vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
My house was foreclosed even after the lender submitted a Cease foreclosure request to the Court Judge. 
This has been a battle since XXXX, I have done back flips to keep my house, made payments that were sent back, tried for loan modification and denied XXXX. Then enlisted a group called XXXX who stated there was a loan modifcation completed and the lender stated to me to hold a bit until the paperwork is complete. Instead the foreclosure was done and then reversed by a Judge in XXXX. Then I paid mortgage payments to the court for one year on time every time until it was loan modified again. The loan modification arrived with the payment amount changed {$200.00} higher thatn what was agreed. Then we set up a mediation hearing that cost me {$250.00} each time. I cancelled the XXXX XXXX due to XXXX XXXX XXXX ) and I also was short of funds to pay {$250.00} again to go in complete XXXX circles and getting absolutely no where. Then here come a foreclose action again. and the the judge gave another opportunity to get the loan modified. I worked extremeley hard to get XXXX plus papers to the lender and I had a verbal pre-approval. They waited the last 2 days before the Foreclosure XXXX/XXXX/XXXX to send Cease Foreclosure and stated they would complete the loan modfication by XXXX/XXXX/XXXX, Letter can be provided. Now, supposedly since it is foreclosed and is owned by XXXX for {$85000.00}, XXXX I paid {$170000.00} XXXX I am waiting for the lender to give me word on an Investor and they will in turn place it back in my name with a loan modification. This has been going on for 3 weeks. I call every week and often XXXX per week. The 30 day window is upon me to get an order to vacate the court order which occured XXXX/XXXX/XXXX. 
Other issues include from XXXX, Breaking and Entering and Theft : changing the locks and entering my house, taking items more than once, going thru my personal dresser drawers as things were shuffled around, leaving deadbolt unlocked, leaving garage light on, cutting off my water, cutting the grass, all in an occupied house. I was living alone and had to be gone 1-2 days due to elder parents illness but when I return to my home, these things were noticed. 
XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-30 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I wanted to ask what happen with the XXXX is a issue that was happening at Citibank, when I came on board to the XXXX branch in XXXX Florida and while doing monthly audits I discovered numerous accounts opened without client authorization. 

I brought this to the attention of my current supervisor at the time alongside upper management and loss prevention an investigation was done to be done however since I brought forward those claims that showed numerous employees practicing unethical practices, I was considered a whistle blower and that 's when the retaliation alongside discriminatory behavior started against me until I was fired without merit. 

Is there a legal case against them?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
on XXXX XXXX, XXXX I was in need of a computer. I went to Best Buy in XXXX Ca. The floor staff directed me to the XXXX, and XXXX product. I said I can not afford the XXXX though it would be my first choice in terms of durability and quality. The staff told me, well, you can afford it because you can get a Best Buy credit card and I could pay off the computer monthly, with no interest. I was insistent was this true and correct? He said it was. I went ahead and purchased, also double checking with the sales staff at the register if in fact what I had been told was true. They said it was. I happily went home with my computer. I paid on the computer monthly, and never missed a payment, paying more when I had it, I am on XXXX and was recovering from XXXX XXXX, the computer was very important to me as I was limited in accessing outside my home. I checked today, XXXX XXXX, XXXX to see if the computer was paid in full, I thought it should be by now. I was told to my shock and horror that I owed, XXXX on the computer that cost XXXX! In other words I was paying for the computer twice! I told the credit card customer service that they owed me XXXX because I had overpaid them! On the original amount. They said sorry but in XXXX of XXXX they had ballooned payments so the amount I owed doubled. I said when I got the computer, no one said anything about balloon payments, in fact I was told it was interest free. Otherwise I would not have bought the computer at all, I knew I could not afford it if those conditions had been explained to me properly and had they not repeatedly lied.

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 2017-03-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Lending Club Corp
State: MD

Complaint narrative:
Completed an inquiry with Lending XXXX to refinance vehicle at a lower rate. In return I received XXXX individually credit inquiries which XXXX dofeereny credit unions checked my credit report. As a result my credit score has been impacted and decreased tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credit Service Company, INC
State: MD

Complaint narrative:
The collection agency was notified, in writing, that the discounted amount they are trying to collect was through my insurance company and XXXX. The services were covered by XXXX at the time of service. 
It has been 3 months and they still are saying I owe this money, even after I sent them a copy of my XXXX showing I do n't owe it. 
They also reported this to all XXXX credit bureaus. 
Every time I call them, they tell me they are still working on it. 
If you are disputing an account, the collection agency should not be allowed to put this on your credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I was a few days late paying-off the balance on my Citi card. The payment was due XXXX and I paid the balance owed on XXXX. I subsequently paid the balance owed on the statement due date of XXXX. Citi charged me interest of {$38.00} for the statement balance at XXXX through XXXX, even though they were paid-in-full on 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 monetary relief
Consumer complaint received 2015-07-29 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I obtained a Sears MasterCard on XXXX/XXXX/15 when I purchased a treadmill at Sears. The treadmill charge was interest free for XXXX year if paid in full in 1 year - it is called a promotional balance. My statement closing date was XXXX/XXXX/15 and my payment due date was XXXX/XXXX/15 the total balance owing was {$610.00}. On XXXX/XXXX/15 I made an online payment of {$620.00} paying the entire promotional balance in full. During the period XXXX/XXXX/15 thru XXXX/XXXX/15 ( my second statement closing date ) I charged XXXX auto repair charges which were reflected on my XXXX/XXXX/15 statement. When the credit card company received my XXXX/XXXX/15 payment they applied noting to the promotional balance of {$610.00}, which was also the total balance owing on that statement, but instead applied the {$620.00} to the charges that were made after the XXXX/XXXX/15 statement closing date. I requested that the entire {$620.00} be applied to the promotional balance, therefore, avoiding any interest being applied to that amount., but they have not agreed to do that. I feel this is a mis-application of my {$620.00} payment and I would like this corrected.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-18 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
In XXXX 2016, Citibank was offering a promotion of " XXXX XXXX XXXX points after opening a Citigold checking account and making XXXX or more bill payments in two consecutive months. Expires XXXX XXXX, 2016 '' under a promo code XXXX. At the time of the account opening, I 've reached out to Citibank online chat to verify the terms of the promotion and opened the Citigold checking account online. Once I 've received the debit card around XXXX XXXX, I 've called Citigold customer service and once again verified the terms of the promotion, which was as stated above and Citi representative has confirmed that I will receive XXXX points upon meeting the requirements. I 've also opened Citi XXXX credit card with an annual free and Citi IRA. After completing all the terms and conditions, I 've reached out to Citi customer service who is now refusing to honor the promotion after it has been confirmed and reconfirmed by Citi representatives. I 've attempted to get this matter resolve under case # XXXX & XXXX, however, I 've received a rejection.

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 2015-12-11 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I called the number on a letter I received XXXX/XXXX/15 dated XXXX/XXXX/15 confirming my on-line user name and the last XXXX digits of my ATM card number. It wanted me to confirm the information and tell me about the services. I contacted the number on the letter XXXX. Spoke to a XXXX in XXXX XXXX and asked what the letter meant. He stated they do n't send these type of letters out. I also ask him why they closed all the ATMs in XXXX and XXXX states. There are no branches either. I am unable to deposit money directly in my Citibank account. Now, I have to pay money for my another bank account XXXX XXXX or XXXX XXXX to transfer money into the Citibank account for my daughter who lives in XXXX XXXX. This gets costly for a person on Social Security XXXX and my husband is retired on Social Security too. Please tell me why they did this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I have credit card account with Macy 's in which I keep seeing random interest charges and late fees without any rhyme or reason. 

Even if I pay the amount in full they charge me with finance charges or interest charges. When calling their customer care department they waste a lot of time and then ultimately realize that the interest was incorrectly charged to the account. 

On another occasion, they started charging me interest on a 24-month long interest-free purchase saying they have no previous record of when the amount was charged. They only saw the outstanding balance and started applying the financing and interest charges without any logic. When questioned they reversed the charges but they have been a pain to deal with. It takes 4 hours to get to the actual agent who fixes the issues. It is insane how systematically they are conning their customers without their knowledge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-09 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 signed up for the {$400.00} checking account bonus online and have fulfilled the requirements for the bonus but have not received the bonus yet. I have called and secure messaged them many times to no avail. I have probably called in over 10 times and they keep stonewalling and escalating to no one. The promotion code was XXXX. Thank you.

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 2016-12-19 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX XXXX, Citi Gold XXXX branch Manager, wasted my time and blew me off with his unprofessional false promises. He failed to identify I.D . over a serious phone call regarding my Credit card account. Even worse, he read out my account number without identifying me as THE customer. After talking with me for only a few minutes after confirming my name, XXXX XXXX told me that he had my account pulled up, and then he read off my account number. This is Unacceptable and Unbelievable!! Where is identity Security?

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 2016-09-26 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am in the process of changing my name because I was recently married. When I changed my name with the social security XXXX earlier today, they recommended that I get a credit report so that I had a complete list of all of my creditors so they can be notified of my new name. When I saw my credit report, I saw an overdue account that had caused significant negative credit effects, and found out that my Bloomingdales credit card had been fraudulently used on XXXX XXXX, 2016. Apparently this was an online purchase of Lancome makeup ( which I do n't wear ), and which I did not make or authorize anyone else to make. When I called to complain about this, I was also told that my account had been closed in XXXX 2016 and a new XXXX opened shortly thereafter. I neither closed nor opened any Bloomingdales accounts during that time frame, and the opening/closing and XXXX XXXX charge are all fraudulent, unauthorized actions.

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 2015-04-28 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I received a letter from Sears Credit Services. The letter informed me that I was sent information earlier ( I received nothing earlier ) and that if I did nothing by XXXX XXXX my Sears credit card would be changed to a Sears Mastercard. If I preferred not to accept the " upgrade '' I was instructed to call a telephone number or go to a website. I tried calling but it would not accept my card number either by entering by voice or telephone key pad. It then asked for my social security number! The website had no place to turn down the offer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
The borrower 's name is XXXX XXXX ( maiden name ). Her former name, while married, was XXXX XXXX. On XX/XX/XXXX, we submitted an RMA and Request for Modification with all supporting financial documents to Suntrust, her mortgagee. Suntrust processes her modification through XX/XX/XXXX at which point they advised that the loan modification was being denied. The reason for the denial was that the borrower showed excessive mortgage obligations on her credit report. When we had the borrower pull all three credit reports, the only mortgage showing was this one to Suntrust. When we explained to the specialist/negotiator that we had pulled her credit reports and there was no other mortgage under her social security number, they refused to listen to us. THis is the borrower 's primary residence and therefore, we were at a stalemate. Borrower decided to appeal Suntrust 's denial since it was incorrect, and we provided Non-ID Affidavits whereby borrower signed under oath that she had no other mortgages. We even provided her credit reports to Suntrust to evidence only XXXX mortgage to Suntrust. Suntrust took a few more months, processed the appeal and came back with the same decision, denying her modification based solely on these grounds. Obviously, they are not running her credit report since that is tied to her social. But rather, going through public records where her sister in law ( her ex-husband 's sister 's name is also XXXX XXXX ) does have outstanding mortgages but none of which are tied to this borrower 's social security number and do not belong to this borrower ) We provided the credit reports to Suntrust to evidence our position and the lack of any other mortgage under this borrower. They again advised that they were going through her credit report and that her credit report showed more than XXXX mortgage. We asked to have them provided so we could rebut them and show that it was false, but Suntrust refused. As of today, the appeal was again denied on erroneous and unlawful grounds.

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 2015-12-15 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
Defendant : Sun Trust Bank - XXXX XXXX Branch XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX - Branch Manager and Assistant Vice President Phone : XXXX Fax : XXXX Email : XXXXXXXXXXXX Plaintiff : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone : XXXX Email : XXXXXXXXXXXX On Friday, XXXX XXXX, XXXX, arrived at the branch bank with my safety deposit box key to retrieve documents and gold jewelry. I was denied access to the box. The branch manager explained that the box had been assigned to someone else. The box was rented jointly with XXXX XXXX XXXX, my significant other. I hold both checking and savings accounts at that bank and have been using Sun Trust since XXXX XXXX. Any box rental fees should have been automatically deducted from the checking account. Except for the initial rental fee, I have never bothered to consider the rental fees. I was under the impression that the bank was doing its job. I have never received a bill for box rental fees. Rental fees were not discussed at the XXXX XXXX meeting.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: DC

Complaint narrative:
I am currently paying back federal student loans held by AES ( aessuccess.org ). I have been enrolled in their auto repayment program for years, where my monthly payment is automatically extracted from my checking account. I received a call from them earlier today, XX/XX/2016. The voicemail left by the caller was just silence, but after researching the number I was able to determine the caller was AES. 

After logging into my AES account, I saw a note that one of my loans is delinquent. Even though I 've been enrolled in their automatic repayment program, due to some reason they decided not to process my payment, and mark my account as delinquent. Nothing has changed with my checking account. There are n't any issues regarding a lack of funds available in the account. My other student loans that are held by XXXX XXXX are also enrolled in automatic payments, and those payments were processed successfully.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-13 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: Torres Credit Services, Inc.
State: CA

Complaint narrative:
My account was sent by Gas Company to the collection agency. This bill is paid but the collection agency has not removed my name from collection. Please advice.

Company response to consumer: Closed
Consumer complaint received 2016-12-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: TX

Complaint narrative:
I signed up for the REPAYE student loan repayment plan and direct debit of payment from my checking account. I paid {$150.00} according to the bill on XX/XX/XXXX and Fedloan Servicing deducted {$150.00} on XX/XX/XXXX. Yet they claim that I owe them {$150.00} on XX/XX/XXXX and have marked my accounts as delinquent. My loans are not delinquent ; I have paid according to the REPAYE plan and set up direct debit. I am not making twice as many payments as are required under the REPAYE plan. I plan on applying for public service loan forgiveness and need my loans not to be in delinquent status. I have contacted Fedloan Servicing, but they have not responded.

Company response to consumer: Closed with explanation