vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-29 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
Costco unliaterally switched my credit card account from XXXX XXXX to Citicorp. The information around the switchover was scanty and barely came to my attention. I was tracking the Costco XXXX account online, paying regularly, and the account just disappeared from that system at some point, with no notice or transition information provided there. Mail regarding the new card account was lost in junk mail, among XXXX unsolicited credit card offers, for months, until at some point I wondered what had happened to the account transition, and started digging for information. By this time, although I had never requested the Citicorp-based account, had never activated its card ( since I never saw it ), and had never used it, the account was already frozen for late payment, charging a penalty interest rate of 29.49 %, and damaging my otherwise-strong credit rating. This is an unfair start-up process for a card that I did not request or understand, which was simply inflicted on me unilaterally by Costco.

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 2015-12-03 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
The response is fraudulent because I XXXX XXXX legally own the property at XXXX XXXX XXXX XXXX XXXX XXXX, MA, XXXX and I do not have any mortgage on this property and neither does my father XXXX XXXX, The only signed mortgage notes are registered at the registry of deeds XXXX from XXXX that has been discharged and the other from XXXX a division of XXXX and no payment has been made on neither of them for over six years which is well passed the statue of limitations for the state of MA, as confirmed with the Federal Trade Commission. XXXX and Ocwen Loan Servicing LLC does not have any signed supporting documents such as notes registered at the registry of deeds, because of this XXXX and Ocwen Loan Servicing are breaking the law by denying me my Human and Constitutional Rights and also committing bank fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I found out in XXXX XXXX I had judgement entered against me. I was not aware that judgement was entered in XXXX, I was never given court papers. It was explained to me I was served papers by substitution, that is not fair. I can not speak XXXX very well, but I was able to have a friend try to help me settle. They have raised the debt by way to much money and are not being cooperative in settling this debt for a fair amount, even though they never served me properly. I feel like I have been taken advantage of and now being forced to pay a large amount I can not afford.

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 2016-07-25 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I was in XXXX and was looking to purchase a phone. I showed the merchant the phone i was interestednin-merchant requested my passport a crerit card. He went into the back and when mercant returned he said the display phone wws last one. I asked for the box, merchant said it did not have one. I took battery out of phone and saw imei number scratched off. I told merchant i was not interested. I asked that he reverse the charge he made on my credit card. Merchant refused. I called credit card company while still in the store and was told to just leave abd dispute when i returned to us. I submitted dispute to citibank who reversed charge. Approx two months later the charge was reinstated. I again submitted a copy of a phone i did purchase at diff store one hour later that included phone number and description of phone, imei no, return policy etc. Citibank responded that merchant submitted receipt, yet as i told them merchant ran my credit card prior to telling me the phone was not new and likely stolen. I told citibank that merchant did not provide me with receipt that included phone number, type of phone, and my name which was registered with phone number. This is required wheb purchasing a phone ib a different country. I stated to citibank all they beed tondonis ask for phone number and proof that phone was registered under my name or fimply call number to see if i answered. Citibank has refused. This has been going on since XX/XX/2015. i returned to the XXXX to speak rith merchant. The store no longer exists. I submitted pictures and a signed affadavit from the manager of the hotel i was staying at. Citibank dismissed my proofs. I told citibank that it was illegal to purchase stolen merchandise with citibank credit card. Despite all of this, citibank has permanently reinstated charge to my account and reported it to XXXX credit reporting agencies. Bc I wasnone of the individuals whose fbi background check iinformation was stolen from the us office of public management, I reached out to them. They topd me i should retain an attorney. I canbot afford an attorney, nor will i pay for something i did not receive simply bc citibank XXXXtinues to threaten me with delinquency. The fact that merchant 's store webt out of business, it is unclear how thry are verifying merchants account of this purchase that nuver happened.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-09 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I attempted to use my Sears Citi credit card for {$1600.00} purchase for a washer and it was rejected even though I had zero balance and {$2000.00} limit. I contacted them and was told they chose to put a hold on my card because $ amount was outside the scope of my normal purchase range person and this hold protected me.This hold discriminates against the consumer with a low credit limit and small purchase history for small purchase and payment history. Am I to know that a reasonable person should call ahead to get permission or is this a way for the credit card to anger the small user so that they will cancel their card is costly to credit card company to maintain the account. Also the attitude and demeanor when called the customer service line was that use of the card was up to them and not me. I believe the whole experience was very embarassing and the credit card does not care whether I ever use their card because I am a small fish in a very pond. XXXX XXXX e-mail XXXXXXXXXXXX

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 2016-04-14 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
On XX/XX/2015 my wallet was stolen out of my husbands hospital room. I reported it to hospital security as well as crime check, Claim # XXXX. That evening I called and reported it to the lost/stolen number for Macy 's. The next day they called and told me that my card had been used at a XXXX XXXX ATM machine for {$240.00}. T that would have proven that I. I have called every month for 8 months to check and have been told it was it was in process. About 3 weeks ago I called and was told it had been denied. I asked how to go about appealing and was told to write letter with any pertinent information, which I did. I 'm frustrated that it has taken 8 months to come to this decision. My Macy 's account had no balance at the time my wallet was stolen and now with all of the late charges my balance {$510.00}. I feel that they should have acquired the photos that would have provided the proof that it was not 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 2015-11-16 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I set up a Home Depot Credit Card, which apparently is serviced by CitiBank, to pay for countertop installation. I have an excellent credit rating, or at least did when I got the card XX/XX/XXXX. I NEVER received the actual card AND when I got a phone call from some company ( I did n't know it was CitiBank then ) claiming to be Home Depot and stating that I was late on a payment, I called Home Depot. The people at Home Depot told me the company had sent my card to a PO Box in XXXX, XXXX that I had CLOSED XX/XX/XXXX when I MOVED to XXXX, XXXX. Home Depot could n't straighten out the problem, could n't tell me why they sent the card to a 15 year old address, and could n't even tell me what was going on. By the way, I had n't had the countertops installed yet and when they were installed, they did it improperly. I went to the Home Depot store in XXXX, XXXX to PAY OFF THE DEBT. The store manager could n't figure out what to do, but I spoke to the CitiBank company via the store 's phones. I CANCELLED THE CARD WHILE IN THE STORE ON XX/XX/XXXX. I tried to pay the ENTIRE debt in full, but the store manager could not figure out how to do that! ( seriously! ) One of the employees said she would " figure out '' how to do it and I could come back the next day and she would " have the bill ready. '' I went back the next day and the store STILL did not have my bill ready to pay and the employees spent 40 minutes trying to figure it out even though I told them to simply refund the money, recharge it and let me pay with a REAL credit card ( XXXX ). Finally, they did just that and I paid the bill in its entirety with a reputable company 's card. I have received collection calls ( documented ) from CitiBank FOR A DEBT THAT HAS BEEN PAID AND CARD THAT WAS CANCELLED on XX/XX/XXXX at XXXX ( XXXX ), XX/XX/XXXX at XXXX and XX/XX/XXXX at XXXX and ( XXXX ). I received one other call from CitiBank for debt collection prior to XXXX ( which prompted my investigation ), but can not find the number and date on my phone. Each time I 've received a call, I 've tried to speak with a representative and the recorded statement is ( something like ) : " I 'm sorry, but we can not respond to your request. '' STOP THESE XXXX! HOME DEPOT WO N'T DO ANYTHING. THE DEBT HAS BEEN PAID IN FULL AND THE CARD WAS CANCELLED!!!!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
RE : XXXX/CitiBank Credit Plan credit card account I paid my balance in full by phone on XXXX/XXXX/16 BEFORE the due date of XXXX/XXXX/16 because their website was down, which I 've always used to make my payments ... and I ALWAYS pay in full! I also rec 'd a confirmation number from the phone customer service rep. However, when I rec 'd my next statement ( on XXXX ) there had been no payment and there was a late fee and interest. I was flabbergasted and confused ... and VERY upset! So, I immediately called and talked to XXXX, another phone agent, at Citibank ... who took my information AGAIN over the phone and promised to correct the error. When I checked my credit report later, I learned that they had listed my account as 30 days past due. SO, I website chatted with another Citi agent/manager XXXX XXXX XXXX, who instructed me to write a letter and they would correct the error ... again. They did reverse all fees and interest, BUT never corrected my payment history. This is inexcusable and of no fault of mine ... and REALLY damaged my credit, which was perfect. 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 monetary relief
Consumer complaint received 2017-03-14 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I have been issued the VISA Platinum level credit card by CITI bank a few years ago. I have been currently out of the country since XX/XX/XXXX and Citibank/credit card was informed about it. Unfortunately, without informing me or without any advance notice, the card has been blocked and I am unable to use the card while travelling, which causes a lot of problems for me. There is no reason for blocking my card and funds on the above card. I called the bank four times on XX/XX/XXXX. The first representative informed me that the bank is changing cards ( from VISA to Masercard ) and that I would be receiving a new card " soon ''. I was also informed that I could still use the old card for 75 days. The bank employee confirmed, that if I tranferred my money to the old card I would be able to use it. I did that. Unfortunately, my card and my funds are still blocked by Citibank. I called Citibank again after my card was declined during attempt to pay a bill. I was informed that due to weekend my funds would be available on the next business day, that supposed to be Monday ( XX/XX/XXXX ). I waited. Unfortunately, the card was declined on that day as well. I called the bank immiedietly after that ( again a few times as no one was answering the call after I was prompted to enter my card number and Social security number ). Finally I was connected and asked to speak with a suprevisor. In a pleasant conversation, the supervisor assuered me that I would be able to use the card after midnight, meaning on Tuesday ( XX/XX/XXXX ). I have just tried to use the card today ( XX/XX/XXXX ) however the situation continues, and the card is blocked by Citibank without my posibility of paying the essential bills including, but not limited to buying a plane ticket. The situation is outragous with the bank being fully aware of my travels abroad, sending some cards somewhere ( certainly not to me ) and blocking my old card preventing me form using it while travelling abroad and having limited access to any funds or banks. Moreover, on XX/XX/XXXX, I received a call from Citibank employee telling me that my credit card bill is overdue and I am over the limit on the card, which is clearly not the truth as showed in the attached screen photo of my Citibank credit card webpage as of XX/XX/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 2016-04-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have contacted Citi mortgage to try to find out about my ability to request PMI cancellation and what it would take to accomplish this. The service rep has misinformed me and asked me to sign and return a document authorizing the appraisal of the property. In was assured that thebactuall appraisal will not be done if I disqualify under any other scenario for the PMI to be removed. Instead in was charged for the appraisal and was sent a letter statimg that in do n't qualify. I have reached out few more times to xleqrify why ibwas charged and was misinformed on multiple occasions regarding additional principal payment in would have to make to initiate the vancelation. after multiple attempts I brought down the LTV tobbelow thenfederaly mandated 78 % and yet citimortgage is still refusing to cancel the pmi. 

Please assist with my issue. 

XXXX XXXX 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 2016-07-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I closed on my CitiMortgage home loan in XXXX XXXX. In XX/XX/XXXX, I lost my job, and filed for bankruptcy in XXXX XXXX. I continued to make my mortgage payments. Since that time, I have been unable to access my loan online, create auto-payments, check my balance, escrow, etc. CitiMortgage regularly sends out someone to 'check occupancy ' and charges me for this. In XXXX XXXX, CitiMortgage notified my home owners insurance company that I no longer lived and the house was vacant. I have lived in my house continuously since the day I moved in, and I make my house payments. CitiMortgage sends me XXXX letters and XXXX envelopes a week. When I call to get this cleared up, I am told : 1. I owe thousands in fees and charges 2. No one can help me. 
3. I failed to 're-affirm the mortgage when my bankruptcy closed and the only way to do that now is to file bankruptcy again. ( I am financially solid now ) 4. My attorney tells me that CitiMortgage ( like XXXX -my auto loan company did ) was responsible for sending out the re-affirmation. 
I am caught in a viscous circle of everyone pointing fingers, charging me thousands in fees, sending me a demoralizing amount of mail all saying the same thing [ if you need help, call HUD. I do n't need help with paying my mortgage..I need help accessing my mortgage and getting the fees removed ]. I need help stopping the occupancy inspections and false notifications to my insurance company of abandonment. 
I want my mortgage cleared of all fines, and released to my access.

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 2016-04-20 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I have closed my account with Macy 's for a credit card multiple times ( most recently in XXXX 2015 ) and I have received new statements with late balances. I closed the card due to the inappropriate application of fees and late fees. Now, with the account closed with a XXXX balance four months ago, I receive a new statement saying I owe {$8.00}.

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 2016-08-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Since XXXX I have been dealing with citimortgage on modifying my mortgage through a program named naca. Since the time this has the company that citi was originally dealt with has lost my paperwork, changed representatives, and made me start the process over multiple times and asking for the same paperwork over and over that already existed within their system. I have suffered illness in the process and still was able to show income, promoted to a new job and salary and still declined. I was advised not to send a payment to citi at the time this all begun as I was told that they would decline the payment until the modification has been approved. Here I am now 6 years later, and citi wants a reinstatement payment of {$80000.00} or my house goes up for sale XXXX XXXX, XXXX. I have been given the run around from citi in more than one way and have been through the steps providing them with everything they have asked. I have emails from XX/XX/XXXX with my contact with all representatives, and the citi rep say she sees in her system that I have been trying to have a modification done since XX/XX/XXXX. With every decline my amount down goes up and the ability to start paying declined. Now they want {$80000.00}. I am a working father, married with XX/XX/XXXX kids and they are forcing me out of my home. I have saved money through all of my hardships and even while having my check garnished and tax returns taken I still have money to cover our mortgage payments for a entire year without touching my biweekly check. Somewhere something was n't done to help us, but through continuous restarting, re-requesting the same paperwork, and changing representatives we have gotten the raw end of this deal and will not become another foreclosure statistic.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
From XXXX XXXX to XXXX XXXX, I received XXXX calls from One Main Financial, placed from phone numbers XXXX, XXXX, XXXX, and XXXX. XXXX of those calls were made to me at XXXX and XXXX call at XXXX When the calls went to voice mail a message was left telling me to contact One Main Financial about an important financial matter. When I called, they wanted my loan number ( I do n't have XXXX -- I have no financial dealings with One Main Financial ) or my social security number, which I refused to provide since I do n't know if this company is legitimate. On the occasions they reached me directly, I would tell them the person they wanted was not at this number and they should stop calling me, but the calls continued. I gave them my name and phone number and they acknowledged they had no record of me in their database. From XXXX XXXX to XXXX, I called them daily telling them to stop placing calls to my phone number and was told a supervisor would take care of that, but the calls continued. Finally, on XXXX XXXX, I was told that they were calling XXXX and trying to reach XXXX XXXX or XXXX XXXX. The operator had no idea why she had incorrectly called my number, which differs by XXXX digit, but that she would report it to a supervisor. Most of the calls were received on my voice mail, and when calling the number they left, it was difficult to reach a live operator, the operator refused to direct me to a supervisor, and promised to fix the problem, which was often not done. No operator was available after hours in Texas. Calls were placed outrageously early and interrupted my sleep. No one ever apologized for the disruption of having debt collectors unjustifiably calling my number several times daily, filling up my voice mail, and possibly conducting fraud by asking for my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
We have a home equity loan with CitiMortgage. A few years ago the bank advised that we were in a flood zone and to submit proof of flood insurance. We complied although our first mortgage serviced by XXXX stated we were not in a flood zone but escrowed for us anyway. Now our first mortgage is serviced by XXXX that refuses to escrow for the flood insurance because they state we are not in a flood zone. We would like citimortgage to look at the flood maps in our area and provide proof of the home being in a flood zone because XXXX other banking organizations agree that we are not in a flood zone.

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