vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-22 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I placed an online order on Home Depot.com for a washer and dryer using my Home Depot credit card ( issued by Citibank ). My account at the time had a {$0.00} balance with just under {$6900.00} limit. Once I placed the orders, i received emails advising that the charges were declined. When I contacted Citibank, they advised that the charges were approved. When I then contacted Home Depot, they advised that the charge was declined. Neither Home Depot or Citibank have been able to advise me why the charges were declined and as a consumer, I have a right to know why the decline

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 2016-06-02 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I received a promotional mailer in XXXX or XXXX of XXXX to open a CitiGold Checking account & receive XXXX XXXX XXXX miles. I opened this account & confirmed on XXXX XXXX, XXXX that I had completed the steps necessary to receive the bonus XXXX miles. I was told on XXXX XXXX, XXXX & XXXX XXXX, XXXX that I would receive the bonus miles no later than XXXX XXXX, XXXX by a customer service representative. On XXXX XXXX, XXXX -- upon inquiry as to why the bonus miles had not posted to my account -- a customer service representative told me that I was not eligible for the promotion as I was not " targeted '' for the promotion. I completely disagree as I received a mailer for this promotion. Sadly, I discarded the mailer sometime during the spring, but I think it 's egregious that Citi would require me to hold on to a promotional mailer XXXX months after its initial receipt. Additionally, Citi has charged me $ XXXX/month for an account service fee without notification regarding the failure to post my account opening bonus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-08 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XXXX XXXX, XXXX, I spoke with XXXX XXXX XXXX regarding my complaint. During our conversation, we discussed that I contacted us by telephone on XXXX XXXX, XXXX, to open a billing dispute claim for the transaction in the amount of {$41000.00} from XXXX training that posted on XXXX XXXX, XXXX. At that time, I informed us that I will not attended the XXXX and I want to cancelled the entire amount of the transaction on XXXX XXXX, XXXX. The Company said that, on XXXX XXXX, XXXX, they offered me a 10 % discount and as of today, I am still waiting for the refund and the additional refund for the XXXX over transactions XXXX for {$990.00} and {$1900.00} still not showing on my account yet a total refund of {$40000.00}. Every time I contact them they told me the refund was send and I just think they just liar to me and they will never refund me my money.

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 2016-08-22 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I received a letter stating that my account was being closed for no reason and I called in and I was not informed as to why my account was closed and restricted, I think it some type of bias treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
In 2009 my grandmother passed away, and I was given her car. I had purchased a car not too long before my grandmother had passed. I called the bank that I had a car loan with and explained my situation. I wanted to see what my options were. I asked them if it would be possible to return the car? I remember the person that I spoke with was really nice and he said that it would n't be a problem. I asked if anything would happen to my credit and he said, " No, since it would be a voluntary return of a car they would just resell it. '' I waited a little over a month before someone came an picked up the vehicle. I thought everything was ok and so I went on with my daily life. About a month later my car from my grandmother was running right and so I decided to sell it and use that money to purchase a new car. I wanted something reliable for myself and my daughter. At the dealership, they ran my credit. The loan agent said that I had a repossession on my credit and that I would have to put more down or have a really high interest rate ( 27 % ). I told him that something must have been wrong because I never had anything taken from me. He that the last car that I had was repossessed. I was getting frustrated because I did n't know at the time that voluntary repossession and a repossession is all the same thing. I explained to him what had happened. He said that we was n't surprised that this had happened to me. He has heard of banks doing this to several of people. I was young and very inexperience when it came to my credit and finances and just did n't know. I told the lender that I had a job and been working for several years. I could have kept the car and continued making my payments and had I known that my credit would be affected I would have kept the car or tried to sell it. The lender worked out a loan for me, but my interest rate was pretty high and almost 7 years later I am still dealing with this. My husband and I are trying to purchase a house give our children something we did n't have. This mistake has been haunting us for so long. The repossession is the first thing that pops up on my credit report and the banks do n't want to help us ... until now. We found a lender that is will to work with us if we are able to have this repossession move to the bottom of my credit report. I 'm praying for some grace! I 'm much older now and wiser. I 've been teaching my oldest daughter about credit and finances and how important it is to read and search on things before you sign anything. Do your research before you agree to anything. A very hard lesson I had to learn, but I learned it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Green Square Company LLC.
State: TX

Complaint narrative:
Getting robo calls from this company stating my file has been sent to a litigation specialist for final review and further recommendation since I have not responded to them. I have no idea who they are. Never received proper notification via normal FDCPA requirements. Does n't state name of the company or any other info except to call if I want to include a personal statement on this file before further action is made.

Company response to consumer: Closed
Consumer complaint received 2017-02-25 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:
Co-signed for someone on a vehicle that was repossessed without my knowledge. I was unaware the car was behind on payments prior to the repossession or I would have taken over the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I did not provide all of the information to purchase a vehicle and somehow acquired a loan with a dealership. I have been contacting the XXXX XXXX and asked them to provide me with the information they have that was used to get me a vehicle loan when I had already had a open vehicle loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
I hold a sub-prime auto loan with Santander Consumer USA ( SCUSA ) initiated in XXXX of 2015. On my statements each month, it shows the principal outstanding but it does not indicate the interest rate being applied against the principal nor the interest rate practices of SCUSA. ( Including the daily interest rate procedure or the calculation of the interest on each month 's statement. ) This information is also not available on their website, myaccount.santanderconsumerusa.com, nor their automated phone system XXXX. The interest charge applied against the principal and added to the loan amount each month is inconsistent with the interest rate indicated on the origination paperwork ( which was filed through a XXXX-party dealer, without representation from SCUSA ). I encourage the CFPB to adjure SCUSA to include interest rates on monthly statements or in the accounts of its borrowers online and to publish information about how it calculates interest charges. Interest rates are a vital component of determining whether I prepay the principal outstanding on the loan ( or address other loans with higher interest rates or more onerous interest charge calculations ) first. Not providing this information makes it significantly more difficult, if not impossible, for me to make a reasonable decision as a consumer of a financial product.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I opened a new checking account in the Bank of America in XXXX XXXX, XXXX XXXX XXXX, Virginia XXXX - because I liked the good offer it had itself it means {$100.00} as a gift If have at least XXXX direct deposits in the first 90 days. However before opened it I got information about it by phone and twice with the branch, all of them in the same branch, so after I opened my new account the banker explained to me the process about the direct deposit so I had to handled with my employer so I did. Few days later, I called the bank to ask when exactly I would received the gif? the banker told me : If my direct deposits are more than {$250.00} I will receive it after 90 days otherwise I do not received any gift. It was a new information nobody told me before I told the agent about that he said sorry, the manager of the branch apologized to me offering she can close my account If I want to but she will not give me the gift and finally customer service of the bank told me they ca n't do anything about it. PLEASE I need your help this bank mistreated me as a client, they did n't have any consideration with me after they behave was snaky with me ; it was very clear the banker just wanted trapping me as a client opening a new account hidden the true cheating me all time. Also I had to change my old direct deposit to this new one costed me time, money and explanations to the XXXX office of my job. I think is my right to demand the gift of {$100.00} from the bank as they offered me the first time, they must keep their words. I do n't deserve be treat with disrespectful. Thanks, XXXX 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 2015-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Green Square Company LLC.
State: MO

Complaint narrative:
I received daily calls to my cell and work number while I was in the hospital. When I returned the call, I first spoke to a representative who transferred me to a XXXX who was rude and hung up on me when I asked what this was in reference to. After being hung up on the first time I called back to speak to a supervisor who laughed at what happened after I explained to him and hung up as well. I called back the number XXXX and asked for a manager. After being put on hold numerous times, I had a lady who claims she was VP named XXXX XXXX who was being very rude with cutting me off and talking down to me ... they threatened legal action so therefore I called back and explain to mail me only any bills since in the past I have had my identity stolen and XXXX XXXX laughed again and hung up. These people are wasting my time harassing me without explanation or verifying HIPAA. My next step is to contact an attorney.

Company response to consumer: Closed
Consumer complaint received 2016-01-03 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Received a credit card statement which indicates an increase to the credit card balance due to applied interest, despite a timely payment made for the prior credit card statement. No charges have been made on the card, as the card has been closed for over a year. Additionally, a prior payment should result in a slight decrease to the remaining balance due. I have suspected for some time that this credit card company is engaging in fraudulent practices to prevent consumers from reducing and eventually paying off their credit card balance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Credit card with citibank was issued without my application. Kept card. Have had multiple issues with unauthorized transactions since getting the card. card replaced multiple times. Credit card with citibank has had multiple instances of fraud on the account. I can longer access the account online. An XXXX call center staff member, whom I was directed to contact, could not access my account. Almost all of the activity on the card is fraudulent and I want the account closed right away.

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 2016-04-14 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HOVG, LLC
State: FL

Complaint narrative:
XX/XX/XXXX XXXX received a fraudulent collection notice from the Bay Area Credit Service for the collection of a debt for medical service rendered at XXXX ( XXXX XXXX XXXX ) room. This service was not provided, the bill is not valid and because of the facts below it 's highly probable that an Unauthorized Disclosure of Personal Identifiable Information has occured. The details follow : On or about XXXX XXXX XXXX the receipt of multiple falsified medical bills were delivered to the residence and I took action to correct the error. The bills were from XXXX, Emerald Coast Pathology Associates and XXXX. I spoke to the XXXX office and the XXXX former accounts appear to be resolved. Due to the fact the personal identifiable information provided to the staff did not match the information for the person that received care. However, for the XXXX fraudulent charge. I was informed to speak directly to the billing agents. I called the same day and provided the details of the charge and I was informed by the agent that the bill would be placed on hold and a return call would occur detailing the results of the fraudulent charge investigation. The same bill continued to be delivered and subsequent calle were made to address the fraudulent charges. I was told by the agency the charges would be addressed but a notice of collection was still received for services that were not rendered and can be verified easily by comparing and contrasting in close detail the personal information on the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
My credit report is showing that a loan I had with CitiMortgage is " Acct in Dispute. '' This account is closed and has been paid off. it is not in dispute. This inaccurate reporting has halted my ability to compete a loan for a new home ...

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 2015-11-28 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I received bill from Bloomingdale and found out that I a have card with them. I never opened any accounts with Bloomingdale, never made any purchases and never received any products. The first and last name was spelled completely wrong on a statement. I called immediately and reported it, but I still getting bills from them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-12 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I went to the citibank branch at XXXX XXXX in, nyc to open a secured credit card.The manager processed the paper work and in informed me it takes three weeks to go through.I was told after that I would receive the card in the mail. 
Three weeks later i did not receive the card, I called the bank and was told my application was lost, Now this is showing up on my credit report as a hard inquiry .I declined doing any further business with them after they lost my application.I want this removed from my credit report. 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 explanation
Consumer complaint received 2016-05-11 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I open a citigold account with a bonus offer. 
And got a confirmation message that I have met all requirement and the bonus will show by XXXX/XXXX/2016 in XX/XX/2016. But in XX/XX/XXXX, Citi denied my bonus says I am not the targeted user.

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 2015-05-12 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Made a domestic wire transfer from Citibank to XXXX XXXX XXXX Bank on XXXX/XXXX/2014 ( Citibank reference number XXXX ). Shortly thereafter it was discovered that the beneficiary 's account no. was incorrect. Several requests were made via Citibank to XXXX XXXX to return the funds but to date XXXX XXXX has refused to return the funds despite Citibank 's repeated recall requests ( Citibank wire case XXXX ). To date ( XXXX months later ) funds have not been returned.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a Macy 's credit card, which I rarely use. As of XX/XX/2016, I had a {$0.00} balance and have not made any purchases on the card after that point. Earlier this week, I tried to make a purchase on my Macy 's credit card but was told by the store clerk that my card had been declined. When I got home, I logged onto my online Macy 's credit card account to figure out why my card had been declined. I discovered that Macy 's had been charging me a " {$2.00} minimum interest charge '' on a monthly basis since XX/XX/2016, and that, as a result, I had a {$6.00} past due balance. I ran some searches online and it appears that this has been happening to many other people who have a {$0.00} balance on ( and do not regularly use XXXX their Macy 's credit cards. I sent a message to customer service, since it 's almost impossible to get anyone on the phone. I asked customer service to ( XXXX ) explain the charge and ( XXXX ) remove the {$6.00} from my account. I have not yet heard back. I believe this is credit card fraud.

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 2015-10-21 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I had a citi card i never mis a payment. Until. XXXX. ot 2015. They close. My acount for return check. They keep electronic depicting. My bank account. even after i called and told then i had a family emergency.plus they never gave me a credit. Increase. Can you please look into this.thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XXXX, persons unknown to me used my personal information to get store credit cards and charge merchandise. I have been trying since then to get Macy 's Fraud Investigation department to complete the investigation. ( The six month delay in clearing my name is a separate issue ). In the meanwhile, they sold the debt to Citibank collections XXXX XXXX ) which robo-calls my cell phone at least five times a day. I have told the Fraud Department multiple times and they promise to stop the calls, but they continue. I have complained to the bill collectors and they say that they have n't been told to stop calling me by Macy 's.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief