vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: ND

Complaint narrative:
I went to a car dealer to get a car and they got the financing through a bank. I made over 20+ payments on the car and the finance company said I still owe more than what the car cost, its as if no money was made towards the cost of the car. I ask for a copy of my contract and full a full disclosure and they did not respond to my request. They claim that I was late on my payments. About two weeks later my car was towed or should I say stolen by a debt collector and no one ask me or said anything to me. I went to the parking lot to use my car to pick up my son from school and it was not there. When I called Santander Consumer USA they told me a debt collector came and took my car. That 's how I found out what had happen to my car. I have a list of questions to be answered and documents to be sent to me. ( 1 ) Credit Application ( 2 ) All accounting for the transaction ( 3 ) Full Consummation ( 4 ) Was there a Credit Sale? ( 5 ) Was all disclosure given based on Truth in Lending? ( 6 ) Was there an advance given to the dealership? ( 7 ) What was it/how much was it? ( 8 ) Who is the Creditor? ( 9 ) Who is the Seller? ( 10 ) Who is the Purchaser? ( 11 ) Who extended credit for the transaction. Any document sent to me must be Loan Level documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: ID

Complaint narrative:
Our home mortgage is with Ocwen. They were supposed to set up an escrow account for our property tax and insurance. They did not do this. We have been paying our own home insurance from the beginning. Our insurance provider has tried multiple times to coordinate with them, but to no avail. For this reason, I have been paying just the mortgage amount, no escrow. They are now demanding the escrow account be paid up, even though when I call customer service, they tell me I do not have an escrow account. I do not want to send them any escrow money, since I am paying my insurance and taxes on my own. I am unable to obtain a satisfactory answer from their customer service department. All they do is assure me they have put my question into the " system '', but there is never any clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: KY

Complaint narrative:
My XX/XX/XXXX XXXX XXXX was repoed in late XX/XX/XXXX. I had heard nothing from the ender nor a collection agency until a few months ago, My uncle whom does not live with me received calls to his personal cell phone fro a collection agency about MY personal matter with this.I received nothing from the lender about when my vehicle was sold, if it sold, how much, how much a credit or I owed. contacted a attorney and he advised me by KY law the lender MUST submit within 10 days a statement of what the vehicle sold for etc on my account. I have received nothing, I told the debt collection agency I had received nothing he said he would request documents be mailed and that was 3 months ago and I have received nothing. I want this matter closed and documents have been sent to Santander advising court would get involved if it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-11 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I signed up for a CitiGold checking account with Citibank. I was induced to sign up by a promotional code that I received. The promotional code was for XXXX XXXX XXXX points. I completed all of the requirements for the promo. After completing the requirements, I called CitiBank XX/XX/2016 to verify that I met the requirements to receive the promo. The CitiBank representative informed me that I indeed met the requirements. Further, CitiBank sent me a secure email stating that I had met the requirements to receive the XXXX XXXX points. They also informed me that I would receive the points within 90 days. I waited over 90 days before contacting Citi again. During that time I was paying {$30.00} per month for my CitiGold Checking account. When I spoke with Citi after the 90 days they informed me that they would have to investigate if I qualified for the promo. I told the rep that I had an email from Citi from XX/XX/XXXX that said that I qualified for the promo. The rep told me that Citi would still need to investigate and that I would receive a secure email from them in 1 to 2 days. After 3 days I still had not received the secure email from Citi or the XXXX points. I called citi again and the rep that time told me that the investigation would take another 7 to 10 days. During the entire time of their investigation I will be paying {$30.00} per month for the CitiGold account. I would like to receive the promotional points that I was promised under the terms of the promo and by the email I received from CitiBank in 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 monetary relief
Consumer complaint received 2016-12-04 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I went to Best Buy to look at a new TV, and the salesman convinced me to sign up for the Best Buy Credit Card, which, if I bought a {$1200.00} TV, would be interest free for 24 months. I just found out that because I did n't pay the complete interest free balance before the 24 month date ( which why would I, it 's interest free! ) I got charged {$1000.00} in interest. Out of the blue. Put the card way over the limit, and embarrassed me IN THE BEST BUY where I was trying to purchase XXXX gifts. They are refusing to reverse the charges, saying the 'interest-free period ' was actually a 'deferred interest period '. None of which was explained in the store - had it been, I 'd of paid for the TV with cash or put it on another card. This is fraud, and it 's just plain wrong. Why offer this to consumers when it 's just a bait and switch? I feel betrayed and embarrassed. I never want to go back to Best Buy again.

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 2016-06-07 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I opened up a Citigold account in late XXXX 2015 when they were offering a promotion for XXXX thankyou points. The terms of the promotion were that in order to receive those points, I would have to open the XXXX account and make 2 consecutive bill payments within 60 days, which I did. I confirmed with XXXX their customer service representatives, on two separate occasions, that I was indeed eligible for the promotion, that the promotion had been applied to my account, and that I had met the requirements for the promotion. However, just a couple days ago, I received another message from a XXXX customer service representative saying that I was ineligible for the promotion and would not be receiving those XXXX thankyou points. The Citigold account has a monthly fee of {$30.00} that has been charged to my account. I have kept the account open only because I felt that the XXXX thankyou points would be worth the monthly fee. However, now Citibank has reneged on their part of our business relationship and instead has charged me monthly fees for which I am getting nothing.

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 2015-04-28 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: CITIBANK, N.A.
State: NE

Complaint narrative:
prepaid rebate card expired and Citi refuses to reissue card for the balance of the money on the card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
The ATMs at my local Citibank - XXXX XXXX XXXX, XXXX XXXX, NY XXXX never work. Everytime I go to deposit a check, I have to check at least XXXX atms. There were a few times when I had to go to the teller and they were not able to help me out because the systems were down. In addition, the hours of operation the surround branches is impractical, they all close at XXXX and I know many people are not able to make it to the bank at that time! I am afraid that one day when I am not able to deposit money into the account and I do not have enough balance I will be charged the unnecessary over-draft fees.

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: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I have a card for Best Buy Stores through CitiBank that I used to finance some appliances. I tried to use the auto-pay option and my billing setup keeps being disabled. As a result I have XXXX black marks on my credit report for a bill that I had the means and every intention to pay. The web interface is obtuse and their customer service refused to work worth me in anyway after I had brought my account current and re-configure auto bill pay. Personally I will be transferring my balance away from them ASAP and I will never do business with either Best Buy or CitiBank in anyway in the future.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-29 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I responded to an offer by Citibank to pay off my existing credit cards with a 0 % offer for 18 months. I responded and requested them to pay off XXXX credit cards with XXXX for a total of {$3800.00}. I submitted both requests in the mail. I was later informed that the offer expired sometime before they received my request or by the time they submitted it to XXXX. But they made the payments on my behalf however the interest rate would be 21.26 % instead of 0 %. I called and asked if the offer had expired then why transfer funds without giving me the option of accepting the 21.26 % or rejecting the transfer. There response was I should have submitted the transfer earlier. I did n't think that was a responsible way of dealing with credit and customers. Unfortunate for you Mr . Customer.

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 2015-07-02 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Best Buy has been charging me, monthly, for a service of which I never signed up. The service is something XXXX ( taken directly from my statement ). When I called in to inquire about this charge, of which has been charged to me for the last XXXX years, they told me it was for a " geek squad insurance plan '' for my iPhone. The problem here is that I would have never agreed to insurance from Best Buy for an iPhone, as I am covered, and have been covered, from XXXX for over XXXX years for all of my cell phones. I would never have agreed to having XXXX different insurance plans for a cell phone. When I asked Best Buy to refund my money, they refused. I requested proof that I authorized the monthly charge, and they were unable to provide that, either. This was a hidden and very deceptive charge, obviously, and Best Buy needs to be held accountable. I know I should have checked my statements previously for this charge, however, the monthly amount was so small and I am on an automatic payment plan ; therefore, I did n't notice until I was looking online to determine if I purchased a warranty for another purchase from Best Buy. Bottom line, Best Buy is trying to, essentially, steal money from consumers and I feel that the CFPB should investigate this practice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC
State: NJ

Complaint narrative:
I was solicited by NationStar Mortgage to possibly reduce my rate by refinancing my current mortgage with them. I responded to their offer and was contacted by XXXX XXXX from Nationstar Mortgage XXXX Greenlight Loans XXXX. A rate of 3.75 % and the fees of {$750.00} for the loan were quoted verbally. I agreed to the rate and the fees, answered personal questions and consented to having my credit rating verified. I started to assemble necessary documents and was then informed by XXXX XXXX that the fees were now {$950.00}. I have been subject to bait and switch tactics before and want to alert everyone to NationStar 's predatory practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Macy 's Department Store charges interest even when a purchase is paid in full. This has happened on XXXX occasions. Both times, when I 've called, they have removed the interest charge, but clearly this is an automated part of their process. The creditor is Department Stores National Bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-05 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA
State: MO

Complaint narrative:
Hello : I am a cosigner on XXXX of my daughter 's student loans serviced by AES. Over the past few months, I started receiving from AES a XXXX-page stack of documents each month in the mail that includes : Direct Debit Extraction Reminder ( do n't care ; it 's not coming out of my account ) Loan info. ( have access to it online at any time and do n't need or want to be notified unless there is a problem like a past due amount - which there never has been ) Over XXXX pages of boilerplate ( which I definitely do not need to see each month ) Three times, I faxed requests to AES asking that AES quit sending this to me and to only contact me if there is a problem ( see attached for communications with AES and proof that AES received the faxes ). They will not stop sending this junk and have never even acknowledged my faxes or concern, with the exception of a form letter that did not even address my concern ( also attached ). 

I do n't want my mailbox bombarded with junk I do n't need or want. I 'll also point out that the mail is inherently unsecure, and AES is negligently putting unnecessary information in the mail to me that would greatly help an identify thief if they got their hands on it ( which could happen anywhere along the mail chain ). AES is unnecessarily putting me at risk, and I do n't appreciate it. I want them to stop mailing this to me. 

Thanks for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I applied for a targeted offer for an Citi XXXX XXXX Platinum Select Master Card with a XXXX mile bonus offer after spending {$3000.00} in the first XXXX months and Citibank said I was ineligible to receive such an offer. There was no mention of this in the application, and a phone representative confirmed I was eligible for the bonus before I agreed to submit my application.

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 2015-05-07 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank has a XXXX day late payment that they are reporting to the credit agencies from 2013. I have been a customer for XXXX years and have never had a payment go out after XXXX days. It was sent and postmarked prior to the XXXX days that they reported.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Macy 's has charge me 8 month interest on a closed account that i request to be closed on XXXX XXXX 2011 because high interest rate it does n't state after you closed an account that Macy 's is still able to charger you interest it only state that Macy 's can collect the remain balance which i owe. The agreement that i sign was terminated upon my request if it is closed you are only to collect the the remain balance Macy 's agreement was terminated so were the late fee Macy 's has not sent me any type of information that state after account is closed Macy 's is able to charger you late fee. so i decide to file a complaint against Macy 's so please investigate this case Thank you Sincerely XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XX/XX/2016 I signed up for a promotional offer of a CitiGold Checking Account that would credit my account with XXXX ThankYou Points. I received the promotion in a letter with the offer code XXXX which was applied while opening the account over the phone with a Citi Representative. The representative confirmed for me that the promotion would apply to my account if the qualifications are met. 

I called Citi multiple times over the course of XX/XX/XXXX and XX/XX/XXXX to confirm that I met the qualifications for the account and that my account would be credited. I was told multiple times that I did in fact meet the qualifications and that my account would be credited within the next 2 months. Recently I had an investigation opened asking why the account was n't credited, and Citi responded by stating that the promotion was not on my account. 

I feel as if I have been lied to and cheated, this type of deception should not be tolerated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-22 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am still receiving harassing calls from CitiBank, even though I do NOT have one of their credit cards, and have NEVER had one of their credit cards. The calls began on XX/XX/2016. CitiBank received my original complaint about the calls from the CFPB, but for some reason, they keep calling me. Today, XX/XX/2016, was very difficult, as I was awakened by Citi Bank XXXX at XXXX XXXX. PST! They then called me AGAIN, at XXXX XXXX PST. 
I was worried an early morning phone call meant a medical emergency with my mom. 
The caller ID said " Citi Bank, '' and the phone number was XXXX, a South Carolina number. When I called the number back, a man answered, and it did not sound like an office. 
The other XXXX Citi Bank numbers on my caller ID, from XX/XX/2016, were " XXXX, '' and " XXXX. '' An XXXX with Citi Bank in XXXX XXXX, XXXX, keeps calling me also. She is very nice, and is trying to find out why these calls have been occurring, but I wish she would just contact the CFPB ( instead of contacting me directly ). 
I do not understand why I am being harassed when I do not even have an account with Citi Bank, and have never had an account with them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-28 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I signed up for a CitiGold Checking account which promised a reward for joining of XXXX XXXX XXXX Aadvantage Miles. I was told on XX/XX/2016 what requirements I needed to meet by XXXX XXXX. On XX/XX/2016 I was told I met those requirements and that the miles would be deposited on XX/XX/2016. I have yet to receive the miles I was promised for opening 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 monetary relief
Consumer complaint received 2016-06-17 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I was induced to open a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX AAdvantage points in exchange for opening a CitiGold account and scheduling two bill payments from the newly opened account.After enrolling with the promotion code, I contacted Citi and received confirmation that the offer was attached to my account. I confirmed with Citi that I fulfilled all terms of the offer and to expect my bonus on or before XXXX XXXX, 2016. 
On XXXX XXXX, 2016, I did not receive my bonus points as promised. 
On XXXX XXXX, 2016, I went on chat with XXXX and explained that I did not receive my points. XXXX informed me that my bonus was denied for the following reason : " There was not a AAdvantage Points promotion offered in conjunction with the opening of your account. '' Even though I have been assured by Citi that I met all requirements to receive my bonus, the bank is now refusing to honor their end of the agreement. 

Citi must credit my account immediately or additional steps will be taken to collect my promised bonus. I am extraordinarily unhappy and suspect that Citi routinely and systematically defrauds their customers. They have also charged me two months worth of service charge fees because I kept my account open due to Citi lying to me, so I believe I would receive the AAdvantage bonus points.

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