vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-27 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I purchased merchandise from Macys.com on XX/XX/2016. while it offered macys ' money as incentive to use later. I earned some Money 's money but did not use it all. There was only one week window to use Macys ' money. 

Later I returned one of the products due to its quality. Macys deducted {$20.00} from the money I paid for the merchandise. The merchandise is {$70.00} which could n't earn {$20.00} Macys ' money. Yet, Macys ' took {$20.00} from me. I have contacted Macys several times, but it has refused to credit {$20.00} back to my credit card.

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 2016-04-05 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I want my credit card canceled. Ive called them twice to do just this, and they tell me that theyd cancel it and send me notification or proof of doing so, but I havent received anything confirming the cancelation. Instead, I receive product promotions from the card.

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 2016-08-26 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This complaints regards to a undelivered account opening bonus promised and confirmed by citibank. On XXXX 2016, I opened a new Citi gold interest checking account with an opening bonus to receive XXXX AAdvantage miles when certain requirements are met. When I got my card, I contacted the customer service to confirm the offer. Also after I met all the terms of the promotion, I called again and the customer service representative told me that I should receive my bonus within three months. Now the three months passed by and I have n't received the bonus. I contacted citi again and now they said I am not eligible for the offer. Even though all the previous calls I made, they said I had the offer, met the requirements and would get the bonus. The citi representative today refused to open a case, investigate the issue or provide a solution. I think this situation has be very troubling, deceiving and unethical on the part of citibank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-04 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
My Citibank credit card account opened 19 years ago was closed without warning. Being one of my oldest credit card accounts, this decreases my FICO score and damages my credit rating. When I called and asked for the account to be reopened, Citibank wanted to run a new credit report to reopen the account. Running credit inquires will decrease my FICO score and damage my credit rating. When used, my payments for this card have always been on time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I contacted customer service via phone to inquire about a promotion of getting XXXX XXXX miles upon opening the Citi Gold checking and meeting certain requirements. They told me I would qualify so I signed up online. After my account was opened and I received all my documents I sent a secure message asking about the promotion on my Citi Gold checking account. There was a promotion for XXXX XXXX miles or XXXX thank you points and I thought I signed up for the thank you points so I wanted to clarify with an agent. The agent replied via secure message that it was n't the XXXX TYP points that was attached to my account but the XXXX XXXX miles promotion was attached to my account. So, I continued to meet all the requirements set forth in the message the agent sent me and I never got the miles. Now when I inquire about it, they say I was n't meant to get it. They mislead me into signing up for their account with an offer they withdrew.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-28 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have an ongoing investigation with Macy's/Citi concerning 2 accounts with fraudulent transactions. The first, I opened and have used for several years until XX/XX/2016, when I identified fraudulent purchases. I notified Macy 's ( store ) who could not help. I had to call the credit/security department during their regular hours, M-F XXXX ET. Living in XXXX., that is n't easy to do when you are working .None the less, I did, I received and completed the needed affidavits/statements concerning the purchases. Not long after, I saw that a new account was opened ( I did not authorize ) which had many transactions. Some orders I was able to cancel and several items were mailed to various addresses around the country. I never even received the card. I also saw that my email address for confirmations was changed ( not be me ). It was just slightly different than my own. I have been receiving calls from " apparently '' the Macy 's fraud department. No messages are left. Today I called back and I was told that they could not tell me why they were calling. I looked at the closed accounts which still show a past due balance and I receive payment notices. I placed an outbound call to the phone number I had and spoke with XXXX, # XXXX and explained that the calls must stop and the accounts closed and balances charged off. I am concerned that the derogatory credit will be provided to the credit bureaus and I will be left with the mess. It has been more than 90 days. I do not want a derogatory report submitted, even if it is later corrected.

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: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My wife and I have completed successfully XXXX trial loan modifications with Wells Fargo/ASC on loan number XXXX an Investment property. 
We also completed XXXX trial payments on another Separate Wells Fargo loan number XXXX. Wells Fargo said they would not modify these loans if the liens were not addressed. 
These liens which the Wells Fargo Home Preservation specialists provided us with were cleared. 
In XXXX 2015 Wells Fargo modified loan number XXXX, but they have refused to modify this loan number XXXX. They want us to pay off the second lienholder or have them subordinate the lien. 
The second lienholder has modified their loan twice but Wells Fargo said they will not modify the loan. Our even speak to the Second lienholder who agreed to work with me if Wells Fargo contacts them. I have no single point of contact at Wells Fargo, I keep getting letters but when I call in to Wells Fargo I am transferred from person to persons who keeps telling me to send in documents or call back when I get my second lienholder to subordinate the loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: AZ

Complaint narrative:
I purchased a vehicle through a dealership and was financed with Santander Consumer USA. They are the worst in terms of LYING after making payment arrangements on my loan ; I was told that those arrangements were never made. Causing the loan to be in default and allowing them to Repo the vehicle. after this happening 2 times, I decided to start recording the conversations. on multiple times I was told that the arrangements were not made, or that the payment didnt include certain fee 's which allowed them to tack on more fees after the car had been Repo 'd. On XXXX XXXX, 2016 I was sitting in the vehicle with my Husband the Truck driver ( Repo ) Rammed into my vehicle with us in the vehicle causing injury to our XXXX. after we are sitting in the vehicle in Mid-air the truck driver gets out of his truck and comes around to the drivers side and try 's to pull me out of the vehicle ( I was assaulted and Battered ) by the driver as the other person working with him in an unmarked car had drove up behind me and blocked me in ; So, that I could'nt back out of the driveway. I have been harassed, Followed and caused pain and suffering by the the driver and his partner. when this situation occured my Husband called the police while he is sitting in the backseat suspended in mid-air. The police come and take a report and tell/Instruct the driver not to have any contact or come with-in XXXX feet of me or the vehicle ; Until, I made contact with the finance company on Monday XXXX/XXXX/16 by the end of business day. During the week-end I was still under attack by the Truck driver and his partner, constant following and the ended up picking the vehicle up on the day prior of the instructions by the police. the vehicle was then taken to the vendor XXXX XXXX XXXX who contracts with the towing company XXXX XXXX in XXXX, Arizona. After paying the $ XXXX to get my vehicle back from out of Repo status the Vendor told me the car was damaged and not operative the Tire Rod had been Busted and Gas tank had sugar poured into It. 
I had to wait 1 week before picking up the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This is regarding our loan # XXXX. Our first Homeowner Support Specialist, XXXX XXXX contacted me on XX/XX/XXXX regarding our loan. We submitted paper work requested by XXXX XXXX. We were immediately reassigned to a loan negotiator XXXX XXXX. We submitted our information regarding out loan including hardship letter, personal and business tax returns, bank statements, and information about the property associated with the loan without much feedback from either XXXX XXXX or XXXX XXXX. We were reassigned again XX/XX/XXXX to XXXX XXXX XXXX. During this time we acquired the assistance of an attorney XXXX XXXX XXXX of XXXX XXXX, XXXX. XXXX XXXX attempted to contact XXXX XXXX in numerous occasions on our behalf regarding a short sale of the property in association with loan # XXXX. There was no response from XXXX XXXX to either me or my legal representation. A mortgage complaint was filed on my behalf from XXXX XXXX and we were reassigned to a XXXX Homeowner Support Specialist XXXX XXXX. We resubmitted all of our paper work again only to be reassigned to a fourth person XXXX XXXX XXXX. This whole ordeal took so much of my time and efforts getting information to different people at Citi Mortgage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I refinanced my mortgage in XX/XX/XXXX for 15 years with CitiFinancial Mortgage Co., Inc. The note had a Timely Payment Rewards XXXX which would drop my interest rate by 0.05 % if I completed with XXXX conditions. Good Payment History ( never being late ) and the $ XXXX. Loan Equity Builder where I sent in an additional {$100.00} every month which would result in my note being paid off in 8 years and 8 months, ( per Loan Equity Amortization ). This would result in my note being mature on XX/XX/XXXX. I have been watching the balance owed and noticed that there was more owed on the note than should be. This began several phone conversations with Citi and then I began corresponding in writing. When Citi applied the above mentioned Rewards XXXX, they changed the amount of monies that were being applied to the principle therefore extending the note by ten months. If you take the difference in the XXXX month of the note and apply that to the principle, then my note would have matured this past XX/XX/XXXX. Citi states that they did not apply monies incorrectly and they changed how the principle/interest is applied. I think this is a breach in our contract. I have several letters of conversation back and forth between Citi and myself, which I will attach.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: LDF Holdings, LLC
State: VA

Complaint narrative:
I received a letter stating that it was a XXXX reminder for an outstanding account which I had not opened. I had never heard of this business before. I tried calling and was asked for personal information which I did not supply. XXXX, XXXX, XXXX and XXXX were not helpful and was hung up on twice. The envelope in which I was supposed to remit payment was self-addressed to NIIWIN , LLC XXXX Lendgreen. XXXX XXXX XXXX, XXXX XXXX XXXX, WI. XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: MI

Complaint narrative:
unauthorized inquiries on credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: NH

Complaint narrative:
Chrysler Capital refuses to send me a monthly statement. After I realized it was overdue, I tried to call the phone number of my previous statement but it would n't accept my account number and I could find no way to reach an actual person. 

When I asked about this using their online system ( apparently they do not accept e-mail ), their response was to call that number. 

When my next message explained that the number did n't work for me, their response was to use online chat. 

When my next message said I had no Internet access and online chat at a public computer was n't appropriate, they said they had no way to send me a statement and again said I should call the number or use online chat.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XXXX XXXX, 2017, I had 48 hard inquiries removed and then they were put back on. I did not receive any notice as to why they were put back on my credit report. I have tried disputing these items with Transunion and I am not getting anywhere. There were a few that I did not want removed because they are current and they were XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX. Also when the glitch took place, closed accounts that were no longer showing up with a negative affect on my account, are now showing up affected. The school loans are showing up as late when they were deferred. 
Can someone please assist with this, I am trying to build my credit and this issue is holding me back from getting ahead.

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 2015-09-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
Santander!!!!!! My mother has been dealing with them for years and has XXXX cars through them right now XXXX is a XXXX ford focus and the other is a XXXX ford focus the XXXX I have personally been paying for almost four years now and she had this car five years before me and we are still paying for it so in all we both put together has paid for this car about 3 times when the car was originally only XXXX dollars as for the XXXX my mom has had this car for four years and again still paying for it the car was originally XXXX dollars now 4 years later the they saying she owes XXXX dollars!!!!!!! and no one can give a straight forward answer as to why just recently we spoke to someone on the phone and if I must say so myself ( I 'm usually not a complainer ) the WORST costumer service ever no one can give you a straight forward answer and of course every time you call your talking to someone new who all have different answers and I just do n't think a deferment here or there or late fees can first of all have you owing the same balance for four years and now owing XXXX dollars more and the car is no where near worth that much now and when you ask them to explain it seems like every one 's mind seriously goes completely blank not to mention they are some of the rudest people ever interest is added to every payment but when the car was first purchased they said that the reason the balance has n't started going down on the first couple statements was because we started off paying interest on the car so nothing has started going towards principle yet and now here we are XXXX four years later and we 're still paying interest something just does not add up with them this company seriously needs to be shut down so they can stop ripping people off also we XXXX have been to several different car dealerships and they have said the exact same thing about Santander that they are a BIG rip off and the will never allow Santander to finance any of there cars so in my opinion that says a lot

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: LDF Holdings, LLC
State: MI

Complaint narrative:
XXXX payday loans were taken out in my name by someone and they were all done over the phone, and each payday loan said they verified my information, work, bank, etc. What they verified was wrong. The info they had was opposite, I was unemployed, homeless, and bank was at close to {$0.00} balance with no automatic deposit. Now it way overdrawn and in the negative. XXXX for {$700.00} ; XXXX XXXX XXXX for {$400.00} ; and Lendgreen for {$520.00}. I ca n't even get a credit card and how these were even approved, I do n't understand.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: MO

Complaint narrative:
I had a car loan with Santander that default back around XXXX 2011 and the car was repossessed. Santander is claiming the the car was damage but the time they saying it was damage it was n't in my possession. The damages that they said I cause to the car cause for the value of the car to be less then what it should have been and they was n't able to profit from it to the point the they break even and I do n't own any money and also its affecting my insurance rating. when the company they hired to repossess the car it was at XXXX and my car was park in the driveway behind my mother car and they move my mom car and had her car turn side ways in the driveway and on the neighbors grass and also my car was half way in the driveway and on our grass and they had the tow truck on our lawn and even destroyed our lawn also

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
I had an accident XX/XX/2014. The car was totaled. I contacted Chrysler Capital to find out how to handle the balance left over. I was told that there was n't anything due at the time. I tried several times to take care of this. I kept getting the same response. I moved in XX/XX/XXXX. Months went by and I did n't hear anything. Then I went to buy another car and the Chrysler account is reporting inaccurate information. I sent a letter to see if I could get this straightened out, but have n't received a response. I will pay the money I owe ( minus late fees ), but I would like the reporting to be cleared up. If I was given a total when the claim was completed, I would have paid it then.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: CAB Receivables, Inc.
State: VA

Complaint narrative:
Credit Adjustment Board contact me in reference to a {$140.00} medical bill that I owe and I told them im unemployed and made arrangements with the dr office directly and was going to pay them directly and was basically cursed out and told she was going to list my file as a refusal to pay and send it to the courts.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: On-Site Manager, Inc.
State: TX

Complaint narrative:
I recently received a credit report prior to applying for an apartment. 
In the criminal background check area there are XXXX charges that are NOT mine. 
Case Number : XXXX XXXX. 
Case Number : XXXX XXXX XXXX XXXX. 

I would like these XXXX charges taken off of my credit report asap as they are not mine. 
Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Grant & Weber
State: WA

Complaint narrative:
This debt is from a medical bill of my ex husband who died in XX/XX/XXXX. The debt occurred in mid XX/XX/XXXX and the XXXX keep updating the date on the debt even though it does n't belong to me and it has been over XXXX years.

Company response to consumer: Closed with explanation