vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: General Information Services, Inc
State: CA

Complaint narrative:
I applied for a XXXX position at XXXX in XXXX. In XX/XX/2016. A background check was done and was taking a long time. After a month I received a copy of the background check with very vauge information of a warrant for petty theft in XXXX. I immediately call GIS to dispute the accusations. I have NEVER been to XXXX. So I know for a fact my identity has been stolen. I asked a rep. XXXX was there anything I can or do to help in clearing my name and she tells me NO. I then get a call from a XXXX XXXX who called and left no msg. And she asked 'did i forget about the warrant '. I hope she was not trained to accuse people of a crime that they did n't do. She says she called the XXXX police dept. And I needed to be fingerprinted. And that she already contacted XXXX basically closing the dispute before I was able to get fingerprinted, so she can meet her 30 day time period of closing a dispute. So I lost a job because of false information.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-25 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I recently did a refinance on my XXXX mortgage with XXXX ( I believe it was a HARP refi ) and they were able to get my interest rate down to 4.25 % from 6.75 %. This reduced my payment by {$500.00} per month ( Kudos to XXXX ). But the problem that I have is actually with my XXXX mortgage which is with Citibank. With Citibank, I am stuck in a 8.125 % interest rate loan with huge balloon payment due in 5 years. Over the past 10 years, I have only managed to pay {$5700.00} in principal against the original {$57000.00}. Aside from the {$15.00} in interest I pay on a daily basis, I ca n't see how I will make the balloon payment unless I win the lottery. The loan was part of an XXXX piggyback deal predicated on the market going up. When the market tanked, my house lost half its value and I am still underwater. When I called Citibank on XXXX at XXXX PDT I spoke to XXXX different representatives : XXXX, XXXX and XXXX. It was very confusing being transferred between departments. They kept asking for the same information which I provided XXXX different times counting the automated system. The end result was XXXX telling me that Citibank ca n't help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I have requested a mortgage modification with my mortgage company CitiMortgage. My income has decreased. I want to keep my home I want my payment based on my current income so I can afford my payments. I received the foreclosure notice XXXX XXXX, 2016 by mail, the law in Tennessee state notice is to be given to the homeowner XXXX prior to the foreclosure per Tennessee code annotated. Please Help

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 2016-03-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I need to report CitiMortgage for not cooperating with me in trying to do a modification through the government program. I have been trying to do a modification with them since XXXX 2014. My file has been restarted numerous times, always with a new account rep every few weeks, which resulted in the ball being dropped numerous times. Then I myself had to restart the process of submitting documents. I complied and submitted hundreds of pages over the last 2 years and every time I am told they have " expired '' and needed to be redone ... I 've been told one time upon submission to underwriting the processor totally did not include one of my incomes on " accident '' so again I started over ... .I believe they do n't want to participate in this program ( Home Affordable ) but are mandated to do so they just make it to difficult to actually get it through and qualified. After working so hard on this file since XXXX 2014 I now am just giving up and I believe that is what they were waiting to happen. The process with Citi has been totally unprofessional, actually disrespectful to me, and impossible! I am beyond sad after trying for over 2 years that I just emotionally cant try again ... It has been a huge amount of time and energy and work on my end, which Im not complaining about, I realize that work needs to be put in for the outcome I was looking for, but not 3 & 4 & 5 times!!! 
The process they follow and the constant changing reps, to the timing of their getting the documents submitted has been the most unprofessional process I have ever participated in!

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 2016-07-19 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citibank closed all of my XXXX credit cards without any reason and without any warning. 
They also confiscated all my Citi Thank You Points earned with these cards. 
I have not violated any rules and I do not see any reason why my cards could be closed and points confiscated. 
It looks like confiscating my points was the only reason for doing that. 
I have paid {$95.00} annual fee for XXXX cards each and {$350.00} annual fee for another card! 
I believe it is not legal and all my points should be reinstated and annual fees refunded.

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 2015-12-27 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XXXX/XXXX/XXXX, I entered into a repayment plan with my Citibank credit card. I received a letter outlining the new terms and conditions. I did not have a delinquent balance on my credit card at this time. I was told by Citi 's representative that I could make my all payments online. On XXXX/XXXX/XXXX, the due date on my credit card, I was not able to make my payment online. Citi 's online system does not allow payments when you enter into a repayment plan. I made my payment over the phone on XXXX/XXXX/XXXX and my payment posted to my Citi account on XXXX/XXXX/XXXX. Since then, I have been getting calls from Citi at all hours of the day. Calls are harassing in nature, are intimidating, and plain bothersome. My son and I called Citi to find out why we were receiving so many phone calls. Citi 's response was : I made my payment late for XX/XX/XXXX, and I still owed a past due amount ( for XX/XX/XXXX & XX/XX/XXXX ) and that negative reporting to the credit bureaus would continue. I responded by explaining why I made my payment past XX/XX/XXXX ( explained that I could no longer make payments online ), explained that I had agreed to new terms and conditions for the repayment plan, and that I did n't think it was correct for Citi to continue harassing me with phone calls and negative credit reporting.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
We are unable to cash an escrow check ( {$580.00} ) received on XX/XX/XXXX. 
We had lost the check but recently found it. Believing that Citi would have deposited the money with the Massachusetts unclaimed property agency, we called but found that Citi had not done so. 
On XX/XX/XXXX, we called Citi and their agent instructed us to fax a letter and supporting documentation to their Research Service Department. Not having received a response or acknowledgement, we got in touch with Citi again and the representative instructed us to send the request by mail instead. This was sent by certified mail on XX/XX/XXXX. We never received a response or acknowledgement on this second attempt either. Multiple subsequent calls to Citi have been unsuccessful as they refuse to transfer our calls to their Research Service Department nor give us an update on the matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-18 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
I have a CITI issued prepaid visa that was issued XX/XX/XXXX. I was unable to activate it in the 4 month window. When I called today XXXX agent ID XXXX advised they seized all funds and account {$0.00}. The terms and conditions advise of a {$3.00} per month maintenance fee but has no reference to the card company seizing entire balance. 
XXXX Visa Card was issued with balance {$120.00} now {$0.00}

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 2017-02-01 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I am very concerned with the inaccurate information provide by Citi Corp Credit Services, Citi Centralize Recovery Bankruptcy Department, XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX to XXXX of my creditors. 1. Macy 's XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX. 2. Shell/CBNA XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. 3. XXXX/CBNA XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. 4. Best Buy Credit Services, XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX. The information is inaccurate because I never have filed for Bankruptcy, there is no indication of bankruptcy in my credit history and there is no court documentation or file number to refer a case of bankruptcy on my behalf. I have attempted time and time again to clear this matter up with Citi Corp Credit Services. I am treated like I committed a crime, their personnel is rude and only focus on collection money for credit accounts that have always been paid on time. The XXXX as well as the Macy 's accounts are paid in full. I am lied to over and over again with statements such as we are looking into the matter and no resolution ever takes place. I have been stoned wall since XX/XX/2016. The Shell credit card was reinstated only to be deactivated on XX/XX/2016. The worst part is that I am a XXXX so they are not only destroying my good credit and reputation but my career and in turn my life. I have filed disputes with the credit bureaus, reviewed my credit reports on-line and requested a copy of my credit reports. As you know it will take time to receive my credit reports. I have no way of defending myself. As a 15 years XXXX veteran and someone who continues to work to XXXX, I find it very scary that my life can be turned upside down in this manner. Clearly this is a mistake on the part of Citibank Citi Corp Credit Services yet I can not get anyone to correct this mistake and I have been trying to solve this issue since XX/XX/2016 only to be treated as if my life does not matter. In this country a criminal is presumed to be innocent until proven guilty, yet I am assumed to be guilty of bankruptcy with no indication of bankruptcy in my credit history and there is no court documentation or file number to refer a case of bankruptcy on my behalf. Please investigate this matter so this issue can be corrected and I can move on with my life. My credit cards with the listed companies have been placed on hold or cancelled due to this inaccurate information, please help me to resolve this situation and place my credit and accounts back in good standing.

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 2016-05-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
We have been patrons of citibank for decades. We had applied for a XXXX XXXX to refinance our home. When I happened to be at Citibank for another reason, I mentioned that we were getting a loan from XXXX and the loan representative at Citi was called in. He sat down and said we can offer you a better deal. We will match the interest rate and eliminate most of the closing costs since you are a preferred, long time customer. 
I asked how difficult it would be to do this, because XXXX was simple and did n't require reams of documentation. I was told we would need to supply tax statements, and pay stubs, and that was pretty much it. We started this in XX/XX/XXXX. We continued to supply documents until XX/XX/XXXX and then were turned down because of the debt to income ratio. Those very facts were available in the paystubs and taxes we supplied on day one! 
They appraised our home, which we were charged for, and it appraised positively. I feel like we were conned. Our time was wasted and we abandoned a loan that was about to happen. This took place in a branch in XXXX XXXX, where we live.

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 2017-03-06 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
A visa credit card issued by Citi accepted a charge from a merchant who had either an incorrect credit card number or expiration date that passed or both. When I called to inquire how it could happen they said that for some select merchants who allegedly submit recurring charges there is a special treatment when it comes to changed credit card numbers and expiration dates that have passed -- they are provided with new credit card info so that they can continue to bill. 

I suggested that this was done without my consent, that the agreement is between the credit card company and the merchant and not with cardholder, that no cardholder can possibly understand dozens of pages of fine print with changing rules. I demanded that Citi remove the charge from my account and pay for it themselves. That it was unfair for them to violate the most fundamental security feature of the credit card and allow merchants to bill with wrong credit card number or past expiration date or both. I further explained that expired credit cards is what should prevent looters like the merchant in question to perpetrate inappropriate charges and contact consumer with a request for a new billing information. 

As an aside the card in question is not in my posession and I believe it was cancelled. When I asked them to tell me what was the expiration date on the active card it date when it was issued. As a result I can not even present the merchant with a proof that they did something inappropriate - bill with a wrong credit card information and get a new credit card info from Citi when both of them realized that credit card number or expitation date changed.

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 2015-06-22 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
refused to issue me a new card even tho it expires in less than a month. when they do get around to sending, as per their supposed process with only 2 weeks left, they send it with no tracking regular mail, then refuse to assist in anyway towords getting a new card in the customers hands. the account is tied with my payroll so now i can not get any paycheck or pay billes until they get around to honoring their commitment. They refused me contact with a supervisor.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
Applied for citigold checking account with promotional code XXXX before XXXX/XXXX/15 which entitles me to XXXX XXXX aadvantage points if I used the accounts in a certain way. " Then, within 60 days after account opening : the required minimum amount of purchases using the Citibank ( R ) Debit Card must be posted to the new checking account AND 1 qualifying bill payment must be posted to the new checking account each month for two consecutive calendar months. '' I met all qualifications, but Citibank denied me the aadvantage points. They claim that because the offer promo was not sent to me that they do n't have to send me the miles. However, I was allowed to open the account online and the documentation received when the account was opened online indicated that I was eligible : " This offer is available to Citi ( R ) / AAdvantage ( R ) credit cardmembers who receive this communication. Offers for new consumer checking customers only, XXXX years or older. '' I have an aadvantage card, am a new checking customer, and am older than XXXX. It did not include any indication that the promotion was not valid for me.

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 2016-12-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I lost my job and already paid 12 years on loan then citi modified me for a 40 year loan and they have the right to part of my retirement this does not help it hinders I tried everything Citi wants me to move out because I ca n't afford it I want to keep this home I have been there for 16 years

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 2015-07-15 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 contacted CITIBANK after receiving my XXXX consumer report and seeing several fraudulent account inquiries. I explained that I have had a case of identity theft and that I have already set notifications with the Credit Bureaus, XXXX, XXXX, as well as filed claims with multiple banks and filed a police report. 

She was unable to transfer me to the Debt Solutions division of the bank. I asked her to please close the active account immediately, as it is fraudulent and I do n't want it to affect my credit. She stated she would connect me right away with the right department to close the account. I offered to provide all necessary documentation to do so, so she could close it herself. 

Instead, she asked me to please hold and I was transferred to the XXXX. She did not close the account nor agree to investigate the fraudulent account after being made aware of the identity theft. 

I would like the account ( s ) closed and situation resolved immediately. There were XXXX credit inquiries made from XXXX and NY branches and I was told there were active accounts in my name. Whether checking accounts, savings, or credit cards.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I ATTEMPTED TO PAYOFF ACCOUNT. SEARS GAVE WRONG PAYOFF AMOUNT. I TIMELY PAID THE INCORRECTAMOUNT GIVEN MAKING THE ACCOUNT {$6.00} OVERDUE. IT WAS SEAR 'S FAULT NOT MINE.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: LDF Holdings, LLC
State: RI

Complaint narrative:
I already paid {$740.00} on a {$300.00} loan with another {$400.00} to pay

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: LDF Holdings, LLC
State: OK

Complaint narrative:
I took out payday loans when my husband was n't working ( a 15 month period ) so that we would not have to pay car payments, housing, or utilities late. Since then the interest has eaten us alive where we ca n't pay them off, I had to take out a new loan for food and gas, but now I have found out they are n't even licensed in Oklahoma and are charging higher interest than allowed. They withdraw the funds from XXXX and I am having to close my account. I was told to file a complaint since they are n't licensed to do business in Oklahoma. Please advise. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I was in between jobs and the company repossessed my vehicle. I did pay the money to receive the vehicle back in my possession, but they are still reporting the account as an charge off.

Company response to consumer: Closed with explanation