vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-26 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I recently set up a new checking account with Citi as part of a promotion to earn additional frequent flyer miles ( I already had a credit card ). As part of that process, I set up an " external account '' so I could transfer money between my new account and an existing account with my credit union -- this was to be the source of my initial deposit. I mistakenly thought I had to verify the accounts both ways ( I 'm still not sure whether this was true or not ) -- that is, to have each institution verify the other, which they do by making small debits/credits to the account, and then I 'm expected to verify the amounts. As part of this process, I mistakenly overdrafted my Citi account since it did n't currently have any funds in it -- which is why I was trying to set up this external account in the first place! I was charged {$68.00}, which seems excessive for an overdraft that was less than {$1.00}. I complained via Citi 's chat help, and after first telling me that it was a valid charge, they offered to refund it as a " one time courtesy. '' However, they only refunded {$34.00}. When I chatted a second time the next day, they said that they had only offered to refund " XXXX '' of the overdraft fees -- apparently there were XXXX for {$34.00}. On closer look on my account activity, there were XXXX places that said " overdrawn '' -- however XXXX was a credit ( not a debit ), so that did n't make sense! -- and still only XXXX line that said Overdraft Fee - {$68.00}. They eventually refunded the remaining {$34.00}. However, I believe Citi should be censured for these policies which are clearly predatory and trying to extract money out of customers who do n't have the time or energy to fight them on this. They use misleading language and reporting ( including apparently putting XXXX separate fees as XXXX line item ) and at no point in their help process did anyone offer me an explanation as to why these things are reported this way. I also do n't think that overdraft fees should apply in cases like this, which are clearly part of the initial setup of an account. And customers should n't have to spend several minutes arguing to get back money that was essentially stolen from them. I informed Citi that I would be closing my account as soon as I receive the promotional mileage ; I do n't understand why anyone would trust a bank with such shady and unfair business practices with their hard-earned money.

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 2017-01-20 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I was traveling over the holidays and my sister was hospitalized with an emergency. I had a friend send me my bills so I could pay them long distance. I sent, from my " pay bills '' account with my bank, a check for {$3800.00} to the WRONG account. It was a different XXXX XXXX card than the one I should have paid. In fact, the money went to an account that had been closed. I did n't realize the mistake until I got a notice from the correct account that my payment had n't been received. I contacted the Citibank Advantage card company which I 'd incorrectly paid. They 'd accepted the check. After several calls they finally saw what was going on, then credited my active account rather than returning my money. It took another couple of calls to convince them I needed the money back, not a credit in an account that I seldom use. After several more calls I still do n't have my money, they claim the long delay is due to " policy. ''

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 2016-02-11 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Hi, I am filing an erroneous credit card payment delay to Macy 's. 
I signed up for Macy 's credit card in the store and made purchases ; however, I never received either the bill or my original card, until Macy 's called. I immediately made payments over the phone. 
Today, I found out that my credit dropped by XXXX points because of a late payment. There is no way I could have avoided the delayed payment because I never received the bill. I called and spoke with Macy 's customer services, and they agreed with the situation. However, I have a problem connecting Macy 's with the Credit Beauer. I want to be a happy Macy 's customer again, and please assist. 

My information ( no credit card info because I never received the card ) : Name : XXXX XXXX Last XXXX Digit of Social : XXXX Date of Birth : XXXX Address : XXXX XXXX XXXX XXXX . XXXX XXXX, IL 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 2015-09-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Dear Sir / Madam : I am writing to request an investigation on CitiMortgage for breaching the contract on my Optional Agreement payment plan I opened on XXXX XXXX, XXXX included with my monthly mortgage payments. I was laid off my job I held for XXXX years due to downsize on XXXX/XXXX/XXXX. I called CitiMortgage to get information on how to process coverage. I was transferred to several different people in various departments trying to see what I should do. No one at Citi knew what I was talking about or knew what the options coverage or completion plan fee was on my monthly statement. I was then transferred and advised about only on an unemployment assistance program ( UP ) and sent the forms out to complete and return to them to pay {$1.00} per month for XXXX months and pay the balloon payment by XXXX XXXX, XXXX. 
I have never been late on my mortgage for the past XXXX years. I have use my savings, XXXX, Unemployment and borrowed money to pay my mortgage until my unemployment ran out. I was only offered this Unemployment program. When I was sent these forms for this program all I have experience is hardship from the various letters I have been receiving about this program. I have been charged with an appraisal fee 's, and sent various forms for Modification, letters thanking me for agreeing to participate in the program that I have not returned as well as pictures of other homes others homes in the area comparing to mine. I have had people taking pictures of my home and a real estate agent come to my home XXXX wanting to speak to me about selling my home. I am feeling victimized and Citi Mortgage trying to force me from my home. 
I have copied various forms to show but too many to add to this system. I have been receiving larger amounts for payment, increases on the escrow payments due changing and raising the amount due since I satisfied the payments. Please help this company is trying to take my home after XXXX years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I have filed a credit card with Citi and was approved. The problem is they gave an APR of 20.99 % after the introductory period. I have excellent credit history and credit score and I have called them and tweeted them about why is the APR so high. If a person with excellent credit history gets 20.99 %, who will get the best APR? 
Also the problem is there are not giving any answers why is the APR set at 20.99 %. 
If I 'm the consumer of the product I should how I got the that APR. 
I have closed the account. The problem is my credit scorer decreases a few points because of the credit card application and closing the account. Why should I lose points? They are not answering any questions which I ask. 
Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-13 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I purchased appliances with my Home Depot credit card. The purchase was automatically placed on a 0 % interest promotion for 24 months. During that time, I made payments in excess of the minimum payment due. According to the Credit Card Act of 2009, section 104 subsection 164, " Upon receipt of a payment from a cardholder, the card issuer shall apply amounts in excess of the minimum payment amount first to the card balance bearing the highest rate of interest, and then to each successive balance bearing the next highest rate of interest, until the payment is exhausted. '' I believed that the amount over the minimum due would be applied to the promotional balance. Since it had not been applied. I was charged {$1500.00} interest fees on a purchase of {$2200.00}. The interest charged is approximately XXXX % of the purchase amount. According to Home Depot, there is no way to opt-out of a 0 % interest promotion when you are making a purchase over {$290.00} during the promotional period.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I went into a XXXX Branch at XXXX. to open an additional checking account. The banker saw all of my accounts with them and offered a Home Equity line of credit product. I gave her and her manager my information on my home. I advised them that XXXX had my mortgage and my Principal balance was $ XXXX. They estimated my properties value at $ XXXX without an appraisal. The were working on their calculators and insisted I had enough equity to apply for the line of credit so I started the process. I received a call 2 days later from the manager and he told me I could not move forward with the application. I asked why not? He said there was an issue because my mortgage was not with Citibank. I said I told you from the beginning it was not with Citibank, that it was with XXXX. You even told me that was OK and did n't matter. Then he stated because there was not enough equity on the property. I asked how much was needed? He gave me a number over $ XXXX. I said you already knew I did n't have that because I gave you the numbers. No I have unnecessary inquiries on my credit report. He stated it would n't impact my credit because I had such a good credit rating. I stated I 'm not comfortable with what they did and I wanted them to contact the credit bureaus and have them removed. He said he would get back to me in a few days. 

They should have known that I was not even going to get far with the application process. They knew the numbers were way off to getting approved. With the numbers they had through our conversation, the equity was somewhere around 9 %. When he called me, he said 25 % or 30 % was needed. 

I feel like they just wanted my application to meet some quota. They submitted my application knowing I did n't have enough equity. Is this what Citibank is coming to?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
On XX/XX/XXXX I signed for a HELOC in the amount of {$54000.00} from Citibank. The primary objective was to pay off a 2nd mortgage for {$27000.00} with XXXX Bank. 

To date Citibank has failed to provide paperwork on the disbursement of these funds and my property 's title remains clouded with this lien. 

As a result, I can not refinance nor sell the property. I continue to call and they continue to extend the time in which they claim they 'll respond. 

With interest rates on the rise, this situation is both stressful and frustrating. 

After 3 requests for the documents, Citibank says they have 90 days to do more " research. '' I fail to see how it could take so long. 

XXXX, the company that secured the XXXX lien, is also out of business. It is my understanding that the FBI raided their office back in XXXX, or so. 

I am at my wit 's end, so any help from your office would be very much appreciated. 

Best Regards, XXXX 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 explanation
Consumer complaint received 2015-12-31 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I have a credit card with Citi. Their card account website shows the card 's " Current Balance '', which does not include pending transactions. These transactions are then applied in non-chronological order, which is misleading. In addition, there is no running transaction total column next to the statement of credit card purchases, which further compounds the problem. As a result, I end up not being able to repay the full amount owed by me to Citi each month because the Current Balance shown is not accurate. This works in the bank 's favor by hiding balance information from me and potentially allowing them to charge me fees if I underpay.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I secured a mortgage back in XX/XX/XXXX from a bank and then re-financed my mortgage through what was then a company highly publicized and known for predatory lending practices called XXXX. Citi Bank, also known as Citi and Citi Mortgage either owned or bought XXXX XXXX and acquired the mortgages that they had. Me and my then wife filed for Chapter XXXX Bankruptcy back in XX/XX/XXXX. The bankruptcy judge sent notification to all those credit entities that were on my credit report, including CitiMortgage. These creditors had a specified amount of time to respond to the judge 's notification that I have applied for bankruptcy protection. 
CitiMortgage failed miserably in responding to notification that was sent to them, and the bankruptcy judge denied them access to be paid through the Chapter XXXX Bankruptcy Trustee. 
Already an entry on my credit report, this bank begins the process of transferring my account to THEMSELVES in an effort to have a derogatory entry on my credit report for a longer period of time than the law allows. They have absolutely no consistent data entered between the XXXX credit reporting bureaus. On my XXXX credit report, it has them on my report XXXX separate times with the name of the institution, address and phone number identically the same on XXXX entries ( transferring account to themselves ), and then the XXXX entry has a different name with a fictitious phone number that does not even belong to this huge bank. On my XXXX XXXX report, it has them listed on XXXX separate entries indicating that they transferred my mortgage to themselves. same exact information on both entries. On my XXXX credit report, they used the XXXX different addresses, but XXXX of them is not who it is proposed to being. They used the address and phone number of a phone number of " The XXXX XXXX XXXX XXXX line '' There needs to be more stringent penalties against banks, financial institutions and mortgage companies that attempt actions such as these because it detracts from the trust and faith that is placed in our systems as citizens just trying to do right by the laws that are put before us. 
I wonder what would happen to me if I tried such a deceptive and fraudulent maneuver!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Liberty Home Equity Solutions, Inc.
State: PA

Complaint narrative:
My husband XXXX XXXX entered into a Reverse Mortgage Agreement with XXXXLiberty XXXX in XXXX of XXXX. In order for him to obtain the Reverse Mortgage, my name had to be taken off the deed because of my age XXXX less than XXXX years of age at the time ). My husband XXXX passed away on XXXX XXXX, XXXX due to XXXX. XXXX/Liberty XXXX is attempting to foreclose on my childhood home that has been in my family for over 3 generations. 
I have attempted to keep my home by being told in the beginning that I could obtain a loan of 95 % of the appraised value of my home after my husband 's death. I also filed " probate '' of my husband 's Will ( even though he had no life insurance ) but I probated his Will incurring additional expenses in order to give me authority to sign a sales contract from his estate to myself -- this was done only to find out later ( after executing about 3-4 sales contracts ) that there is no way that I am able to obtain a mortgage on my home as it is must be a " short-sale '' and it is too " complicated '' of a transaction ( arms-length ) transaction. I did not pay real estate/county or borough taxes since my husband 's passing because I did not want to incur additional expenses only to find out that I would still be unable to live in my childhood home. Now my home is set up for a " sheriff 's sale '' on XXXX XXXX, XXXX for " unpaid real estate taxes. '' I spoke to XXXX/Liberty XXXX today ( XXXX XXXX, XXXX XXXX and was told that I need to pay all delinquent taxes in order to stay in the home but even if I pay the delinquent taxes that there is no guaranty or assurance that I can remain in the home and it is entirely up to HUD. I am not in a financial position to pay delinquent taxes and then to later find out that HUD still refuses to allow me to maintain residency in my home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Linear Title & Closing, Ltd
State: CO

Complaint narrative:
We are attempting to purchase a home using cash in which the deed is currently held by Linear Title of Middleton, RI. We have been under contract since XXXX XXXX and have been mislead by this company from day XXXX. We believe that there are some serious legality issues with how they list their properties. After reading reviews about this company online, it sounds like they are notorious for listing properties which they currently have no legal claim to ; basically they put these properties on the market before they have obtained proper ownership, and therefore have no legal claim to yet sell that real property. This causes the consumer to have extremely long closings that never should have happened if Linear would follow laws and guidelines stipulating when they can legally list properties for sale. We are now 2 months into closing, and there is no end in sight. It does n't appear Linear has done anything on this file and they have now stopped responding to emails, giving us any kind of update, or even providing me with the contact info of the foreclosure attorney handling our case so that I can reach out to determine when this will be finalized. I have had over $ XXXX cash wrapped up in earnest money for 2 months now that is just sitting in limbo as it appears nothing is happening with this file. It is completely unacceptable, and illegal, how this company conducts business. I can no longer afford to have that money out of my reach, this should have been resolved weeks ago. We have documented everything including contracts and emails stating timelines that were never followed. I 'd be curious to see if Linear Title actually held the deed to this house on XXXX XXXX, 2016 when we first went under contract. When dealing with something as important as a home purchase, I would certainly expect complete transparency and honesty from the title company ; they 're dealing with people 's livelihood 's and it 's an embarrassment how poorly they 've conducted themselves through this transaction.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a credit card for Sears ( SearsCard.com ) -- the contract states that they can change the conditions of this card. I received an unsolicited letter, attached, which states in the second paragraph that the Sears store card will be upgraded to a Mastercard unless I decline the offer. I believe that it is illegal to issue an unsolicited credit card unless you decline the offer.

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 2015-06-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
We live in ohio and had citimortgage for our mortgage company, not by choice. We live in a city that we feel doesnt have a good school system for our daughtera so we have been paying for XXXX education. In 2012 we had XXXX girls in a XXXX school costing over {$20000.00}. We tried remodification multiple times with CitiMortgage but we didnt qualify for any help whatsoever. Our mortgage was messed up and i had to get the ohio attorney general involved. That same year my husband took a huge paycut and we couldnt make the house payments with our 9 % interest that we could not get help with from citimortgage. After about a year of not paying our mortgage the loan was sold to XXXX. Now our house has been foreclosed and was sold at auction. My questions are multiple. Why didnt we quality for any type of remodification when, according to the president, everyone should have received some type of help? Why would a company purchase a mortgage that was already in default? How can citimortgage have gotten away with doing what they do. I know they have alot of lawsuits against them but i dont have the funds to take them to court and now we are facing eviction from a home that we have lived in for 21 years. I feel we were wronged by citimortgage and if they would have remodified our mortgage, we wouldnt be in this situation. There has to be something done but we cant afford help.

Company response to consumer: Closed with explanation