vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
We are contacting the CFPB as we have attempted for over 5 years to obtain a loan modification and have been denied over and over again. We are not asking for a lower payment and even expressed we could handle an increased payment. We only want to keep this home we purchased XX/XX/XXXX which our family loves and needs so much. The investor is XXXX XXXX so the rate can not be reduced under the streamline program due to being under 80 % LTV. We did n't qualify for XXXX because our ratio was at 29 % and needed to be over 31 %. Now, XXXX lost her XXXX position due to cut backs and we are only receiving income for XXXX. His income is {$7000.00} a month. We were just denied again because the ratio is still under 31 % which is not true. We received a letter from CitiMortgage dated XX/XX/XXXX showing our payment increased from {$1800.00} to {$2300.00} as of XX/XX/XXXX which would make out ratio 33.2 %. We explained this to the CitiMortgage representative and she stated that new payment is not what is in their system so the denial stands. I explained we faxed her the CitiMortgage letter and said it does not matter. Well, it matters to us. We need this home our rate has been 6.375 % since origination and this loan has never been modified.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ZENCO COLLECTION, LLC
State: TX

Complaint narrative:
XXXX XXXX, XXXX, called to inform me that I owe funds for a car loan that occurred over 14 years ago. She had addresses, partial SSN, car make, model, and VIN #, and a lawyers name ( fake I presume ). The company that she said she represents turns out to be a utility company in XXXX Texas. The vehicle in question was used as a trade-in back in 2002. Additional research shows that several other people have been called by her as well. She sounded very professional, articulate, and well informed about the situation.

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 2016-03-13 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I bought a camara and fill out an application for a credit card, they say sent to my mailbox but I did not receive the credit card, some else it to buy several things

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 2017-02-23 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I 've continued to have multiple issues with Citi and their XXXX Card. They charged me multiple fees for a glitch in their mobile app, then it took me nearly two months to even get a response regarding my complaint. The charges totaled {$120.00}. After continuing to get no assistance, I was finally able to speak to a person claiming to be a manager. She told me all of the charges would be reversed, however only {$75.00} was reversed, the other {$50.00} remained. Now I 'm having yet another, but different issue. I paid my bill in full with the understanding that the amount I was given {$1000.00}, would clear and close my account completely. Four days later they charged me {$19.00}. I understand how interest is charged, I 'm a XXXX for a local XXXX XXXX office. However, that charge should have been reflected or at least mentioned when I made the payment. Nowhere did it state any of this information so that I could completely pay it and be done with the continued issue of Citi being dishonest. I even contacted their customer services and was told there was nothing they or I could do and that I just had to pay it. They said there was no way to file a complaint or get the charge reversed.

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 2015-03-19 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My HAMP loan was transferred to CitiMortgage about 2.5 years ago. Something went wrong with the transfer of paperwork and I have been subject to harassment by Citi ever since. Three weeks after the transfer XX/XX/XXXX, when I had n't received any further paperwork including the monthly statement and bill, I called Citi to ask where I should send the payment for that month. They told me I was in the foreclosure process since I had n't paid my bill in 3 months. They refused to accept that I was not with their company during that time period and refused to send any paperwork. Since that time, Citi has threatened me with letters and phone calls and at one point, a $ XXXX " lawyers fee '' for not paying them what is not owed them. It took hiring a lawyer to get the fee removed, but Citi has continued to refuse to acknowledge my multiple requests to fix the start date. They messed up my escrow payments, and have recently removed me from the HAMP program without my consent, stating I no longer meet the qualifications since I refuse to pay them what is not owed them. I am at my wit 's end. I am ready to sell my house just to get rid of the harassment. If this is what home ownership is, it 's not worth it. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
One Main Financial has been contacting my phone XXXX times a day regarding a installment loan I have them - however I have enrolled in a debt settlement program who has my signed authorization to speak on my behalf. Yet, One Main Financial continues to call me - rather then reach out to the debt settlement company. 

Additionally, they contacted my place of employment today ( XXXX/XXXX/15 ) in XXXX - which I had previously advised them not to contact me there. I work remotely from home in XXXX, so my cell number is the best contact to reach me - contacting my office does not help as they merely take a message and have to email that I received a call from the said creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
Citi credit card closed XXXX of my accounts for " excessive '' adding and deleting of users on my account. I am in right standing with the company and I have a credit score of XXXX. I did break any rules or laws.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My Complaint is against Citibank. I am an XXXX ( XXXX ) from XXXX, where I usually live. I keep travelling all the time, to various ( around XXXX ) Countries, giving XXXX. During XXXX such trip to the US during XXXX, I opened a Checking .Account and Savings Account with about {$500.00} and {$1400.00} respectively, with Citibank in XXXX XXXX ( XXXX XXXX XXXX ) XXXX. I was told, it is a FREE Checking Account and there were no charges, whatsoever. I did not operate these accounts for about the last 7 Years or so. 
During my current visit to the US, I was shocked to see that my accounts were almost wiped out clean, but for the {$200.00} remaining, which I hastened to withdraw. I got furious and took up the matter with the Branch Officials. But they say that they transferred all this money from my Savings to Checking, as some Bank Charges. Surprisingly, I never got any notices in this connection. Besides, my account online banking Log in was XXXX after about an year or so of opening the account. Further, since the Accounts have been in a dormant and non - operative condition, they should have kept them in a separate portfolio, as Banks in my Country and various other Countries I travel to, are known to do. Instead of doing any of these standard Banking practices, Citibank chose to conveniently siphon off the funds from my accounts, which is very shocking to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-07 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I signed up for a CitiGold checking account and was supposed to be awarded XXXX Thank You points under a promotion at the time after meeting certain requirements. I met all of the requirements and confirmed with Citi that I had done so. I waited the required amount of time to receive the points and was given nothing. I made multiple attempts to notify Citi and was repeatedly given boilerplate responses that did not address my issue. Finally, after escalation, I was told they did not give me my points because they did not have a XXXX on file from me, something which was never mentioned or sent to me upon signing up. I received the XXXX form they sent to me, filled it out, and sent it back. Nothing happened. I then called to see why there was an issue, and I was informed that they closed my CitiGold checking account. I was told the only way they could escalate my issue of missing points was to reopen the account, which would take several business days. That was over two weeks ago. I then called in today and was told no changes were made to the account, and that if I wanted to receive the promotion I would need to reapply for the entire checking account again. I asked for this issue to be resolved without me having to file a CFPB, but the customer representative said she would not be able to do that.

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 2016-08-25 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I opened up a CitiGold checking account back in XXXX XXXX using a promotion that would give me XXXX XXXX XXXX miles once I 've made XXXX bill pays and {$1000.00} in purchases on my debit card. I completed the requirements around XXXX XXXX and had n't seen my points post yet. I chatted with a Citibank rep on the phone when I first opened the account, ( as they needed to verify my address with certain documents ) and they confirmed that I would see the miles posting as long as I completed the requirements. Later when when I followed up with Citibank through XXXX, telephone and email, they mentioned that I was ineligible for the promotion despite previously confirming that I was qualified. I attached the mailer that was I received through email regarding 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 2016-07-19 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
My wife and I have several credit cards that we have charges on that are fraudulent. We were gullible when contacted by phone for grants and internet web site development. We put large charges on our cards to pay for what I mentioned but nothing came about from them. When we filed for a charge back on the cards the banks refused to give us back our money. We want to know how we can get our money back from scammers that promised much and did 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 2016-03-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
Convergent Outsourcing sent me a bill for an alleged debt. The alleged debt is past the statute of limitations. I do not want any further contact from Convergent Outsourcing in any form. When I have spoken to Convergent in the past they misrepresented who they were which is a flagrant violation of the Fair Debt Collections Practices Act. I do not owe any alleged debt they are trying to collect. They are hostile and abusive when speaking with 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 2016-06-06 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
XXXX XXXX checking account in XXXX 2016 that promised a bonus of XXXX XXXX XXXX AAdvantage miles in exchange for opening a new account and meeting several requirements. Citi 's own wording promised the miles would be deposited into my account within 90 days of completing all requirements. After verifying in writing with Citi that my account was eligible and exactly what steps were required, I then met all these and waited the 90 days Citi stated would be required for deposit. After 90 days without any communication from Citi and no miles deposited, I contacted Citi about the issue. Their response was essentially to deny that my account was ever approved for the award miles bonus despite my written assurances. XXXX, Citi has decided to not honor their part of the deal despite my completing all steps required for the bonus. Moreover, Citi are still charging me a usurious $ 30 monthly fee to maintain this account. I have no choice but to pay this fee because if I downgrade or close the account before the award bonus is awarded then the bonus offer is forfeited per Citi 's terms.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-29 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I have a revolving credit card with Citibank. I have had an account there since XX/XX/XXXX. The maximum limit on that account is XXXX. The current balance is {$12000.00}. I used it to travel with a year ago and I have been paying it off monthly. I am not using it until I pay off the balance and I have not missed a payment, in fact I usually pay more than the minimum required payment. As of XX/XX/XXXX I received notice that my interest rate had been increased from 18 % to a punitive 29 %. I have never had a late payment and there is no reason for them to jack up the interest rate to a punitive level.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: WA

Complaint narrative:
XXXX XXXX XXXX We are filling a complaint about PNC Mortgage. 
We have been trying to get our PMI cancelled for about 2 years. 
I believe that PNC is in violation of the The Homeowners Protection Act of XX/XX/XXXX. 
The value of our house has reached the XXXX % threshold for automatic termination a long time ago. 
PNC refuses to do so. We have never received a schedule for our PMI to be cancelled. 
I have written numerous letters to them, most with no response at all. 
However the final straw was last month ( XXXX XXXX ) when we had our house appraised. Our appraisal was done by a certified Washington State appraiser ( I have attached the summary ). Our house was appraised at {$210000.00}. We owe {$120000.00}. PNC will not accept this appraisal and again refuses to cancel our PMI. I believe this is a violation of the The Homeowners Protection Act of XX/XX/XXXX. 

We request that our PMI insurance be cancelled according to the The Homeowners Protection Act of XX/XX/XXXX. 
If you can help in any way it would be greatly appreciated. 
Please let us know how we can proceed to have our PMI cancelled. 
Thank you

Company response to consumer: Closed
Consumer complaint received 2015-06-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I was doing a rate check to refinance. The agent that I spoke with informed that the call was being recorded for improvement of their staffs or as arecord. the agents I spoke with agreed not to run my credit. Lately, I learned via XXXX XXXX these the following entity/ies made a hard search on my credit. It has been over XXXX days since I made a former complaint to thebanks and credit reporting agencies for corrections including their 3rd partysearch agents. 
I 'm asking that you kindly use the services of your good office to help meresolve this matter. My home is up for foreclosure I need my score fix torefinance. The entity are as follows:1 ) Citibank Retail via Citibank NA ( XXXX ) 2 ) Citi Financial XXXX DEF via CitiFinancial Mortgage ( XXXX ) Note : Citibank put a foreclosure on my property. they refused to " modify '' my loan, yet they have XXXX hard credit search without my knowledge orconsent that make it impossible among others to refinance as I 'm strugglingto refinance before their sale date. 
The others are:3 ) XXXX via XXXX ( XXXX ) 4 ) XXXX XXXX XXXX XXXX via XXXX XXXX ( XXXX ) Note : I wrote the these banks and informed them - " Your credit inquiry is damaging my credit rating. I did not ask for or approved a credit check at no time. Provide full documentation regarding the circumstances surrounding your review of my XXXX XXXX credit report, pursuant to the permissible purpose provisions of the Fair Credit Reporting Act '', but to no avail. 
The inquiry was placed on my consumer file on this date:XX/XX/2014. 
I noted, " If you can not provide such documentation, you are obligated to remove the offending inquiry at once. '' Please help. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: NC

Complaint narrative:
I sent an email XXXX/XXXX/XXXX to my XXXX lien servicing company, Green Tree Mortgage Servicing, and have n't heard anything about assistance. My XXXX lien was refinanced with XXXX prior to XXXX purchasing them, then Green Tree Servicing received the MSR. XXXX is still the investor of record for the XXXX lien. I believe the appraisal value obtained by XXXX at the refi time was fraudulently elevated to allow the loan officer to approve my loan. Due to XXXX being one of the Hardest Hit states in the economic down turn my LTV is extremely upside down. I 've had to move to XXXX to obtain work after a layoff in XXXX XXXX. I was out of work at a full-time job for 1 year. I believe the Treasury has outlined modification programs for XXXX liens that would assist me. I 've taken a $ XXXX annual salary cut and have the home rented out for {$250.00} less a month than the mortgage payments. I 'm trying to be pro-active now that I 'm employed again. I have n't missed any payments on the XXXX or XXXX thankfully. At this rate, without assistance, I 'll have to let the home go. It seems like the mortgage companies do n't want to do anything to help a person unless they actually become delinquent and ruin their credit. The XXXX is reviewing documents to attempt assistance but they already posted a HARP to my loan in XX/XX/XXXX that lowered my payment. The XXXX lien is at 7 %. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Lending Club Corp
State: DC

Complaint narrative:
My Lending club loan is due on the XXXX of every month. I paid the loan in XXXX installments during the month of XXXX. Lending club said I owed them money because my payment was not paid in full. I called Lending Club and they stated since the loan was in two payments and before the due date they applied the earlier payment to the principal. Lending Club stated that they could not reverse the payment and now I had to pay the balance from the previous month as well as the current balance. I asked if the had any payment plans and Lending Club stated they could not provide me with any payment arrangements and {$480.00} will be due on XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-05 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I hope you can help me with settling the matter related to a continuing balance on our account for the XXXX charge cards referenced above. We 've have been trying to resolve this matter for more than six months but without any success. 

On XXXX XXXX, 2016 in excess of {$3000.00} was charged to our MasterCard ending in XXXX in a single day - actually - in a single afternoon. These were fraudulent charges made by an unknown user - they were not made by us, nor had we authorized anyone outside of our family to use our card. We only learned of these charges when over {$3000.00} in charges had been accumulated and when I received a phone call from Citibank asking for verification for a {$2400.00} purchase. The Citibank fraud investigator that I spoke with was very cordial and helpful. After I indicated that we did not make the {$2400.00} charge he indicated that we were likely the victim of a security breach. I then asked him for details on any other charges made that day and we worked through identifying several additional charges from that day 's activity that we did not make. He assured me that all of the charges would be removed immediately and a new card would be issued. 

Unfortunately, it was not until XXXX, 2016, after repeated phone calls and email messages, that all of the illegal charges were finally removed from our account. I am truly both exhausted and frustrated by the amount of time it has taken to resolve this matter. In fact, our family has not used the card to make a single purchase since XXXX XXXX, 2016. 
As I write this, there is a balance of {$270.00} about which I have made numerous phone calls to Citibank Customer Service. All toll since XXXX, 2016, I have easily spent more than 8 hours of my time desperately trying to get this matter resolved in a timely matter but to no avail.

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