. It is possible the bank converted the money when the rate was more favorable and wishes to use a less favorable rate when they actually give me the money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
YOU ARE STRICTLY PROHIBITED FROM CONTACTING XXXX XXXX WITH THREATS OF INVESTIGATION, MISCONDUCT OR ACCUSATION. YOU ARE UNDER STRICT PROHIBITION FROM ANY MISCONDUCT INVOLVING XXXX XXXX ' FUNDS OR BANK ACCOUNTS. YOU MAY NEVER JEOPARDIZE XXXX XXXX ' MONEY SUPPLY, ABILITY TO EARN, PROFIT MARGIN, NET WORTH OR GROSS DOMESTIC PRODUCT. 
YOU ARE HEREBY ORDERED TO CEASE AND DESIST FROM ANY ARGUMENT OF DOUBT AS TO WHETHER ANY BANK ACCOUNT AT YOUR INSTITUTION IS WHOLLY MINE. 
YOU ARE SEVERELY PROHIBITED FROM ARGUING THAT THERE ARE NOT ENOUGH RIGHTS TO WITHDRAW FROM ANY ELECTRONIC TRANSFER TO FUND ANY ONE OF MY ACCOUNTS. YOU ARE COURT ORDERED TO ADMIT OUT LOUD THAT THE MONEY IN THESE ACCOUNTS IS LEGALLY AND RIGHTFULLY MINE AND THAT YOUR BANK MUST ACT TO ASSIST ME LIKE ANY OTHER CUSTOMER. 
YOU ARE ORDERED TO CEASE AND DESIST FROM ANY BLOCKAGE OF THE ELECTRONIC SYSTEM. 
YOU ARE HEREBY ORDERED TO CEASE AND DESIST FROM ANY OBSTRUCTION OF MY CUSTOMER SERVICE DEMANDS SO THAT YOUR EMPLOYEE DOES ACT TO HELP ME WITH EVERY REQUEST JUST AS THEY DO ANY OTHER CUSTOMER. 
YOU ARE STRICTLY PREVENTED FROM BLOCKING MY RIGHT TO WITHDRAWL. 
YOU ARE STRICTLY FORBIDDEN FROM ISSUING ANY WITHDRAWL TO A WELFARE OFFICER, POLICE AGENT OR OFFICER OF THE COURT. YOU ARE STRICTLY PREVENTED FROM EVEN MARKING MY ACCOUNTS WITH NEGATIVE INFORMATION ON THEIR REQUEST. ALL MARKINGS FROM THE BANK SHOULD REFLECT POSITIVELY ON THE PERSON. 
YOU ARE STRICTLY PROHIBITED FROM OBSTRUCTING ME FROM RECEIVING MY INTEREST CHECKS BACK IN THE MAIL ON MY CD 'S. SEND ME THE INTEREST CHECK BACK IN THE MAIL AT THE END OF EACH TERM ON EVERY SINGLE CD AT YOUR BANK. 
YOU ARE SEVERELY FORBIDDEN FROM ASSISTING ANY SURGEON IN OBSTRUCTING MY ACCOUNTS. 
YOU ARE ORDERED TO CEASE AND DESIST ANY UNLAWFUL ATTEMPTS OF FATAL DEATH THREAT, HARASSMENT OR INVESTIGATION INTO ANY MATTER WITH YOUR BANK WITHOUT FIRST CONTACTING XXXX XXXX LEGAL REPRESENTATIVE LISTED BELOW : XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I noticed CITI CARD XXXX ... XXXXXXXX XXXX XXXX XXXX, SD, XXXX. They are on my credit report ..its says ive had them since 1989 and have been making payments since then and still am. I do not get a bill for this company nor do I pay XXXX so I dont know why its on my report and why it shows I make payment and ive had it since 1989

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 2016-06-16 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
In XXXX XXXX, I was induced to open a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX Citi ThankYou points in exchange for opening a CitiGold account and scheduling two bill payments from the newly opened account. 


XXXX Citi ThankYou points equals {$800.00} in travel on XXXX XXXX when used with the XXXX credit card. 


After enrolling with the promotion code, I contacted Citi and received confirmation that the offer was attached to my account. 


On XXXX XXXX, XXXX, I confirmed with Citi that I fulfilled all terms of the offer and to expect my bonus on or before XXXX XXXX, XXXX. 


On XXXX XXXX, XXXX, I did not receive my bonus points as promised. 


On XXXX XXXX, XXXX, I went on chat with XXXX and explained that I did not receive my points. XXXX said I should have already received my points. An internal investigation was opened. 


On XXXX XXXX, XXXX, Citi 's investigations team informed me that my bonus was denied for the following reason : " There was not a ThankYou Points promotion offered in conjunction with the opening of your account. '' Even though I have been assured by Citi that I met all requirements to receive my bonus, the bank is now refusing to honor their end of the agreement. 


Citi must credit my account immediately or additional steps will be taken to collect my promised bonus. I am extraordinarily unhappy and suspect that Citi routinely and systematically defrauds their customers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
What have a house with a loan from Citimortgage. We refinanced this loan with Citi three years ago and now have a principal balance of {$130000.00}. During the time of obtaining the loan, Citimortage obtained a very, very low appraisal on the house so after three years we had the house appraised recently at {$180000.00}. With this new appraisal we went back to Citimortage to request PMI removal. Citimortgage sent us a document stating we had to mail them back an official document and pay {$300.00} for an appraisal ... nothing else. The appraisal came back recently at {$170000.00} and based upon this corrected value the LTV rate is 77 %. Upon talking to Citi today, they stated they will not remove the PMI as they are going off the original appraisal value which is not correct. Most lenders recognize that there 's little point in requiring PMI after it 's clear that we as homeowners are making our mortgage payments on time and that you have enough equity in your property to cover the loan if the lender has to foreclose ... which of course we do. At this point Citimortage is holding up the process on purpose against the 1998 Protection act and laws at hand. If we do n't get resolve using the CFPB we will take Citi to court as this is nuts. Appreciate whatever help you are able to offer. 

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
Consumer complaint received 2015-09-30 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Nationstar acting as the Servicer of this mortgage has failed to meet all of its requirements under HBOR and is attempting to illegally foreclose on my personal home by selling it at auction on XXXX/XXXX/2015. The direct violation of HBOR law is based on Nationstar Mortgage improperly and unfairly reviewing my loan modification request for relief. i have submitted a complete loan modification direct via fax and have been forced to resubmit the same package several times and i never get a single person to answer my questions honestly or directly. They always have hundreds of people pass of the file amongst each other just to create motion and delays. i intend to keep my home and i meet all eligibility criteria. they have never offered any help or relief and continue to threaten to take my home. Nationstar Mortgage instructed and allowed the Foreclosure Trustee named XXXX\ XXXX XXXX to illegally start foreclosure on my property. The Nationstar Mortgage and know your options website gave the result that i am eligible for a loan modification with a lower payment to save my property. So there is no reason why Nationstar should have denied my request or started foreclosure on my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC
State: NY

Complaint narrative:
A collection account from XXXX XXXX has been placed on my credit report erroneously. This account does not belong to me and I have been disputing the account for several weeks to no avail. The debt is being handled by Enhanced Recovery Company , LLC which has repeatedly provided me with incorrect information in regards to the steps to take to get the incorrect information removed from my credit report and they have not been helpful during this entire process. At this point my credit score has been affected as this incorrect information remains on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-29 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I have account with Citi bank for almost 10 years. I was trying to login to my account but it was asking me about my new debit card that i supposed to received, i never received so i called the customer service, the citi bank representative trying to send me the replacement when she verified my address she said that there was some problem in your address, we sent to the different address. I explained her that I receive all my citi bank mail on this address for the last 2 years and never had any mailing issue. when i asked can you tell me what is my current address and when this got changed. she said she ca n't share these info. i request to talk to supervisor, she said we have the same mailing address and she came with another story that your account has been closed few days ago due to overdrawn., I told her that citi bank closed all their location in my sate ( Pennsylvania ) long time ago. the only way to access my account is online or through ATM. i did n't have access to it. i asked for solution. she said no solution to it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-03 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
In the middle of XXXX this year, I received a text from the Citicards Fraud Department. I immediately called that department to investigate what was going on. They informed me that there were some charges on my account that 'they ' suspected were fraudulent charges. When I logged into my account on line I immediately noticed that there were XXXX ( XXXX ) charges that clearly indicated that someone used my credit card to pay New Jersey XXXX. I was told by the dispute department that they closed the account and issued a new card. I was told that when my XXXX XXXX, 2016 statement would reflect that these charges would be subtracted from 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 explanation