vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Since 2010, I have been applying for homeowner assistance with my mortgage loan and my lender has been unwilling to assist, providing me with only canned decline responses after taking an inordinate amount of time to complete the review process. The initial review took over one year, and the most recent over six months. The bank seems determined to foreclose on my home and, therefore, has made no sincere effort to provide any assistance that would allow me to remain in my home, actively pursuing foreclosure the entire time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-09-12 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I 've been paying off my Citibank student loan on time through an automatic transfer from my bank account for the last 4 years with the same rate. Recently, I received a call from a debt collector so I investigated what was going on in my account. Turns out, my interest rate increase from 7.25 % to 7.5 % in XXXX 2016. Because of this increase my bank did n't transfer the proper minimum amount which led to a small fee adding up over time and the debt collector call 5 months later. I went ahead and paid the balance but continue to receive calls from the debt collectors 5x or more per day. The only notice of this increase was hidden in my electronic statement the month of the increase. There was no warning and since I receive electronic statements that you have to login to review this was too easy to miss. I emailed Citibank about this issue and received this strange reply : " Interest rates for our private student loans are variable based on the 3-Month Prime Rate index as published in the Money Rates section of The XXXX XXXX XXXX, rounded up to the nearest one-eight percent plus a margin. The margin does not change ; only the Prime Rate is variable. Variable interest rates are adjusted quarterly on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX based on the published 3-Month Prime Rate index 30 days prior to those dates. 

Private Loan interest rates have increased by .25 % for XX/XX/2016, effective XXXX XXXX, 2016? XXXX XXXX, 2016. The Prime Rate published in The XXXX XXXX XXXX on the reset date changed to 3.50 %. This is why your payment increased. The notice was on your statement. 

Your payment due on XXXX/XXXX/2016 has not been received. 

Please be aware that your account is past due. Collection activity will continue until this account is brought current by either making the payments due or through an approved deferment or forbearance. Remember, making your student loan payments on time may help you build and maintain a good credit history. '' I feel like I 'm being taken advantage of and need help. Thank you for looking into this!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
by XXXX of XXXX the home depot credit card by citybank group take frm my XXXX checqing account the amount of XXXX when the real amount was XXXX the stated a investigation nd the resolution was refound my money by XXXX XXXX i called asking what happend and they post the money in another account, by XXXX XXXX a called again and the post the money in anotheracount today i call again and they say the money for thirt time will be post in my account please help me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-12 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Citibank has closed my account because I have disputed a transaction of a service that they promptly issued a credit for even indicating that they appreciate my business. Yet, a couple of weeks later, my account was closed and all my rewards associated with it were voided. In addition to this, I stopped being able to see my statements online and the Executive Office associate I spoke with told me I would start receiving them in paper format from now on. No statements have ever since been received since account closure. I have been receiving calls from this lender at XXXX inquiring why I am not making my payments, when I have contacted Citibank multiple times requesting the adjustment of the balance so I make my payment in full. This includes the removal of the late fees, interest and finance charges for the reason stated above and requesting the honoring of the rewards that were voided by them and not me. Otherwise, no more payments will be done on this account and a lawsuit against these abusive and predatory lending practices will follow. I would also like to add that when I first became aware of the account closure, I repeatedly contacted this lender explaining to them my concerns and even speaking to a representative in the collections department who told me they could only act on rectifying my concerns on the account balance if I defaulted on my payments. Yet, nothing is being done to help with my issues.

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 2016-06-23 00:00:00
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
i had a credit card issued from Citibank and was a cardmember for more than 25 years with good credit and payment history. Around early XXXX I had trouble making my payments and tried to work with them. On XXXX XXXX, XXXX, Citibank put me into a program that had me make smaller payments and sent me an agreement that said if I made all of the payments they will re-open my account in 12 months. Right around the XXXX month, I made my regular payment and expected to have the account re-opened. Citibank then said that in order to do that, I would need to make a regular payment for the balance that would be around {$600.00}. I told them that they never told me that when I agreed to the agreement they sent me on XXXX XXXX, XXXX. They told me that " The system, that makes all of these decisions is the one who decided that, in order to re-open my account, I would need to pay that amount. I did pay, even though it was very difficult and then about two weeks later in early XXXX XXXX, they told me that they were not opening my account and the full amount would be due at a rate of 30 %. I told them that they promised me that they would work with me and understood at the time the economy was terrible, but ended up putting me in collections. When I tried to stay out of collections, during a call to XXXX of their collection agents, I let them know I could afford a {$200.00} payment and they laughed and said " why bother ''. 

My Debt has been sold to many debt collectors, and the latest sent me today a so called validation of my debt which also included someone else 's debt information which I believe is illegal. 
I think Citibank has violated the terms of the agreement it entered with me. I believe that they misled me in this program that was going to help me defer payments due to financial hardship. I do know that last year around this time you were successful in getting them to correct this predatory and deceptive marketing.

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 2015-05-06 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FMS Inc.
State: MD

Complaint narrative:
FMS is reporting to XXXX and XXXX that I have a collection but there is no amount. I do not have any outstanding medical debts.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-24 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a reoccurring interest charge on a purchase from 2014

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 2015-10-19 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I closed my account with Citicard XX/XX/XXXX. I had been a loyal customer of Citicard since XX/XX/XXXX, and received paper bills and paid them in a timely manner every month for 14 years. After I closed my account, I cut up my physical card, and stopped using the account. Unbeknownst to me, there was a small balance - under {$10.00} - remaining. I did not receive a paper bill to indicate there was a balance. I received a call from a collection agency saying I now owe over {$88.00} which includes XXXX charges of {$25.00} for late payment - plus interest. My card has been closed! They say I switched to e-billing. I assured them I had not since I get ALL my bills from every vendor mailed to me each month.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-02 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/XXXX, I filed for a modification with Citibank for my XXXX mortgage ( acct # XXXX ) due to reduced income and the XXXX mortgage going from interest only to fully amoritized which increased my payments by more than XXXX %. I entered into an agreement with Citibank to pay the reduced amount of {$520.00} for three months trial period. My payments were made per the signed agreement and the loan was modified. As a result, CitiMortgage reported me as making late payments and not paying as agreed. Due to the late payments showing, I submitted a request to CitiMortgage to have the report corrected. They refused and I placed a dispute on my account. On XX/XX/XXXX, I pulled a credit report showing late payments XX/XX/XXXX for 30 days XX/XX/XXXX, XXXX and 60 days XX/XX/XXXX. In an effort to refinance this loan in XX/XX/XXXX, the lender required me to remove the dispute from the CitiMortgage. It was then discovered that CitiMortgage was now showing late payments XX/XX/XXXX for 30 days XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and 60 days XX/XX/XXXX. As aresult of this misrepresentation, my credit score dropped by as much as XXXX points on XXXX of the bureaus. This decrease in my credit score cause me to pay a higher interest rate for the refinance because my score fell below the required threashold for an optimum rate. 

I no longer have this loan with CitiMortgage but I was harmed financially as a result of their actions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
XX/XX/XXXX Citimortgage suggested the HAMMP plan to reduce my mortgage. I applied and made EVERY SINGLE REDUCED PAYMENT on time to Citimortgage. Then XX/XX/XXXX CitiMortgage contacted me and said I did not qualify for the HAMMP plan. They said I did not make enough money. So they demanded all of the money that they had reduced my mortgage by immediately. Since I was unable to pay they foreclosed XX/XX/XXXX. They went back and adjusted my credit report to say that I was late for nearly a two ear period. This type of credit reporting is unfair. I made the payment they were requesting on time!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Credit card — 
Issue: Balance transfer fee — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was sent 0 % promotional balance transfer checks for my Citi credit card. The letter attached with the checks said in large letters at the top " 0 % Promotional APR on Balance Transfers until XXXX/XXXX/2016. After that, your standard variable rate applies, currently 11.99 % APR. The standard balance transfer fee is {$5.00} or 3 % of the amount of each transaction whichever is greater. '' However, apparently the balance transfer fee that applied to the checks needed to use the 0 % offer is 4 % of the amount of each transaction. This is extremely misleading advertising, I decided to use XXXX of the checks to consolidate balances on other cards assuming a 3 % fee, however I was actually charged 4 %. I transferred {$10000.00} using these checks, so I ended up spending {$100.00} more than I expected based on the rate listed on the letter accompanying the checks. The reference numbers at the bottom of the letter are " XXXX -- XXXX -- XXXX '' and " XXXX -- LOT XXXX ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-20 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XXXX, 2016 I purchased chocolates from XXXX at the XXXX in XXXX. The saleslady rang my purchase for {$86.00} when in fact it should have been for much less. When I brought this to her attention she apologized and said the sale has already been processed on my Macy 's credit card. To rectify the situation she rang up a credit on my Macy 's credit card thus effectively cancelling out the erroneous charge. When my statement from Macy 's came I noticed that the initial charge was processed but not the necessary reversed charge. I called Macy 's right away to dispute the charge and then as required I followed this up with a written dispute providing copies of the charges made by XXXX including the reverse charge. Instead of following up on this, Macy 's sent me a letter claiming that since my credit card was not stolen or used fraudulently the charge was my responsibility. Macy did not even bother to address the issue about the reverse charge I was giving to cancel out the erroneous charge. Instead Macy 's was quick to threaten to report me to XXXX Consumer Reporting Agencies for failure to make the necessary payment for something I do not owe. At the very least, Macy 's should have gotten in touch with XXXX to get a better understanding of the situation.. XXXX not only furnished us with copies of the sales receipts they also offered to help in any way they can to put the issue to rest.

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 2017-01-28 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I opened a new citibank account under the provision of a promotion. New accounts with deposits of XXXX or more and deposited past 90 calendar days would be eligible to receive a {$300.00} bonus. After leaving XXXX in my new citibank account, I called 4 times to citibank after the 90 days when I did n't see the promotion of {$300.00}. I need CFPB to step in to assist. I spoke with 4 separate phone operators and received 4 different dates and still no 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 explanation
Consumer complaint received 2016-08-04 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I received a Citi checking account offer via email ( In XXXX 2016 XXXX where I would be getting XXXX Thankyou points if I open Citi Gold Account and complete certain requirements. Then I opened the Citigold account in XXXX 2016 and completed the required XXXX XXXX payments XXXX XXXX and XXXX 2016 ). I completed the XXXX and final bill pay required for the bonus offer exactly on XXXX XXXX 2016 and I sent a secure message later that month to get it confirmed if I have met the requirements. I received a confirmation on XXXX/XXXX/2016 that I have met the requirements and I am eligible to receive the XXXX TY points by XXXX/XXXX/2016. It has been over a month now and still I do n't see the bonus points posted. Multiple calls and chats, but no real response. Over the phone with a representative I was asking for an exact date when I would be getting my bonus points and they do n't have a clear answer. They say a date and when I ask " Will I get my points posted by that date ''. The reply was " If not give us a call after the date has passed and we will raise an investigation ''. And above all that they were so rude on answering my questions. Because of waiting for the bonus even after meeting requirements I was charged {$60.00} in service charges ( {$30.00} on XXXX and {$30.00} 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 2015-11-19 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
follow up to citi bank good year card complaint. i will be unable to use my card again. and i wanted to report that about a month ago i was told i had until XXXX but in the response it did not say that. i now have until XXXX XXXX with no interest. we are having a law made and created about illness that is catastrophic since banks have to change how greedy they are. please confirm i have til XXXX since i am repeatedly told things not documeted in the notes that someone else after the call does not see. WASTE and improper use of my time. i have until XXXX XXXX with no interest. 
i do not need credit counselling resent the info that i do i needed and did not get loyalty so i will act accordingly. 
all banks do instead of getting to know the customer is throw things in your face. no one dies with money stop the greed.the answer i got from citi good year card means i can not use it again. to give me XXXX dollars off would have been good business instead they pay someone NOT to help a customer exactly what the definition of waste is will not support it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I signed up for a Citibank Gold Checking account, which stipulated that I would receive XXXX XXXX Miles after following the below instructions : Apply for the account online or call XXXX to apply by XXXX XXXX, 2016 Use promotion code " XXXX '' Make at least {$1000.00} in debit card transactions in the 1st 60 days of opening your account, AND Make at least 1 bill payment for 2 or more consecutive calendar months within 60 days of account opening.

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 2015-07-22 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I would like to submit a compliant about CITI card. My card was over charged interest. I called to figure out how the interest was determined and could not get the issue resolved. CITI card is over charging customers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-02 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
My husband and I were out of state for a XXXX and were late on a payment to XXXX credit card services.We paid the late charge plus the account in full. Then we receive a bill for XXXX XXXX, 2015 but XXXX has added a {$2.00} interest fee. When I spoke to them, they said they would charge interest for XXXX subsequent account statements despite the bill plus late fee being paid immediately. How can they charge interest when it was paid off already? We have cut up our XXXX. credit cards.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-28 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I have been a long standing customer of Citibank and about two years ago my husband and I signed up for the CashBack credit card. About 6 months ago my husband very quickly passed away due to XXXX. When I went to claim my cash back rewards, I was told that only the cardholder can receive the rewards. As the secondary holder, I was not entitled to claim them. 
I have been an earned in this unit, I take care of bill paying and I am the primary consumer with this card. I was insulted that I was not considered a partner because I have always been one in my relationship. I find this a discriminatory practice, particularly to older women. We have enough issues with the death of a spouse to then be slapped in the face by this discriminatory policy of Citibank. In addition, I was rudely treated by the XXXX collection agency before the last bill on this account was received!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief