vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX XXXX, 2015 I would like to file a complaint against Citi Mortgage. They refuse to consider modify loan, that I now believe was inappropriate to begin with. I have been trying to get this loan modified for several years. The only reason they will not even consider modifying the loan is because I am not delinquent. If I can not get any assistance, I will become delinquent. I do not want to ruin my credit or become delinquent on the debt. 
When I purchased my home as my primary residence, I was put into an interest only commercial loan by XXXX XXXX ( now XXXX XXXX ) for XXXX % of the loan amount. The interest rate was 5.875. In addition, there was a second mortgage with Citi Mortgage at a rate of 7.5 %. XX/XX/XXXX my loan will change from Interest only to Principal and Interest. I will not be able to afford this loan. In fact, I know believe it was inappropriate to put me in a commercial loan for my primary residence, especially since I have excellent credit. I was sold on this loan not really knowing what and why? 
Over the past several years, I have attempted to get these loans modified. I was told several times that no one would talk to me because I was not delinquent. In addition, it seems I am not eligible for a HAMP because it 's a commercial loan. 
I have tried everything to avoid damaging my credit and losing the property. Since I could not get the loan modified or refinanced, a few years ago, I rented the property and moved with family. The rental income covers the interest only loans, but will not cover the principal and interest payment amounts. I continued to try to get the loan modified to no avail. It was my hope to modify the loans and return to my home. 
When the loan was approved, it was based upon my stellar credit and my household income including my income and the income of my husband. I was told I could refinance this loan. In trying to modify these loans, I have had nothing but trouble because I have never made a late payment. In addition, I am now going through a divorce and my household income is reduced, however, I maintain my stellar credit. I am unable to refinance the loans because the value of the property is less than the loan amount. This is my last effort to try and get some help to modify these loans. I am in a situation at this point that if this modification does n't happen I will be forced to walk away from the home completely and allow the property to go into foreclosure. I know I can pay the modified mortgage amount as agreed. 
I keep getting the run around by rude people that stops my process of saving this house. I would like to modify it so I can move back into my home. I need help, quickly and I am resorting to you as I do n't know what else to do. 
Respectfully XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Today, I went to CITIbank at XXXX XXXX XXXX. XXXX XXXX, CA XXXX to make a payment on my CITIbank master card. I gave the teller a {$100.00} bill and told her I wanted to make a payment on my card. She informed that the bank has a new rule that requires me to provide my social security number, my driver 's license and my occupation to make a cash payment. I asked if that was a bank policy or a new federal policy as I pay in cash each month and have never been asked for that information. The teller did not have an answer for me. It has been my understanding that a SS # is to be used for tax payer identification purposes only. I did provide the information requested to avoid a late payment but am very concerned about this new practice. I understand that transactions over {$10000.00} must be reported but my {$100.00} payment was n't near that threshold. In summary, is it legal to require this from an American citizen to make a cash payment? If so, can other institutions and business require the same ID? This is a very alarming policy and seems to be overly invasive.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I was induced to switch from a no fee card to a fee based card upon the promise that I would be eligible for a promotional offer, which included awarding me XXXX airline miles if I spent {$3000.00} within the first three months of having the card. I satisfied the terms of the offer but the credit card company, Citi, is not honoring their promises to me. In fact, I called them several time about this and they originally said that they would review the call I had with the sales representative and honor their promise if that is what they told me. Later, they changed their mind and stated they would only make a decision about whether or not they would honor the promise that induced me to switch after I spent the {$3000.00} and qualified. I did as they asked and spent the {$3000.00} and then they said that they decided to not provide me the bonus points. Their actions were fraudulent and misleading. It caused me to forgo other offers and not use cards with better rewards.

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 2016-11-03 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/2016 I booked a 2 night stay at XXXX in XXXX, FL for XXXX. At the time of booking I was advised the resort would charge a deposit of {$240.00}. When I received my statement for my Citi XXXX I was charged the {$240.00} twice by the resort as XXXX separate transactions. I pointed this out to the resort management at check in and was advised it would be taken care of. It was not. I have receipts from the resort supporting this. I protested the charges with Citi. They will not reverse the charges and have sided with the resort even though my card statement reflects I was charged {$240.00} twice as two separate transactions and the resort receipt only reflects a deposit of {$240.00} was applied.

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 2016-02-01 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
For at least a year or longer, Macy 's has messed up the accounting on my credit card, which I 've had for well over a decade. I just tried several times to reach it at a so-called customer service number ( XXXX ). It is impossible to reach anyone there, as there are numerous phone loop recordings at that number. Among other things, Macy 's lowered my credit limit, allegedly because XXXX provided it with a false credit report. It should have gotten a ( partially ) corrected copy of it by now, as I asked XXXX several times to provide one. However, throughout the last year, Macy 's continued with numerous, habitual errors, even after I called several times to correct it and was told that it was corrected. For example, it habitually mailed checks for balances on my account, then treated my account as though I cashed the check with the credit balance when I did not. I would call Macy 's about this, with little to no avail. Macy 's continued to show less on my account even when I had overpaid it and had a balance on it, with the difference explained by a lost or uncashed check, often one that I 'd told Macy 's about. Then when it received no additional payment, it charged me phony late fees. I would call to have that corrected and often was told that it would be when it was not. One example appears to be a {$2.00} charge from XXXX XXXX, 2015 that I should not have. Add to these problems ( of claiming that uncashed checks eliminated credit balances, then using that to charge illicit fees ), as is the case today, no one can be reached at the numbers printed on bills, so there is no way to verify even the false balances Macy 's has been attributing to me throughout the last year or longer. As I write, I just heard a recorded voice tell me that my balance was {$73.00} and change, but I have little idea of what explains it, since I have not gotten a bill and can not reach anyone at their so-called customer service center. I have not gotten a bill from Macy 's in months and can not reach anyone there to discuss this and other problems. I should not have to roll dice to decide what to pay Macy 's, if anything, but that is what I am having to do.

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 2016-03-23 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
well I feel like I have no choice but to file a complaint here when I attempt to log in online it says that account details are no longer available I 'm guessing this is because the account has been closed for well over 6 months now but because of that I can no longer send messages to you either that 's my first complaint you 're making it impossible for me to communicate with you the second complaint is about the XXXX dispute for {$400.00} which the transaction took place more than eight months ago it was disputed almost 8 months ago originally I provided all the tracking information the carrier confirms that the package was delivered to the proper address that belongs to the company there 's no proof otherwise that they have n't received it and now eight months later you are billing my credit card keeping in mind a credit card that 's not even open anymore and has n't been opened for almost 6 months I 'm not sure what you 're doing there XXXX butt if Citibank is made a mistake processing all of this that 's your mistake not mine I have provided proof that the merchandise was returned unless the merchant has provided proof that they did n't receive it which is far as I know they have n't provided any proof of that I 'm expecting a full refund you can discharge someone 's account 8 months later there are laws in place that you were breaking you are aware of this right?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-02 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
Earlier this year I opened a Citigold checking account using an offer which would give me XXXX XXXX XXXX AAdvantage miles after satisfying a specific set of requirements. On XXXX XXXX, 2016 a Citi customer service employee verified for me, via online chat, that the promotional offer was applied to my account ( I have a downloaded chat log verifying this ). On XXXX XXXX and XXXX XXXX, 2016 I received verification from a Citi customer service employee that I had met all the requirements of the promotional offer and would be receiving the XXXX XXXX XXXX AAdvantage miles within 90 days. 

Upon following up on receiving my miles I was then informed by Citi that I was not eligible for the promotion. I reminded Citi on several occasions via secure message within my online account that I had chat logs and screenshots verifying that they had confirmed with me months prior that my account was eligible for the promotion, and that I would be receiving my miles. 

To do day Citi continues to deny fulfilling their end of the promotion despite all of the evidence I have and confirmation from their own employees in XX/XX/XXXX and XX/XX/XXXX that I was both eligible and would be receiving the miles. 

I am a consumer who has multiple accounts with Citi. I have been a good customer of theirs and have never missed payment on any of my services with them. Their denial of this promotion to me, despite their own employees confirming I was eligible prior, feels like a bait and switch tactic. I am turning to the CFPB as I feel I have no other recourse. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
Citi Financial Group called me and requested money right away needed it within XXXX hours or they were going to contact my employer, send a XXXX to the IRS, and charge me with a felony. The company never addressed what company they were calling from until the XXXX call. They woman gave all my information out to my wife without XXXX requesting my permission first. When we advised them they needed to prove that I owed this debt the XXXX worker stated they did not have to prove anything and we needed to prove where we did not owe this debt. My wife has spoken to our case manager today ( XXXX/XXXX/15 ) and advised the case manager that we did not want any money taken out until we received the email with the documents that we were promised and requested information to be faxed over.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I have a mortgage still being reported to my CBR, according to Ohio law this should be removed from my CBR after 7 years. As the last reported information on this accounts was on XXXX/XXXX/2008, I am requesting this be removed from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citi mortgage perpetrated loan modification fraud on me and sold my mortgage to XXXX. All we wanted to do was PAY our payments in installments. They said sure. Just do a loan modification.They tricked us. They added XXXX dollars to our principle. XXXX will not help me. Will you?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-13 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
This is regarding Case number : XXXX which is still open. At the end of the month of XX/XX/2016 Best Buy CBNA, PO Box XXXX, XXXX, SD XXXX reported I filed Chapter 7 bankruptcy on account numbers XXXX and XXXX. I DID NOT FILE BANKRUPTCY. My credit score dropped 49 points. I spent countless hours on the phone with Best Buy credit department asking them to remove this erroneous information and re-open my account. They finally re-opened near the middle of XXXX, just in time for me to make a payment and my credit score went up 45 points. 
Then on XX/XX/2016 they reported I filed Chapter 7 bankruptcy again! I DID NOT FILE BANKRUPTCY. Again, I spent countless hours on the phone with the credit card department and my credit score went down 45 points. Because this happened again, I filed a dispute with XXXX ; I filed a complaint with the Better Business Bureau ; I filed a complaint with the North Carolina Attorney General ; and I filed this complaint. 
On XX/XX/2016, Best Buy re-opened my account and made payments on both accounts which were due on XX/XX/2016. This was the earliest I could make the payment because I had no access to my account because they closed it again due to a bankruptcy I DID NOT FILE. 
On XX/XX/2016 Best Buy Credit card reported delinquent payments but the accounts are not mine ( see attached ). My credit score dropped 4 points. I have reason to believe that someone with my same first and last name has filed bankruptcy and has not made a payment. I submitted a dispute online to XXXX. Every month I am having to spend hours on the phone with their credit department, file disputes and complaints. I need help! I ca n't refinance my car. I ca n't apply for a mortgage. All because someone within the Best Buy finance department or wherever this information comes from is not accurately checking the right person and account number. This is slowly ruining my credit which I was trying to get back on track. Please help!

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 2016-04-12 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I recently opened a new XXXX XXXX credit card with Citibank.This was a promotion offered by Citi/XXXX XXXX in their online reservation payment area. I was able to charge a flight immediately on the card, as they gave me temporary information on the telephone when I signed up. 
Yesterday, XXXX XXXX, 2016, I received the card and immediately logged into their online system ( which I was unable to do with the temporary information they provided at signup ). The Citibank website informed me that my statement had closed on XXXX XXXX and the amount was due on XXXX XXXX. I had not received a statement in the mail ( it arrived today- XXXX XXXX ) and it is not yet available on the website. 
It is my understanding that a customer is entitled to 21 days to review their statement, but I was not provided this. ( 21 days from today is XXXX XXXX. ). I contacted Citi by chat and message, but they refuse to allow me the full 21 days and simply reply with their scripts. I believe that their failure to provide me with the full 21 day grace period should result in them moving the charges to the next statement and resulting due date.

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 2016-03-05 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XXXX XXXX, I notified Macy 's credit card and fraud department regarding unauthorized charges on my account. They requested that I submit a fraud statement, in which I did and turned in at the end of XXXX XXXX. I was told the investigation would take 60-90 days and my fraud charges should be reversed. It is now XXXX XXXX, 150 days has passed and I am still receiving billing statements with accruals of interest and late fees. I have followed up with the fraud department each month, and every month, they promised to have it clear the next month. I am at my wits end and feel Macy 's fraud department is giving me the run around. I am need of help to protect my credit and my rights!

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 2015-11-25 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Hello I logged into my Home depot account which is administered by Citibank to check the status of my account. Imagine my surprise when I saw a due date of XX/XX/XXXX when I had just made a payment earlier this month for the original due date of the XXXX of the month. Had I not discovered this it would have sent the account into default and I would have lost the 0 % financing cost which is not due until XX/XX/XXXX for which I will have paid off before then. The only notice I received from Home depot was that the billing website had changed and no change in my due date had happened. I am afraid that many of their customers who are using this option may have their accounts go into default because of this underhanded tactic. Please investigate this issue and force Home depot aka citibank to make amends to any customers that may have been deceived by them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Plutos Sama, LLC
State: MD

Complaint narrative:
I found a property listed for sale on the XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX and place a {$20000.00} dollar deposit on it. Now I just learned that the Property is listed for FORECLOSURE SALE. See link below. Can someone please tell me whats going on.. 
XXXX/XXXX/2016 / XXXX XXXX XXXX County XXXX XXXX XXXX XXXX Court Fee Simple {$41000.00} XXXX, MD XXXX XXXX Lien

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX days past due as of XX/XX/2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get 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 monetary relief
Consumer complaint received 2015-03-30 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
as of XXXX/XXXX/2015 as per attached statement, I had a credit of {$1000.00} available. I had received a refund fro merchandise i returned at home depot for {$730.00}. Now suddenly my credit limit is reduced by {$900.00} and it is {$4100.00} instead of {$5000.00}. This caused me to loose money i paid as well as the refund amount of {$730.00}. this is abusive practice and totally unfair on behalf of the card holder. I fell i should have taken store credit for {$730.00} and not put it back on my home depot credit card. No i do not have the merchandise and nor the credit available which was issued as refund to me on XXXX. I have attached the statements fro XXXX, XXXX and XXXX. Please help.

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