vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I recently contacted you regarding my mortgage company CITIMORTGAGE who foreclosed on my property and took over the title indicating I was behind and made no attempt for resolution. In XX/XX/XXXX ; I lost my job, Cit Mortgage was contacted and I was told to send a Hardship letter after which they would send me a package to apply for a modification. Once I received the paperwork which included a work solution form showing all my debts and responsibilities, as well as income, employment etc. On XX/XX/XXXX, I received a response back from the CFPB giving me CitiMortgage feedback indicating that I applied for a modification in XX/XX/XXXX and it was delivered ; however I was making payments in XX/XX/XXXX XX/XX/XXXX because my request for modification came in XX/XX/XXXX after I lost my job. Once I received CitiMortgage feedback, it was confirmed that they never sent my paperwork for review for modification even thought I continued to send them very personal and sensitive information such as my XXXX, XXXX Paystubs, Bank Statement, etc,. In XX/XX/XXXX I begin to question the representative I was working with in the Homeowner Assistance team ; XXXX as to what and where my paperwork was going because they continued to ask me for the same documents over and over again. I also said to him that I was becoming concerned because several representative have requested the same paperwork yet no answer was given on a modification. As confirmed to this date ; CitiMortgage does not show any record of my modification request requested back in XX/XX/XXXX. On Thursday XX/XX/XXXX I spoke with XXXX XXXX XXXX and sent him an email showing an email I received from the CitiMortgage on XX/XX/XXXX confirming all paperwork was received and foreclosure activity will cease while in review and to allow 30 days ; however XXXX XXXX XXXX : asking for a copy show no evidence of not only that email ; but according to the investigation preformed by CFPB, they have no paperwork I have submitted for the last 4 years. My question is where are all documents I sent them because I certainly have plenty of communications showing they were sent and confirmed as being received several times. The question remains ; did they delete my information from their system? My home has been foreclosed on after my hard work and effort to send the bank everything they requested ; but yet CitiMortgage have no evidence of me sending paperwork for a modification but yet they continued to communicate with me by having me continue sending personal and proprietary information to different homeowner assistance team members. On XX/XX/XXXX I spoke with supervisor XXXX ID XXXX who confirmed my paperwork was never sent to an underwriter so why do they have the right to take my home given they have repeatedly lied and practice dishonesty.

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 2017-03-21 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Sent credit card balance transfer from XXXX ( Account XXXX ) to Citibank ( {$9200.00}, Citibank Account XXXX ) and XXXX ( {$5700.00} ) on XX/XX/2017. XXXX posted transfer on XX/XX/2017. Citibank stated on XX/XX/2017 that they have not received the balance transfer even after verifying the account information several times. As another example, I sent a XXXX XXXX bill pay to Citibank and it posted in 4 days. 

XXXX has verified that the Citibank balance transfer was a valid account and it left their institution on XX/XX/2017. After 13 days, they have not received a notice from Citibank that it was rejected.

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 2017-01-04 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I made a purchase from Macy 's in XXXX. I was pressured into applying for an instant credit promotion when I tried to pay with my debit card. I left with the items and did n't give it another thought. When I received no card or bill from them I assumed I had been denied and that it had been charged to my debit card. On XXXX XXXX, I got an overnight letter which appeared to be from Macy 's, but when I called the next day I discovered it was actually from a collection agency. The amount was more than doubled due to late fees and interest. I have contacted Macy 's and the collection agencies multiple times by phone and mail, expressing my willingness to pay the original amount but not the additional charges, as they would not apply had they contacted me in a timely manner. In addition to my mailing address, they have my phone and email information. I 've written Macy 's billing dispute office and received a package containing copies of past statements. This is the first direct communication from them, and I only learned the account number in question today, I have yet to receive the card these statements arise from. Obviously, Macy 's will have no evidence they ever sent it or that it was ever activated. As previously indicated, I have expressed my willingness to remit payment for the original amount, provided they waive additional charges and remove detrimental information from my credit report. This has not only caused me emotional distress, but financial harm as well since I am now being charged the top interest rate on another card because my rating has dropped XXXX points due to their actions. I remain hopeful this matter can be resolved without litigation. I appreciate anything you can do to help and thank you for your consideration. I look forward to hearing from you soon.

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 2015-08-30 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
A Credit Card with XXXXCitibank showed up on my credit, I do not remember ever having this credit card. They have charged it off on my credit report and I recently disputed it. They have now turned it over to XXXX XXXX XXXX and is now showing up on my credit report as both XXXXCitibank and XXXX XXXX XXXX. The credit report is showing the last payment made to XXXXCitibank was back in XXXX of 2010.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Macy 's contacted me in XXXX 2016. They stated that they believed that there was fraudulent activity on my Macy 's credit card. They felt that charges were fraudulent because the merchandise was not being shipped to my home address. I confirmed with them that I had definitely not made the fraudulent purchases. Macy 's assured me that the fraudulent charges would fully investigated and they would be removed from my charge account. They stated since the charges would be removed, there was nothing further for me to do. I had none of my own purchases on the card at the time of the fraudulent activity and I have not used it since that incident. It is now XXXX XXXX, and the charges remain on my account and they are placing late charges on the account for non payment.

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 2016-04-13 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
My Bloomingdale 's American Express ( Citibank ) credit card was compromised on XXXX. Fraudulent charges were made on this account and it was closed immediately. I have not re-opened the card and do not intend to. I was instructed by Bloomies/AMEX Fraud Dept. to file an Affidavit ( which they sent me ) listing charges, with a Notarized Document and with my Drivers License copy. I promptly complied with this instruction and these materials were faxed on XXXX and again on XXXX with no response. These faxes were received however, see Attached Confirmations. To date, there has been no resolution or response. I called on XXXX ( Operator XXXX ID XXXX ) and XXXX and on XXXX ( XXXX Operator ID XXXX ) and again on XXXX ( Operator ID XXXX XXXX ) and each time after waiting over 60 minutes, was never connected to the Fraud Dept. In interim, I have been harassed by numerous phone calls and letters indicating that I owe monies and calls from collection firms. Bills continue to be sent with finance charges being added and compounded. I have been unable to secure credit from other creditors and am now applying to various executive banking positions that require credit checks and am told that my credit rating has been adversely impacted by this account at the XXXX credit agencies. Citibank ( Bloomingdales AMEX ) refuses to respond after now 120 days after my initial reporting of this fraud. They have negatively impacted my credit bureau reporting and have made me wait hours on the phone. Their fraud number is a number that does not address consumer complaints as they never pick up on that number. This number is XXXX. When I call this number, I am immediately routed to the collections department and then told to wait. See attached documents. I also called this morning, XXXX and after one hour of waiting hung up the phone.

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 2016-09-27 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
This is a follow up to Case # XXXX. I was told to wait 30 days for the CRAs to remove the inquiry. It has been 41 days and the inquiry continues to show up as a hard inquiry on both XXXX and XXXX. This MUST be removed immediately! I will not wait another 30 days! Why does it take so long to be removed? I certainly does n't take that long to be added!!! I plan on purchasing a home in the very near future and this will effect my interest rates. I want this removed immediately or legal action will follow shortly!

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 2016-05-11 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
This complaint is regarding Citi Credit Card, the issuer of XXXX credit card 's unfair and deceptive acts. XXXX varying amounts were charged to Citi/XXXX Credit Card in conjunction to XXXX deferred interest promotion. The first amount of {$1300.00} charged to Citi/XXXX Card on XXXX XXXX, XXXX was the initial payment toward the Bathroom ( tub replacement ) at my XXXX XXXX XXXX and the remaining balance of {$2800.00} was charged to the same Citi/XXXX Card on XXXX XXXX, XXXX when the job was completed. A new charge for a bedding in the amount of {$700.00} was charged to this Citi/XXXX card on XXXX XXXX, XXXX and a the last purchase in amount of {$1300.00} for electronic equipment/accessories was charged to this same Citi/XXXX card on XXXX XXXX, XXXX. 

The subject of this dispute is how my monthly payments under the deferred interest promo was applied towards this Citi/XXXX account. I understand that any payment made will first be applied towards the oldest account ( the account whose promo date ends first. With the exception of accounts that are in dispute. When an account is in dispute, it will be placed in hold until such time the matter causing such dispute is resolved. Despite numerous calls to the bank 's customer representative, and emails/messages requesting Citi/XXXX to readjust my account balance by recalculation the payments and applying them towards the accounts that are not in dispute, Citi/XXXX has acted unfairly and in a deceptive manner by continuing to apply my payments towards paying down the amount in dispute. Adding insult to injury, Citi XXXX continues to levy interest charges when there is no late payments whatsoever that would trigger such interest charges to be added. 

Based on my calculations, The entire amount that is not in dispute is all paid -up way ahead of the promo 's end dates. In fact, there is an overpayment which will have to be applied towards the amount in dispute bringing the amount in dispute from $ {$2800.00} per Citi/XXXX records down to {$2200.00}. This is the amount that I have to pay once XXXX XXXX XXXX has made the necessary repairs/to the bathroom. Henceforth, no more payments will be made since all amounts have been paid ( and overpaid ) leaving the disputed amount open and said amount in dispute will be paid upon completion/resolution of the matter that is the subject of the dispute.

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 2016-11-03 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I was charged an nsf fee because they allowed a transaction to go through when the funds were not available. The charge has not posted to my account as of yet, still pending and still charged me a 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 2016-11-02 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Collector called multiple times at my work office stating that I owe a debt which does not have the correct name nor address. Collector can not prove that I own the debt and can not verify any of the information which can be linked back to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-14 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I made a payment through my citi back checking by online bill pay for {$200.00} to costco credit card by citi bank on XXXX/XXXX/16. The money was taken out from my checking on XXXX/XXXX/16. But costco credit card never applies the payment to my credit card account. I called the first time around XXXX/XXXX/16. I was told payment was received by costco credit card, but did not know why it was not posted to my account. I was told it would take 5 days to post to my account. But a week passed, nothing was corrected. I called again around XXXX/XXXX/16. I was told it would take 14 days for the payment to posted to my account. Now it is XXXX/XXXX/16, the payments i made after the {$200.00} first payment, posted to my account very timely. Just the first payment of {$200.00} still not posted and interest was charged to my account. I am so frustrated and do n't know what else I can do instead of filing a complain.

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 2016-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
1. RESPONDENT ( S ) failed to rebut, answer, or respond, to C Constructive Notice of Conditional Acceptance, Affidavit of Specific Negative Averment, and Certificate of Mailing, USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XXXX XXXX, 2016 ; with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability, with evidence attached, of all statements herein made being false, and a copy with all evidence and a copy sent to undersigned for rebuttal or acquiesce. That Conditional Acceptance upon Bona Fide Proof of Claim gave you a reasonable deadline to perform. And, at no time before then, or after then, have you requested a reasonable extension of that deadline. To date, RESPONDENT ( S ) failed to rebut, address, answer, or respond in this matter, you have chosen instead to fall completely silent. Accordingly, RESPONDENT ( S ) is now in default as against undersigned 's Constructive Notice of Conditional Acceptance, Affidavit of Specific Negative Averment, and Certificate of Mailing. Under the doctrine of " qui tacet consentire videtur, " he who is silent is taken to agree '', " silence implies/means consent ''. Moreover, under the doctrine, your silence has activated estoppel in this matter. 

2. I do not consent to your agency assigning disputed debts to law firms and third-party debt collectors without informing them that the debt is disputed. 

3. I do not consent to your agency contacting consumer with the intent to annoy, abuse, or harass consumer into paying. 

4. Your agency is prohibited from reselling any debts associated with the above matter, to protect consumer from the potential harm that results when debt collectors continue to sell and resell debts that may be inaccurate or lack the business records and information needed to collect them. 

5. If your agency attempt to collect on debts by suing consumer in court, please take notice that the consumer will file the Constructive Notice of Conditional Acceptance, Affidavit of Specific Negative Averment, and Certificate of Mailing, USPS Certified Mail Delivery Confirmation and this AFFIDAVIT OF NON RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I returned XXXX appliances to Sears after XXXX became unavailable after purchase. It took nearly 3 months for the credit to appear back on the credit card, a Sears card issued by Citibank. For two months, I 've been asking for the credit to be transferred directly to my bank account ( consumer is given the option of a mailed check or direct deposit ). Each of the multiple times I have called, I was told it would take 3-5 business days. Two months later, I 'm told I was sent a check on XXXX/XXXX/16 which can take 7-10 business days to arrive. Total amount due to me is in excess of {$4000.00}

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 2016-09-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
This complaint is against CitiFinancial Mortgage Company. Borrower is XXXX XXXX, Loan # XXXX. On XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX called CitiFinancial to find out the status of a short sale which began XXXX XXXX, XXXX. At that time, after speaking with the lender for 1 year they were told by XXXX XXXX ID # XXXX they would not speak to XXXX because a non-owner had not signed the 3rd party authorization. However, on XXXX/XXXX/XXXX a 3rd party authorization was signed only by the main borrower, forwarded to the lender and accepted by CitiFinancial because negotiations continued from that point forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Dear CFPB officer, I found out on XXXX/XXXX/2016 that my Citibnk account was closed before receiving any notification. I called Citibank customer service and they can not give any specific reason of closure of the account except for stating my account is not in compliance with their policies. 

I have all my daily online banking and payment activities set up through this account and it is really a big shock to me that Citibank can stop their service like that. I was informed that my account was closed on XXXX/XXXX/2016 and the remaining balance of XXXX+ dollars will be mail to me as check format in 4-7 business days, which I would think is illegal possession of my fund. More ironically, I was charged a XXXX service fee and my account balance as of XXXX/XXXX/2016 is -XXXX and I need to go to the local brunches to make the payment. 

Even though, as per Citibank 's customer service, they have the right of terminating their services based on their policy, I would not believe they can just pull the plug like that. It feels like pushed out of a restaurant whille eating and pushed out of a hospital while treating. 

At least, I would want to know the specific reason of Citibank closing my account. I need them to waive the XXXX dollar servicing fee as of XX/XX/XXXX and pay me additional interest for possessing my fund from the time my account was closed to the time I receive the refund check. 

Thank you very much and your help is highly appreciated. 

XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I had an account with Citibank that was paid off in full and closed a year ago. Recently I started getting statements for an annual fee. I called and explained again that the account was closed and was told they would fix their records and not bother me again. Today I got a statement in the mail for an annnual fee, a late fee and an interest charge. When I tried calling Citibank they refused to talk to me because I did not know some kind of password ; no reason I would know it since the account has been closed for a year. This is disgraceful conduct and needs to be penalized. I am attaching a copy of my XXXX 2015 statement showing a zero balance, and a copy of the statement that arrived in the mail today. I would assume the {$95.00} " previous balance '' on the statement I received today refers to the annual fee which they told me in a previous phone call would be eliminated, of course, as the account was closed. Now they bill me again and refuse even to talk to me.

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