vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Previous to this complaint I had lodged one other complaint directly to the CFPB. That complaint was Case Number # XXXX. The second complaint came through the SEC as complaint Case Number # XXXX. In New Jersey, the court system is corrupt and XXXX XXXX XXXX XXXX XXXX has garnished favor from the court system to run roughshod over the state producing an effective foreclosure mill that should be investigated by the highest members of state. I have personally run across members of lawfirms that have given up fighting the corruption because the banks represent huge power structures whose poison has infected sound and fair judicial decisions. The status quo in New Jersey is now, push foreclosures through the system as quickly as possible to secure the hard asset, and deal with whatever circumstances at a later date, should that happen to be the case. I highly doubted the CFPB was going to do more in either case than to bring the parties together in an effort to broker a deal. This was not my initial stance. The initial position was for Citimortgage to produce the wet ink document. Without such, there was no case to negotiate. The CFPB contacted Citimortgage under the guise of negotiator, and Citimortgage was allowed to play games and play innocent to secure a position of negotiation. Because of this, a sheriff 's sale was scheduled on XXXX/XXXX/2015, but I have submitted a two week delay for a new date of XXXX/XXXX/2015. How the above mentioned lawfirm got to such a quick sale date still mystifies me, as I had checked the website for sales, and up until a few weeks ago, property sales were locked in until XXXX XXXX, and my property was not even on the ledger. I am currently exercising my options as to remedy this issue. This notice serves as a notation by me to the CFPB as a footnote to future legal settlements. I do not expect the CFPB do much more than what they have already done. I will submit, that I want a documented complaint in which I state in the strongest language, the absolute sinister behavior of the system of jurisdiction and its group of minions who seek the destruction of the average American family. Because these matters are usually addressed in greater detail over time, should this matter come up in the future, let this submission stand, that I have stated beyond a reasonable doubt of corruption, and acts of enrichment, while professionals of law had to sit idly by to watch the perversion of the law and its decimation by the corrupt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I opened a Citigold account today based on a promotional offer ( Promotion Code : XXXX ) XX/XX/2015. I met the terms of the promotion as confirmed by Citi representatives in two separate instances ( attached ). 

When the promotion points did not post to my account after 90 days of meeting the promotion requirements, initially Citi first said that was because I was not targeted for this promotion. When I showed then that I was targeted, they took another 60 days to respond with a different reason for rejection. This time they cited Terms and Conditions that did not exist with the promotion I applied under. Specifically they stated " Citibank only offers one promotion per customer, as stated in the terms and conditions. '' while the promotion terms and conditions stated " To be eligible for this limited-time offer, you must not currently have a consumer checking account with Citibank. You are not eligible for this offer if you were a signer on or owner of a Citibank consumer checking account within the last 60 calendar days. '' How can XXXX Citi agents confirm that everything is OK and I will be getting my points soon, and then another agents gives a completely different answer? Who is a consumer supposed to trust? If XXXX Citi agents, on different occasions are not able to accurately understand the terms of the promotion, how is a consumer supposed to understand?

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 2016-04-05 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I have been making payments on my credit card bill on time and more then the amt due and Macy 's have lowered my credit limit twice. The first time I dealt with it but this time they took all the money I had made and left me with a {$500.00} limit and available {$29.00}. I made a total of {$370.00} ( available credit ) and was left with a balance of {$420.00} to pay off. Macy 's had no reason in lowering my credit limit. I cancelled my card and will be cancelling the last payment made with my bank. Macy 's does not appreciate their customers especially the ones making payments on time. How can you just take away my money?

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 2015-12-26 00:00:00
Product: Consumer Loan — Personal line of credit
Issue: Managing the line of credit — 
Company: Lending Club Corp
State: TN

Complaint narrative:
I did a pay off of {$9000.00} on Lending Club as of XXXX, 2015. The account is closed and the amount paid, was accepted as payment in full by the company. They have refused to acknowledge my request for a letter documenting this as well as updating my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-08 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Credit card company lowered revolving credit line. I have paid balences all along with over XXXX in assests. This has affected my credit score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-11 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
Citi offered me XXXX XXXX XXXX miles for opening a Citigold checking account and fulfilling certain account requirements. I met those requirements and even got confirmation from a Citi representative through a chat session that I had met the requirements and would receive the bonus by XXXX XXXX. When I contacted Citi a few days ago, they told me that I am not eligible for 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 2016-11-11 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I have a prepaid Citi Visa debit card from XXXX, XXXX XXXX which expired with {$50.00} on it on XXXX 2016. According to the Consumer Financial Protection Bureau, this card should be replaced with a like card or a check. I contacted Citi Card Services on XXXX XXXX XXXX to ask for a replacement card XXXX with the instructions on the CFPB website. I spoke to XXXX ( employee ID : XXXX ). He said they would not honor the card or issue a replacement regardless of what the CFPB said. The address he gave for Citi Credit Services was XXXX XXXX, Pa XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-22 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 opened a CitiGold checking account online in XXXX of XXXX. At this time I was already a Citibank customer with an credit card account that earns their 'XXXX Points '. The checking account was opened using a promotional offer that Citi had, which provided a bonus XXXX Points ( worth approximately {$500.00} ) once the following conditions were met : that I make XXXX bill payments in XXXX separate months within 2 months of opening the account. I opened the account, and verified ( via Secure Message and using their Online Chat application ) with Citi that my account was opened using the promotional code, and that I had met the requirements of the bonus. I was told in accordance with the promotional terms that the bonus points will post within XXXX statements or 90 days of completing the requirements, which would have been XXXX XXXX, XXXX. It is now XXXX XXXX, XXXX, and I have paid {$90.00} total in monthly fees to Citi, and Citi has not upheld its side of the promotion. Citi now claims that I was never eligible for the promotion, despite the fact that they confirmed my eligibility several times and provided specific dates and milestones that correlated to that eligibility. This is very unfortunate in that in the seven months this account has been open, numerous Citi reps have confirmed my enrollment in this promotion, eligibility and satisfaction of the promotion requirements to earn the bonus for this checking account. The last Citibank rep I spoke with told me that the points would post within 90 days of meeting the requirements. Only now, after they have collected fees for 90 days of waiting, did Citi decide to inform me that I am not eligible. If I was ineligible, why was I not informed earlier? I understand that Citibank reserves the right to 'target ' specific customers for promotional offers, however, the onus is then also on them screen applicants who apply for their eligibility for said offers. Instead, I was able to open an account under this promotion, and then falsely told multiple times that I would receive a bonus which is now not being honored. Therefore, I find this practice to be very deceptive and would like to file a 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 2015-06-29 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: NH

Complaint narrative:
I have had a Citi credit card since XXXX ( almost XXXX years ). In those XXXX years I have built up my credit history and have maintained a pristine record. I was a consistent user of the Citi credit card for over a decade until their level of service declined, their interest rates went up and I decided to use other cards. I have occasionally still used my Citi card, but not as consistently as before. A few days ago I received a letter from Citi informing me that they were terminating my credit card as well as the credit line associated with it. This damages my credit availability and my credit history ( since this is one of my oldest credit relationships ). I would like to have my credit card reinstated under the old terms ( prior to the unilateral cancellation ). I do not want to have my credit report pulled for the purposes of reinstating my account as this lowers my credit rating/FICO score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Citi student loan was sold to a government loan. It has been 7 years since XXXX/XXXX/2009 I disputed this to be taken off my credit report with all the credit report agencies. Instead of removing this old account that is 7 yrs old which is a violation of the fair credit act. That 's suppose to protect consumers. The reporting agencies made it like it was a new account and just said I was disputing the item. It had been closed for 7 yrs. now since they did that it made my score on XXXX, XXXX, and XXXX go down XXXX points or more. Please help me to remove this account from my credit reports so I van continue to work building my good standing credit with no late payments. Thank you for your help on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I have submitted a bona-fide, duly recorded Deed/Title to your division contained in my complaint packet, but your agents continue to perjure themselves by saying they have not received it. I can prove the mail arrived at your XXXX, Iowa location, with the correct address ; but, you refuse to acknowledge the mailing, and therefore have committed mail fraud. Tampering with the mail is a federal offense, punishable by fine and imprisonment. The US Postal Service has confirmed that my letter of complaint reached your mail room. You are shielding criminals, and therefore acting as their messenger ( s ). Your Director, XXXX XXXX, will answer to his Senate Critics for this. Your Bureau is shallow, shady, and needs not only to clean up its act, but to be disassembled and reassembled. I will not rest until the world knows that your Director is in bed with XXXX XXXX of XXXX XXXX, XXXX XXXX XXXX of XXXX XXXX, XXXX XXXX XXXX and partner in crime XXXX XXXX, XXXX XXXX of XXXX Bank and XXXX XXXX of Ocwen Loans. All of your are guilty of suborning perjury, obstruction of justice, and violation of the Dodd-Frank Wall Street Act. This will all blow wide open, and I hope all of you end up in prison!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
On XXXX/XXXX/2016 I applied for a Citigold Checking Account online and provided the code I received for a promotion of XXXX XXXX after spending {$1000.00} dollars in purchases and making XXXX direct bill payments. Citibank accepted my application and I printed the page where it stated that I had responded to this promotion. ( see attachment ) I completed the requirements for the promotion. ( see transcript of chat attached ) I sent a secure message to Citibank asking when the miles would be deposited and they answered that I " was not targeted for the promotion ''. 

This answer is not acceptable. They accepted my application with the promotion and their customer service representative confirmed I met the requirements. 

I opened XXXX investigations and still have not received a favorable result. 

I expect Citibank to honor this promotion. This looks like a dishonest marketing strategy to attract customers to open an account that has a $ XXXX monthly fee.

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 2015-07-27 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
My XXXX mortgage with XXXX XXXX XXXX increased {$200.00} last year and now {$500.00} this year. My husband is ill and has been for XXXX years. We have been struggling since this time because he has been unable to work. He does now get social security, however, the medical bills and the mortgage increase has made it impossible for us to keep up. I have been trying to get a loan modification with XXXX and CitiMortgage and the time it takes is ridiculous and having to keep sending the same documents is not right. We are XXXX payments behind with Citi but XXXX payments behind with XXXX now. Please help us keep our home. I work for a mortgage servicing company and we help people all the time no matter what.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Citicards has been mailing me offers for XXXX bonus miles if I open a new credit card and spend {$3000.00} in first 3 months every 1-2 weeks for past few months. I finally applied for the card, was approved and spent over {$3000.00} in the time period specified. However they did not honor the bonus miles offer. I called and talked to an agent that told me I was n't eligible since I closed a Citicard 18 months ago. BUT if I am not eligible, why did they send offers to my house almost every week?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Complaint : I did not receive my XXXX XXXX Miles bonus promotion for my new Citi Platinum Select Master Card : XXXX XXXX 2015 I received an e-mail invitation from XXXX XXXX to apply for the new promotion which after making purchases of {$3000.00} within the first 3 months I would receive XXXX Bonus XXXX miles. On XXXX XXXX, 2015, I applied online and was approved for the new card. In a few days I received the new card. Within the 3 required months, I 've made more than {$3000.00} in purchases and made timely payments and to my surprise I did not receive the XXXX XXXX miles. I contacted Citi Card and after an investigation I received a letter explaining that because, " you either opened or closed another XXXX XXXX account within the past 18 months. ", they were unable to apply the XXXX miles. 
If I had a previous Citi Card ( turns out I did - I closed a credit card 15 months ago ), I should have been informed when I applied that I would not be eligible for the XXXX promotion, and not to issue a new card apparently hoping it will go unnoticed by me. I consider this intentional and underhanded business practice by Citi Card. Last week, I spoke to someone on the " CEO Citi Card Team '' and she said it should have been stated in the Welcome letter that I was not eligible. I explained that It was not and they have not issued the XXXX miles. I noticed in today 's news that CFPB has issued a penalty against Citi Card Bank and I agree that are guilty of " deceptive business marketing ''. 

P.S. I was not ware of any " XXXX Month Rule ''.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-19 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a credit card with Citicards, and initially had a payment due on XXXX XXXX. I made the payment at XXXX PST on XXXX XXXX, however as they state it was past XXXX ET ( even though I live in CA ), a late fee and finance charge was applied. 

I paid both of those and my balance in full on XXXX XXXX, and received a confirmation email stating the payment was applied on XXXX XXXX, my due date. 

For XXXX, Citi applied a finance fee on my account. I called on XXXX XXXX to dispute this charge, and when speaking with the customer service rep, I was told because my XXXX bill was paid on XXXX XXXX, I was applied a finance fee. I let the representative know that I have an email confirmation stating my payment was applied on the XXXX of XXXX, however due to delays in banks, it might not have posted until XXXX XXXX. The customer service rep was adamant I made a late payment, however he would work with his supervisor to see if the charge could be waived. 
The customer service rep ended up crediting the finance charge, however the excuse he used was since I 've been a customer for 19 years. The reasoning should be because I made my payment on time, as noted by the automated email supplied by Citicards. That is very suspect that they note a payment as paid on time, however apply finance fees to their customers, and I suspect this is being done to other customers unknowingly as well, and are illegal.

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 2017-03-21 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A.
State: PR

Complaint narrative:
Costco Wholesales in XXXX XXXX offered a Credit Card with XXXX XXXX. I had the credit card for years without any problem. Costco decided to change their agreement to a Citi Card and to send a new credit card over mail. I received the letter that they were changing to Citi and I had no interest into using the new Citi Card provided by Citibank, so I cut the new card ( broke it ) and throw it to the trash. As the card said : " Call XXXX XXXX to activate your card '', and I had no interest into activating that card, I never called for activation and I never used it. I expected the obvious to happen : that having no activation in the card ; No One was authorized to charge anything to that account ; I never authorized it 's use! It 's my credit and only I am entitled to authorize its use! Surprisingly, Costco charged it 's annual fee to that account, and instead of Citi telling Costco that there is no active account because I never authorized the use of that account, Citi is making me liable for such fee plus their charges! -- So convenient for them to charge fees on an account that I did n't even know it was unfairly and abusively activated. So I complained to them, they said they close everything, and now I just received another letter that after their investigation, they are reopening the account and charging me. Can you help me understand my rights? I believe this is at least unfair, deceptive and abusive. If I never activated such credit card, how am I supposed to be expecting to pay them any bills?

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