vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
We have been working a loan modification with Citi Mortgage since XX/XX/XXXX. Citimortgage does not advise the client concisely what is pending within 30 days of receiving a package. They will request a documents then say it went to underwriting and come back and ask for more documents over the course of 6 months. Citimortgage confirmed all documents were received but then on XX/XX/XXXX more documents were requested. The bank is requiring the borrower to incur additional expenses without ensuring a loan modification such as the expense of a quit claim deed and to purchase homeowners insurance which is causing the client additional financial hardships. The bank requested homeowners insurance which could not take effect for 30 days due to the clients gap in homeowners insurance. Citi closed the file and assigned a new representative not familiar with the file right before a sale date. Citimortgage is intentionally prohibiting clients from being reviewed for a HAMP through these tactics and requesting documents from XXXX parties the customer has no control over how long the documents will be received such as the quit claim deed which required to be recorded and took a process of over 30 days and now requesting proof of homeowners insurance which took another 30 days for the binder to take effect. All documents requested by Citimortgage were submitted on XX/XX/XXXX. Due to assigning a new representative who is not familiar with the file we must begin the process again. Our office is experiencing this with all Citi files in our office. The HAMP directives are designed for the client to be reviewed within 30 days of a complete package but Citi will requesting additional documents right before the 30 days are up as to postpone the decision of the HAMP and totally disregard the HAMP Directives. Their missing documents letter are a general letter they send on all files which do not detail specifically what is pending but rather list all the documents need and the expiration dates for all documents needed as 90 day. Rather than provide the date the documents they have at hand with the perspective expiration dates. I submitted all documents requested hereto attached on XX/XX/XXXX. During this critical time before a sale date is not fair to the client to have a new representative assigned to the file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Asset Management Systems Inc
State: CO

Complaint narrative:
A company by the name of Financial Asset Management System keeps calling me to " collect a debt '' for an XXXX ( completely different last name ) ). My first name is XXXX but the last name is completely different than my current name or my maiden name. I do not have any outstanding consumer debt. I have told them on multiple occasions that I am not that person and to take me off their list. They still call me and a similar number is also calling my minor son 's cell phone. I have checked my credit reports to see if there are any identity fraud issues and there are no red flags for that possibility.

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 2015-08-06 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
XXXXXXXXXXXX Cards ServicingI have XXXX credit cards, with them I am now working with a XXXX XXXX XXXX NJ, Each day I receive XXXX calls, and when I block that number they call from a different number. I already over and over spoke and explained my situation and gave representatives the Number to the XXXX of NJ.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
Approximately XXXX months sgo I paid off in full XXXX mortgage with citimortgage. Last month I received a hardship letter request from citimortgage. My wife called citimortgage and they assured her it was a system glitch and it will be taken care of. Today I recriver from citimortgage a hamp and need to respond by XXXX XXXX or a foreclosure sale date may happen. I called citimort gage extremely upset. Talked to XXXX a floor manager. He too said it was a glitch. The only person to handle it was a operational manager bit refused to give out OM info including last name, phone number, or email. Stating it is against cit mortgage policy to give out such information. Also stated I 'M does not make external calls to customers referenced I 'M does n't have access to customer accounts. Keep in mind our mortgage with Citi is paid off in full! All this frustration XXXX CFPB letters sent to us ... we ca n't get anywhere with coti. Afraid a foreclsure sale date may occur on our account now. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have been receiving notices from Macy 's via email since XXXX concerning a credit card statement. I have repeatedly notified them that I do not have a credit card with this company nor have I ever had one with them. I did have an online shopping account. In XX/XX/2016 I started receiving late payment notices concerning a credit card payment via email from Macy 's. I once again contacted the company via email and phone that I did not have a credit card and after all this I will never get a credit card from them. I did log into my online shopping account and noticed XXXX credit cards were listed on the account, none of them were mine. I notified Macy 's customer service who after a couple of months did close my online shopping account but that did not resolve the problem of me receiving the credit card statement notifications. I also requested that any reference to my email account be removed from their database, but that is obviously too difficult of a task for them to complete. I have now filed a formal complaint with the FTC and with the CFPB.

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 2016-01-21 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
I have sent 5 messages regarding my Macys Private Label Card to Citibank ( after logging into Macys.com and being redirected to their site ) asking them to lower my credit limit after an automatic credit line increase they gave me towards the end of last year. I asked them to lower the line to {$2000.00} and to not do automatic line increases. I have never received a response from them after all the secure message and tonight I called them and was on hold for over an hour before hung up. They are messing up my credit score and I want this resolved NOW. They should be fined!

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 2015-08-01 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Thank you for considering my problem, I had XXXX credit card accounts with citi. When my wife and son XXXX I applied for a program to modify my payments on XXXX of the cards. That program closed my account but reduced my interest to 0 %. I entered into auto pay programs for both account. I kept the XXXX account open even though the interest rate was 29 % because I would occasionally need to use the available credit. I have XXXX year old boys and have had inconsistent work since the tragedy in our family. Recently citi informed me that they were closing my second account. Their reason was I had entered into a payment program with them on the other account. This outcome was never presented as a possibility when I entered into the agreement. I had approached them about entering into a similar program where I would pay off the entire principal at 0 % interest. I was told by the person assisting me that due to the way my account had been closed there was nothing that could be done other than let my account go to collection. Citi advice was then to allow my credit rating to be effected negatively in the hope that I could enter into a program to pay off a debt made up mostly of usurious interest charges. This seemed unfair. I request help. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
My husband and I have had a credit card account with Macy 's for many years. As with all of our accounts, we have NEVER kept a balance with Macy 's and our credit scores are in the exceptional range. I received notice from my credit monitoring company XXXX that they found a negative report on our credit from Macy 's. We had made a purchase three months prior that we were never billed for, and were unaware we had a balance. Upon discovering this we paid it immediately and requested that the negative report be removed because we had never been billed. The Consumer Credit department personnel were unprofessional and practically hostile to our request. Rather than recognize from our long standing payment history that we were unaware we had a balance, they would not accept our honest account that we had never been billed. This was predatory and Macy 's needs to remove the negative report from my and my husband 's credit account.

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 2015-07-28 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Solidus Group LLC.
State: VA

Complaint narrative:
I keep receiving calls from some " legal '' department stating that I owe {$4000.00} on a payday loan - that I can settle for {$900.00} and when I ask for some sort of documents - either email or mail, they turn up the threats - " process server will be at your house btwn XXXX-XXXX '' - you will go to jail you will be ruined. 
They have my SSN, my address, my email, phone # BUT I do n't owe anything to anyone. 
When I tell them that I researched them online and found XXXX other complaints, I was called a nosy XXXX - I need to pay the {$.00} I hang up and then they call back. The voicemail is an automated VM message stating I have to go to a mandated check writing class, I have committed wire fraud and check fraud. 
I do n't owe them anything, but they call and harass me - so far in XX/XX/XXXX alone, XXXX times.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed
Consumer complaint received 2016-05-08 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 Citigold checking account with a promotion which stated if I opened an account, made 2 bill pays in 2 months I would received XXXX Thank You points. I did the requirements and confirmed with Citi that the bonus had been applied and I would be getting the points within 90 days. I waited 120 days, and after getting no bonus I messaged to ask when the points would be given. Again, I was promised the points would be posted to my account, but after an investigation was opened I received a letter that no bonus had been applied to my account. I feel that I was told by Citi and confirmed the bonus would apply only to have them deny it when time came due to pay.

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 2017-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: FMS Inc.
State: AR

Complaint narrative:
Got text from stepdaughter XXXX shared info with her i dont know how they got her number i never filed or used her name for amything my old name XXXX I call number they act strange

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Received a notice from Citi that my credit card account of several years standing was being cancelled due to inactivity.I had not used the card for 3 years. However there was a rewards balance of {$130.00}. When I called the Citi call center to ask about the cancellation, I was told that when the account was closed the rewards balance was cancelled as well. 
While their card agreement allows them to cancel at any time for any reason, or even for no reason at all, I think it is unethical for them to stick the rewards dollars in their pocket. 
I would be curious to know the accumulated amount of rewards they pocketed from inactive cardholders as a result of this kind of action. 
SUMMARY : I understand their right to cancel the account, but feel cheated that they took my rewards without warning. A similar experience with airline miles happens, however it is with warning that miles will be cancelled if no activity took place ( and usually with several notices to the account holder ). I think bank regulators and elected officials should be aware of this self enrichment action on Citi 's part.

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 2016-12-09 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I left the country back in XXXX 2016 and return to the United States in XXXX 2016, received an letter from Citibank say that I owe them {$270.00}. I have a positive balance of {$83.00} at the closing statement on XXXX/XXXX/2016. For no reason Citibank sent me a refund check in the amount of {$83.00} in XXXX, which till this date I still have not received them, and a notice from Citibank dated XXXX XXXX, 2016 was sent to me in regards to a stop payment of the check. The bank should never sent a refund check and started charging me late fees and interest base on my own calculation. Citibank now owes me {$26.00}, instead of me owing them {$270.00}.

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 explanation
Consumer complaint received 2015-12-20 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Hello, My complaint is regarding a Macy 's credit card account in my name and with my social security number that shows up on my credit report. The account was opened in 2004 and has been paid consistently since then, almost always on time. The problem is that it is not my account. I never opened the account and the address and phone number are from states I 've never lived in. 
Somehow my SSN became attached to what I think is a legitimate ( not fraudulent ) credit card account that belongs to a different person with the same name as me. I have contacted the credit rating agency XXXX multiple times to dispute that this is my account but Macy 's Credit Services continues to confirm that it is my account. I have contacted Macy 's, but they have not process to change the SSN on an existing account that is not clear cut identity theft. 
Please help me remove my SSN from this credit card account that does not belong to me. Thank you!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received an email notification from Citibank ( credit card ) that my XXXX payment in the amount of {$500.00} was returned due to the payment account being closed. I made my XXXX payment on XXXX XXXX ( due date was XXXX ) via the Citibank website. The website listed XXXX payment accounts ; however only XXXX was available to choose because the other account was listed as " cancelled. '' In fact, during the process of making the payment, the cancelled account was not listed in the drop down menu for choosing a payment account. The other payment account was listed as active and this account was the only XXXX listed in the drop down menu. Meaning the website only allows users to choose the active payment account. The cancelled payment account was an old XXXX Bank account used in the past. The active payment account was my current XXXX account, which I have been using to pay my monthly Citibank payment for the last few months. This can be seen in my payment history. When I made my XXXX payment via the Citibank website, I made it with my current XXXX payment account. Again, it was the only option to use on the website. For some unknown reason, Citibank utilized my closed/cancelled XXXX account to draw my XXXX payment. This was not my mistake as Citibank is claiming. I did not have the option to use this old payment account, not even by mistake. 

Citibank got notification of the payment return on XXXX. They charged a late fee on XXXX. However, they took 5 days to notify me of the returned payment, which in essence forced the late payment. As soon as I received the email, I called customer service to attempt to remedy the situation and correct the payment. The agent told me that it was quite possibly a computer glitch which caused Citibank to draw from the incorrect account. However, I now see that I am being charged a late payment fee and I am being told that Citibank will report a late payment to the credit agencies. 

I did not make a mistake by clicking on the old XXXX account because it was not even an option for me to do so ; therefore, I do not believe I should be charged a late fee and I do not believe this matter should negatively effect my credit report. There is an obvious problem with Citibank 's website payment process that allows old/closed accounts to be utilized for 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 2016-09-02 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
Last month I started receiving calls from unknown numbers. They did leave a voicemail to call a number back or log on to citicards.com and they could help me. I XXXX the numbers and there were multiple people suspecting the number of fraud. So I logged on to citicards.com and there were no alerts. I sent a secure message about the calls and they gave me this reply, " Dear XXXX, Thank you for contacting us. We appreciate each and every opportunity to serve you. 

Our records do not show that we have called you regarding your account. 

If you think that the card information is at risk, please call Customer Service immediately. Once your closure request is processed, the current card is closed and a new card number is established. 
XXXX. 
If there is any way we can be of further assistance, please feel free to contact us. 

Sincerely, Account Specialist South Dakota '' So I assumed it was fraud, but the calls continued. I finally was able to answer XXXX and it said that it was a citicards account that was past due. Because of the additional time that lapsed, they reported my account as delinquent. This seems unfair since I took the exact step from their phone call and was told by Citi that they were n't trying to get a hold of me. Now I have a late payment on my credit report from Citi because Citi told me they were n't trying to contact 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 monetary relief
Consumer complaint received 2016-10-14 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I have had a citi bank simplicity card for 3 years and never made a late payment and always paid more than the minimum balance. I used this card when my wife and I moved to a our home and incurred an outstanding balance of about {$6800.00} dollars. I called to negotiate a lower interest rate and they gave me a 11.99 % rate and my minimum payment was {$130.00} so I began paying more than that, around {$200.00} dollars per month, however, what I was not told by the representative when I was given this rate is that it only lasted 12 months and all of sudden I am being charged {$130.00} per month in interest alone and I do not even use the credit card. I called to ask them to reduce the rate so that I could not pay that amount in interest and so I could pay the card off and I was told no and there was nothing they could do for me. I believe that this is unfair to a person who has paid them on time since I had the card and never been late and always have paid more than the minimum balance. I was passed along to person after person when I just recently called and asked to have the outrageous interest charges which this past month was {$130.00} and my monthly purchase amount ( which was a mistake by me ) was only {$40.00} that is 3 times that amount. Please help me stop this company from taking advantage of a person who only wants to pay what I owe them and end this situation.

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 2016-01-04 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
See attached .pdf copy confirming payoff of a Citi Cards credit card account, for the balance stated of {$210.00}. This card was canceled/inactive approximately 4 years ago. Citi Cards has sent me a following bill for interest of {$3.00}, for the period XXXX/XXXX/2015 through XXXX/XXXX/2015. Once again, this card was canceled/inactive approximately 4 years ago. I called the Citi Cards customer service number ( XXXX ), and spoke to a representative who did not identify him self. I asked to speak to a manager in charge, and was refused. The Citi Cards representative did not resolve the matter to my satisfaction.

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