vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch
State: MD

Complaint narrative:
1. Lender has grossly mismanaged escrow account. Home was sold in a tax sale on XXXX occasions with most recent tax sale XXXX XXXX, XXXX whereas I had to pay the attorney fee of {$860.00} so that the lender could be permitted to pay the Maryland XXXX XXXX taxes which can not be paid until the attorney fee is paid which is why I paid the {$860.00}. 
2. Lender since XXXX, has failed to provide any yearly accounting for escrow account/disbursements nor has the lender provided monthly statements. 
3. Lender has failed to accurately provide XXXX statements reflecting correct interest paid during a particular year. 
4. Lender has failed to reflect accurate mortgage balances because I receive no monthly statements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18 00:00:00
Product: Prepaid card — Other special purpose card
Issue: Managing, opening, or closing account — 
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I had purchased a set of XXXX Good Year tires for my car from XXXX XXXX dealership in XXXX WI. At the time XXXX or XXXX XXXX was offering a {$100.00} rebate for the purchase of a set of tires. Good Year was also offering an {$80.00} rebate for the particular tire I purchased. The same rebate would have been {$160.00} if I had used my Good Year credit card to pay for the tires. XXXX XXXX XXXX XXXX XXXX purchased a prepaid credit card from Citi to put this {$100.00} rebate on. Good Year had also purchased a Citi prepaid card for {$80.00}. After receiving the cards I had misplaced them and thought they were lost. I could n't report them lost to Citi because I did not have the card numbers. I found the cards a week or so ago but they had expired. I contacted the Citi number on the back of the card and was told that the entire money balance on the card was forfeited to the bank on the expiration date. They refused to extend the expiration date or issue a replacement card. I was told that a lost card had to be reported within 60 days. The card purchased by Good Year had expired XXXX so I was reporting within 60 days of expiration and they still refused to issue a replacement for that card.

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 2016-09-08 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:
I have a corporate bank account with Citibank. Citibank has sent me an email in which it is asking for my confidential information ( personal financial details, date of birth, country of citizenship ) to be submitted to Citibank via email. I have no issue with providing this information. However, Citibank should know that it is not safe to provide this information over email. Such information should be submitted only via a secure website. Citibank should not encourage consumers to send confidential information over email as it is widely known that this is not secure.

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 2015-06-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
This is what happened. Citi mortgage has had us listed as an FHA loan, and we paid Citi Mortgage FHA insurance on a government fixed loan we thought we had. We ran into some financial difficulty a few years back, and got behind XXXX payments. We asked Citi for help, and they claimed they were going to modify our loan via the FHA Hamp 2 program. However, after alot of run around, submitting redundant paperwork ( even though on their statements say they keep the paperwork on file for 60-90 days ), we were still denied the FHA modification because we did not meet FHA guidelines. We were also not allowed to make our monthly payments while we were in this process either. In the beginning we, were only XXXX payments behind, at the end it was XXXX. They did put us on a payment plan for 3 months, which we made in FULL and on time, yet were still denied a an FHA modification. We ultimately had to file for bankruptcy to save our home, we felt they were trying to purposefully foreclose. We decided to give FHA and HUD a call, and they informed us our FHA number was never active and have not received any funds from Citi Mortgage over the years. We received our loan in XX/XX/XXXX as an FHA loan, and paid in FHA money that is on our statements, FHA claims they never received any funds because our FHA loan status was never activated due to lack of receiving packet from Mortgage company. Also, our old statements say " Government Fixed ''. Citi Mortgage still says our loan is FHA and puts our FHA number on our loan papers today. We started researching the matter and there are XXXX of people around the nation with the exact same issue, and Citi is doing the exact same thing to them. How could Citi be pursuing a FHA loan modification with an inactive FHA number? We still make our house payments today, but also have to pay a trustee {$650.00} a month, for something that we are not at fault for. Not to mention, Citi has never actually told our lawyers exactly what we were behind in payments, so they are guestimate payments at best, and they have added the missed payments onto our loan, where it appears we have taken out a XXXX mortgage! Which we have not. We have been in bankruptcy for over 2.5 years now, and it is been very difficult to say the least to maintain. We have 2.5 more years. When we were behind just XXXX payments, we should have received a FHA Loan Modification, However, due to the negligence and oversight of Citi Mortgage, we have had to deal with much greater financial and physical hardship. We understand Citi Mortgage has engaged in FHA fraud in the past, and would like help in determining if this is what has occurred with our loan. We also hope this helps many others whom are getting the run around and/or possible fraud from Citi to be helped with this as well. It has created many problems for our family.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I applied for a BUSINESS card for my CORPORATION only to find out that the Citibank ran a credit check on my individual credit. I did not authorize them to do that. When someone applies for a corporate card with its own tax id number then the bank should utilize the information and run credit on that legal entity applying for the credit. The entity has been in business for over 18 years and if the bank does n't want to provide credit to the entity that is fine but they had no right to run credit under my personal information since I was not applying for credit personally. This has a negative effect on my credit score since it reflects as if I personally applied for credit and reduces my personal credit score which has nothing to do with my corporation. That is the reason they call it a BUSINESS CARD and not a regular credit card. This conduct of bank is not justified and should be stopped.

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 2016-03-09 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
Advertised with : NO FOREIGN TRANSACTION FEES XXXX On XXXX we were charged {$50.00} foreign transaction fee. 

The card is advertised with no foreign transaction fee. Card ending in 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 2016-03-22 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I applied for a store credit card last XXXX 2015. I never received the card or any billing statements pertaining to the application. I contacted the card issuer to inquire as to status and they informed me that they had my address incorrect. Thereafter, I provided them with an updated address. In response, I was told that they would resend the card and billing statements. Approximately, some time in XXXX I called the card issuer again because I still had not received the card. In response, I was then told that the address was not entered correctly in their system and that they would update the address and ensure that I received the card and billing statements. They informed me that at the time I had a balance on the card due to the store purchase. I, therefore, paid my balance for the store purchase. However, I informed them that I did not believe that it was fair that I should have to pay late fees and interest when they had failed to deliver me billing statements. In response, I was informed that all late fees and interest would be waived. XX/XX/XXXX, I recently learned that I have a balance for late fees and interest due to the prior balance on the card. I immediately called the representative and informed her of the history regarding the failed delivery of the card and the billing statements. In response, she was very rude and stated even though I had not received a card or a billing statement that I was responsible for going online to view my balance. I asked her how I was supposed to do that without an account number and a card to set up an online account. She then became belligerent and repeated that regardless I am responsible for the late fees.

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 2016-10-05 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Citi failed to refund a double billing on my card from XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
My wife and I each opened CITI Gold Checking accounts with CITI Bank. I confirmed via instant chat on their website as well as over the phone that we were both eligible, targeted, and had met the spending requirements to earn XXXX AAdvantage XXXX XXXX miles to be credited to each of our accounts ( a total of XXXX miles ). They are denying ever confirming my eligibility and refuse to credit the miles.

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 2016-11-30 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: BC SERVICES, INC.
State: CA

Complaint narrative:
XXXX keeps sending a balance to a collection agency, but insurance already paid it. This has gone on since XX/XX/XXXX. A year later, XX/XX/XXXX, I filed a grievance with our XXXX XXXX XXXX XXXX complaining about this on-going issue ( 2 yrs now ), in which the insurance company wrote back on XX/XX/XXXX stating the collection agency would be notified and all would be handled. However, XX/XX/XXXX we received yet another collection bill for {$520.00}. I called XXXX XXXX XXXX and spoke with XXXX, a representative. She spoke with the collection agency that this matter was already resolved. They instructed her to call XXXX because that 's who 's submitting the information for collection. XXXX spoke with XXXX at XXXX while I was on the line. After " investigating '' everything for almost an hour, XXXX had all the necessary paperwork showing the insurance took care of it so this issue should 've been resolved and that XXXX, my husband XXXX XXXX, should never receive a bill because of the type of coverage we have. XXXX assured us that this was handled. However, in XXXX XXXX we received yet another collection bill for {$250.00} with XXXX of the last transactions from the previous collections statement. On XX/XX/XXXX I spoke with XXXX XXXX XXXX about this issue AGAIN. She investigated, contacted the collections department and XXXX and said that all should be good. I just called the collections agency today, XXXX/XXXX/XXXX, to verify the status and found out they still show a balance {$250.00}. I then called XXXX to find out what was going on in which their system showed we have a XXXX balance. XXXX said they would forward the information to the collection agency and for me to call back tomorrow to verify if all is cleared, but refused to send me anything in writing that this matter is resolved. Meanwhile, my husband ca n't order any needed supplies ( we can order, but they wo n't ship it ) because in the " system '' we 're in collections. My husband has had to XXXX when they 're supposed to be updated regularly. XX/XX/XXXX XXXX with XXXX forced an order of supplies, but now our authorization has expired because of all this aggravating miscommunication between XXXX and their collection agency. I think this is unacceptable and the aggravation my husband and I have had to endure since XX/XX/XXXX because XXXX ca n't get their act together has led to this formal complaint. My husband is a XXXX and should n't have to XXXX, etc. I am hoping an investigation can be conducted in this completely outrageous situation so XXXX will be held accountable for the additional stress this company has put us through for 2 years!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: ME

Complaint narrative:
I was 30 days late on a XXXX phone warranty due to a computer glitch on my computer. 
This has dropped my credit score from excellent to fair I feel this is not right I always make double and or triple payments on everything I purchase.This was with Best Buy and i have talked with them but they said the can drop the late payment fee but can not change the reporting to my credit report.This was not my fault I am never late on an any bill but my computer stopped payment without my knowing.I work hard to keep excellent credit and feel I deserve a chance to have this corrected.Can you please help me out.Thank you XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
We had a mortgage loan modification agreement in which Citigroup XXXX XXXX XXXX XXXX did not comply with the Loan Modification. The mortgage was assigned to Citi from XXXX in XX/XX/XXXX. In addition as a result of a settlement agreement between the United States and Citi in XX/XX/XXXX, we and other consumers were to be contacted by Citi in regards to the settlement agreement and advised of our rights under it, however Citi never contacted us and most likely many other consumers about their rights under the agreement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I signed up for a Citigold Checking account from Citi bank after receiving an offer for XXXX AAdvantage Miles if I opened a new account, paid XXXX bills with automated billpay, and spent {$1000.00} with the debit card. I opened the account on XXXX XXXX, XXXX. I satisfied all requirements XX/XX/XXXX and received a secure message via the citibank website on XXXX XXXX from XXXX XXXX stating the following : " After my review, I confirmed that with the bill payment on XXXX/XXXX/XXXX and your total debit purchase of {$1000.00} being met on XXXX/XXXX/XXXX ; all promotional requirements have been met. To set your expectations, the miles are automatically credited 90 days from the end of the statement cycle in which the requirements were completed. I was able to calculate that the miles will be credited to your AAdvantage member account by XXXX/XXXX/XXXX. Please keep the promotion code on file for reference, and in case they do not post with the XX/XX/XXXX statement, please send us a message with the code so we may research it further. '' My points had not posted by XX/XX/XXXX so I sent them a secure message on XXXX XXXX to ask when my points would post. I first received a message back on XXXX XXXX saying Citi bank would look into the matter. I received another message on XXXX XXXX stating the following : " Unfortunately, you are not eligible for this XXXX miles promotion ( XXXX ). While Citi does offer XXXX miles promotions at times, this offer is available only to targeted Citi card members who received the offer via a direct communication from Citi. Our records show you are not a targeted client. '' This directly contradicts the fact that I received the promotion code. I have screen-shots saved from my account sign-up process to prove it.

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: Consumer Loan — Personal line of credit
Issue: Shopping for a line of credit — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
sears used my personal info to open a home improvement account in my name and my credit rating dropped by XXXX points the sales manager committed fraud i only called them for an estimate

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 2015-09-18 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
They are using automated robocalling to mass calling me multiple times per day.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-05 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
My Brooks credit card changed banks, I continued to submit payments in my usual fashion. I began receiving calls from CITI, saying my account was past due and demanding payment. When I was able to contact CITI, I was told I should contact the bank I had been making my card payments to since 1999. The payments were made through my bank 's bill pay system. I discarded my old Brooks card when the new card came in the mail. How can I retrieve the sent payments and rescind the late fee charged by CITI?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
. At the time of the recession when everyone was losing or walking away from their homes we were given a trial mortgage by Citi which we paid every month with the promise they would modify the loan. after the trial period they put all the interests back, did not modify us and put us in foreclosure as mentioned.So happens they put us in foreclosure and we had to pay back a lump some of money to save our home from going into foreclosure. Now there is a {$15000.00} dollars plus interest on our loan which makes our monthly payments very high and the XXXX dollars we had to pay them to save the home despite the fact we were still making monthly payments they told us to pay. I would like a full investigation in our account held my current lender and previous from the initiation of the mortgage with citi back in XX/XX/2004 and the current holder of the loan citimortgage. WE are stuck in a rut, and can not move forward like everybody else and we are reliable and responsible citizens.WE can not refinance or get the benefits of a Harp or lower interest rates. Our credit was ruined because we were promised what we did not get. The people who benefited are those who have money and can more than afford.

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: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
CITIBANK XXXX Mastercard : My terms and conditions indicate that if my balance is paid prior to the end of my billing cycle that no interest on purchases will occur. Interest is only charged on any remaining balance left at the end of the billing cycle. For My Citibank Mastercard I paid my balance in full before the end of my billing cycle on XXXX XXXX 2016 but then was charged interest of XXXX which I was unaware of. The balance then remain unpaid at the next billing cycle and I was issued a late fee. I have a transcript of the conversation I had with Citibank Customer Service and they indicate theat I am correct about this but then back track and try to convince me that interest is due.

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 2016-11-05 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
I was text that some one was using my Macys card credit

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: Other fee — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Purchased a product with 24 months deferred interest. Figured out automatic payments to pay off it 23 months. Did not pay off in 23 months and was not notified of that fact. Charged all of the interest previously accrued at 25 %. Called to see if they would forgive remaining interest and they declined. I should have been notified that date was approaching so full payment could be made.

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