vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-09 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
Citibank had offered a modification on my equity loan and I agreed that it would certainly help however I was not delinquent at all. My loan was current and I was never late. They told me not to make the XXXX payment and to follow the new schedule and make to start making the payments XXXX/XXXX/2016. Well they completed the modification and reported to the credit agencies that the loan was late! This has now serious affected my ability to purchase a new home. The lender was all set to move forward with my mortgage until they saw the XXXX late payment. I have the 20 % to put down, enough in reserves, was per-approved, never missed a payment on my mortgage or equity loan in twelve years! I need Citibank to remove the " late '' report so the lender will process the loan. 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 non-monetary relief
Consumer complaint received 2016-06-29 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I signed up for Citibank 's promotional offer to open a CitiGold bank account and was offered XXXX XXXX miles within 90 days of completing the requirement. I completed all the promotional requirements and Citibank is now refusing to honor 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 2016-05-25 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I was offered a bonus of XXXX XXXX miles as a promotion for opening a CitiGold checking account on XXXX XXXX, XXXX. The requirements for receiving the bonus were as follows ; spend at least {$1000.00} withing 90 days and use the 'Bill Pay ' to pay a bill for two consecutive months. The requirements for the bonus were met on XXXX XXXX, XXXX and confirmed to be met by XXXX XXXX XXXX from Citi on XXXX XXXX, XXXX. She stated " Please allow until XXXX XXXX, XXXX for the points to be credited. '' I once again inquired about the status on XXXX XXXX, XXXX. XXXX XXXX XXXX from Citi once again stated " Welcome to Citibank, my name is XXXX. I have taken the initiative to request the credit of the miles, to your AAdvantage account with reference # XXXX. '' It is now XXXX XXXX, XXXX and Citi still has not awarded the 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 non-monetary relief
Consumer complaint received 2015-04-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
My loan is being serviced by Citi Mortgage and the owner of my loan is Fannie Mae. I have been trying to get PMI terminated on my loan from almost an year. Every time I start this process, i get different answers from Citi and they blame it on Fannie Mae changing rules. Initially I was told that PMI would be automatically terminated if I pay of extra mortgage payments and when it reaches 80 % LTV without reappraisal or doing anything. I did that then Citi told me that its not possible for automatic termination and I need reappraisal done. Then I requested when would be the scheduled automatic termination of PMI and they said there is no PMI termination without reappraisal. I get different PMI policy letters everytime I request PMI cancellation and they blamed the PMI policy changes on Fannie Mae. I called Fannie Mae requesting the rules and they mentioned the PMI policy changed only once in last year. I also lodged a complain at Fannie Mae and requested them whom should i believe. Currently my loan is lesser than 77.4 % LTV ratio based on original loan value but Citi keeps pushing for reappraisal and not offering automatic PMI termination clause. I need help from Consumer Finance to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have had a credit card with macys that was opened up in XX/XX/XXXX. I have had used this card many times and was making my payments on time and been very happy with the everything till I received a statement from them XX/XX/XXXX where it showed on statement that I owe over {$2000.00} to macys. I immediately contacted macys and brought their attention that this charges on statement did not belong to me and I assumed everything was taking care off because they send me a new credit card till I got my statement again from macys that shows a balance of over {$2000.00}. since that time I stopped using my macys card and even in even when I was shopping there I start using my visa and master card. I always had a great credit and have no dint in my credit report. Over 5 months ago I decided to get a new phone for myself and I got denied and I was kind of embraced at the same time very angry in what took place. I have a family member which he knows about credit and he told me let 's look at my credit report and I purchased a copy of my credit report and find out that macys has reported my account as charge off. I was so upset we have disputed this account with the credit bureaus and it came back as being updated with same information that my account has been charged off. at this point I need your help to resolve this issue for me. 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 2016-01-15 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Home Depot habitually credits my account a week OR MORE after they receive the payment, as verified by the amount being debited from my Credit Union account. They call, email and otherwise BULLY me for payments paid a week or MORE previously. This has been going on for several years, but lately has been WORSE. I 'm sick of them and do n't understand how they get away with this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-26 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
RE : CitiBank issued Home Depot charge card/s. [ Unauthorized ] deferred interest payment on purchases over XXXX. I was not made aware nor did I approve " Deferred Interest '' purchase at time of purchases. I neither made aware or given a choice to purchase these : NO INT FOR XXXX MOS - PMT REQ XX/XX/XXXX {$720.00} {$0.00} {$720.00} XX/XX/XXXX NO INT FOR XXXX MOS - PMT REQ XX/XX/XXXX {$550.00} {$0.00} {$550.00} XX/XX/XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: HOVG, LLC
State: OK

Complaint narrative:
For the past week I have received calls from XXXX XXXX XXXX XXXX. Calls would come in everyother day with the exception of the past XXXX days. The past XXXX days have been everyday. Each time they called XXXX in a row. When I answered each time they hang up. Finally yesterday XXXX XXXX XXXX 2015, after getting hung up each time i answered, I called back to see who it was. The Company is called Bay Area Credit Services. The guy who answered wanted me to give him my social, I declined to shre that info with him and he declined to tell me the reason for their numerous calls to me. So i then told them to CEASE AND DECIST all calling to me. They promised to quit calling. This morning at XXXX, they did it again. So I called back and spoke with a " XXXX XXXX '' who advised me that his supervisors name was a " XXXX XXXX ''. He confirmed that yesterday I requested calls to stop, but then he began to argue with me as to what I meant. When I told him to Cease and Decist all calls, he said that it would only pertain to the XXXX phone number they reached me at. I am no Rocket Scientist but when someone says to Cease and Decist all calls to me, that should mean to quit calling me and communicate with me by other means such as by mail. I have yet to receive a letter of confirmation for a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
i sent in a {$4000.00} payment to catch up on my house payment. the mortgage company did n't apply my payment then sold my mortgage. The new mortgage company is saying that i am a year behind and are trying to foreclose on my home. I am a single mother who wants to stay in her home. I ca n't lose my home to someone taking my money from me and not applying it to my mortgage like we had agreed. When questioned they said they did n't know where it was.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
It was XX/XX/XXXX that one of so call Citimorgage representative called and faxed congratulating me that, the HOME AFFORDABLE MODIFICATION PROGRAM that I had applied, has been approved. He said that, I have been approved for an interest rate of 2 % for the rest of the loan peroid, as long as I own my house. He said, all I need to do now is to make three ( 3 ) trail period payment plan, every month of {$1100.00} and at the end of the trial period, I will have to make additional payment of {$1100.00} for the closing cost. He said each payment however, goes towards my mortgage payment, therefore, I should concentrate making these three months trail payment. He said these payments can " only be received through XXXX or XXXX XXXX, which means that it 's only this ways I can send the money in, inother to fullfil the criteria and therefore, it is a different department that is handling this program. There and then, I started to wounder and suspect, if this is real or is this legitimate or Fraud Scam thing. He said they will forward every transation docs. papers to the office and my account will be updated by next Monday XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This issue has happened to me multiple times in which I was charged interest on a XXXX credit card account that had a remaining balance of XXXX dollars. I find out about the interest months after because I receive letter stating that they ( XXXX ) are trying to charge me interest on the interest that originally charged me for when I had a remaining balance of XXXX dollars. And when I called to tell them about it, sometimes they tell me that its my fault because it was interest on the pervious month. I try to explain to them that how is that possible if I did n't have a balance to even get charged interest. I even went as far as explaining to them about how interest is calculated and even gave them an example explaining that no matter the interest that I had XXXX times any interest is still XXXX. Recently I had to call again to the XXXX Credit Card service because the same issue happened in which I was being charged interest again for having a remaining balance of zero. I asked they and they said because I paid my balance off in two separate transactions, one was paid a little under 3 weeks before and the other a week before my payment was due, that 's why I was being charged. I told them how is possible if the balance was still zero a week prior to the end of the billing cycle. The solution that they gave me was to pay in a single transaction. To me that 's not a solution because it should n't matter how many times a payment is made if the balance is XXXX then no interest should have been carded.

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 2016-05-08 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
XXXX 2015 I sent a bank issued check to XXXX XXXX to pay off my credit card, the check was received and cashed XXXX/XXXX/15. The check was never applied to my account! I started calling them weekly as soon as I saw that it was not applied. They told me with each call that it would be investigated and would take XXXX billing cycles. I also sent a copy of the cashed check ( 3 times ), soon after they started calling me DAILY that my account was overdue. I explained the situation over and over for months as I could not get XXXX person to handle this problem. I 've contacted the XXXX which only increased the phone calls, XXXX of them just today! I have called XXXX which XXXX XXXX uses as their bank, and was told by XXXX that XXXX XXXX would have to handle the situation. I have gone to my local XXXX XXXX and spoke to the manager there, no help! I really do n't know what to do, can you 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 2015-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: John C. Bonewicz, P.C.
State: IL

Complaint narrative:
THIS COLLECTOR KEEPS CALL ME SKIP TRACING FOR XXXX XXXX, OR XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: BC SERVICES, INC.
State: CO

Complaint narrative:
ATTN CFPB THIS IS NOT A DUPLICATE COMPLAINT, THIS IS IN RESPONSE TO A LETTER THAT I RECIEVED IN THE MAIL FROM BC SERVICES. AS BC SERVICES IS NO DOUBT AWARE THAT THEY ARE CURRENTLY IN DIRECT VIOLATION OF THE FAIR CREDIT REPORTING ACT, BUT NOT LIMITED TOO. CFPB PLEASE FORWARD MY RESPONSE OVER TO THE COMPANY PLEASE. 

BC SERVICE 'S YOU HAVE NOW EXCEEDED THE 30 DAY TIME FRAME ALLOWED TO YOU BY LAW! 


I have previously enclose copies of my requests for BC Services to VALIDATE these alleged debts. These debts are not mine and I was given any evidence of my obligation to pay BC SERVICES these alleged debts to this collection company 's currently illegally listed on all three of my credit reports. 
The FCRA requires BC Services to VALIDATE the validity of these alleged items within 30 days. If VALIDATION can not be verified, BC SERVICES is obligated by law to remove these items. This is a clear case of unverified debt here, and I urge BC SERVICES to remove these alleged items before I am forced to take legal action.

Company response to consumer: Closed
Consumer complaint received 2015-06-08 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WA

Complaint narrative:
I have a 35 year old CD ( Issue date XXXX XXXX, 1980, initial deposit amount of {$200.00} and 12 % a year ) and I need help accessing the funds. The CD is in my great grandfather and great grandmother 's name ( XXXX. XXXX or XXXX XXXX XXXX ) and the issuing bank has been acquired multiple times in the last 35 years. The initial bank was XXXX, according to the FDIC 's website, after a string of acquisitions, the current institution is HSBC Bank USA , National Association. Please contact me with the best possible action to take to get access to the funds. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
My Citi XXXX credit card promises 1 % cash back on all purchases, plus an extra 1 % on payments. In my statement month ending XXXX/XXXX/16, I made {$3100.00} worth of purchases ( after deducting all merchant refunds ), and paid a total of {$3600.00}. This should come out to ( within {$0.00} of ) {$67.00} in cash back, but I was only given {$65.00}. After going back and forth with Citi customer service, they claim that there is a " purchase tracker '' that limits the cash back I earn on payments made. This is in direct conflict with the " unlimited '' cash back that Citi advertises with the credit card. Citi stated : " Your Purchase Tracker is calculated by taking the previous purchase tracker value, adding your new purchases ( minus merchant returns ) and subtracting your eligible payment ( s ) each billing period. '' I believe the problem arose from XXXX separate merchant refunds I received towards the end of this billing period. In an unrelated incident, there were fraudulent charges on my card which resulted in a new account number being issued. As a result, I was unable to use this credit card for roughly a week. Just after reporting the fraud, I paid off my entire balance excluding the fraudulent charges ( which were credited ). Based on Citi 's explanation of their " purchase tracker, '' this entire payment should have been eligible for cash back. Several days later, I received XXXX separate merchant refunds. Since I had been unable to use this account in the days leading up to this, it resulted in a negative balance. Once my statement was generated, Citi based my so-called " purchase tracker '' amount on the closing date of the statement. In other words, my payment was eligible for cash back at the time it was made, but not a week ( or so ) later, so I was not given the full amount of cash back. In our many online messages, Citi insisted that the correct amount was credited as cash back, but when I asked if the remaining {$2.00} would be added to my cash back on my XXXX statement, the response I got was regarding an EFT or physical check for the amount of the negative balance. I never asked about an EFT or check, as I already made enough new purchases on the card to account for the negative balance. My question was completely ignored. I want Citi to address my concerns and credit {$2.00} to my cash back balance.

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 2016-09-28 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have a credit card with Citi bank Simplicity card. On XX/XX/XXXX my mom lost her card which is the same number as mine, after she paid her XXXX center. Then after i went online and place a hold on my account so no charges could be put through, I find out there are XXXX in additional charges on the account. I ask them what it is, and the first charge is for XXXX which was for a charge for something that i did not receive that was cancelled. When i called Citi bank they made me hold for 54 min, and continue to disconnect the call, and then lied to me and told me prior to that the charge went through on XX/XX/XXXX when i have proof it was charged on XX/XX/XXXX after the lock date on my chard. now i have an additional XXXX of charges on the card which they still keep avoiding on explaining what the charges are, and keep passing me around.

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 2016-09-22 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
CITI bank issued a refund check for the amount of {$3000.00} on XXXX/XXXX/2016. I tried to deposit the check into my XXXX checking account. But, XXXX never released the funds to me saying that CITI placed a hold on the issued check. As a result XXXX suspended my checking account. When I called the CITI bank they issued me a replacement check for the same amount and I deposited into my XXXX XXXX XXXX checking account and it 's cleared. But, CITI is charging the first check of {$3000.00} on my credit card account ( but I never received these funds ). It 's impacting my credit score and each month CITI is generating statement with 23 % APR on the {$3000.00}. It 's been more than 2 months but the issue was not resolved. I contacted CITI and XXXX several times, but they never resolved this issue.Please help me to resolve this issue.

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 2017-02-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA
State: VA

Complaint narrative:
I am an Obligor on XXXX student loans taken out by my son. These loans have always been current. We make a payment to my son every month and he pays the loan ( depending on his cash flow he will contribute an amount to the loan payment ). Yesterday ( XXXX/XXXX/17 ) I pulled my credit report and found that it had dropped by XXXX points due to a delinquency on these XXXX loans ( 90 days past due ). I immediately called the servicer " FedLoan Servicing '' and cured the delinquency. I was very upset that I was not notified that the loans were ever late. Furthermore, I explained that I am a XXXX and that my XXXX Employment could be negatively impacted by their negligence to contact me regarding the delinquency and subsequent reporting to the credit bureau. They accepted my payment too cure the loan but appear to be unhelpful in resolving the credit dispute until I write a dispute letter. HERE IS MY ISSUE : They have a legal and moral obligation to rectify this matter with the credit bureaus. They failed to notify me, thus I was never given the opportunity to cure.

Company response to consumer: Closed with explanation