vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-14 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Over one year ago I ordered a chair from a company in XXXX, Ky. In order to complete the order which would take six weeks to get the company rep. took my information and stated they had special deals with a particular credit card company. I obtained the account information with a few weeks ( listed below ). After seven weeks I had not received my custom chair as ordered. I contacted the chair company and was told it would be at least another six weeks, because they were so backordered. I asked the rep to cancel which she promptly and courteously agreed and I have no further correspondence. The chair company rep did give me the " credit card '' company 's toll free number in to cancel the card account since I did not need another card and was not going to get the merchandise I was going to get on the credit account. I contacted XXXX XXXX and asked them to close the card account, to which the agreed. I have never used this card account or received any merchandise or service charged to the this account. They continuously harass and send me threatening letter and phone calls. I get statements which I have disputed in writing but stye continue to send account statements show interest and late fees being billed to me on this account and the original amount of approx. {$300.00}. As i have stated to XXXX XXXX reps many times, I never received the merchandise that was first order that started the account and I have advised them of this several times.

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 2016-06-15 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
First off, I must say that I have great credit with a credit score around XXXX. I had a Macy 's credit card through American Express. I was set up to pay my bill automatically through my XXXX XXXX ebill system. Previously, whenever I made a purchase at Macy 's, I would get a subsequent ebill the following month automatically in my XXXX XXXX online account. I made XXXX purchases on my card earlier this year. For whatever reason, I did n't get notice of my outstanding balance through my bank ebill system ... therefore I forgot that I had anything due to pay. The charges were minimal - around {$200.00}. I recently went back to Macy 's to make a purchase but was declined. I called the number on the back of my card and I was told that i owed around {$500.00} for purchases, late fees and interest. I asked why was I not notified of these charges and I was told that I ( or someone claiming to be me ) had put a " cease and desist '' on my card which supposedly cuts off all communication to me about that particular credit card. So, my initial balance of around {$200.00} grew to around {$500.00} without notice. I do not feel that I am responsible for those charges since I was set up for using the ebill system and since I never received notice ( by phone/mail or email ) of any late or outstanding balance. I have never been late paying a bill. I want to know how someone was able to place this " cease and desist '' order on my account without me knowing about it. This seems like some sort of fraudulent activity. I would have never known about the missed payment had I not gone back to Macy 's to buy something else. This is a terrible business practice. I also think that my credit report needs amended and my late or missed payments should be removed. I attempted to reconcile this matter witch Macy 's and or American Express and I 'm not sure if that was accomplished. I spent multiple hours on the phone and nobody quite understood what I was talking about. I understand that I am responsible for my charges and I have no problem paying for those. I am concerned that since the system that I had in place to pay my bills did not work properly, any notification to me was cut off by the credit card company and I would be left with a balance that would keep growing to this day. That does n't make sense to me and needs to be fixed.

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 2016-06-16 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Macy 's is charging my credit card each month with a " {$2.00} Minimum Monthly Finance Charge '' even when there is no balance on the account. I am being charged each month when there is a XXXX balance.

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 2015-06-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have written to Citimortgage at least XXXX times pointing out that they are inaccurately reporting information on my credit report. They have not responded or made the necessary changes as required by FCRA. My last letters were dated XXXX XXXX, 2015 and XXXX XXXX, 2015 which are attached together with a copy of the credit report excerpt showing that they are reporting XXXX pays due and on XXXX reporting that the account is open with a XXXX balance but on XXXX and XXXX they are reporting the account as closed. According to my understanding of FCRA, all reportings must be 100 % accurate or they must be removed or repaired. I do n't understand how they can avoid compliance with the law. I need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I received several alerts from the XXXX different credit monitoring services that I use that both show a CITI CBNA credit card with a {$1800.00} limit was opened in my name on XXXX XXXX XXXX. I did not open an account with this company nor have I applied for a credit card. There is also a CBNA XXXX XXXX XXXX hard credit inquiry that was pulled on me on XXXX XXXX XXXX. I did not apply for any credit cards.

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 2016-09-17 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2016, I opened a new Citibank saving account in a branch with $ XXXX. Because, I was told that if I bring new money to Citibank, I 'll get some free bonus - {$400.00} - So, I get better returns that what I 'm getting in my other bank. I have contacted the bank in person ( the branch that the account was open ) and never available, online and phone - they are not able help. The bonus have not been deposited and per online and phone representative, the account was not setup for that. They are asking for a promotion code. I honestly did n't know about promotion code or something like that. I just opened an account to get the bonus. Citibank is not clear with the advertising, they do n't say ask for code and keep, and the teammebers are not being train to open this accounts. It 's clear that they made a mistake in the setup.

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 2015-12-12 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I recently applied for a citi credit card.My application was denied since the bank ( citi ) stated that my address or phone number are located overseas.I am not sure where or how they got this information, I 've been residing in the US for the last 25 years and am a US citizen.The denial letter was sent to my home address I listed in the application which is obviously in the US and I am including it below as well as my phone number. 
I contacted citi to inquire how they determined that my address and/or phone number are located overseas but there were not able to provide me an answer. 
Would appreciate if you could look into this matter. 
Application ID : XXXX XXXX MD XXXX Tel : ( XXXX ) XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-24 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
After lowering my credit limit which left me over the credit limit I called to close the account. Before closing the account I want to discuss lowering my rate? Was told to close the account XXXX and then I would be transferred to that department after being transferred I was told since the account was closed the rate could not be lowered?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
I have been receiving phone calls at my employer. Transworld systems are asking my employers my personal information for a defaulted XXXX loan. I verbally requested for them not to call my employer as I have updated my contact information. I also called my university, Michigan XXXX University to confirm that they are the debt collector, however the amount requested is not what TransWorld systems is requesting. My loan is for {$5100.00} with interest. Transworld systems is attempting to collect {$5500.00}. I 've spoken with XXXX, XXXX, and XXXX and was given the run around as well as being hanged up on when I requested for a payment plan. They said they do not take payment plans which I know is incorrect. I do not feel safe nor comfortable with this debt collector harrasing me at my job. I 've tried calling them several times to make payment arrangements and no one answers the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
On XXXX XXXX, XXXX I contacted Citibank XXXX to inquire about a closed credit card account I have been paying on. I have been on a special program under Citi since XXXX XXXX. At that time Citibank offered me a retiree on a fixed income ( which the bank has no respect towards ) a ludicrous settlement offer of paying {$170.00} a month. That was it! I started paying but later could not. Citi then offered me a plan ( which they could have at first ) of paying {$70.00} between XXXX XXXX to XXXX XXXX. In XXXX of XXXX another settlement arrangement was agreed where I had to pay {$70.00}. This still holds true today. 

In XXXX XXXX I requested an interest to settle the account, but was informed a settlement option was not available because the account is enrolled in a Balance in Full payment arrangement program. These programs are suppose to be offered at a discounted amount on the balance, but Citi has created their own policy and would rather dry your pocket of every cent.Fast forward to XXXX XXXX, XXXX inquiry about the account. I was informed that the account is 169 days past due. A closed account past due? The banking rep stated that the account though technically closed, really is no, t according to Citibank policy. No laughing matter but I see why Citi gets into trouble due to their malfeasant banking polices of " soaking '' as much money out of the consumer as they can!

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 2015-06-24 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CITIBANK, N.A.
State: NE

Complaint narrative:
I have entered into a Debt relief program and they instructed me not to make monthly payments. One Main Financial in XXXX XXXX, NE has called me at least XXXX a day at home for the last XXXX weeks and has now called me XXXX at work, I am sure those practices are not legal. I have told them last night to never call me at work again, so we will see. I have called XXXX XXXX XXXX and informed them of One Main calling me at work and they stated I needed to make a report through you and they were going to send them a letter to stop.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-25 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Called Citi Bank to complain about a mix up on a payment, and they then reduced our credit line. While we are no longer using the card, I still do n't want my credit to show I 'm at my limit, and I asked them why they did it. They said it was information from XXXX I checked my credit report from XXXX, and I found no negative information. I called them back, and they told me the same thing again. I ca n't fight with XXXX because there 's nothing to fight about, and I ca n't fight with Citi Bank because they wo n't tell me what the problem is. I ca n't win.

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 2015-12-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
I purchased a vehicle from XXXX XXXX XXXX on XXXX XXXX, 2015. My vehicle was financed with Santander consumer. Upon signing my contract an extended warranty was purchased for {$2000.00} dollars. Two days later I was rear ended. A total loss. On XXXX XXXX, 2015 I asked that the warranty be cancelled with XXXX. This company has given me the run around since signing the cancellation request form. On XXXX XXXX, 2015 I called Santander consumer to see if my warranty was cancelled so that my remaining balance of {$85.00} is paid in full. XXXX has paid thier half in the amount of {$11000.00}. Santander consumer stated I had to wait for XXXX to send them {$640.00} and for the dealership to send {$1300.00} in order for my refund to pay the remaining balance in full, and any money or monies would be refunded to me. First, off the dealership has no right to the extended warranty refund when it was purchased, and added to my contract. Second, why must I wait for Santander consumer to process my refund when my cancellation request form was signed on XXXX XXXX, 2015. This fraudulent business tactic is only making my CREDIT suffer. The credit I have tried so hard to achieve. There is no reason for Santander consumer to prolong the process when they have given me the deadline of XXXX XXXX, 2015 to have all monies paid in full. I would like to be treated fairly and have this matter resolved ASAP. There 's no reason for me to wait any longer, since I have waited long enough. I want my balance to be paid with the refund from my warranty in full on or before the deadline. And the rest refunded back to me. So that this fraudulent behavior does n't cost me my CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
On XXXX XXXX XXXX I purchased and XXXX Chevy impala from XXXX XXXX and my loan was purchased by Santander Consumer USA at XXXX a month which was paid every month on time until the loan was refinanced by XXXX XXXX XXXX XXXX On XXXX XXXX. On XXXX XXXX XXXX XXXX contacted Santander for the pay out of the car and they were told that it was XXXX this company accepted the check and the title was turned over to XXXX federal credit union on XXXX XXXX with the balance paid in full. So Santander only had this car loan for about 2 and a half months before it was refinanced. Now remind you that this car was paid out in XXXX XXXX in XXXX XXXX Santander started reporting to the credit bureaus as if they had the car and stating that I did not make my car payment. sating that the account was a charge off in the amount of XXXX and still reporting. I will be attaching you the proof of this pay out for the vehicle that was excepted by Santander Consumer USA. Please ask this company to furnish proof of accurate information pertaining to this loan. They report false information and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
Today I received an alert from my Credit Union stating that they had just paid a ACH Debit for Santander {$560.00}. I was outraged due to the fact that I did n't authorize Santander to debit my account for anything and also I no longer own the car that I had. The repossesed the vehicle in XXXX 2013. Shocked so I called up Santander and asked them why did they debit my account this money and they claimed they had no idea what I was speaking about and they have had no payment options for me set up. Well somebody within that company did something. I looked on the back of the check and it states " FOR DEPOSIT ONLY XXXX. Mind you Santander states that they did n't send out my account to any collection agency that they are handling everything on their own. Then how the hell did all of this happen what is going on

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Santander Consumer USA Holdings Inc.
State: IN

Complaint narrative:
Had an auto loan with Santander USA open in XXXX. Voluntarily surrendered in XXXX. 
Vehicle was sold on XXXX/XXXX/XXXX yet Santander USA has reported late payments from XXXX until XXXX. In XXXX they reported paid on time- which is the same time that Santander USA said they sold the debt. 
After they received possession of the car and they sold the vehicle, how can I be liable and charged for late payments?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: Synovus Bank
State: PA

Complaint narrative:
On Saturday the XXXX of XXXX, I applied for a secured credit Card from First Progress Bank in Georgia, and sent them XXXX deposit. Later, I found out, that this company had numerous complaints against them, and asked my bank, XXXX to start the process to get my money back. I tried to call or e-mail XXXX, but can not get through to them. I want my deposit back, I do NOT want to do business with XXXX. It 's a hardship on me at this time, as I have no money for XXXX presents. Please help me!! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: CO

Complaint narrative:
I have paid off this loan and the company keeps adding cost to this. after I paid it off I got a letter saying that I owed XXXX, I sent them the payment and today I got another letter saying that I owed an additional XXXX. When I called them they say that they did not receive anything. They have done this to me before by not posting payments and charging me late fees. I have called them and they have straitened it out before but are now not sending title without an additional fee being paid. I do n't know what else to do. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Santander consumer is over charging interest on there car loans, sending out payment statements of principal and interest charged and the adjusting interest charge and princial at a later date. This is manipulative and theft of payments made towards a car. I filed a written complaint in XXXX 2015, called the customer service line to discuss the situation and now they are saying the never recieved it after i filed a complaint with texas XXXX and texas attorney general in XXXX area.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: NV

Complaint narrative:
I have a vehicle that went into reposession with Santander in between XXXX. This account is listed as charged off. A balance of {$1.00} reflects every month as 90 days past due. I called Santander to ask them to change this account to a XXXX balance. They would not do so, nor allow me to pay a {$1.00} balance. Instead I was asked to call a separate phone # /department first. After calling the separate department that I was referred to, the representative informed me that I must pay additional fees ( between $ XXXX {$800.00} ) before they would consider removing or XXXX out the balance. I have never been notified of these outstanding fees and feel that I am now being held hostage by fees that I have never been advised of. I feel this creditor has an obligation to my credit profile to report fairly and accurately. I tried to satisfy the debt and am now being advised of new charges that I 've never been shown an accounting for.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
I am one month late on my car loan and the company is harassing my mother, father in a different state and even had the audacity to call a XXXX. This is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I had an Auto Loan through Sandtander Consumer USA, they stopped wanting to workout arrangement for payments during my time of financial difficulty. They repossessed my vehicle and sold it at a auction. I sent them on debt settlement offer on XXXX XXXX, 2016, to settle this debt and get it cleared to a {$0.00} balance. It is now XXXX XXXX, 2016, and I have not received a response of acceptance or counter to my offer.

Company response to consumer: Closed with explanation