vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-13 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Financial Asset Management Systems Inc
State: CA

Complaint narrative:
I want Financial Asset Management Systems to stop calling me, to stop sending me letters, and to stop trying to communicate in any communication form with me. If I need to speak with Financial Asset Management Systems I will call them. If I need to make a payment I will call them to make a payment. Otherwise I do n't want Financial Asset Management Systems to contact me. XXXX has hired Financial Asset Management Systems to collect on a private student loan however Financial Asset Management Systems has repeatedly and flagrantly violated the Fair Debt Collections Practices Act with their illegal and deceptive practices. In addition, my student loan debt has more than tripled as a result of XXXX using debt collectors who flagrantly violated the Fair Debt Collections Practices Act. XXXX adds excessive interest and collection fees whenever they change debt collectors on a loan. As a result of XXXX illegal practices of adding illegally excessive fees and collection costs my loan has XXXX in balance from a start of {$24000.00} because XXXX has intentionally and flagrantly added illegal fees and collection costs to my account which has ballooned the balance to an unconscionable level.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-25 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have a a home depot card and received my bill and was shocked to see that there was a XXXX finance charge. Most cards I have with a promotional purchase there is advance warning that you must pay by a certain time to give the consumer a fair amount of time. Often it is highlighted in red so you can not miss it. Home depot does n't do any of these things. I feel as though they do not highlight the information because they want take advantage of their customers

Company public response: Company chooses not to provide a public response
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: DE

Complaint narrative:
On XXXX/XXXX/16 I opened a Citigold checking account with an associated offer promising XXXX points ( valued around {$500.00} ) after meeting the promotion terms. I met those criteria and confirmed on XXXX/XXXX/16 via chat with a Citi representative that I had met the criteria. The agent told me to expect the promotional XXXX points to be deposited into my account within 90 days of completing the requirements. After the 90 days had elapsed I contacted Citi to inquire about the promotional Thank You points which had not yet been deposited to my account. Citi responded by claiming there was no promotion associated with my account at the time it was opened. I have a copy of the promotional disclosure when the account was opened and saved the conversation with the Citi agent who confirmed the promotion was associated with my account and that I had completed the terms. It is my belief that Citi has engaged in deceptive marketing practices to lure customers to open the high price ( $ XXXX/month ) Citigold product. I do not believe Citi should be allowed to continue this behavior of attracting customers with promotions and after the customers have fulfilled their terms suddenly refuse to honor the promotion. I very much appreciate any effort to resolve this issue and prevent Citi from continuing this behavior. Thank you.

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 2016-08-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
This is the XXXX complaint I have filed on this matter, since nothing at all, was addressed with the XXXX complaint. CITI Financial is incorrectly stating that a borrower is past due. The account was brought current in XXXX 2016 with funds of {$1200.00}, and CITI acknowledged that this brought the account current and due for XXXX 2016 in their response to my previous complaint. The client has made every single payment since that date, with confirmation numbers and bank statements to prove it. Yet, the borrowers are receiving SEVERAL mailed documents stating that they are delinquent for {$930.00}! When the borrower or I try to call to discuss this, the representative will not discuss it, and will only send a complicated payment history ledger that is very hard to navigate through. This makes absolutely no sense whatsoever! They also state that the borrowers are delinquent {$170.00} for remaining past due insurance balance, yet the borrowers just received a check dated XXXX/XXXX/2016 for a refund of insurance. I am baffled at the poor customer service and incorrect servicing practices within CITI.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-22 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
Unknown/ unwanted inquiries not authorized to remain on credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I applied online for a credit limit increase on my Citicards credit card on XXXX/XXXX/15. 
Before I clicked the submit button, my screen said you must click the box to acknowledge that a credit report would be pulled. I agreed to this. 
On XXXX/XXXX/15, I got an email that my credit limit increase request was declined. I put a posting on XXXX for a reconsideration of my credit limit increase request. An hour or so later on XXXX/XXXX/15 a member of the social media team called me regarding my denial. The gentlemen from the social media department said that in order for him to escalate my denial to another level, my credit report would have to be pulled AGAIN. I said, let me make sure I am hearing this correctly, the computer pulled my credit report not 24 hours ago, you confirmed this, yet you have to pull another credit report, he said yes. This act of having to pull ( XXXX ) reports in ( 24 ) hours is damaging to consumers credit and is not necessary or in the best interest of the consumer banking in the USA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
has kept account in dispute for more than 14 months

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
WORST CUSTOMER EXPERIENCE. Citibank became to provider for my XXXX Credit Card. I have called their customer service 15 times today, XXXX/XXXX/16 and gone through an identification process only to have the call be disconnected and have the automated message say, " sorry, call again later. '' Citi is unable to provide the information I need regarding my credit card and personal finances -- I have billing and credit report questions.

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: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
Hello I opened a Citi gold checking account with XXXX thank you points promotion. 
After I met all requirement, I sent a message to the Citi bank to confirm the points. 
Citi bank told me that I have to wait 90 days to get points ( which the end day is XXXX XXXX ). I sent another message after 90 days which the checking opened. Then citi bank told me to wait another 30 days. After that, I sent message by XXXX XXXX and the Citi bank told me that I will receive the mail in 3 or 4 days. By XXXX XXXX, I do not receive any response from the Citi bank. 
As a 7 years customer, I really disappoint from Citi bank. 
By CFPB 's help, I hope I can get my XXXX points which the Citi bank already confirmed. 
Thanks for your help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-21 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 using promotion code : XXXX which promises the consumer XXXX XXXX XXXX AAdvantage miles after spending {$1000.00} on the debit card within 60 days of account opening. When I completed this I called Citi and was told that the miles should post to my account by XXXX. 

It is now late XXXX and I have not received the miles. Here are the steps I have taken to resolve the issue myself : 1 ) A few months ago I called Citi and was told the miles would post by XXXX 2 ) I used online chat support to ensure I met the terms of the offer 3 ) I called Citi in XXXX to see where the miles are. A CSR told me that they 'd get back to me with an update in two business days 4 ) I called Citi again after four business days and was told to wait another two business days 5 ) I called Citi again and was told to wait 60 days. 

I feel like Citi Bank has pulled a bait and switch on me - they offered one thing with a very specific time frame and have instead pulled the offer and made the time frame ambiguous. I feel cheated by the bank.

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 2015-03-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have my 30 year fixed mortgage at 5.5 % with Citibank. I have been a XXXX of theirs since 2008 and pay my mortgage on time every moth. Two years ago when mortgage rates dropped near 3 % I applied to refinance my mortgage and they said no. Why? Because my ratio did n't work for them. I had steady income, albeit not a great salary. I could have really used that break to help me put more away in my savings. I had quite a bit of savings and other assets. My friends whose salaries were very healthy took advantage of these great rates and they now they are sitting even prettier with lower interest rates and low mortgages but the folks who really needed the help were flat out denied. Citibank gave me a mortgage when I was unemployed in 2008!!!! My husband had just left with all of our savings and I was barely getting by on food stamps but Citibank wanted me as a customer and gave me a mortgage! I have never missed a payment. 

Shame on Citi. I would never recommend to anyone going with such a large institution with a very small heart.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I called Macys, last year on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, besides other times trying to dispute a Macy 's account which was opened in XXXX just before the hurricane in XXXX. Speaking with the customer service who kept this account valid fromXX/XX/XXXX through XX/XX/XXXX.Constant calling and speaking to several different people. I spoke to very upset when the account was transferred to Bloomingdales at one point. I am a Victim of ID Theft in XXXX, XXXX, XXXX which is when I filled a police report with account ending in XXXX. I sent so many inquiries to ask for them to update investigate and delete. Macy 's ignored my response and kept this account on my credit file. I asked them if I could apply for another credit card, because of my credit file with credit bureau 's was destroyed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Kross, Lieberman & Stone, Inc.
State: NC

Complaint narrative:
this acct is fraudulent and is a result from identity theft and the company is reporting this to the credit bureaus as well as has an open acct that needs to be closed with their company.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
When checking the alternatives for refinancing my home loan with Citimortgage, I discussed various loan options and was offered a XXXX at 2.875 % and a XXXX interest only loan option at 3.50 %. As I wanted to live a long time in the home, I chose the XXXX option at 3.5 % and was given no guidance or advice in the process. Only several years later did I discover the loan will revert to a 20 year amortization period, with much higher loan payments which I will not be able to afford. Had I realized this fact, I would have chosen the XXXX loan with lower payments after 5 years so I could afford to live in the home. I have asked Citimortgage to consider the facts and provide an alternative but they have refused to help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: RI

Complaint narrative:
Macy 's credit card always paid in full has a XXXX balance. I get an email for a purchase on XXXX XXXX 2016 for a purchase I made in XXXX NY. Knowing I have never been to XXXX I contact Macy 's, they close the account and open a new one and file an investigation. XXXX XXXX I get a call stating I am late in payment. Macy 's internally has taken past payments and fraudulent charges applied it to new card and then report to credit bureau that i am 30-60 days late in paying as they took my earlier payment from XXXX off of the original 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 2016-06-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: CO

Complaint narrative:
account information is incorrect ... they say i owe {$99.00} in interest and yet they are taking {$210.00} i feel they are loan sharks ... i 'm sure after again reviewing my payment history this has been going on since 2012 this only one of my complaints..i constantly get the run around..i have tried making extra payments..i finally got that resolved ( i think although i do n't trust them and there math ) they made me go though many hoops on this write check call ect. ect. ect. and in end applied to interest, they are intimidating dishonest they also have to many service fees loan sharks

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I got a Heloc loan for XXXX, ( which is a line of credit ) from Citi Bank. I 'm notsure anyone at the CFPB knows what a HELOC is or how one of these loans works, but the lender did a great job in turn time. easy process at the bank. the problem was all the forms the govt has dreamed up, that must be sent to the consumer and then read and signed. I did not understand any of these govt produced, attorney produced forms, and it would take three weeks to read them all. The mortgage process as defined today by the fedl government is broken and confuses me to death. Could you please abolish your existence and let smart people run this business? For god sakes, I do n't want any more forms created by you to safe guard me. I can handle myself. I don t need XXXX of you to look after me anymore and I don t know how we can pay all of you. good god man, think about it. Your killing us. PlEASE stop making rules for banks to comply with. Citi bank told me they now have hired XXXX compliance officer and attorneys to run their compliance department. to offset their costs they have raised my fees on checking and wire transfer and interest rates on car loans and consumer loans, to justify the cost increase. So little old me, gets to pay more money, for you to protect me! You are killing us out here! 

Please back off! 

XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I have been making automated payments for several years. I am being charged an APR of 29.99 %. On numerous occasions I have requested my APR to be lowered. On each and every occasion they have responded that nothing can be done because my account has been closed. This seems unfair as I now have a long string of timely payments and the APR should be reduced to reflect this fact.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Dear CFPB, I will continue to submit complaints until you hear my plea 's. You hear and do nothing and I wish you would take action. I continue to be bullied and overcharged for interest by a predatory financial center. Every time I email and request help, they extend the abuse, hopping I will quit complaining and raising my voice as an oppressed consumer. But I will not, I will scream at the top of my lungs to the the rulers of the jurisdiction under which they lay. 
You, Dear CFPB, must speak up as a voice of the people and answer the cries of those without a voice, you must give the key to those shackled by the tyrannical oppressors! It is you oh great CFPB that must answer the call and respond to the injustice laid before you here today!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
XX/XX/XXXX I received an auto loan through Santander Consumer USA. The amount financed was {$14000.00}. The terms are {$350.00} per month for 60 months at 17.15 % interest. This loan has been deferred several times moving my maturity date XX/XX/XXXX. As of today, my loan is current, but there is a discrepency in the total of my remaining payments and what the finance company states the balance is. They are stating that the balance is {$8100.00}. I have 14 months left on my loan at {$350.00}, which totals {$5000.00}, leaving a {$3000.00} discrepancy. I contacted them and spoke with XXXX. She was extremely rude, stating this is a simple interest loan. She stated she would email me the payment history and I would have to speak with an accountant, then simply hung up on me. I contacted a Loan officer at my bank today who reviewed the information, and also saw this discrepancy. She told me to contact The Bureau of Consumer Financial Protection and Better Business Bureau, and file complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: CT

Complaint narrative:
Santander Consumer USA is taking advantage of the XXXX. Santander is charging excessive interest and fees to their consumers. They also coerce their consumers into buying products that are not required. They would constantly call multiple times a day. If you do n't answer the phone for a period of time to " Keep In Contact '' they will do " research '' and find friends and relatives and call them to get you to call them back. The payments that you make barely touch the principle balance on your loan, especially if your late on your payment. When you make your payment they charge a processing fee which we were not informed of when signing the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Flagstar Bank, National Association
State: NY

Complaint narrative:
I would like some one to explain the XXXX fee banks charge if you use more than XXXX electronic transfers in a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
False Reporting Investigation Reinvestigation Provide all Documentation.

Company response to consumer: Closed with explanation