vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-25 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Back in 2015 ( XXXX XXXX ) we had contacted XXXX and citimortage to tell them we needed to do a loan modification. We were denied twice. We tried our best to make payments the best we could. After that we had put the condo on the market to try and sell it. We received a offer for a short sale one back declined or one accepted. We then got a second offer and it was still declined. We filed for a deed in lieu and of course that 's was denied. We have tried to be honest good people and ca n't seem to get rid of this property we can not afford. More fees are being adddd on to thibgs this issue has been dragging on for awhile. We need help these lenders are not willing to work with us. I have had sch appointments with my account manager at XXXX and then after taking the time to behome for them the account manager is to busy. The citi mortgage account manager she never replies to my emails. What are we to do?

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 2015-07-20 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Debt collector contacted my place of employment and told them that they would take legal action against me if i did not get the message to call them by the end of the day ... Also gave them a case #. The debt is from XX/XX/XXXX ... statue of limitations has passed in XX/XX/XXXX. They contacted me today and told me that they would be delivering court papers to my resident and my employer and told me they have already contacted my supervisor about the procedures of coming onto property. I see this as scare tactics.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-21 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
During XXXX XXXX my wife experienced several XXXX and I spent more tie in the hospital than home. Also, please keep in mind I pay my bills on time every month using my bill pay program through the XXXX XXXX XXXX. During this time apparently Best Buy transferred all financial dealings to Cti Financial/Citibank XXXX. When they did the account transfer I found out it only included my address, no email information or telephone number. Without being advised when I purchased the stove from Best Buiy the financing was for 18 months only and if the loan was not paid the financing was redone including all the interest not collected and increased my monthly payment from {$33.00} to {$45.00} monthly. 
I received a mailed notice from CTI that I amd late with my payments. I call in and told my account was fine and I never missed a payment so forget about The next month I receive another notice saying that I owe {$270.00} in late charges because I did n't make the complete payment. It is at this time I found out about the refinancing. My argument is that you NEVER notified me so please eliminate the late charges. It is then I am told things like I am stupid and delinquent on my payments. I asked for a supervisor and am told that they can not hear me and to all back never to get the same person etc. 
I was told that I am on email billing and that I signed to do such which I would never do because of confsion such as this. 
I then receive a letter from Citibank/USA dated XXXX XXXX, XXXX. They are willing to save up to XXXX and let me pay off the financing for {$1000.00}. Quite pleased with the offer as it me back to square XXXX and eliminate the XXXX in late charges and the refinancing scheme that they applied. I called and told the agent we wanted to pay the refinanced amount they offered, The agent said " just how will you pay this off? I told the that I felt it was none of their business but the money will be sent immediately. I was then told that the ofer is off as I can not tell them where I am going to get the money. Once again I asked to speak a supervisor and told that one will call back within 24 hours and it has never happened.

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 2015-08-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
where to begin with citimortgage home mortgage. first in 2012 i recieved a phone call from a citi employee that left me a voice mail an called me a XXXX. i kept that voicemaile up until this year. then we were doing what we thought was a harp refinance but citi called it hamp. we had to pay XXXX dollars to start this.plus we were never told through the whole 9 months of this hamp refi that they were reporting to the credit bureaus missed payments for 11 months which killed our credit. ive been through heck with this company for years i cant get away from them for all the credit damage they did.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have had fraudulent activities on my Citi bank Credit Card account. They have failed to assist me. They are supporting criminals/fraud operators, making derogatory comments, the most unethical and unprofessional language. I was harassed on the phone and cursed me. Upon request proof will be provided. 
Citi Bank needs to dispute those fraud charges and has to obey my country`s laws and regulations. Citi Bank STOP the crime!!!! Stop supporting Criminals and terror operators!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
CitiMortgage denied request for modification stating : " Threre was an irreconcilable discrepancy within your application request. '' CitiMortgage is not providing additional information and we have only been reviewed for Citi Supplemental Modification Program. The denial letter was dated XXXX/XXXX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
There is a {$650.00} XXXX phone offer on my Citi AT & T access credit card. After all the requirements were met, I still did n't get the reimbursement after more than three months. First of all, I, as a client, have met all the requirements specified in the offer. I have contacted the customer service for more than three times and each time they told me that all the requirements were met and I just need to wait for up to three months. I have a screen shot for the chatting history to prove my words. Such long time period already violated the longest waiting time written in the phone offer. Moreover, I called Citi bank today and they asked for the receipt of buying that phone for reimbursement. But the offer agreement did n't show that the customer should keep the receipt. It is already more than three months and I could n't find the receipt.

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 2016-07-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Media Collections, Inc
State: IN

Complaint narrative:
XXXX XXXX IS COLLECTING A DEBT THAT WAS SOLD TO ANOTHER COLLECTION AGENCY : JOSEPH MANN & CREED, XXXX ACCOUNT XXXX, XXXX # XXXX IN THE AMOUNT OF {$1100.00}. DATED XXXX/XXXX/2016 SEE ATTACHED. 

ALSO, REQUESTING FRAUDULENT COMPLIANT/CLAIM/DISPUTE FORM FROM 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 2016-11-29 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I was caught up in a gift card scam in XX/XX/2016. The scamming company would pay off my credit card and then I was to use their funds from paying off my credit card to purchase the gift cards. I used my Citibank Mastercard to purchase the gift cards. I received confirmation # XXXX ( XX/XX/2016 ) saying my initial balance ( {$2100.00} ) had been paid off so I purchased {$2100.00} in gift cards. I received confirmation # XXXX ( XX/XX/2016 ) for the XXXX credit card balance pay off amount ( {$10000.00} ) so I purchased and additional {$7800.00} in gift cards. I received confirmation # XXXX ( XXXX/XXXX/16 ) for the 3rd balance pay off ( {$6100.00} ) so I purchased an additional {$2000.00} in gift cards. In all cases, I did not turn over the gift cards to the scamming company until I received the confirmation from Citibank that the funds had been received. I verified with Citibank multiple time that the funds had been received. I was told by customer service rep XXXX, in the AZ office, that once I have a confirmation # and the status says credited that the funds have been received and applied to my account. At that point, I released the gift cards to the scamming company. The funds were supposed to be transferred from XXXX Bank. There were 3 separate transactions as specified above, where I received confirmation numbers about the funds being received from XXXX. Once the 3rd transaction took place, the scamming company reversed all of the payments. I was told multiple time by different Reps that once I have a confirmation number the funds were received I had nothing to worry about. Unfortunately, I took the other reps at their word so I did not capture their names. In total, I was scammed out of {$11000.00} because of the mis-information I was given by Citibank. Plus, I was also charged and additional {$54.00} in return fees. I tried to resolve this issue with multiple times with Citibank but to no avail. I would simply like to be reimbursed by Citibank for the amount I lost ( {$11000.00} ) due to the mis-information I was given by their reps.

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 2016-02-09 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I have submitted cases against Citibank previously since XX/XX/XXXX. Unfortunately Citibank continues to keep disrespecting me, causing my payments to continue, continue and continue.The closed account I 'm paying on is XXXX. 

Since I have a new computer the scanning mechanism is not working yet. Citibank lost XXXX of my fall payments XX/XX/XXXX. I faxed copies of the checks they cashed on XXXX XXXX, XXXX. To date they still have not recovered the lost check ( s ). Citibank and I had reached an agreement to settle the account in now in XXXX XXXX, but due to the lost checks that wo n't happen. 
In XXXX XXXX I had to fax the copies of the checks to the XXXX Investigation Unit. They were not found. Now I was told to contact the Office of the President of Citicorp Credit Services re : the lost XX/XX/XXXX and XXXX XXXX payments which are {$130.00}. I want them out of my life, but Citi continues to keep me dangling. Why Citibank?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I HAD FORECLOSURE COMPLETED ON XXXX/XXXX/2009 FROM XXXX XXXX. IN ADDITION I HAD A XXXX MORTGAGE THAT WAS INITIATED AT TIME OF PURCHASE WITH CITIBANK FOR {$20000.00}. THE XXXX MORTGAGE IS STILL ON MY CREDIT REPORT AND BEING REPORTED AS A NEGATIVE ACCOUNT AND BALANCE DUE OF {$19000.00}. I WOULD LIKE THIS ACCOUNT TO REFLECT A {$0.00} BALANCE AS IT IS RELATED TO MY FORECLOSURE. THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-24 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Dear Sir/Madam, I am writing with reference to a recent incidence that occur during my telephone conversation with a Citi customer service agent regarding my Citi Access More credit card ( ending XXXX ), on XXXX XXXX, 2016. I was requesting the customer service agent to apply a decrease in cash advance limit to my account. However, the agent had misinterpreted my request and thought I asked for a credit line increase, and went ahead to initiate a hard pull on my credit report, erroneously, and without my permission. This inquiry is currently showing up on my XXXX credit report. 
This action was unacceptable as ( 1 ) I did not request for a credit line increase, and ( 2 ) I did not authorized to have hard pull inquiry performed. I have since complained about it in a subsequent phone call and was told that the matter was escalated to a supervisor, and was promised a call back within 24 hours. So far, I have heard nothing. 
I am submitting this complaint to CFPB and requesting for an immediate resolution to this matter. I want Citi to ( 1 ) retract the hard pull inquiry so that it is removed from my XXXX credit report, ( 2 ) tender an apology and ( 3 ) apply courtesy points adjustment to my Citi Access More account, for the distress caused. 
Thank you in advance, and I look forward to receiving a resolution to this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX, 2016

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 2016-07-05 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
XX/XX/XXXX I applied for a Citigold account online and due to issues experienced I subsequently continued the application process over the phone to which I was approved. During both the application and new account setup process I confirmed multiple times I was eligible for the promotion provided with the application. I completed all the promotional requirements in XX/XX/XXXX. I sent a secure message to confirm if I had met all promotional requirements to which I received a response from a XXXX XXXX XXXX stating in part " As per the details of your message you have met the requirements for the promotion for XXXX bonus miles. Thank you. 

The fulfillment terms for the promotion states " The bonus miles will be credited to your existing XXXX member account within 90 days from the end of the statement period in which you complete all offer requirements. '' To set your expectations, if all requirements were completed on the statement cycle that will end on XXXX/XXXX/XXXX, then the bonus miles will be credited by XXXX/XXXX/XXXX and will reflect during the month of XXXX XXXX. '' I waited until XXXX XXXX and still had not received the promotional bonus of XXXX XXXX miles to my AAdvantage account. I initiated an inquiry asking why I still had not received my points to which Citi responded stating an investigation had been opened. I have just received the results of Citibank Service request XXXX to which they have stated I am all of a sudden not eligible. This response, in my opinion, indicates Citibank agents knowingly promote false answers to obtain new accounts given the experience I had throughout the application and new account setup process with the multiple confirmations of eligibility and subsequent confirmation of having met the requirements XX/XX/XXXX only to deny this promotion after the fact. 
I would like Citibank to honor their promise of the XXXX XXXX miles to my AAdvantage account or I will be forced to shut down this account as I certainly can not bank with an entity that I have now lost trust and faith in their verbal and written words. 

Thank you for your time and assisting in these matters.

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 2016-10-05 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I paid off my card and emailed customer service. They told me to pay the final balance which I did but they kept charging me fees which caused my credit score to be lowered by XXXX points. 
XXXX XXXX, 2016 XXXX ET so is my account closed or is there still a balance owed? 
Customer Service XXXX XXXX, 2016 XXXX XXXX ET Thank you for taking the time to respond to our most recent reply. It 's my pleasure to assist you with your request. 
Our records indicate that your account was closed on XXXX/XXXX/2016 and you have a remaining balance of {$6.00}. Your payment due date is on XXXX/XXXX/2016. You can make a payment through online or by calling our Customer Service at the phone number listed below. 
If you have further questions or comments, please contact Macy 's Credit Customer Service online at http : //www.macys.com by selecting Macy 's Credit Card , or by telephone Monday through Saturday XXXX and Sunday XXXX at XXXX. 
Sincerely, XXXX XXXX. 
Macy 's Credit Customer Service www.macys.com Now you can pay your bill on-line at http : //www.macys.com/mymacyscard

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 2015-03-26 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated committed crime not paying
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I have been called numerous times in the past couple months. Each time I say yes I want to take care of any outstanding debts but I would like more information on who is contacting me. They just say they are working with the collection agency. Now I am being contacting by a XXXX XXXX and she said I have XXXX and I am going to be summoned at work or at home for fraud and breaking a contract. She gave me a case number. I called the court house in my county and I do not have any charges against me and that the court house does not issue a case # with out having it in the system. The courts said it is a scam

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received an offer through CitiBank for XXXX XXXX XXXX miles for signing up for their CitiGold Checking Account and fulfilling certain requirements. I went through the necessary steps, speaking with their customer service representatives to ensure the account was correctly setup and qualified. I was assured it was. Upon completion of all their requirements, I did speak again with customer service to confirm with them that all requirements had been fulfilled and would be granted the promotion. The customer service representative confirmed for me that all requirements had been fulfilled and I could expect the promotion miles to be credited in my XXXX XXXX miles account on XXXX XXXX, 2016. On XXXX XXXX, 2016 I had not received the miles. I again contacted customer support, at which point they confirmed yet again that all requirements had been fulfilled. They then said to expect the miles by the end of the business day but opened a service request to ensure that this was being done and I would have a response from them in 24-48 hours. Today, XXXX XXXX, 2016 I finally received said response to the service request informing me that I would not be receiving the promotional mileage because " there was not an AAdvantage Mileage promotion offered in conjunction with the opening of your account. '' This has been a very clear bait and switch, particularly after numerous attempts to confirm with their team that the offer had qualified.

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 2015-04-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
Good evening. 

My Fiance and I have been mortgage holder to a loan being services by Seterus , inc . Through the course their servicing the loan we have experienced instances where there were over payments to the account through payments into escrow, when we inquired about an analysis of the file, Seterus would either stall or not call us back. 

We were on a plan to refinance our mortgage, one month there was an oversight and the payment was not made on the due date. When we logged into the system to make the months payment we realized it and made the double payment. Seterus did not contact us by call or email to let us know that the payment was not received. When we pressed on about the amortization of the loan, they sent us a check for XXXX with no letter explaining why there was so much money in the account. 

Our position is that seterus prays on the loan holders and works it so that refinancing is not possible due to the late payments, this is predatory and a unfair practice. If there is an overage, why did they report us to the credit bureaus. 

We filed a complaint with the better business bureau and the Florida State attorney. 

Please help us.

Company response to consumer: Closed with explanation