vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-14 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Citimortgage has placed several false statements on my XXXX XXXX XXXX consumer credit reports. My mortgage was discharged in Chapter XXXX bankruptcy XXXX XXXX, 2011. They have entered " missed payments '', " late dates '', " foreclosure '', and a " dismissal '' on my credit reports post bankruptcy. The mortgage was never reaffirmed and personal liability ended along with my discharge. They are attempting to re-age the account so that I can not recover from bankruptcy. When I disputed the information to both credit agencies, Citimortgage added even more damaging data. Reporting post discharge data without reaffirmation is a violation of my bankruptcy discharge. I can not be late on a account in which I have no personal liability & a foreclosure post bankruptcy, is a action against the property not me. They have XXXX years worth of entries post bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
This is about the Macy 's AMEX card owned by Citi Retail Services. 1. You get no chance to pay your bill before they charge you {$2.00}, just because. 2. I called and complained and Macy 's gave me the {$2.00} back. I then had a {$4.00} credit. I purchased something about two months later on a Saturday and paid the bill ( minus the {$4.00} - through my bank online when I got home - $ got to Citi on Tuesday or Wed. I get an email notice from my bank showing a balance due that was {$2.00} higher than what I sent. I just received the paper bill and it shows that I only have a {$2.00} credit. What happened to the other {$2.00}. There is nothing on the bill showing they charged {$2.00} for anything. Yes I can call and complain and Macy 's will credit the account but that 's not the problem. Someone needs to stop this death by fee that AMEX/Citiretail is doing. You do n't have a chance to pay the bill before they hit you with a fee. If you do n't realize it, which is easy with ebills, they charge a fee on the outstanding fee on the next bill. It also does n't help that you ca n't access your account information at the Citiretail website that Macy 's directs you to. It just clocks out.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
CitiMortgage Inc. is the mortgage company I have having issues with. 
Issue # 1 We purchased and maintained XXXX insurance through CitiMortgage Inc . This insurance was supposed to pay the mortgage in case the homeowner was XXXX or hospitalized. When my husband, who was a XXXX Veteran, became hospitalized in XXXX the policy was supposed to kick in, so we thought. But when we made a claim on the policy it was never validated. The policy was supposed to pay off the mortgage. It did n't. 
Issue # 2 After my husband XXXX in XXXX XXXX and I wanted to assume the loan. I was not allowed to do so. But I continued to make payment through various programs and other entities that I was told to by CitiMortgage Inc . But I was told that those payments did not go towards the mortgage. I do n't understand why. 
Issue # 3 In XXXX finally I was presented with a loan modification for my mortgage. The first set of loan modification papers were signed in XXXX. In XXXX I was presented with a new set of modification papers with a 'subordinate secured deed ' for {$38000.00}, which was not on the first modification that I signed in XXXX. Why was this not at all mentioned in the first 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 2015-05-18 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
ZALES Jewelry is charging me 28.99 % interest on their card. I owe them {$2200.00} and my monthly payment is {$78.00} monthly..I pay in interest per month a whopping $ XXXX..At this rate I would pay this loan off in 13 years and paid them $ {$6200.00}. This is predatory lending..They are located in a mall a public space and they should be subject to the fair lending laws and people should be warned of their practice XXXX they buy jewelry for their love ones because they are easy to be taken advantage of in the love state of mind.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I received an offer to get XXXX XXXX miles from Citi Bank after opening a Citi Gold account and completing the requirements. I received a letter in XXXX stating that I had completed the requirements and I would receive the points within 90 days. The deadline I was given was XXXX XXXX. I did not receive my points so I chatted with Citi and spoke with XXXX on XXXX XXXX. I was told I would have an answer by XXXX XXXX. On XXXX XXXX I still had no answer so I chatted Citi online again and spoke with XXXX who told me I would get a response by XXXX XXXX. 

I called Citi on XXXX XXXX and spoke with XXXX who said he was opening up a second investigation into the situation. He said we would hear something by Wednesday XXXX XXXX at the latest. 

I called today and spoke with a manager named XXXX who said Citi had " run out of miles '' so we could not get them until at least XXXX. 

I have been told so many different dates and none of them are true. I have waited long enough and I need help figuring this out.

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 2017-01-24 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi stopped sending statements in XXXX 2016. The representative told me they were trying to fix an issue where some people were getting duplicate emails but they accidentally shut off all email statement notifications. I received neither paper nor email statements from XXXX 2016 until I realized now that I have been accumulating late fees and interest. They are refusing to waive the late fees and interest ( have made two attempts so far ), despite admitting it was their mistake. 9 year customer/ never missed a payment or carried balance before this.

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 2016-08-18 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XXXX XXXX, 2016, I opened a Citigold checking account with a promotion code I had received, namely, promotion XXXX. The promotion promised an award of XXXX XXXX XXXX AAdvantage ( R ) miles upon completion of {$1000.00} in qualifying debit card purchases and XXXX ( XXXX ) or more qualifying bill payments for two ( 2 ) consecutive calendar months, with all requirements to be completed within sixty ( 60 ) days of account opening. 
After completing the requirements, on XXXX XXXX, 2016 I messaged Citibank via their online secure messaging system to confirm that I was enrolled in the promotion and had met the requirements. Citibank confirmed that the requirements had been met and that I should receive my XXXX AAdvantage miles by the end of XXXX 2016. A copy of this communication from Citibank confirming enrollment in the promotion and completion of the requirements is attached. 
As of the date of this complaint, my AAdvantage miles have still not been rewarded, despite them having been promised by the end of XXXX 2016. I note that the terms and condition of the offer state that " The AAdvantage ( R ) bonus miles will be credited by Citibank to your AAdvantage ( R ) account within 90 calendar days from the date when you completed all offer requirements. '' Under the terms and conditions of the promotion, I am eligible for the promotion : I am a Citi ( R ) / AAdvantage ( R ) credit cardmember who received the promotion, I am over XXXX years of age, and I had never before held a consumer checking account with Citibank. I am also attaching XXXX additional online chats I had with Citi inquiring into my missing bonus and Citibank 's response stating I would not be receiving my missing bonus.

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 2016-08-08 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
In XXXX 2016, I opened a Citigold checking account with a promotion code I had received. The promotion promised an award of XXXX XXXX XXXX AAdvantage ( R ) miles upon completion of {$1000.00} in qualifying debit card purchases and one ( 1 ) or more qualifying bill payments for two ( 2 ) consecutive calendar months, with all requirements to be completed within sixty ( 60 ) days of account opening. 
After completing the requirements XX/XX/2016, I messaged Citibank via their online secure messaging system to check on the status of this promotion that I was enrolled in and had met the requirements. 
As of the date of this complaint, my AAdvantage miles have still not been rewarded. I note that the terms and condition of the offer state that " The AAdvantage ( R ) bonus miles will be credited by Citibank to your AAdvantage ( R ) account within 90 calendar days from the date when you completed all offer requirements. '' Under the terms and conditions of the promotion, I am eligible for the promotion : I am a Citi ( R ) / AAdvantage ( R ) credit cardmember who received the promotion, I am over XXXX years of age, and I had never before held a consumer checking account with 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 explanation
Consumer complaint received 2015-05-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
To whom it may concern : On or about XX/XX/XXXX I called Citi Mortgage in order to make a request for the canceling of the PMI in my home mortgage. On XXXX I received correspondence from Citi Mortgage and it stated that as a requirement of the canceling of the Principle Mortgage Insurance ( PMI ) in my mortgage loan that my loan to value ( LTV ) would have to be at or below 75 %. This is in contradiction of the information given on the Consumer Financial Protection Bureau 's web site which states : These rules apply to mortgages closed on or after XX/XX/XXXX. Federal law generally provides XXXX ways for you to remove PMI from your home loan : canceling PMI or PMI termination. 
( My loan closed after this date ) The Homeowners Protection Act gives you the right to request that your lender cancel PMI when you have reached the date when the principal balance of your mortgage is scheduled to fall to 80 percent of the original value of your home. 
( It goes on to say ) Even if you do n't ask your lender to cancel PMI, your lender still must terminate PMI on the date when your principal balance is scheduled to reach 78 percent of the original value of your home. 
I want this benefit and upon pointing this out to a Citi Mortgage Representative # XXXX on XX/XX/XXXX to no avail I was told by her that 75 % is the rate at which I can obtain the canceling of the PMI in my mortgage lo

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
CitiCard, Citibank, is retaliating against me by increasing my minimum payment amount because I filed a complaint against the company with the BBB. The company, which has lost {$2800.00} of mine and we 've yet to settle the mishap since XX/XX/XXXX, has representatives calling me every other day telling me to pay {$2500.00} in " minimum payment amount '' before XX/XX/XXXX. I 've already paid the credit card company last week and they are harassing. Representatives, XXXX XXXX, XXXX XXXX, and XXXX, have called me incessantly over the last 3 weeks, harassing me at work and at home, asking me to drop my complaint with the XXXX and CFPB. My card, the Executive Business AA Black Card with Citibank, is supposed to guarantee clients from fraudulent activity. However, the credit card company has already been witholding information regarding " missing funds '' under their care. It has been 5 months now and the company still has no solution to where they have my money. Currently, Citicard and XXXX XXXX are attempting to force me to pay a minimum payment amount of XXXX %, which is unheard of in the industry. I am concerned that Citibank and Citicard 's harassment is going to lead to a negative credit lean against my account and that any large payment amount made to the company will once again " disappear '' and I will be left losing another couple of thousand dollars. In addition to the hard details, representatives are calling me at work and yelling discriminatory language.

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 2016-09-07 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
This complaint is targeted to a program advocated by CitiBank. 
Per my friend 's recommendation, I applied for a Citigold checking account owned by CitiBank following the link on the internet in XXXX. The promotion advertisement listed the following conditions : 1 ) Open an account with CitiBank. Deposit money. 
2 ) Make payment for ( 2 ) consecutive months 3 ) Make a purchase worth {$1000.00} As a result, we will be offered XXXX points. Meanwhile, Citi will charge my account {$30.00} per month for three months if the deposit is less than certain amount ( Maybe {$50000.00} ). 
The application was accomplished in no time with a promo code. Money was deposited. Payments and purchase were made. At the XX/XX/XXXX, I called Citi to inquire about the status of XXXX points and was informed that I had met all the requirements and the claim had been setup while the process would take up to three months to complete. XXXX XXXX is the date I should call back for the final result. 
On XXXX XXXX, I called to follow up. After spending more than half an hour waiting and explaining, I ended up with a lady who said she needed to confirm some information with someone and would call me back in one hour. I waited and waited and waited ... 
After more than two hundred and forty hours of waiting ( long wait, is n't it? ), I knew nobody would call me back and realized it was a scam from first place. On XXXX/XXXX/2016, I logged on to my online account, ready to request to close my account, only to find out that Citi started to charge {$30.00} since XXXX/XXXX/2016. Shocked, I had an on-line chat with a Citi representative, who helped to start an investigation which was supposed to complete in several business days. Hearing no further result after five days, I chatted again with another Citi representative to accelerate the process. This time, a document was received to promise a result in 24 to 48 hours. 
After two days with nothing coming, I chatted for the last time with a Citi representative. Not to my surprise, I was given an excuse that the promo was offered to targeted customers while I was n't. What? Are you kidding me, dude? Then why did you put an advertisement on internet and gave me a promo code? Nothing had been fulfilled except charging me {$90.00}? 
The conversation ended unpleasantly. I ordered them to close my account instantly, meanwhile, warned to file a complaint to CFPB. 
My request to solve the issue is either citi should award me {$50000.00} XXXX points or refund me {$90.00} and apologize for wasting my time.

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 2015-08-28 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: BC SERVICES, INC.
State: CO

Complaint narrative:
The debt is a XXXX bill which I do n't owe doing the time of this electric bill I was homeless living with friends and motels. I sent certified documentation to XXXX XXXX and the collection agency along with a 30 day dispute letter demanding that this be removed from my credit. 
I have been getting the run around from the collection agency ( BC Services ) with no response from either. the dispute letter was sent to both parties on XXXX XXXX, 2015. On XXXX XXXX 2015 I call BC service and was told they received my documents and the it was now in there dispute department to call back in two weeks. I did so on XXXX XXXX and was told there was no documentation showing where is living before. This is a false statement by them, records of hotel bills where sent at the same time to both parties. This is the XXXX collection agency in less then a year trying to collect and each XXXX I have sent dispute letter with no response. I feel this practice of holding on to debt for a short period time and then selling to another agency is unethical practice and should be investigated and stop.This has cause me to not get a loan from my credit union.

Company response to consumer: Closed
Consumer complaint received 2015-12-27 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I have a consumer Credit Card called Home Depot Card through Citi Bank. On XXXX this year, I made some purchases on-line for home improvement which was 24 months no interest per Citi bank advertisement. However, due to wrong estimates by Home Depot associates and lack of their stock, I had to return all material which yet to be delivered to me. I was told by Citi and Home Depot that the credit would take few days to appear on my credit card. 
There were some partial refund and an amount of {$480.00} was never refund as of today. I had so many communications but Citi is non-responsive. Sometime, even they response, the response has totally out of context and just to harass me. Failing to get a response from Citi, I wrote to Citi President XXXX XXXX and some other senior leaders. As attached, you can see there were no responses. 
Recently, they change my payment due to from XXXX of each month to XXXX of XXXX so that I can miss a payment and they can say, " oh, you have failed to make the monthly minimum payment on time and hence you are not eligible to get the promotional offer, you will be charged 15 % to 24 % interest rate until the amount I paid in full. I am attaching all correspondences ' here with this complaint. 
I have asked them to close my account but they have failed to do so as of today The fact is, Citi bank is in the habit of malpractice and as I can understand, few millions penalty by your office is not enough as they make billions of dollars by fraudulent means victimizing the consumers like me. Today, I have sent them another deadline asking them to close my account for the second time

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
My name is XXXX and I have already file a complain with CitiBankI. Case number : XXXX on XX/XX/2017. CitiBank answered that I was treated as many other clients and this is the reason that they denied my request of not paying late fees and accrued interests. I believed CitiBank did not acknowledge any of the points in my written complain. Therefore, I would like to contact them again and I would like CitiBank again to consider a solution to my debt credit situation. 
1. I requested from them to send me a paper bill which they have not done. 
2. I keep paying my debt every month more than {$500.00}, even I considered this debt to be unfair. 
3. I tried to contact XXXX, Citibank representative. I left my phone number and I have received no calls from him so far. 
4. Again, you have my letter and my plead to Citibank, I hope we can find a resolution in benefit for both parts.

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 2016-02-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION
State: GA

Complaint narrative:
I have recently been approved for Mortgage Assistance payments though a State program, and the lender, M & T Bank is a participant of this program. In XXXX XXXX, the Mortgage Assistance Program paid for XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX mortgage which caught up all that I had got behind in payments. The agreement made between the State Program and the Lender is to pay {$760.00} Mortgage Payments during the need of my assistance. I noticed that my XXXX XXXX and XXXX XXXX Mortgage Statement has XXXX Dollars ( {$70.00} ) Return Item/Other Fee ( XXXX ) listed where it was 'NOT LISTED ' BEFORE. This bank ( M & T ) is trying to sneak in fee XXXX s ) that is not warranted. I called M & T Bank on XXXX XXXX, XXXX regarding this charge of {$70.00} and was told it was a monthly inspection fee. There was no inspection ( s ) done - I have been unemployed since XXXX XXXX, XXXX and " NO ONE '' on behalf of M & T Bank came by to do a inspection. The next excuse was " someone could have rode by ''. Riding by is not an inspection to determine if the house is vacant or abandoned. This fee of {$70.00} " WAS '' added after the State Mortgage Assistance Program caught up my payments that I was behind.

Company response to consumer: Closed with explanation