vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-11 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XXXX my company gave a check to a tenant as a refund for the deposit that he did when rented the apartment to the company. He cash the check sending a picture to his bank on XXXX and my bank ( Citibank ) paid the check. He sent again the check picture on XXXX and it was paid again by my bank he sent again the same check on XXXX and it was paid again on XXXX was paid again. On XXXX was paid again. On XXXX was paid again. On XXXX he altered the number of the check but only on the top right side, not at the bottom and it was paid again. On XXXX he presented again the check and was paid by the last time. In total the same check of {$950.00} was paid 8 times by the bank. 
I think Citibank fail in their responsibility of checking that : the check number was paid before and the check number was repeated, XXXX times the check number was altered and the check were expired and paid after 6 month of the date in the check. After presenting a complaint in Citibank when i discovered all of this when I was preparing the report to pay taxes al XX/XX/XXXX, they oficially didnt answer up to now but the manager of the office in XXXX say that after 30 days they are nor responsibles of what they did and that they will not refund me my money and wont prosecute to the person that did it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
In XXXX, Citimortgage coerced a voluntary judgment from me for a XXXX mortgage on a home I possessed while I was still negotiating terms for loss mitigation with the XXXX lien holder. This action took place during a mediation with a mediator selected from a list they provided. I fell behind on payments as I lost my job of nearly 10 years in XXXX XXXX. I was still unemployed at the time they had me sign the voluntary judgment even though I repeatedly told them I did not want to sign it. The XXXX lienholder subsequently foreclosed in XXXX XXXX. Citi, through their third party attorneys, XXXX and XXXX, sought to have me file a notice of exemptions in XXXX XXXX based on this voluntary judgment, and I was served with this paperwork in XXXX XXXX. I responded timely with a motion to open and dismiss the judgment but my argument then was insufficient. I now see, based on the XXXX filings and now an improperly issued notice from the sheriff threatening to take my personal property if I did not respond by a date certain ( came regular US mail ), that Citi and their attorney have dealt with me unfairly, fraudulently and illegally, particularly in light of the XXXX XXXX, XXXX Consent Order to Cease and Desist foreclosure activity against borrowers with pending proceedings from XXXX XXXX, XXXX through XXXX XXXX, XXXX, and the subsequent Consent Judgment of XXXX XXXX which afforded balanced remedies and/or restitution to borrowers in this category including XXXX. I was a qualified borrower. However, I was never notified by Citi or its attorneys of the Consent Order, Consent Judgment or any potential rights or remedies I may have had under them. I believe they deliberately rushed to get the voluntary judgment against me in XXXX in order to exclude me, and they did, in fact, exclude me from being a borrower under the Consent Judgment even though I did qualify. I have suffered irreparable financial harm from CitiMortgage and its third party attorney, XXXX and XXXX by their not following the Consent Order to Cease and Desist action against me and then by excluding me from the Consent Judgment where the balance on the XXXX mortgage may have been resolved under XXXX and/or other provisions, and then by their continuing to pursue the full balance of the mortgage plus accrued interest, for which they also did not properly document the ownership of the debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I took out a private student loan with Citibank in XXXX in the amount of {$6400.00} to pay a balance owed on my student account. The loan was split into XXXX disbursements of {$1700.00}, {$1700.00} and {$3000.00}, each with their own loan fees totaling {$640.00}. The interest rate for {$3400.00} was 7.50 % and the other {$3000.00} was 8.00 % ( which increased this month to 7.75 % and 8.25 % respectively ) although my initial understanding of the one percentage rate. I XXXX in XXXX XXXX and I began repaying this loan in XXXX XXXX. Since then, I 've made monthly payments which at this point total {$4500.00} yet Citibank is claiming that I still have a balance of {$6500.00}. I have not any luck in getting Citibank to provide clarity as to how may payments are applied and how I 've managed to pay {$3300.00} in interest but only {$1100.00} in XXXX months nor how I owe {$6500.00} on a {$6400.00} loan.

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 2015-12-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My wife has a XXXX XXXX XXXX sky miles credit card, her name is XXXX XXXX XXXX I was just an additional non responsible member, when I pulled my report I saw that they are reporting me like 6 times for the same card, I immediately requested they should take me of from this card completely, when I made them aware that they are listing me six times XXXX card limit and all maximized and its effecting my credit very badly they advised me it was a mistake on their end they will make sure to take it completely, they will just have me listed as XXXX time additional when in fact they left all the XXXX cards listen on my report and just saying that I was terminated. 
Thank you very much for you help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Aspen National Financial, Inc.
State: CA

Complaint narrative:
We were late on a membership fee to our timeshare with XXXX XXXX but have since paid what was due to XXXX. An outside collection company called Aspen National Collections which we have no business affiliation with, keeps harassing us for some fee they trumped up of {$53.00} for their services. We do not know who this company is and have advised them multiple times to stop calling us. They continue to harass.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-02-02 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I XXXX XXXX XXXX in sound mind legal attorney legal XXXX acc # at citibank route # and account with address XXXX XXXX XXXX XXXX and account with old address XXXX XXXX XXXX XXXX XXXX XXXX citi bank never placed my XXXX acount in my XXXX XXXX acount and never reseved my statement forward to me with a XXXX dollar shopping spree from XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Macy 's credit card permits my card to be charged monthly for some " credit protection '' subscription service I never authorized. I have contacted the card issuer by email on numerous occasions to notify them that this is an erroneous charge but they allege they are powerless to stop this charge or to remove it. They direct me to a phone number, at which I have never been able to reach a person to get the charges removed or ceased. Since this number fluctuates in proportion to my present balance, it appears that this is a form of undisclosed interest on my purchase amounts. This is absolutely unscrupulous.

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

Complaint narrative:
My Best Buy Credit card ending in XXXX I had closed the account due to reoccurring fraud. ( 6 times ) someone went into several best buy store and looked up my credit account and made large purchases without a physical card. Now I have charges on an account ending in XXXX which was reissued after my this fraud claim even though I told Citi Bank that I wanted the account closed. Citi Bank who is the Best Buy Credit Card issuer told me those accounts were closed but some how someone made another purchase. Seems like this is a Citi Bank Issue. Now I have a balance due {$1600.00} which Citi wants me to make payments on even though non of the balance is mine. I have called them multiple times and its like talking to a tree.

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 2017-01-22 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
My ex and I opened this account about 11 years ago. 10 years ago I was out of work for a few months due to an injury. That is when we really started to use the card. Once I went back to work we started paying {$300.00} a month to get the card down which was more than the minimum payment. After 2 years, they changed their terms to a higher interest rate and we refused to pay the higher rate so they closed our account. After that time, we did not receive monthly statements. We knew we still owed on it, so we kept paying {$300.00} a month. 4 1/2 years ago, we got divorced and the judge asked for the balance on this card. I told him I did n't know since we had n't gotten a statement in 4 years and I did n't have a number for their customer service. The judge and the lawyers said that that was highly unusual and I should try to find the number somehow. So I did and they gave me the amount owed which was still about the same amount as what we had originally charged. There was no way that was correct. I told them that I wanted all the statements from those 4 years that they never sent us. They said they could only go back a year so they supposedly sent me those. After the divorce I could n't keep paying the {$300.00} a month so I called them to work something out. I also told them that they still had n't sent me prove that I owed this amount. The guy I spoke with told me they could adjust my payment to {$300.00} a month ... are you kidding me? Someone told me to not pay for a couple months to see if they would settle. So a couple months later I called and talked to someone else. Told them the whole story again, she was very nice and understanding. She said she could get me the missing statements and that they could split the payments with my ex according to the court docs. She gave me the address to send them to. I sent them along with a letter and the number she had given me. Nothing except them calling every day which I would n't answer because they would call my cell while I was at work. My point is, there is no way that we owed the amount they were saying if we were paying over the minimum to begin with. We never received statements, so if the due date changed, we did n't know. The account was closed, so there is no way we were still charging anything. I have not paid anything in 4 years due to the fact that they said they were getting me in the information that I requested and they have n't. So now they have charged me late charges and interest and are now threatening me with a lawsuit. All I wanted was proof that I owed the amount that they stated at the beginning. They have tried to offer me a settlement now, but I do n't even think I owe as much as that.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: SD

Complaint narrative:
When I made my purchases with best buy the customer service representatives never said anything about having a deferred interest promotion all they said was 12 months interest free ... NOTHING WAS EXPLAINED OR SHOWN TO ME ABOUT DEFERRED INTEREST!! I feel completely taken advantage of and abused by this bank because I have large payments I ca n't afford and did n't plan on having on my account. I want at least some of the interest waived and a payment plan that will help me get this account paid down or I will continue complaining to every agency I can find

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 2016-11-18 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I 'm receiving collection notices from XXXX XXXX XXXX XXXX, for debt for a Macy 's account which was fully paid. The debt appears to be late fees and interest charges, not charges purchases. I tried to resolve the issue with Macy 's over a year ago but they transferred the account to a collection agency and I 've been receiving notices despite several attempts to clear the 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 explanation
Consumer complaint received 2015-05-10 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
An agent from One Main Financial in XXXX Minnesota opened an ac for me, I had indicated to him that my husband had an ac with them which I cosigned and I wanted to open my own to which he said I qualified after verifying my credit history upon signing my disclosure statement I realized that the amount was more than I had been given to which I was told since my name appeared on husband s ac his balance will appear on my new ac until its paid out little did I know that he had closed my husband s ac after he received his paid out disclosure notice we called the bank and they were looking at ways to reverse the situation 2 days after this inquiry I called again and was told it was 14 days after and there is nothing they could do, as if that was not enough my husband s ac was debited of this loan payment despite the fact that this was a different account his had been closed and payment date was different the bank was called and they indicated to him that this was the voided check I had presented to them suggesting fraud on my part really then when I contacted them they apologized and I asked me to present copy of my check ( VOIDED ) I did but they again this time debited his ac and also mine different dates but same ac called them again and accepted the mistake and promised to e send a check back for credit and shockingly my husband received a letter sting that he had authorized them to take payment from his ac so no check refund from them so unprofessional customer service and disapointing that I now carry this big loan I did not apply for and cat get help and still getting messed up every time. this needs to be stopped

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XXXX XXXX, XXXX, I terminated my checking account with Citibank, which had a {$300.00} line of credit. On that date, Citibank claimed that I owed them {$300.00} for automatic payments, which the bank has never paid. I therefore paid Citibank {$300.00} for the line of credit and {$2.00} interest from my XXXX XXXX checking account ( ending XXXX ) on XXXX XXXX, XXXX, and confirmed with the bank 's representative that I owed nothing else. 

Nevertheless, Citibank continues to claim that I owe them more than {$100.00}, which, the bank claims, has been accruing interest since XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I received another letter from Citibank regarding the phantom debt and called their toll-free number. I spoke to a woman named XXXX ( ID # XXXX ) who told me, " [ Citibank ] has no record of your debt. '' I requested Citibank to immediately resolve the dispute in my favor and was given Citibank complain No. XXXX. 



-

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I experienced a hardship in XX/XX/XXXX when I lost my job and then divorced in XX/XX/XXXX. This resulted in a prolonged financial hardship and I contacted my lender Citimortgage and requested assistance. I was advised that I could not qualify as I was not in default and was told to stop making payments by an attorney in order to meet the program guidelines. I had returned to work in XX/XX/XXXX and was in a position to begin making a modified payment. After a prolonged period of submitting and re-submitting documents as they were requested I was denied for modification even though I had been approved for hardship assistance under the State of Nevada 's HHF. A Notice of Default was recorded on my home in XX/XX/XXXX. I attended mediation in XX/XX/XXXX, under Nevada 's FMP and the notice of default was cancelled due to the lender 's failure under the FMP rules. XX/XX/XXXX I sought assistance from XXXX Housing counselor and began the process of review for loan modification again. During the time that I requested assistance I received multiple denials including letters that identified my loan as ineligible under multiple programs including 1 ) Private Supplemental program ; 2 ) VA HAMP ( loan is not VA ) ; 3 ) HAFA Short sale option ( I did not request ) and 4 ) Lack of contractual authority as investor is XXXX XXXX. Each time the modification was denied I was advised to reapply but was never reviewed based on my ability to repay. In XX/XX/XXXX another Notice of Default was recorded and a mediation hearing was held in XX/XX/XXXX and once again the default was cancelled due to lender failure. 
I have been trying to preserve my home for myself and my XXXX children who live with me. I have had the ability to make payments since shortly after this process began and my only goal is to keep my home and honor my commitment to meet my obligations. Citimortgae has made this process incredibly difficult and I have done everything that they have asked. It is my understanding that as The XXXX XXXX is a Government Sponsored Entity that falls under the oversight of the Federal Housing Finance Agency that is does or should participate in loan modification resolutions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-25 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Taking an offer with Bloomingdales to receive a discount on a singe purchase if I took a credit card and paid it off within a certain time. did so, but they credited the wrong account and started charging me interest and fining me for late payment. On discovery, they apologized, refunded all the fines and promised to not let it affect my credit history. On being turned down for a mortgage last week, I pressed for possible reasons and this came up along with an internal error by XXXX, my bank, which also apologized and refunded fees charged, but has still adverse affected my credit scoring. XXXX Bloomingdales error and XXXX XXXX error

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-17 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I submitted a CFPB complaint previously ( XXXX ) with Citibank alleging that they had failed to uphold the terms of their promotion by not paying out XXXX ThankYou points for the checking account bonus. They responded by telling me they would honor the promotion but that I needed to send in a XXXX form so they could verify my identity ( despite them already having done this when I opened the account ), and to call a number in their XXXX XXXX office after I 've sent it in. I sent it in immediately and have called several times but have always gotten a voicemail ( I 've left voicemails twice ), and have never heard anything back, which makes me think that they are once again trying to avoid paying out the bonus.

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 2016-12-21 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.

Complaint narrative:
With Reference to Credit Card Ending XXXX, I had sent Many Mails to Citibank Customer Care and Grievance Cell and Citibank had sent Mails to Revert in 5 Business Working Days from Last 15 Days for the same, They had Given Me Reference No. XXXX & XXXX But No Any Mail Received from Citi bank Regarding Solving the Issue. They Were Charged Joining Fee as When I had taken Credit Card at that time, Concern Citi Bank Sales Executive told me that It was Life Time Free and No Any Hidden Charges also to Be Levied But Citi bank Charged Joining Fee of Annual and I had sent Many Mails to Concern Citi Bank Credit Card Department But No Any Resolution Given by them .... Please help me for the same

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