vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-23 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
There is a late payment in my credit report dated XXXX 2015 ( 30 days ) from SEARS/CBNA. 
Sears-Citi did n't send me the statement on time for {$26.00}, not to my email nor home address. I called customer service and they removed the late fee since the problem was in their system not sending the statement on time. However, the credit department did n't remove the late payment from my credit report. I sent them letters and asked them to correct their mistake but no results. 
I did n't have any late payment in the past in any credit cards. This late payment decreases my credit score significantly. Usually credit card companies trying to protect costumers but Citi is going in opposite direction to hurt members due to their own mistake. 
My request is that Citi removes the late payment and correct their system mistake so it will not happen to others.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have received XXXX denial letters for store credit cards that I did not apply for. The XXXX letter was for a Best Buy credit card and the XXXX Sears.

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

Complaint narrative:
I DID NOT APPLY FOR ANY CREDIT CARD DEBIT CARD OR LOAN AND I HAVE A HARD INQUIRY FROM SOME CREDIT COMPANYXXXXXXXX XXXX XXXX XXXX DID NOT AUTHOURIZE ANY THING AND WANT THIS HARD INQUIRY OUT OF MY CREDIT REPORT

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
My wife and I, have a XXXX credit line with Citi-Bank, secured against our home that we took 10 years ago. 
As part of the government loan modification program, we applied to the bank, three different times, to help us to modify our loan, so as that our " under-water '' home payments get reduced, stretched or otherwise modified so as to help us to pay them - going forward. 
The Bank took between XXXX months each time, switching us in between a dozen persons, duplicating their questions, repeating time and again - same information, while waiting weeks in between each time. 
THeir handling was such, where each stage did the same again and when they finally were done - they submitted it to their underwriting section, which redid same again. 
In fact - where their left hand did n't know what their right hand was doing. SInce Citibank is known to be a large powerful and well served bank - the only conclusion is that they tried to delay and push the applicant - until they gave up. 
Well, we did n't give up and after persevering their attrition war on us - they denied us, using very vague, limited information, language. 
Each time I called and communicated, I was refused any further information. 
I insisted that they are operating under government programs and as such, I am entitled for their written breakdown of the reason for their denial - but they refused to cooperate. 
SInce all of this took time - i was forced to start the process again and again - thus it taking two years and more - without any positive outlook. 
Now, that my wife is not going to work next year, they refuse to work out our numbers under such - until it happens, even though she was terminated, so that we 'll have to start it all over again - taking another XXXX months and again - yielding no better results. 
This is not right and we want to ask the CFPB to interfere and ensure that the bank does ALL that it is supposed to do. Thank you XXXX and XXXX XXXX XXXX XXXX account 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 2016-05-08 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
Had to dispute a credit card charge. First XXXX cust. serv. operators were in XXXX or something, and they were very courteous. But the XXXX one could not understand me. And the XXXX XXXX I could n't understand him. So I asked to be switched to a XXXX operator and got a nice gal in Kentucky. She could not see any of my charges, she said there were no charges on my card, even though we verified we were talking about the same account. I ended up talking to XXXX or XXXX people before I finally got someone who could help me. And in talking with a manager about this, all they can see are phone calls # XXXX, XXXX and I think XXXX. They 're system definitely does not show my first call. I also got disconnected twice and I 'm on a land line, we do not get disconnects here ever. I was very disappointed at the customer service. Now why this is important is people have the right to dispute a charge, and if the company makes it through their own incompetence and poor training very difficult to contest a charge, a lot of people I know would give up. My mom who was XXXX when she passed away would have given up after the XXXX operator. It 's important that these credit card companies not impede people 's abilities to contest charges. Having over-seas operators works fine if they speak XXXX correctly at least so you can understand them.

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 2016-07-12 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
Several months ago I received a targeted promotional offer ( code : XXXX ) from Citibank to open a Citigold checking account and receive XXXX AAdvantage miles as a sign up bonus. The requirements for this promo were that at least {$1000.00} dollars be spent in the first two months on the attached debit card and that I make two bill pay payments in the first two consecutive months that the account is open. I opened the account in XXXX and after I completed all the requirements, I sent a secure message to Citi customer service to confirm my enrollment in the promotion and that the requirements were met. They responded on XXXX and assured me that I was eligible and enrolled in the promo and that all the requirements were completed. A screenshot of that secure message is attached to this complaint. 

The promotion disclosures document says, " The AAdvantage bonus miles will be credited by Citibank to your AAdvantage account within 90 calendar days from the date when you completed all offer requirements. '' The date on which I completed the last requirement was XXXX XXXX, 2016. Therefore, according the Citi 's own terms, I should have received the points by XXXX XXXX, but the points were never credited to my account. Instead, Citi tried to change the terms of the agreement and say that I would receive the points by the end of the month of XXXX. They claim that the 90 day waiting period does not start until the end of the billing period in which the requirements are met, contrary to what the promo disclosures page says. 

Last week I called customer service to inquire about when my bonus would be processed, and Citi impformed me that they closed my Citigold account on XXXX XXXX, 2016 and told me that they are denying me the promotion bonus miles. This account closure must have been backdated, as I made a cash advance from my Citi credit account and deposited those funds into the Citigold account in order to cover its montly fees on XXXX XXXX, 2016. Citi has disallowed me from viewing my past checking account history and statements online since the account is closed, but I do have a screenshot of my credit account activity which shows the transfer made into the checking account on XXXX. This screenshot is attached to this complaint. I believe this to be a deliberate attempt to deny me the bonus miles that I have rightfully earned according to the terms and conditions of the promotion.

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 2016-04-14 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I have been receiving unemployment since XXXX of XXXX. My benefits were exhausted in XXXX of XXXX. I have found gainful employment starting in XXXX of XXXX. As a result of my circumstance, I am left unable to make my XXXX and XXXX XXXX payments. 

My unemployment was not a surprise, I had several months notice. During that time, I prepared for the financial loss. One step was to discuss with Citibank the terms of my loan and how many months forbearance were available to me. I was told I had a total of 6 months. I continued to make payments. 

I received a 1 month forbearance of my student loans for XXXX XXXX. I requested the forbearance due to an error in filing for benefits in XXXX, leaving me unable to make my student loan payment. I was granted the forbearance and resumed payments in XXXX XXXX. Before ending the conversation in XXXX, I asked how many months of forbearance I had left on the loan and was told I had 5 months remaining. 

On Monday, XXXX XXXX, XXXX, I requested to have my student loans through Citibank forbeared through the months of XXXX and XXXX of XXXX due to lack of unemployment compensation. I was denied. I pressed and was still denied. I spoke with XXXX, she relayed my situation to her superior. XXXX called me back and informed me that I would was not eligible for forbearance. I asked to speak with her superior and she told me my only recourse was to write a letter. 

Strangely, XXXX called me back on Thursday, XXXX XXXX, XXXX. I was surprised to hear from her. She started our conversation by informing me that I was, in fact, eligible for a forbearance. She then guided me through a worksheet where she, once again, told me I was not eligible. I was very confused. We were having the same conversation that took place on Monday. XXXX forgot that she had already followed up on my account. XXXX also apologized for telling me that I was eligible for two months forbearance, because by the end of the conversation, I would not be receiving a suspension of payments. 

I believe that I am being denied my 2 month request of forbearance unfairly.

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 2016-01-29 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I was solicted ( in XXXX XXXX ) through the XXXX Mail by Citi Card to participate in a promotion to sign up for the XXXX program, a company with which I have an airlines sky miles account. The promotion offered XXXX miles in return for using the card to make {$1000.00} in purchases over the next 3 months after approval. I applied online and was approved for the card. I made the purchases of over {$1000.00} dollars during my first month but the miles did not appear in my XXXX account. When I called CitiCard on XXXX/XXXX/XXXX to inquire about why my miles had not been added to my XXXX account I was told I was not eligible for the promotion because I had previously had an account with Citi in the past 24 months that had been cancelled. CitiCard knew this information when they sent me the solicitation. Citi Card did not inform me when I signed up and was approved for the card that I would not be eligible for the promotion. They XXXX let me spend money on the card knowing that I would not be eligible for the promotion. I believe this Citi Card " come on '' offering promotions knowing full well they will not award the the promised award is both a deceptive and fraudulent business practice and that Citi Card should be held accountable. Had Citi Card notified me that I would not be eligible for their promotion ( they did not ), I would not have signed up for the new account but would have instead used my XXXX credit card. They are deserving of my business. Citi Card is not. I have cancelled my Citi Card account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Dear Sir or Madam : After review of the financial information that SPS has provided to me it appears that SPS was dually tracking my residential mortgage loan while I was working on a loan modification and reviewing their offer for a repayment plan. Not only did they dual track me but they also harmed me financially as they charged the expenses of {$1100.00} to my account. This is a direct violation of the California Homeowner Bill of Rights, Consumer Financial Protection Bureau, RESPA and Truth in Lending statues and laws. 

On XXXX XXXX, XXXX, I submitted a home affordable loan modification application to SPS both via facsimile and email. I experienced a material change in financial circumstances and submitted that change to my " mortgage servicer ''. I never received an acknowledgment of that application nor did I receive any outcome. However, on XXXX XXXX, XXXX SPS charged {$760.00} to my account, paid to XXXX XXXX XXXX XXXX and noted my account with Foreclosure Attorney. 

On XXXX XXXX, XXXX SPS sent me a letter offering a repayment plan. I did not agree with that plan and filed an appeal. SPS gave me until XXXX XXXX, XXXX to respond to their offer. However, SPS ordered and charged to my account a Foreclosure Broker Price Opinion in the amount {$89.00} and on XXXX XXXX, XXXX they charged to my account {$280.00} paid to The XXXX and noted on my account Foreclosure Attorney. 

These were outright illegal lending practices as SPS positioned themselves to foreclose and take my property while in direct violation of the law. 

I am requesting that your office conduct an industry standard investigation into my allegations. Please apply all penalties and sanctions as applicable to State and Federal Law to discontinue this behavior as it clearly demonstrates a pattern and practice of non-compliance, as well as malicious intent. 

Thank you, XXXX XXXX XXXX XXXX Enclosures : Payment History XXXX XXXX XXXX SPS Repayment Plan Letter XXXX Screenshot of Email of HAMP application 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 2016-09-26 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: DISCOVER BANK
State: VA

Complaint narrative:
I had XXXX private loans with Discover Student Loans that were charged off several years ago. XX/XX/2016 I came to a settlement agreement with Discover and paid off these loans on XX/XX/2016. Discover has continued to report them as past due even though no further money is owed to Discover. I first disputed directly with the Credit Reporting Agencies, and Discover verified the incorrect information. Then I sent a letter directly to Discover explaining the issue and received only a form letter in response saying the reported information is correct. On XXXX, as of a report from XX/XX/2016 ( almost 4 months after settlement ) they were still reporting {$460.00} past due as of XX/XX/XXXX on XXXX loan, {$490.00} past due XX/XX/2016 and {$590.00} past due XX/XX/2016 on a second loan, and {$760.00} past due as of XX/XX/XXXX on a XXXX loan. That is XXXX incorrect reportings on XXXX. On XXXX, they listed all three loans as past due in both XX/XX/XXXX and XX/XX/2016 ( XXXX incorrect updates ). On XXXX they also listed each loan past due in both XX/XX/XXXX and XX/XX/XXXX for XXXX incorrect updates. That is XXXX incorrect updates by my count. I have followed the available procedures to get them to correct their reporting and they have failed to investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-26 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I purchased my home in XXXX XXXX and took advantage of a 6-month interest free financing promotion offered through the Home Depot Consumer Card. I made regular on-time payments to the account and decided to pay off the entire amount before the promotion period ended on XXXX XXXX, XXXX. I inquired whether the promotion period could be extended for a short time and was granted a 20 day grace period, i.e., until XXXX XXXX, XXXX, to pay off the balance. To ensure I paid the full balance and to avoid any possible confusion, I requested that a Citi Financial representative provide a final pay off amount. The representative provided to me the exact balance of {$4500.00}. I also asked that she make note of the quoted pay off amount to prevent the very situation I am currently facing. On XXXX XXXX, XXXX, I paid the entire {$4500.00}. Notwithstanding this payment, on XXXX XXXX, XXXX, another Citi Financial representative informed me that there was an additional {$530.00} that remained on my account. When explaining the error, she suggested that although each of my purchases met the 6-month interest free promotional threshold, Home Depot/Citi Financial charged my account separately for an online purchase where all items were ordered and purchased at the same time but shipped separately. The total online purchase met the {$290.00} promotional threshold. She further noted that Home Depot/Citi Financial would have corrected the accounting error if I had informed them of the error within the promotional period ; but by her calculations it was " too late. '' The promotion period was extended until XXXX XXXX, XXXX. Thus, by the representative 's statement, Home Depot/Citi Financial could have corrected the accounting error since my inquiry was made during the promotion period. The heart of my complaint, however, pertains to the the false representations made to me by Citi Financial regarding the final payoff amount. Citi Financial misrepresented the amount and character of the debt owned. I recently filed a complaint in this matter with the XXXX but Citi Financial refused to correct its error and the complaint was closed without further investigation. Citi Financial admittedly quoted me a final payoff amount of {$4500.00} but suggests that this was only the principal balance. This too is a false representation. The final interest free promotion was not included on any of my billing statements. For that reason, I expressly requested a FINAL pay off amount from Citi Financial and was quoted the {$4500.00} figure. I have paid this amount in full and am now being asked to silently accept the financial penalties borne from Citi Financial 's 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 2016-07-17 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Finance charges applied to account when I had signed up for free financing for purchase of computer. Also automated bill pay does not work and no customer service representative picks up forcing consumer to pay late fees. Very disturbing. Finally got one " XXXX '' who advised lots of consumers were complaining about this. Advised her I was making a complaint. Please investigate.

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 2015-06-07 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
This has happened a few times now ... I am unable to make the payment on time, and less than a week later I start receiving an unreasonable amount of calls from Citi for payment. The calls come around every XXXX hours, every day ( even weekends ) until I make the payment. When viewing the account, the card has been assessed a late fee and the balance simply shows the accrued amount ( 2 months plus fee ) is due on the next due date. I have asked in the past for the calls to stop and state I will make the payment as soon as I am able ( my next pay check ). The phone agent simply says that the calls will stop after payment is made, and then the calls resume the following day. The practice of Citi is to harass a customer to make the payment, no matter the circumstance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
The trouble with CitiMortagage began several years ago. I was XXXX. When the market fell apart, so did my income and I got behind on my payments. XX/XX/XXXX I started a new job at the company that used to sell me my materials. This job is indoors and offers consistent pay regardless of weather and the construction market. XX/XX/XXXX we started the process for a re-modification on our home. We were approved as of XX/XX/XXXX and set to make three ( 3 ) months of trial payments thru XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. After completing this process we found that we had been denied due to some missing paperwork. A sale date of XX/XX/XXXX was set at this point. I complained to them about the fact that we had responded to everything they had sent in a very timely manner and that we had never received the papers they were referring to. They then sent the paperwork out, we had them signed and notarized and sent back in the same day. Then they told us that the previous paperwork had expired and we would need to refile everything we had done. She sent me the list and I got everything they requested sent off that same day. This all took place in XX/XX/XXXX. It was not until XX/XX/XXXX that they came back with an official denial of the re-modification. The reason they gave was that since I had to file for a re-modification twice in the same year they believed my situation had not changed. I was fully capable of making the payments and had done everything asked of me. It feels as though I am being bullied out of my home of 13 years. 
At the time of denial i was told that a short sale was approved. I contacted my realtor and we found a buyer and asked for a postponement in order to close. They have now denied the postponement claiming that I am not approved for a short sale. This was an FHA loan and I have been told that if a re-modification was denied that I am automatically approved for a short sale.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation