vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-16 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I have disputed this collection before and it was removed from my credit report. Now it is back and they are sending me letters trying to collect a debt I do not owe. This account does not belong to me. I have never had an account with this Creditor. I am requesting that it be removed from my credit report. If you fail to remove it, you are required by law to provide proof that the debt is mine. Please see the attached document and the comments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 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 was promised a promotional offer by Citibank in connection with opening a Citigold checking account. I met the required criteria stipulated by Citibank, of which I have documentation. After meeting the criteria, Citibank confirmed that I had done all that was required to receive the promotional XXXX XXXX XXXX miles and that the miles would be rendered within a certain amount of time. That period of time elapsed long ago. I sent additional messages and made additional calls and Citibank still has refused to perform as promised. 
Citibank tricked me into signing up for the account by promising a promotional offer they never delivered. They collected the fees from me for the account each month while stringing me along promising to render the miles. I believe they did this knowing that they would not give me the miles but wanted to continue to collect fees from me for the account. I want Citibank to perform as promised and deliver the XXXX XXXX XXXX miles.

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 2017-03-11 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
On XX/XX/2016, we accepted an offer from CitiMortgage to refinance the adjustable-rate mortgage we had with them, paying an application fee and locking in a 15-year, fixed-rate of 2.875 %. From the outset, we emphasized that the bulk of our living expenses are funded by automatic monthly withdrawals from our retirement accounts ( IRA, SEP-IRA and a tax-deferred employee savings plan ), in addition to our investment portfolio. 

After five months and countless hours of complying with Citi 's requirements for documentation -- often being asked for the same documents two or three times over -- we have been informed that our application has been denied due to " Insufficient income for mortgage obligations. '' This is despite our repeated documentation of over ample funds in our retirement accounts and steady monthly withdrawals. 

Citi 's underwriting department required : " If income is from retirement assets provide 2 months current, complete and consecutive bank statements to verify sufficient assets for income to continue for 3 years. '' Accordingly, we provided copies of our XXXX statements reflecting our retirement accounts and our bank statements -- several times. At no time did Citi ask for additional information about any of our retirement accounts, even though we offered. In the last communication from the loan processor, she stated that they had enough information to submit the package to underwriting. 

Our cash flow is more than ample to meet our mortgage obligations and living expenses. Citi has known this from the beginning, but continued to string us along and repeatedly asked for the same documents until finally after -- five months -- they declared that our income was insufficient. It is now clear that Citi simply did n't want to refinance the loan in the face of rising interest rates, and continued to mislead and deceive us. We have retained all correspondence and documentation. 

Refinance Loan # XXXX Original Loan # 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 2015-12-17 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
Younomics reported my account being 30 days late in XXXX and XXXX 2015. I called in late XXXX about this report. The agents on the phone said they had no way of reversing the report. I had made payment arrangements with the company early XXXX and specifically asked that my account would reflect paying as agreed, they told me yes it would. Two weeks later I see that they reported my account late and I was continuing to receive collection calls. My account is paid up to date and I would like the report of being 30 days late removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am writing due to a misunderstanding regarding payment resulting in late fees and interest. The new balance of {$18.00} with a payment due date of XXXX/XXXX/16 was originally handled via ACH in a phone conversation with Citicards representative in XXXX. My wife and I always pay our bills in full and on-time, as attested to by our credit history and rating. 

The next statement ( payment due XXXX ), arriving less than two weeks after the original payment-due date, indicates a balance due of {$55.00} and the Citicard phone representative XXXX told me that it was actually {$74.00} due to additional late fees. 

I believe that an error in understanding, or otherwise, is behind the " missing '' payment of {$18.00} ( due XXXX ). 

I am asking that the late fees be removed this time. If so, we would continue as customers. 

On XXXX/XXXX/16 I paid {$36.00}, what I was told was the full amount due from XXXX identical monthly automatic transactions of {$18.00} each. This was to be payment-in-full for all monies owed to Citicard. Yet now ( XXXX/XXXX/16 ) Citicard tells me another automatic transaction of {$18.00} was charged on XXXX. However, again, I was told on XXXX that we only owed for XXXX transactions of {$18.00} each and my payment of {$36.00} that day covered all owed except for the interest charges. There should be no balance except the " interest charges ''. 

Additionally, the late fees appear to amount to well over 100 % on an annualized basis. Perhaps it is a calculation error but it does not seem reasonable or lawful. 

I sent, on XXXX, a XXXX letter to Citicard Customer service explaining all this and only received a general form letter reply that did not acknowledge any of the facts of this case. 

We always pay our credit card bills in full and on time. If Citibank is willing to calculate the interest charge on the original {$18.00} ( on the statement with payment due date of XXXX ) for one month, we would consider paying that to finally conclude this matter in a fair manner, especially when considering the considerable time I 've taken to resolve it and the rudeness of some Citicard representatives. 

Most recently, I spoke today with a Citicard supervisor, " XXXX '', ( employe id # XXXX ) who was rude and in need of retraining in communicating with 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 monetary relief
Consumer complaint received 2015-03-23 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
For my Citi Card account, I never gave authorization to go paperless. But Citi stop sending paper statements from XXXX 2014. As consequences I missed a payment of {$69.00} then being charged late fee of {$130.00} in following months. I request that you to investigate this issue, and Citi should refund the {$130.00} and remove related information for my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-14 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
In XXXX I received a notice from Macy 's American Express that my account was overdrawn. Knowing that I had not used the card since the original purchases I made when I opened the account more than a year ago, I contacted them and reported the fraudulent charges. It was a frustrating phone call and process - which took about 45 minutes. When I received the fraud packet in the mail a few weeks later, I completed and faxed all requested information back to the company as directed, two weeks prior to the deadline. For the last 4 weeks, I have been unable to successfully speak with the fraud department or anyone on behalf of Macy 's American Express to determine where they are in the investigation. Every time I call, it says that the office is now closed ( I have tried through out the day, up to 10 times or more a day ) or I am rerouted to someone in collections and it takes a long time to explain that I am not delinquent on the account or going to make a payment on it because I am not responsible for the charges. I am getting harassing collections calls daily. I have explained that the charges were fraudulent and the I have filed a claim but the calls have not stopped and the callers do n't listen to what I am saying but instead ask me to make a payment. I am very clear in explaining why I 'm not making a payment. Finally, after long wait times and having to insist several times that I need to speak with the fraud department, I was transferred to a woman in fraud prevention ( note prevention, not investigation ) who explained that they recently converted to a new phone and computer system and she could n't see any record of my filing the complaint, but said not to worry because it was probably part of a 4 week back log in the department. I asked her what I could do about the collections calls because I am concerned about my credit. I said that it would seem that the system they use does not " share '' information in a way that would prevent the harassing phone calls while a fraud claim was under investigation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-17 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am writing to dispute a billing error in the amount of {$0.00} dollars on my account. The amount is inaccurate because, I returned a dress and Macys did n't credit my account. I was charged late fees because according to them I had a balance. When I called them they did n't help me. I was unemployed at the time due to the fact that I was fired during my maternity leave. Due to my post partum situation my doctor said not to deal with that because it was too much stress. Macys violated my rights by ignoring my request to correct the accounting error, and refunding the item on my Macys Credit Card. This would have made my account at a XXXX Balance and not resulting in any payment due. Now Macy 's continue to report negative errors to the Credit Bureau 's. I have tried to call them meny times they have poor customer service. If they would the actually time and look at their bill statement they would see the error.

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 2016-08-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
complaint against Citimortgage , Inc who refused to give me a fair appeal process after loan modification denial. Citimortgage sent notification to me on XXXX/XXXX/16 stating all foreclosure activity would be stopped until determination was made on my loan modification request. Short Sale was scheduled for XXXX/XXXX/16. No call nor notification was received from Citimortgage, nor my Citi mortgage rep, Nor Citi 's lawyer to state the short sale was stopped. My personal rep kept calling Citimortgage for 3 days with no avail ; finally, on XXXX/XXXX/16 after calling Citi for XXXX hours she finally spoke to a manager to ask about the stop of the short sale, noone could give and answer. I had to take a day off from work to personally go to the sheriff dept to adjourn the short sale on XXXX/XXXX/16. Later, my rep got another manager who said the loan modification was denied. My personal rep requested the denial letter and the terms for the appeal process. She was told the denial was not generated from the system as yet and noone know what the letter states. We had to wait for the denial letter. She made an appointment to speak with the Citi rep handling my file who took 2 days to have a phone conversation in regards to a sensitive matter. On XXXX/XXXX/16 my personal rep spoke to my citi rep who would not give a reason for the denial, since the denial letter had not been received. She also request the appeal process guideline requirements and questioned Citi as to why the short sale wasnt stopped during the review process. She was simple told the Citi will not stop the sale. The same evening of XXXX/XXXX/16 my Citi mortgage assistant rep XXXX XXXX sent me an email ( after normal business hours ) requesting additional documentation, pay stubs, etc, to be submitted to the underwriters because of the impending sale date. I was asked to upload all requested documents to my file by XXXX/XXXX/16. Giving only a few hours to turn in documents for a appeal. The original denial letter was now received on XXXX/XXXX/16 which states my income wasnt enough to modify. However, the income stated as documented was only XXXX of my actual income and my rental income was n't considered.. On XXXX/XXXX/16 I received a letter dated XXXX/XXXX/16 saying all my documents are in review. I 'm not sure if the letter is based on the new documents requested in the unfair appeal timeline or an generically generated letter. This has been an extremely extremely stressful process with Citimortgage and their process that cause undue stress on me and my family..

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 2016-06-09 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
In XXXX 2016, I was prompted 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 {$400.00} in gift cards as stated in the terms and conditions I received when opening this account. 
After enrolling with the promotion code, I contacted Citi and received confirmation that the offer was attached to my account. 
On XXXX XXXX, 2016, I confirmed with Citi that I fulfilled all terms of the offer and to expect my bonus on or before XXXX XXXX, 2016. On XXXX XXXX, 2016, I did not receive my bonus points as promised. 
On XXXX XXXX, 2016, I initiated an online chat via the Citibank website 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. Case number XXXX. 
On XXXX XXXX, 2016, 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. '' On XXXX XXXX, 2016, I appealed this denial, citing written confirmation from Citi that : The promotional offer is attached to my account and ; I qualified for the promotion and ; I met all requirements to receive my bonus. 
On XXXX XXXX, 2016 XXXX at a Citi customer service center informed me that the offer in question requires the original bonus mail insert, which would have been sent out 6-8 months ago. 
It was explained to me that the original insert is required to prove I qualified for this offer, despite numerous interactions with representatives who assured me I have qualified and met all requirements to receive my bonus. I disposed of this mailer after opening my account, and it is unreasonable to expect customers to keep old advertisements for over 6 months. 
On XXXX XXXX, 2016, My appeal was denied. I appealed again. 
On XXXX XXXX, 2016, XXXX at the Citigold customer service department acknowledged my appeals and attempted to submit my case to the Escalations Unit. She apologized for my experiences and said that many other clients are in the same situation. 




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. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-06 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Advance America, Cash Advance Centers, Inc.
State: WI

Complaint narrative:
i called and talked to someone there and told them i am taking care of my XXXX year old grandma with XXXX from XXXX everyday right now. i JUST found out my XXXX year old brother has XXXX XXXX XXXX and will be in a XXXX within a month, and i am a victim of identity theft for a 2nd time per the feds since XX/XX/XXXX i also explained this to someone there. no matter what i tell them its " I GOT TA HAVE IT NOW, NOW, NOW!!!!!!! '' I JUST NEED THEM TO STOP CALLING ME MULTIPLE TIMES A DAY AND COMING TO HOME AND CALLING MY FAMILY. this a VERY difficult time right now. and per my doctors orders NO PHONE CALLS until i see him next. XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-14 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
On XXXX XXXX, 2016 I found out that CITI bank illegally charged me {$280.00} from my personal savings plus acct. I had already filed a complaint against CITI bank per my previous complaint for total XXXX different issues including fraud, unsafe deposit, fail to pay promotional bonus {$900.00} and thank you points XXXX, illegally put XXXX charges each for {$64.00} to my savings plus acct which never occured any monthly fee before. Plus a {$25.00} fee due to theft and unsafe deposit happened transfer fee. 
I can not stand CITI bank illegally charged me another {$280.00}. This bank never brought me any benefits but all losses, harassment, extremely unpleasant bank experience. I am asking this bank to return my money {$280.00} immediately.

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 2016-07-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
I have sent CFPB a complain early this year, case number XXXX and XXXX, regarding my mortgage modification with XXXX XXXX XXXX and Seterus. XXXX gave me a modification on XXXX XXXX, but then the loan servicer transferred to Seterus after that. I have paid all the XXXX required payment to make the offer final. However. Seterus starting to return my payment from XXXX XXXX, I was not able to get a solution, which forced me to contact CFPB. Now, after a whole year of struggle, I have got a Seterus offer, however there are substantial difference which I want answer but not get yet. 
I have talked to XXXX XXXX ( loan owner ) and Setetus, but was told that I had better to sign the contract otherwise it will be void and I will have to go through the whole process again. 
The new offer did not even give me a full account of how the total amount of the loan is calculated, why there are substantial difference between the terms and conditions of the XX/XX/XXXX and XX/XX/XXXX one. This loan is going to be with me for 40 years. How can I be expected to sign something that is not clear to me? I have got a letter recently from Seterus, in the letter Seterus admitted that there are errors in calculate the loan amount. How can I be expected to sign it when the offerer already knew something is wrong in the offer, and not yet correct it? 
My concern is that the deadline of this offer is XXXX/XXXX/XXXX, which is 7 days later. Although I have a written question list sent to Seterus, I have not get any answer yet. Although Seterus admitted that its offer has errors, it has not corrected it. My XXXX payment to the offer is been returned by Seterus, just as my XXXX payments to Seterus. All these evidence signaled me that Seterus did not really want to give me an offer as the one XXXX gave me. Seterus just wanted to appear that they gave me an offer! All they want is to have me to start the whole process again and force me to pay a lot more than what I have been offered now!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
XXXX XXXX XXXX Continues to come to my home looking for someone who does not live in the house knowing he does not live with us. Bangs heavily on the door and sits in his car watching the house. Now they are taping things to my door.

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