vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-07 00:00:00
Product: Credit card — 
Issue: Application processing delay — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank sent me offers weekly for months, including XXXX in one day. I finally applied for their card only to be told to call in. I did and they started asking all sorts of extremely personal information. Not trusting the questions I asked why they needed the info since it was all in my credit report. I was not given a reasonable answer so they said they would get me an answer in a week. I said that was just fine. I then received a letter asking for bank statements, phone bills, etc. This seems really sketchy to me. I called and was given the run around again. I have excellent credit and am very easy to find so I ca n't imagine it was an issue of credit worthiness or security. I told them to cancel the application and remove me from all offer lists. I also asked to have a supervisor call me. We will see if that happens.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I have n't been able to see my bank account details on Citi Online for the last few months.

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 2016-01-16 00:00:00
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Asset Management Systems Inc
State: CA

Complaint narrative:
Under CFPB complaint number XXXX, XXXX alleges that XXXX and/or Financial Asset Management Systems can run my credit report anytime they want. That statement is false. In addition, whoever wrote the response from XXXX to CFPB complaint number XXXX, does not know what they are talking about because they cited the wrong applicable law. They cited the Fair Debt Collections Practices Act. The applicable law is the Fair Credit Reporting Act in conjunction with the Fair Debt Collections Practices Act. It is a very fine line between being able to run someone 's credit report including mine whenever they want as a permissible purpose, and the action of re-running someone 's credit report over and over, including mine, constituting harassment. Financial Asset Management Systems pattern of continuing to run my credit report over and over constitutes harassment. The person who responded to CFPB complaint number XXXX from XXXX has no idea what they are talking as they cited the wrong law when responding to the issue of running someone 's credit report over and over, including mine. XXXX has a pattern of denying everything, just like they denied overcharging troops, which they did.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XXXX XXXX I requested that Citibank stop mailing me convenience checks on all my accounts out of concern these could easily be stolen and used for fraud. I understand that some time is required to process this request but on XXXX XXXX I received my 3rd promotional mailing from Citibank that contained convenience checks. This is XXXX days after my original request that these items be no longer mailed. Since when I called CitiBank the associated could n't provide me with the policy information around the timing for these promotional mailings to stop I am filing this complaint to first make sure Citibank will no longer mail out convenience checks to me, but also to understand how long Banks have to comply with the consumers demands around unsolicited marketing as that is how I view these convenience checks.

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 2016-11-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have been going through financial hardship since XXXX. I have a mortgage loan and my lender denied me a making home affordable loan modification application in XXXX. My hardship continued and my lender offered me foreclosure alternatives. I decided to list my property for a short sale with a broker in XXXX XXXX, my broker was referred to the bankruptcy dept every time he wanted to discuss my property. The lender claimed that the property was not available to be sold until it is cleared from the BK dept. In XXXX XXXX the bank cleared my property and in XXXX they sent me a notice of default. My broker had a cash offer from a buyer and he started the process of the short sale by presenting the package documents to my lender who took their sweet time in responding to my broker 's phone calls and e-mails. A month went by while the bank reviewed the offer and they responded with a counter offer to the offer that we had. The buyer at that time accepted the counter offer and my broker submitted the acceptance, but the lender did not respond for days to my broker 's emails while a foreclosure sale date was approaching on XXXX XXXX. The lender sent me a letter denying the short sale due to my inability to obtain the bankruptcy court 's approval of the short sale. I was forced to file bankruptcy on XXXX XXXX, XXXX due to the lack of response from my lender. They waited to the last day to respond and deny the short sale offer that my broker had. The foreclosure sale date was moved to XXXX, XXXX and the property went for sale with no bids at the sale. The property went back to the beneficiary.

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: IL

Complaint narrative:
In XXXX 2016, I signed up for a Citigold account account with promotion XXXX that promised XXXX XXXX XXXX AAdvantage miles after completing certain requirements. After the requirements were met, according to the terms and conditions of the offer, the AAdvantage miles would post within 90 days. For the CFPB 's reference, I have attached the official requirements. I have attached a secure message from a Citi representative that I met all requirements for this promotion on XXXX/XXXX/2016. After the Citi representative told me I would receive these miles at a later date, I decided to follow up with her to remind her of the official promotion language to ensure I would receive the miles by the specified date which would have been XXXX/XXXX/2016 ; this message is attached also. XXXX/XXXX/2016 has come and gone and my miles have not posted. I am aware that Citi has refused to distribute the promised miles to other Citigold customers so I am filing this complaint.

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 2016-12-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
CitiMortgage consistently gave incorrect information regarding the loan modification process. Each representative gave different information. I talked to XXXX. They also discouraged me from updating financial information and tried to discourage me from appealing and from reapplying for a modification

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 2016-08-23 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 opened a CitiGold account to take advantage of a XXXX AAdvantage XXXX promotion that was offered for having a Citi AAdvantage card. I registered using the code provided to me, completed all steps ( Make {$1000.00} in debit purchases and make two months of consecutive bill pay ), and waited the 90 days for the points to post ( Paying {$90.00} worth of monthly fees in the process ). I called in and was told that I satisfied all requirements necessary, that my account was eligible, and that I was targeted and perfectly qualified to get the points. I had n't heard anything after 150 days and called in. The CSR agreed that again that I was eligible and that they 'd file a note for their supervisor to check on it. I received the note and was promptly told that Citi would not be honoring the promotion as " there was not an AAdvantage Miles promotion offered in conjunction with the opening of your account. '' This directly contradicts everything that their own Customer Service Reps told me both over the phone and through Citi 's online chat service. I would like them to honor this promotion after I signed up through the offer that was through my AAdvantage Citi card and after their reps told me time and time again that I was qualified and would be receiving the miles soon.

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 2015-07-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I was paying CitiMortgage via a Biweekly Advantage plan where I made a partial payment every other week. This program got cancelled. I wanted to continue to pay bi-weekly but I am being told that in order for me to do so, I must call CitiMortgage Customer Service after my second payment for the month and ask them to combine my first and second payment into one payment so that my payment status will change to paid in full and no late fees or other penalties will be assessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On my XXXX/XXXX/15 Citi card statement I noticed a late fee of {$37.00} and an interest rate charge of {$0.00}. applied to my account on XXXX/XXXX/15. The statement shows a payment of {$60.00} posted on XXXX. An electronically transferred payment! The call rep said she would put in a request to rescind the late charge. She said the payment was received a 'day late '. Citi electronically transfers these funds. Why am I being charged late fees for for funds transferred by CIti? 
I thought the problem was resolved, but my XXXX/XXXX/15 statement revealed otherwise : an additional {$37.00} was ADDED. Each time they gave me a 'dunning ' call they just would n't listen to reason.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-29 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
While in college I joined the XXXX in XX/XX/XXXX. I spent six years in the XXXX before enlisting in the XXXX XX/XX/XXXX. Prior to me enlisting in the XX/XX/XXXX I applied for a Sears credit card in XXXX. After during some research on SCRA and reading the blogs, I decided to apply for my Servicemembers Civil Relief Act benefits with Citibank through their Military Response Unit. I faxed my Department of Defense Manpower Data Center certification which shows my XXXX start date and my LES. On XX/XX/XXXX, I received a notification from Citibank stating I was ineligible to receive those benefits because my account was opened after my XXXX service. I did not understand the denial letter so I call the Citibank Military Response Unit. After speaking with a customer service rep from Citibank Military Response Unit, he stated that Citibank used the date on my LES to make their determination for my eligibility for SCRA not date from my DDMDC. I tried to explain the customer service rep that date on my LES is the date I joined the XXXX not the date I enlisted on XXXX. The customer rep stated that I can resubmit my documents but he does n't think I will get approve. On XX/XX/XXXX, I resubmitted my documents to the Military Response Unit to include my enlistment contact when I joined the XXXX in XXXX and my enlistment contract when I joined XXXX XXXX to show the difference in the dates and my DDMC verification. I was notified on XX/XX/XXXX I was denied again of my SCRA benefits. 
I believe I am entitled to SCRA credit card benefits from Citibank due to the fact I opened by account prior to my XXXX service. According to 10 U.S.C. 101 ( d ) ( 1 ) the term ''active duty '' means full-time duty in the active military service of the United States . I started my full time service on XX/XX/XXXX. 
Any assistance you can provide with helping me to receive my SCRA benefits from Citibank will be greatly appreciated. I have include my enlistment contracts to show the difference between XXXX time and reserve time, my SCRA certificate and the notification from Citibank.

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 2016-07-31 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
I 've used the same AT & T Universal credit card for 15 years. Nine years ago, I was late on a couple of payments due to financial hardship caused when my ex-wife left me. As a result, the credit card company raised the interest rate to 29.99 %. I have since paid faithfully on time each month, and have patiently petitioned them to reduce my interest rate which, of course, they are unwilling to do. 

I complained to CFPB back in XX/XX/XXXX, and the credit card company temporarily reduced my rate to 21 % until XXXX. My rate is now back to 29.99 %. Today I requested a lower rate and was given the same old song and dance : " call us back in 6 months and we 'll see. '' Please help 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 explanation
Consumer complaint received 2015-11-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
In 2009 I was offered a program from City Mortgage called HAMP which offered lower monthly rates and 30 years fixed rate.Before getting on the program I was told that I dont have to pay anything until they decide if I qualify or not.I still made payments every month for XXXX instead of XXXX dollars each month.The qualification review took over a year and I got a letter telling me I am not qualified and I owe City Mortgage over $ XXXX.I could n't pay that amount and numerous times contacted City Mortgage to see why I am not qualified.I never got a clear answer why and they did not want to help me.I was told if I could not pay that amount that my house will go to foreclosure.At that time I started to write complaints to corporate and the {$20000.00} got added to my mortgage and I was put on the program which supposedly I did not qualify for.Just now I got a letter stating that my mortgage is now lengthened to 40 years instead of 30 how they stated before.I contacted a loan agent to refinance my mortgage and was told that my rate would not be low due to City Mortgage filing a foreclosure report. 
I was never late on my payments, I was offered HAMP program by City Mortgage and they told me not to pay anything or pay XXXX which I choose to pay.And in the end I am stuck with a false foreclosure made by City Mortgage on my record.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XXXX XXXX I was victim of identity thefth. The impersonator opened accounts with XXXX, Best Buy, XXXX Macys & Bloomingdales. At this point only Macys and Bloomingdales have n't take care of the situation, I already have a 30 days late payment affecting my credit. The are not able to provide a claim or case number, on XXXX XXXX I sent an affidavit stating I did n't open the accounts, I have made 27 calls and get different answers, I sent emails, Direct Message via XXXX and nobody can give me an status, everyone is giving the run around. 
I am putting to much time and energy in to this and I am the victim, the failed from the beginning accepting a fake ID to open accounts under my name. The perpetrator is even arrested in the XXXX XXXX Jail system. MAcys and Bllomingdale did n't even provided information, only Best Buy provided camera footage. All Im asking now is at least a temporary credit until they close their investigation, if there is one.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-05 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I am having difficulty shaking Citibank interest charges, and their incompetence is perpetuating the problem. 

I sought to make XXXX payments to my citibank credit card account ending in XXXX today, on the closing day of the billing period. It is necessary to pay before closing date in order to avoid interest charges. 

I made XXXX separate payments. I attached the correct payment stub to each check - see EXHIBIT A. XXXX checks, XXXX payment stubs. The payments were Personal Check XXXX for XXXX made payable to Citibank XXXX, Business Check XXXX for {$1200.00} made payable to Citibank XXXX with full account number on face of check ( see EXHIBIT B ) and Business Check XXXX for {$7700.00} made payable to Citibank XXXX with full account number on face of check ( see EXHIBIT C ). 

The payments were tendered to the XXXX, IL branch of Citibank via their night drop slot. As of midday today, they had not posted to my account. I called the branch and they erroneously stated that the deposits would not be visible on the Citibank XXXX website until next day. I knew this claim to be false because previous payments have appeared immediately. I asked XXXX and XXXX to fax me deposit receipts. I must have called between 5 and 7 times. They said they would provide receipts, but they failed to do so. 

After the branch had closed, my deposits appeared in the wrong account. See Exhibit D. Despite the checks all having the account number on their face and despite the fact each check had a payment stub with the correct information on it attached, they deposited my funds to the wrong account. INCREDIBLE! 

I called the Citibank call center and explained that the mis-posted payments would result in me incurring & gt ; {$1000.00} in interest charges which would not be incurred had the branch employees been incompetent. I asked them to transfer the payments to the correct account. They responded that it would take 2-3 days to process the credit. 

I do n't know how Citibank employee compensation works. Could it be that Citibank rewards employees for generating interest income? Could it be that the employees had an incentive to post my clearly-labelled payments to the wrong account? I have no way of determining that. But I do notice that statements arrive later in the month when I am carrying a balance than they do when I am not. It seems likely that Citibank intentionally delays statement mailing to maximize interest charges. 

Back to the current problem : Citibank clearly made a HUGE error here. I need them to post my payments to the correct account effective XXXX/XXXX/16, not two or three days hence. And I need them to reverse any interest charges which appear on the statement which will be generated this evening.

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 2016-02-25 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XXXX XXXX, 2015 I went to XXXX XXXX in XXXX XXXX to pick up silver jewelry samples that were promised to me to be completed on this date. The company told me I had to pay {$550.00} more in order to receive the silver models. I paid on my Citicard and was told to return the following day to pick everything up. When I went back the company refused to release the silver pieces. 
When I returned to the US, I was sent a contract from the company stating they owned everything. I have not received anything that I paid for. This was fraud by 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 2016-11-03 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My name is XXXX XXXX and on XX/XX/2016, a check was cashed at CITI BANK Branch. The check was dated XX/XX/2016. Some eight months ago and there was a Police Report issued to Citi Bank clearly stating that there was Identity Theft. Citi Bank ignored all Police Reports. They cashed the 8 months old check and left me with nothing. After many personal visits, phone calls and emails. The bottom line is that I will not recommend CITI to anybody. We even contacted XXXX XXXX CEO, who failed also to reply.No money was returned to my account after many requests.

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 2015-05-11 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NH

Complaint narrative:
Dear CFPB : I have repeatedly contacted the Citibank folks on the attached documents to locate my IRA so that I can roll it over to my other plan. For whatever reason they seem to have lost it after XXXX and I have not received statements since we could not change the address. No one at Citi has been able to help me yet, the assets are still with them and not theirs. Can you assist me in locating it? 

Thank XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Green Square Company LLC.
State: NJ

Complaint narrative:
Contacted my ex husband & ex brother in law regarding my debt.

Company response to consumer: Closed
Consumer complaint received 2015-07-11 00:00:00
Product: Prepaid card — General purpose card
Issue: Fees — 
Company: Synovus Bank
State: TN

Complaint narrative:
The limit was not that high and they charge me a lot of fees

Company response to consumer: Closed with explanation