vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I have a Veterans Administration mortgage with Citi mortgage with an principal and interest amount of {$2400.00} and an escrow amount of {$1000.00} totaling {$3400.00}. 
XX/XX/XXXX we received statement that our payment would be increasing to {$3600.00}. This increase is driven by a new escrow amount of {$110000.00}. This amount seemed odd as our insurance had decreased year over year and our taxes were set to decrease for 2017 as well. At the very least we knew everything would stay the same and that escrow would not need to increase, especially in excess o {$1500.00} per year. 
We continued to make our payment of {$340000.00} on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. We had reached out to Citi to get an analysis of the escrow to figure out why it increased. Additionally, in XX/XX/XXXX and XX/XX/XXXX despite having made our payment we were hit with a late fee of {$96.00}. XX/XX/XXXX we finally received an escrow analysis statement and it was factually inaccurate. Additionally, we explained the situation and requested that our late fees be waived since we continued to make payments on time. In looking at our statements the principal and interest we had paid on monthly basis were not applied appropriately to continue the proper amortization despite the fact that principal and interest was fully paid. When we asked specifically about credit bureau reporting we were told that there would not be any since P & I was paid. This turned out to be false information as on XX/XX/XXXX I received notice through my credit bureau monitoring that Citi indeed reported a 30 day late notice. 
I called Citi to file a complaint and they indicated that they were right to file the report despite the fact that we had requested documentation, had been in contact several time and most importantly made timely payments as we had for the last 2.5 years. Upon further discussion it was found that the escrow amount that they are charging was indeed inaccurate and required for sure XXXX adjustment and potentially another once the tax records are reviewed. Essentially meaning that even the XXXX payment may have led to an overage instead of a shortage, basically that by paying XXXX I was not submitting an incomplete payment but an over payment

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 2015-09-24 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
My Citicard balance was sent to me via email and it did not look right. It was {$1000.00} more than it should have been. I tried to access my account and it did not let me in. 
I called the fraud unit and got a run-around since I do not have a telephone with an account plan. We just got a US pay-as-you-go cellphone. Most importantly, I just returned to the US after 10 1/2 months in XXXX where we keep our sailboat. The credit card company knew we were in XXXX XXXX XXXX XXXX and that I used that card to pay the marina charges. I also told them of other recent travel charges that could be on the card. They would not give me any information, implying that I might not be the card 's owner. They still insisted they were protecting the card holder. Well, that 's me! My husband and I are retired and in our XXXX, living on our XXXX sailboat, now in XXXX. We returned to the US on XXXX XXXX, 2015. My internet access in the US is better than in XXXX. I immediately sent a letter to CitiCard complaining about the service. If I could learn of the unwanted charges, I might be able to determine who had access to the card number,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
My American Express Macy 's credit card failed to send me any sort of invoice or bill for purchases I made on the card. Then then charged me XXXX late fees and ultimately reported the account as delinquent to the XXXX credit company which brought down my credit score and caused me to be denied a loan. When I contacted them they said I was set up for " electronic billing '' but they did not have my email address. I never signed up for electronic billing, so I do n't know why they would say that. Also, they have my home address, so if they did n't have my email, they could have sent a bill there. I had to pay over {$100.00} in late fees and it ruined my credit score, cost me a car loan, and took hours out of my life trying to get it resolved. I have never not paid a bill in my life. If they had sent me a bill, I would have paid it, but I had no idea there was an outstanding balance because they did not notify me. I spoke with multiple representatives, waited hours on hold, and no one has been able to help me. I was told someone was going to contact me to resolve this, but it has been a week and I have heard nothing.

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 2015-03-27 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX and huband name is XXXX XXXX XXXX I am filing complaint regarding a finanical company, name OneMain Finanical XXXX address XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX their phone number XXXX they have an account which they are telling us it our account the account number is XXXX open XX/XX/XXXX, joint account installment account loan type is unserured. I have a company name XXXX XXXX which is helping us and they have send letters on our behalf. The company information is ( C ) XXXX XXXX XXXX ( R ). All rights reserved. XXXX XXXX XXXX, Attorney at Law, XXXX XXXX XXXX XXXX, and of counsel attorneys. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Utah, XXXX of Use Privacy Policy Email Preferences. Credit Access. 
Attorney XXXX, phone number XXXX. My email is how they find our information and verified is I who is calling my husband have his own account with the XXXX XXXX XXXX, it with my email. XXXXXXXXXXXX my address XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX, my phone number is XXXX, birthday XX/XX/XXXX. My complaint is that this company is accusing us of owning XXXX the high balance is {$17000.00} from XX/XX/XXXX to XX/XX/XXXX pay status is a charge off the account number they have on file is XXXX. XXXX XXXX have wrote letters at least every sixty day since XX/XX/XXXX. They have send us letters refusing to take this the credit report off our credit bureaus, because they have tell me that all XXXX credit reporting agencies have the same information. Now from my understanding it is the company that report to these credit agencies, XXXX, XXXX and XXXX so that is not correct statement since, OneMain Financial reported this information to the credit agencies. I truely do not know this company and never dealt with them that I am aware of. I and my husband need help under credit laws that said this have to be an accurate reporting and this company have not given correct information. The XXXX Lax company have did every thing under law to help us. Please help us. Thank You for whatever you can do to bring the truth to light.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I opened an Citigold account at a Citibank branch with a promotion code XXXX for XXXX AA miles. Not only they sent my debit card and check to the wrong address for three times which caused I could n't use my debit card for XXXX month, but they also denied the XXXX AA miles after I have done the requirement. In addition, they are happy to charge me the monthly fee but not giving me the miles I should get. It is totally unacceptable.

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 2015-09-28 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citibank closed our Citibank MasterCard account for non usage. I had the Citibank account for nearly 10 years with a $ XXXX credit limit. Called them immediately and requested they reopen the account and they said they would process my request. A few days later I received a phone call from an XXXX number that I did not answer because I did not recognize the number and there was no caller ID attached to it. Apparently it was Citibank calling to verify my identity as they had pulled a hard inquiry on my XXXX credit report requiring they confirm my identity as per the fraud alert noted on my account. I have maintained fraud alerts with the credit bureaus for 15 years due to identity theft. When I called Citibank a few days later to check on the status of my request, they informed me it was denied because they could not confirm my identity. I explained the reason I did not answer their unidentified phone call and they said they would reprocess my request to reopen the account. A week or so later I received a letter stating my request had again been denied. This time the reason for denial stated " your credit report shows your balances are too high for the income that you reported ''. My retirement income, as reported, is over $ XXXX annually after taxes, I carry over " {$0.00} '' balances on my credit cards and my FICO credit score as of XXXX 2015 is XXXX. The only long term outstanding loan I have open with a balance is a low interest Home Equity Line of Credit on which I purchased a new car 3 years ago. Otherwise, we have no outstanding debt, pay our bills on time, never late ... not once in over 20 years, and have a substantial retirement income. Not only did they deny my request to reopen my CC account, which may lower my good credit score, they also pulled XXXX hard inquiries on my credit report within days of each other, further damaging my credit score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Bank cashed a check with no endorsement or tracking information. Bank cashed check on XXXX XXXX. I ask for a copy of the check, when the party to whom it was written informed me that he had not gotten it. I received a copy of the check XXXX XXXX. 
XXXX XXXX, I called Citibank to inform them of the fraud. I received a complaint number, and was told that an affidavit would be sent by mail. I called many times, because I received no affidavit. On XXXX XXXX I was told I could go to any branch and fill out an affidavit. XXXX XXXX I did so. XXXX XXXX I called Citibank for an update and was told they did not receive the affidavit from the branch. They say they are sending the affidavit again by mail. They say this could take 90 days to resolve. Why? This was my rent check.

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 2016-07-24 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I signed up for a Citi Gold account online and entered promotion code XXXX. where I would receive XXXX XXXX XXXX bonus miles points after completing certain requirements. On XXXX/XXXX/XXXX, I received a letter from Citibank confirming that that the promotion offer is attached to my application and confirming that I would receive eligible for the bonus. This lead me to finalize the application and agree to open this premium account. I 've since completed the requirements to receive the bonus and I have kept XXXX with Citigold account so that I am not charged with monthly fees associated with the account. 
A follow up email and phone call with Citibank confirmed that the previously stated requirements were met. Citibank sent me an email on XXXX/XXXX/XXXX stating that I have meet ALL the requirements for the promotion and have asked me to wait for 30-90 days for the points to added to my AA accounts. Now, after confirming this promotion was applied to my account, confirming that I had met the requirements, and confirming that the points would be deposited, Citi has not add the AA bonus miles points to my AA account. I believe Citibank is behaving on unethical business practices by not fulfilling their end of a business agreement and purposefully and/or negligently misleading 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 explanation
Consumer complaint received 2016-04-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MN

Complaint narrative:
I have received a NOTICE OF DEFAULT AND INTENT TO ACCELERATE from the mortgage servicer Bayview Loan Servicing , LLC . 
The letter claims I have a mortgage that is behind {$13000.00} I submit I have no mortgage for the following reasons : 1. I received on XXXX XXXX a CHANGE OF CREDITOR letter from Bayview ; it states the new creditor is XXXX, with an address of XXXX XXXX XXXX, XXXX XXXX, MN XXXX, XXXX - See Exhibit A. 
2. This address and phone number belong to XXXX BANK. See Exhibit B 3. I visited said address and XXXX BANK disavows any knowledge of " XXXX '' and of XXXX XXXX in any of their records. 
4. A search of the SECURITIES AND EXCHANGE COMMISION database reveals that the true address of " XXXX '' is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FLORIDA XXXX ( XXXX ) XXXX. This is the address of " Bayview Loan Servicing '' and " Bayview Asset Management ''. * See Exhibit C. 
5. A search of the XXXX system shows that mortgage MIN XXXX ; its present status is INACTIVE. This means this loan was " written off/ discharged '' and " transferred out of the XXXX system ''. See Exhibit D. 
6. The XXXX system lists XXXX BANK as " Trustee ''. A TRUSTEE is NOT a BENEFICIARY, which would be the true owner. 
7. Cleared checks show that all monies went into Bayview 's accounts and some checks have the statement " Bayview for Deposit Only '' crossed off. See Exhibit F. 
8. By their own boilerplate text, Bayview Loan Servicing is a debt collector, NOT A LENDER, NOT A CREDITOR, NOT A FINANCIAL INSTITUTION. See Exhibit K XXXX. XXXX XXXX records show irregularities : See Exhibit XXXX -The original note with Decision XXXX has been recorded but all following assignments are missing ; the note was transferred to XXXX XXXX See Exhibit G. 
-After XXXX XXXX the loan was transferred to XXXX who modified it to a fixed rate, See Exhibit H. 
-The County representative interpreted the records for me and indicated Bayview Loan Servicing , LLC . Had bought the Decision XXXX document XXXX - I can not see how since Decision XXXX shutdown in XXXX. XXXX XXXX XXXX & XXXX. 
10. As it stands, I HAVE NO MORTGAGE with any LENDER IN THE XXXX XXXX or POLITICAL TERRITORIES. 
XXXX The above facts could be construed to demonstrate mortgage fraud by Bayview Loan Servicing XXXX at a minimum they clearly demonstrate that at no time did we owe Bayview any money. Therefore, since the alleged mortgage was written off and Bayview never had any rights to demand money from me, I demand Bayview Loan Servicing should immediately reimburse me {$7900.00}, which are the monies they unlawfully extracted from me after XXXX XXXX, XXXX. * *Exhibit XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: HW Holding, Inc
State: IN

Complaint narrative:
None of the above described my issue. I am filing a complaint on a company, XXXX, for a debt I owe from XX/XX/2011 I was evicted, therefore causing me problems in getting a place to live. I want to pay the debt and have this removed from my credit so I can finally get a home/apartment. I already filed a complaint with the Attorney General and my issue was not resolved. The company will not send me a letter via mail regarding settlement amount etc, also they had stated in the letter via email, which I am not sure is even legal, I had to pay the same day by XXXX XXXX via credit card only. I would like to pay my settlement amount via Cashier 's Check or Certified Money Order. This option was not given to me, nor were they able to meet my request for a letter stating specific terms. Every other company I have paid recent debts to has sent me every letter I have requested and has been very kind. Below you will see what I am asking for.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Late fee charged on an account that was not behind in payments.

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 2016-01-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
When my income changed I went to my mortgage company, Citifinancial, and asked for help. I asked that they work with us until I was again employed and could make my payments normal again. They claimed to be looking into what they could do for us and ended up doing nothing. We ended up about 5 months behind. We made those payments and still have no idea how much extra interest we paid. While dealing with them we became aware of some mistakes on our mortgage information. We contacted Citifinancial about this and again we were given the run-around. We asked over and over for information to prove the mistakes and never received the information. We received a letter telling us, we thought, that another office would be handling our mortgage. Turns out they sold our mortgage without taking care of the issues. Now the new company has been told we did not have our payments up to date and are refusing to apply our payments until we catch up the missed payments. We are now three months behind, our mortgage balance is still not right and again are being charged extra interest. This is only the tip of the iceberg that is the problems we are having. Can you help us?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Aspen Yo LLC
State: MD

Complaint narrative:
Today at XXXX My name is XXXX XXXX owner of property located at XXXX XXXX XXXX XXXX XXXX Maryland XXXX the county XXXX XXXX County. The name of my servicer is Greggory Funding LLC and my loan number is XXXX. In RE : Estate of XXXX XXXX XXXX. I am filing this complaint due to Mortgage Fraud, Negligent Lending, Breach of Good Faith and Fair Dealing and Breach of Fiduciary Duty. 1 ) I have been denied mortgage relief for the last XXXX. 2 ) I have n't received any meaningful temporary or permanent mortgage assistance in the last 24 months, servicer keeps increasing the late fees and penalties associated with my account yet refuse to offer mortgage assistance programs. 3 ) Lender is clearly steering me into foreclosure because they tell me the only option available is for me to pay arrears in one lump sum payment. I am approximately 65 months behind on my mortgage, how do they suppose I come up with that kind of money? Surely this can not be my only option, is it? 4 ) My lender has scheduled a Foreclosure Sale Date XXXX/XXXX/2016. I stopped it with a Chapter XXXX Bankruptcy I demand that lender halt any and all foreclosure activity in order to review and resolve this complaint in a manner suitable to both parties. 5 ) I believe a proper resolution will be to lower my payment to something reasonable I can afford on a monthly basis. 6 ) I asked Greggory Funding LLC for Proof of Claim showing that they have something that I signed showing or made a consideration for owing a debt to them I got nothing showing the debt they said I owed them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 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:
I feel I have had many overdraft fees do to misleading overdraft fee protection practices. This caused my funds to be low and many overdraft fees attached to my acct. since circa 1994. I adamantly feel that money has been taken out of my acct. little by little, damaging my credit scores and leaving me feeling helpless. I am glad Citibank is being held responsible and expect a sizable check in the near future! 
Frustratingly yours, XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am receiving calls at least XXXX times a day/night for my brother in law 's outstanding debt of {$48.00}. When they call they are looking for XXXX. I have told them over two months this is not XXXX home and to stop calling.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-27 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I went to purchase some items at Home Depot in XX/XX/XXXX and made a Home Depot staff at check out who offered me a credit card with a promotion value worth $ XXXX {$40.00} discount on my purchase. I refused and offered to pay and leave but she insisted. I obliged her but after applying for the credit card she applied the discount of {$40.00} and I paid the remaining amount at the desk. 

I did not get any credit card subsequently and did not make use of any credit card from Home Depot. However, I got this bill for {$240.00} on the XX/XX/XXXX. I called the number stated in the bill to clarify and I understood that the card is issued by Citi Bank. I was not satisfied by the response of the customer services rep I spoke to therefore I went to the Home Depot Store that offered me the credit card. They promptly discharged me by telling me that it is none of their business. I need to get this bill cancelled as I did not get any credit card neither have I made any purchase through a home depot credit card. My understanding is that the discount applied at the day I made the purchase was a promotional discount. I also do not want to take any credit card from Home Depot neither do I need a citi bank credit card at the moment.

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