vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I have had a mortgage with Citimortgage for the last several years. Subsequently, my home fell underwater, and subject to foreclosure. I tried several avenues of resolution with Citimortgage but to no avail, forcing me into bankruptcy in an effort to keep my home. I was made aware of a settlement based on a news report on XXXX somewhere around XX/XX/XXXX or XX/XX/XXXX. 
Upon the resolution of the Homeowners Settlement with the federal government naming Citimortgage as one of the defendants, Citimortgage transferred my mortgage to XXXX Mortgage A Division of XXXX XXXX. During my time with Citimortge I continued to try to work with Citimortgage asking about said settlement, and how I can apply for it. My Homeowners Support Specialist of Citimortgage was XXXX XXXX XXXX during this time. I also asked several times to have my mortgage refinanced, or some help with the modification that never lowered my principal. They awarded me a modification at one time, That significantly had me owing much more than what the home was worth, further increasing my debt, and severly sinking my mortgage underwater. On XXXX XXXX, XXXX, I obtained information regarding the settlement from the Consumer Protection & Anti-Trust Unit Department of Justice in Wisconsin outlining the requirements for eligibility and I found that I am eligible. 
I contacted Citi mortgage on XXXX/XXXX/XXXX and spoke with a XXXX, id. no. XXXX who stated she would not be able to give me any information with regard to the settlement because my mortgage is now with XXXX XXXX. I asked for a supervisor and after holding for XXXX minutes was told I could not speak with a supevisor, and that she spoke with a supervisor and the supervisor suggested I speak with XXXX XXXX. I asked, why would XXXX XXXX be concerned with Citimorgage 's settlement, they have nothing to do with it, and could I please speak with a supervisor. She stated I would not be able to speak with a supervisor because they do n't have my file and I should seek answers with XXXX Bank. Needless to say I called XXXX, who only referred me back to Citibank, stating they do n't have anythig to do with Citibanks/Citimortgage 's settlement, and Citi should have discussed this with me. After another round of calling Citibank and being thrown into a vicious cycle, it became clear that I was being handled improperly, and possibly a federal law had been broken. The help or assistance that was designed for people like me was in essence was denied me. My complaint is that Citibank/Citimortgage has and is denying me my right to that assistance and have cost me greatly in trying to keep my home.

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: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Enrolled in XXXX preferred without my consent. I 'm XXXX years old and Noticed I 've been charged for this service. My XXXX is not what it used to be, and once my daughter started looking at things she noticed that funds were being withdrawn. Reference number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-17 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Purchased a Samung Dryer online at Sears.com. Dryer was never delivered. Received no calls from Sears. Credit card was billed for the purchase. Made four calls to Sears in regards to this, all ending in promises that we would be contacted within 24 - 48 hours with a resolution. Never received a single call from Sears. Issue is now in dispute through CitiBank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-05 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
I obtained a Best Buy Credit Card administered by Citibank. I signed up for paperless billing. I have faithfully made the payments on time. For the XX/XX/XXXX statement I submitted payment and it was posted by Citibank on XX/XX/XXXX in the amount of {$110.00} which exceeded the minimum payment. It was received and posted by Citibank prior to the XX/XX/XXXX payment due date. I proceeded to get multiple past due notices, dunning phone calls and in the end a past due charge. When I contacted the company, their position was that my payment was too prompt so it was not applied to my XX/XX/XXXX statement. This is not a late fee, it is an early fee. None of the customer service representatives were able to correct this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ASTA FUNDING INC.
State: TX

Complaint narrative:
Palisades Collections, LLC has continuously contacted me and harrassed me for a XXXX Account from XX/XX/XXXX, that I have previously Disputed as not being my account, as it is a result of Identity Theft previously with the XXXX, XXXX, XXXX. Then a few years later Palisades Collections, filed a lawsuit against me and it was dismissed as past Statue of Limitations ( by a few years ). I feel that Pallisades Collections, LLC knowingly filed a lawsuit that was past SOL with hope of a non-response default judgement. After several years of not hearing anything since the lawsuit, on XX/XX/XXXX, " XXXX '' of Pallisades Collections, LLC called me at XXXX from XXXX, to collect on this account. But because I would NOT verify my SS #, I was not provided the Name of the original creditor. So I called back on XXXX at about XXXX and spoke with a male named " XXXX ''. After learning of the original creditor, I immediately pointed out the SOL of this debt has long passed. And I was not paying a debt that I do not owe. I explained that I have very little concern with an account that is more than 15 years old. " XXXX '' then told me that he would continue placing inquiries on my credit reports to negatively impact my credit score. 

I believe this company will go through any unethical means to intimated, make false threats and also resort to unfair business measure to negatively impact consumers credit reports, IF Pallisades Collections, LLC. 's debt collectors feel the debtor will let it go unchallenged.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-16 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I previously had a Home Depot credit card through Citibank. I used it a few times and paid off the balance and then didnt use it in the past year. Unexpectantly I recently received a bill from them and it appears they have transferred debt from my husbands business credit card to my account. My husband 's business has had difficulty and he has some credit cards he has not been able to pay. However his business debt is not my debt - I use my money to pay the mortgage and food bills. I tried calling the Citiback but they want me to give them my phone number, SS #, or account # just to answer my questions about the letter they sent me. I am not willing to give them any of my information as then they will give this information to their debt collectors. How can I resolve this quickly and easily. I am willing to file a lawsuit because creditors seem so evil these days. 
thanksXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Kross, Lieberman & Stone, Inc.
State: OH

Complaint narrative:
XX/XX/XXXX, I received a past due balance statement from a Kross Lieberman & Stone in my maiden name, with my name spelled incorrectly. I contacted them to inquire what it was. I told them that it was sent to me in maiden name and spelled wrong. I have been under my married name for 8 years. They had my information attached to an icloud account that is not mine. I do not have an icloud account. They claim I bought a whirlpool kitchenaid mixer XX/XX/XXXX. I did not purchase this or sign for this. I suspected fraud & reported it to the police. I was advised that it was fraud & to ignore, but monitor my credit. They then called my parents home & left a message and sent another letter in XX/XX/XXXX. I again contacted police again. I was given the same advice and told if they continue to harass, to file an official report. In XX/XX/XXXX, I got another letter. Last week, we noticed our credit drop on our credit card statement. I went and filed an official report with the police and was advised to contact the agency to give them the police report number. When I contacted the agency, they told me to dispute it in writing. I told them I suspected fraud. They asked me questions about my information, and I again told them of the error in the name and the account that it was tied to. They then told me a new date as to when it was purchased & that I supposedly made two payments and stopped. They said it was delivered to my house. This information was different and new from the time I talked to them XX/XX/XXXX. I did not authorize such a purchase nor did I have it delivered to my house. The man I spoke with last week was completely rude. I was told to " put the report number in my dispute letter if it made me feel better. '' I asked how I supposedly paid for this and asked to be sent a hard copy of the authorization for this item and was told that they did n't do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I opened a checking account at Citibank under the promotional code XXXX. This promotional offer is a {$400.00} bonus if I deposit {$15000.00} in new to Citibank funds into a checking account, and holding the money for XXXX days. Once that requirement is fulfilled, Citibank had XXXX days to credit me the {$400.00} bonus. I deposited {$15000.00} into my new checking account on XX/XX/XXXX. Therefore, the bonus should have been posted to my account by XX/XX/XXXX. As of XX/XX/XXXX, the bonus has not posted.

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 2016-06-12 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I applied the Citigold checking account XXXX XXXX by signing up for its promotion offer - a bonus of XXXX miles upon fulfilling its requirements. 

1. One day after I opened the account, I called Citigold customer service, the rep confirmed that I was indeed signed up for the promotion. 
2. In XXXX XXXX, upon completing the requirements for the promotion, I emailed Citigold customer service again. I soon received the following confirmation email that I indeed completed all requirements. 

" From : XXXX XXXX XXXX Date : XXXX Account Number : Interest Checking XXXX Subject : Re : Promotional Offer Reference : XXXX Dear XXXX XXXX, Welcome to Citigold, my name is XXXX. It would be my pleasure to review your promotion completion status. 

I am glad to confirm that you have completed all requirements for offer code XXXX and the XXXX bonus miles will be credited by Citibank to your XXXX account within 90 days from the end of the statement period in which you complete all offer requirements. Your 90 day waiting period will begin at the end of XXXX. Please keep in mind this waiting period is standard for all promotions and can not be waived. " However, five months later, I contacted the customer service again asking why no miles were posted to my account. I was told that I ca n't get the miles because I was not on their initial target list. 

I said I would be OK with the new decision if Citibank was willing to refund me the {$60.00} Citigold service fee I was recently charged. I would have not opened the Citigold and paid the fee if it was not for the multiple confirmations from their customer service. 

Citibank replied with refusal to refund the fee, and re-affirmed the refusal to honor the promotion I signed up for, despite what their reps confirmed in the past.

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 2016-04-25 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
In 2010 I rec 'd a letter from Macy 's stating that they had inadvertently matched me with another customer with the same name. Macy 's corrected their records and removed my address from that record. They stated no incorrect information. was reported to the credit reporting agencies, and they would contact XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Citibank, even though certified my XXXX status, knowing I am non-taxable person, still violate the law to charge me tax. I report to phone customer service and they stated I have to work out with banker in branch. I asked to banker, he did see I am certified and he did submit the request for me, and the case just closed and none of them give me reason of violation, yet they do not return the un-existing tax at all. In addition, I join their checking promo while I open the account, I finished the requirement, and I do not get what they listed " offer " there. I feel frustrated about Citi work.

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 2015-03-23 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citi Bank has failed to protect me against an overcharge from XXXX XXXX. The issue has continued for 3 frustrating months. I finally got the matter resolved and XXXX issued the credit in XX/XX/XXXX. Citi put the credit on my account and all was well for a week. 

Then Citi began sending me letters requesting information about the dispute. I sent them an email response saying the matter was resolved and they could cancel the dispute. Citi notified me XXXX XXXX I would be re-billed for the disputed amount since I canceled the dispute! 

So, I 'm back where I started with Citi and pulling out my hair. XXXX XXXX issued the credit, but Citi still ca n't get my account right. This is the worst customer service experience of my XXXX years. Citi 's lack of controls and oversight is inexcusable. I 've attached written correspondence with Citi.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Dear CFPB, I am asking you for assistance to intervene on my behalf concerning willful non-compliance within a " reasonable time '' by Citi Bank-Direct. refusing to remove, by law, a proven fraudulent credit profile account off my credit reports. 
This unauthorized account is a red flag that is damaging my credit record ; which is a violation of my rights pursuant to the Fair Credit Reporting Act. In circumstance, I provided my name, address, and social security number, demanding within XXXX 10 XXXX ten business days, via certified mail Number : XXXX XXXX XXXX XXXX XXXX, on XXXX for the creditor to provide me a copy of the original application bearing my signature, giving authorization to pull my credit history so that I may forward it to the police authorities for investigation. 
The creditor has willfully not complied with my request. I have never received any benefit directly or indirectly from the fraudulent transaction XXXX XXXX ). Any signature is a forgery and was made without my knowledge ; perhaps due to consumers having similar names and/ or social security numbers. I look forward to you helping me in this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
i bought a house in XXXX XXXX thru XXXX with pmi to be canceled in 5 yrs. citi group took it over in XXXX of XXXX 3 weeks after I bought appraisal was {$420000.00} I paid {$330000.00} and borrowed {$290000.00}, citi jerked us around playing with escrow for three years its fixed XXXX. for 30 years. I reached my 80 % to original purchase price several months ago I now owe {$260000.00} I asked a year ago for pmi cancellation was told they would keep it on the entire length of the loan. XXXX XXXX automatic payment had a typo they called us we corrected it immediately I asked again for cancellation they said they were going to show XXXX XXXX late and I couldnot cancel if they had of honored ambro my original loaners XXXX part of the citi group XXXX it would have cancelled in XXXX of XXXX ive not been late in the entire loan time and would like to get pmi cancelled they are playing very dirty they said now it would be home value as of today not the original loan price can you help? ive paid pmi since XXXX XXXX never late they said they seen the typo and would not show it late because we sent in that day the required amount help please. thank you XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24 00:00:00
Product: Prepaid card — Other special purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: GA

Complaint narrative:
Im a customer of rushcard, during the debacle from last month. I have to receive a merchant refund in the amount of XXXX that was credited to my card on XXXX XXXX 2015. Ive contacted Rush on numerous occasions regarding the issue. No one callled me back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-19 00:00:00
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC
State: NY

Complaint narrative:
I do n't have access to my money for some days now. I ca n't even do a card to card transfer. I ca n't get through on the phone lines. I need my money real badly. I am single mom of XXXX. I need my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-09 00:00:00
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: TMX Finance LLC
State: DC

Complaint narrative:
be for l got the loan the was 9.9 % l XXXX what is the interest, there said 9.9 %, l later found out that the interest 119.9099 % if l had know l would not get it l try to pay this off l have paid all but {$1400.00}, now this titleMAX OF XXXX XXXX say my account balance $ XXXXXXXXand look at my loan agreement l was not told that the finance charge is {$3.00} the loan was for {$300000.00} NO told me, TITLE MAX sent a tow truck to try to reposs my truck and have people sat at my house in the day time and night to try to reposs my pickup truck, and refuse to give my title back l have paid over {$450000.00} back but title Max did not tell me the true about the loan, l feel that have paid the loan back,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I open a student checking account for my son XXXX XXXX at a TD Bank in XXXX, XXXX XXXX so he could have money for a vacation he was taking XX/XX/XXXX to XXXX. When my son went to use the debit card, he had no money on the card. XXXX days later someone cashed a check in XXXX on XXXX at a TD bank for {$600.00} with the same last name ; but the check bounced so they took the money from my son 's account. I have been trying for the last 3 weeks to get his money refunded back to him and every time I go the XXXX Branch or call the XXXX number they keep giving my son and I the run around. This is clearly a mistake that they made, but they keep saying they are still investigating. My son is only XXXX years of age so there would be no reason why he would be in XXXX and even so he was in XXXX at the time the check was cashed. My son had to end his vacation early because he had no money to spend. I worked for the police department in XXXX so I filed a fraud complaint with the police department and a policeman went to the XXXX Branch to find out why they had n't refunded the money while they was doing the investigation and they said they were still investigating. He told the bank that did n't make sense because it clearly shows that the my son was using his debit account in XXXX when the {$600.00} transaction when through. The policeman told me that the reason why they are having a hard time finding a person on the cameras is because the check was probably cashed from someone inside the bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-11 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
MY bank is charging me an over draft fee on items that did n't overdraft when they cleared, and they are XXXX charging me for things that did overdraft. 
EX : there was XXXX separate {$4.00} items that were still pending, then i had an invoice from XXXX come thru while they were still pending ... i got charged an overdraft fees for those XXXX items even though the XXXX {$4.00} items posted they did n't overdraft. then i got charged again another XXXX overdraft fees ( for the XXXX invoice, then i had to go to the XXXX and get XXXX ). 
Then again i got charged on overdraft fee for an item while still pending and again when it cleared

Company response to consumer: Closed with explanation