vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-13 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Green Square Company LLC.
State: CA

Complaint narrative:
In XXXX I noticed on my credit report that I had a collections from XXXX XXXX loan. I contacted the debt collection person at the time and had to proven that this was not me nor my debt. The sent me a letter stating it was resolved and it was not my debt anymore. Today XXXX/XXXX/XXXX at XXXX I received a phone call from Premier Recovery Group regarding this debt. I told the agent that this debt was not mine and was identity theft. I could even fax over the letter from XXXX. She stated that she was going to put in notes but they were going to freeze my accounts. She refused to accept the fax.

Company response to consumer: Closed
Consumer complaint received 2015-03-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, National Association
State: FL

Complaint narrative:
We have NYCB Mortgage Company and every year they magically do not have proof of insurance - we live in a condo association which renews on time. In addition, they require a separate policy for us and even though we have prepaid the policy, they continue to collect an escrow payment for the policy and now when signing into our account, there is no way to actually pay our new mortgage payment - a payment which has been paid on time since inception. STAY AWAY FROM NYCB XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
On XX/XX/XXXX I opened a car loan with Santander and it became delinquent around XX/XX/XXXX ... I requested for it to be repossessed in XX/XX/XXXX. Now Santander Consumer Usa the loan servicer keeps changing the date of 1st delinquency on my credit report every year and adjusting the deletion date. It should have been deleted XX/XX/XXXX. Everytime I request the info from Santander and credit bureaus they say it can not be verified and Santander wont give me any verification of the loan. Today, reported the first day of delinquency is XX/XX/XXXX, which is inaccurate. I need this to be verified and deleted. I have requested several times for this to be verified and corrected but to no avail. Santander Consumer USA has committed fraud against me by changing the dates on the documents everytime I disputed it with the credit bureaus and the amount due.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
I have disputed with the credit bureaus and Santander several times because they are showing on my credit report as debt transferred or sold. I also received something in the mail stating that Santander no longer has the loan and I do n't understand how the credit bureaus and Santander are reporting and updating my credit report showing late payments when they no longer own the debt any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I qualify for the XXXX buyback. I 've gone about XXXX to XXXX time over the years to get the problem fixed. Most recently 2 weeks ago. So I asked how much I would get for my truck if they were to buy it bac they offered XXXX I owe about XXXX. My problem is I bought it new in 2013 I have n't used it recently becouse of the risk that 's involved but I do n't want to give it away to XXXX. My total cost with financing is XXXX I 've paid about XXXX I owe XXXX. I have about XXXX recalls on it do I qualify for the lemon law for the reason they do n't have part for it and have n't had any till present day. My vin number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: WINN LAW GROUP, APC
State: CA

Complaint narrative:
I am being sued by XXXX XXXX XXXX in the state of California. The debt I created with XXXX XXXX XXXX was created in the state of XXXX. I did not sign for the debt in the state of California. Why am I being sued in the state of California? 

Also, I received a letter from XXXX XXXX , Executive Office of Customer Advocacy for XXXX, dated XXXX XXXX, 2015. This letter was pertaining to an investigation that XXXX performed concerning my previous CFPB complaint. She stated that Winn Law group reported that there were XXXX repayment options offered to me which I declined. This was a false statement made by Winn Law Group. I was offered only XXXX payment option which was a 60 % reduction of the balance in a XXXX lump payment or XXXX monthly installments. I declined the offer because I thought the debt had passed the statue of limitations to be sued on in the state of California. So, I decided to make a complaint to the CFPB for relief of this debt. Additionally, the Winn Law Group stated to XXXX that I declined another offer of a two year repayment plan. The law group never made an offer of a two year repayment plan to me. This is false. When I spoke to XXXX XXXX, a lawyer at Winn Law Group, I told him that they never mentioned more than XXXX option of repayment to me ; however, if there is another option for me, I would prefer a 60 % reduction of the balance with a first payment of {$3100.00} and the remainder to be divided into XXXX monthly installments of {$260.00}. XXXX agreed that this was a doable arrangement ; however, I did not hear from him anymore on the matter. I faxed him a copy of XXXX XXXX ' letter for his records. 

I received a letter from Winn Law Group dated XXXX XXXX, 2015 stating that they have verified my debt with XXXX and it is their intention to continue with collection activity. I was instructed to consult an attorney if I have any questions about my liabilities. 

I have made XXXX attempts to make a financial arrangement to settle this debt ( my XXXX offer was a lump sum of {$3000.00} dollars ) and Winn Law Group does not appear to be willing to settle this debt in a civilized manner. I am trying to avoid payroll garnishments and unauthorized withdrawals from my bank account. As a consumer, what can I do to protect my assets when I have tried to make repayment arrangements?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I opened a checking account with Citibank on XX/XX/XXXX through a promotion which was supposed to pay me a {$400.00} bonus. I should have received the bonus on XX/XX/XXXX. I have yet to receive the bonus. I called Citibank customer service on XX/XX/XXXX to resolve the issue, and was told they were opening an internal investigation to resolve the issue within 10 days. I have not heard back from them since, nor have I received my {$400.00} 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 explanation
Consumer complaint received 2016-03-11 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I made a balance transfer of {$3000.00} from Citi card to XXXX on XXXX XXXX 2016. 
Today is XXXX XXXX 2016 and the {$3000.00} still show in both accounts.

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 2016-09-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: QUALITY ACCEPTANCE LLC
State: NV

Complaint narrative:
The enclosed document explains all, I am going after QUALITY ACCEPTANCE for extreme illegal behavior, embezzlement, unfair credit reporting, harassment, making false legal threats to intimadate, reporting false amount on credit report,, unfair business practice and then some, this letter enclosed will go lawyers, media, ATTORNEY GENERAL, and I hope they investigate person at QUALITY been handling this, they might be the thieves.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
Bloomingdale 's continues to charge $ XXXX/month as " minimum interest '' when I have no outstanding balance on my account. They even reduced my credit line for not paying this {$2.00} charge.

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 2016-07-05 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XXXX XXXX, 2015 I applied for a Citigold Checking account and entered in a promotional code for XXXX XXXX XXXX rewards miles. In order to receive those points I had to meet certain requirements after opening the account. I met those requirements, as Citi has acknowledged, but Citi has refused to award me the points I have earned. They claim that I was never targeted for the promotion. Our correspondence began on XXXX XXXX and to this day they continue to deny me. 

Via secure message on XXXX XXXX ( after multiple messages ), Citi stated, " After reviewing your account, I can confirm you entered a promotion code when you opened your account and have completed the requirements for that specific promotion ; however you were not targeted for the promotion in question. 

The terms and conditions are listed on the offer sent to those targeted clients in which it states : -Enrollment in this promotion does not guarantee eligibility -All accounts subject to approval and applicable terms and fees. 
-To qualify you must be targeted -This offer is only available to Citi credit card members who receive this communication. 
-To be eligible for this limited-time offer, you must not have had a consumer checking account with Citibank in the past. '' I replied that those were not the terms presented to me when I applied for the Account and the corresponding promotion. The terms presented to me, which I have photographic evidence of, stated, " This offer is available to Citi / AAdvantage credit cardmembers who receive this communication ''. 

Their reply, " Recently, you contacted us regarding your account and whether your account qualified for an AAdvantage Miles promotional offer. We appreciate your patience while waiting for our response. 

Unfortunately, there was not an AAdvantage Miles promotion offered in conjunction with the opening of your account. While Citi does offer AAdvantage miles promotions at times, those offers are only available to the individual to whom the offer was addressed. '' As shown, I met Citi 's requirements for the promotion by receiving the communication and I was eligible by receiving the communication in question. I was adhering to their own terms and conditions for the promotion. I do not appreciate their continued willful denial of these terms, and their refusal to award me the points I have earned, all while still charging me a fee for maintaining their Citigold 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 non-monetary relief
Consumer complaint received 2016-07-18 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: CITIBANK, N.A.

Complaint narrative:
On XXXX XXXX I made an on demand transfer from my PrePaid Citi US account to my XXXX Citibank currenty account for the amount of {$2500.00}. The money never reachd its destination. This transfer had been performed on many other occassions over the last 3 years with no problems, however this time the money is missing in cyberspace and I find the reaction of Citibank, or XXXX who appear to be doing the investigation as unsatisfactory. It has almost been 2 months that my money is missing, they have acknowledged that the transfer money was taken out of my account and say that this is being investigated but this is really not good enough as I am suffering as a result. This money should be returned to my account and they can deal with their administrative mistake afterwards. This has put me in a very tight financial situation and has left me without being able to pay my bills - I have since received charges from the bank from unpaid direct debits and have had to ask for an overdraft - this is very stressful and upsetting and through no fault of my own.

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 2015-12-15 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
i obtained an XXXX XXXX Citibank credit card XX/XX/2015. A small charge of about XXXX dollars went on the card in XX/XX/XXXX, I never received the XX/XX/XXXX statement so no payment was made. When the next statement came it had penalty and interest so i called to find out why and discovered the missing statement, I paid that day the total bill plus an extra {$200.00} so that there would be no more interest. On the next statement there is still an interest charge, called and company rep acknowledged the extra payment but said still assessed interest because they charge interest until the next statement even when there is a credit on the account. Refuse to do anything about the charge. I think this is an abusive practice. For a missed payment of about {$20.00} where I never got the statement I have already paid {$22.00} in fees and {$35.00} in interest, then on an over paid account more interest is charged.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Last fall I began working with CitiMortgage to modify my existing mortgage so that I could re-occupy my home. I surrendered the property to them XX/XX/XXXX when I moved to Arizona and knew I could not afford to keep the home at its current monthly payment of $ XXXX/mth. I had tried to sell the home before moving but did not have an offer. When I moved back to Massachusetts XX/XX/XXXX I rented an apartment that I could afford at $ XXXX/mth, and began trying to work with CitiMortgage again, since the home remained vacant. I sent a letter of hardship explaining that a divorce, my job as a XXXX, being a single mother, and an eventual bankruptcy caused financial hardship but that I wanted to keep the home if possible. After many months of providing paperwork, CitiMortgage offered me a modification that was higher than I had previously been paying, at $ XXXX/mth. They said the amount was more due to a lack of escrow, interest and owed payments. I told them I could n't accept the offer, since it was actually more than I had been paying before and this did not help my financial hardship in any way. I am still interested in keeping this home and it remains unoccupied.

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 2015-08-04 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I went into home Depot an aplied for a credit card an I was approved for XXXX {$.00} They asked if I would like to use it for my purchase which was some XXXX like XXXX $ I declined an said I would like to wait till I get my card so I paid with cash.well when I got my card 3 months later I went into store to use it an it was declined for a purchase of XXXX $ that turned into XXXX $ with late fees I told them it was a mistake I just got my card well they told me that I was just XXXX since I did n't keep my recite that was 3 months ago for a piece of XXXX an that has messed my credit up since then an they will do nothing to help over XXXX $ that I would have been taking care of if I knew about it what can I do

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-29 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
I opened a Citigold interest checking account on XXXX XXXX 2016 after getting an offer via email to receive XXXX AAdvantage miles after fulfilling certain terms. I also saw the same offer at the Citigold website at the time so I knew the offer was legit. I fulfilled all their terms by XXXX XXXX, 2016 and I inquired via secured message on when I can expect my reward to post. I got a reply from XXXX XXXX XXXX that I qualify for the promotional offer and have also fulfilled the terms and conditions and will just have to wait until XX/XX/XXXX for my rewards to post. I sent a follow up secure message on XX/XX/XXXX and received reply on XXXX XXXX from XXXX XXXX that I will not get my reward even if I fulfilled the requirements unless I can show proof that I was targeted to get the promotional offer. I called immediately, talked to representative XXXX, and told him about the message I got from XXXX XXXX that made me confident about getting my reward. I did n't bother to save the email offer because of the assurance I received from XXXX XXXX. I had the impression that she verified that I was indeed on their target list of clients since I have Citi credit cards. The message XXXX XXXX XXXX gave me was very disappointing to say the least. I do n't know if I can trust whatever the representatives tell me in matters like this.

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 2015-11-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX/XXXX/2014Honorable XXXX XXXX : Hello. I would like to speak with you about the Florida Hardest Hit program ( FHH ). 
Florida Hardest Hit program seemed at first to be for the benefit of those hardest hit by the mortgage crisis but, as I looked at the formula for qualification, I realized this was just another form of TARP. I filed for an appeal ; was referred up the chain of command till I came to the office of XXXX XXXX. I made several calls over several days, to XXXX office and I was disconnected ; put on hold for prolonged periods ; and told that I could not talk with her. I do not believe this to be the American way, and would like your help to ferret out the truth. 
" Truth will ultimately prevail where there are pains to bring it to light. '' -XXXX ( XXXX ) I have documentation to include email correspondence with the Florida Hardest Hit program to support, what I hope will be your attempt to verify this program. 
My hope is ; investigating the FHH program, will be good for you, me, and the Democratic Party.I have stopped by both your XXXX office and your XXXX XXXX offices to offer my support. Best of luck with your upcoming election. 
Sincerely, XXXX XXXX, XXXX XXXX : Hello. XXXX XXXX XXXX has referred me to you regarding my case. I have forwarded correspondence as background information for you. 
At this time I would like to register my feeling that without consideration of the individual 's down-payment, Florida 's Hardest Hit falls short of helping the people of Florida. 
Thank you for your time and consideration of my case. 
Sincerely, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XXXX XXXX, 2016 I request a XXXX balance transfer to my checking acct. After not having received the transfer a week later, I contacted Citi to find out that a check had been mail instead. I received the check XXXX XXXX, 2016 and deposited the into my B of A checking acct, it cleared the following day. On XXXX XXXX, 2016 Citi did a charge back on my account, took the XXXX back, which spiraled my bk account into a negative balance. 

After contacting customer service and the exec office of consumer complaints, I 've been told that a stop payment was placed on the check, but no one has answers as to why, and I 've been told that they will not have any answers until they review the customer service calls on XXXX XXXX, 2016. Meanwhile, my account is in a negative and B of A continues to charge nsf fees on unpaid negative balances.

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 2015-11-10 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I have been actively trying to rebuild my credit for the past 3 years and now my credit is shot. This is a CitiBank Credit Card via The Home Depot. I was making monthly payments of {$130.00} on a balance of {$10000.00}. On my XXXX/XXXX/2015 XXXX, {$6100.00} interest was suddenly added to my balance for a total of {$16000.00} and a minimum payment of {$700.00}. The added interest charge surge has put this account {$5400.00} over my credit limit and I can not possibly afford the new higher payment. As a result of the high over limit amount and late payment status, my credit score has dropped from XXXX to XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have been trying to to resolve XXXX credit card accounts by paying smallaount for each of them But Citibank has been sending their formattedletters without any specificity or without letting me know about myproposal. They say they responded before but their response isuseless. I hope this time they let me know if they will accept total {$1000.00} for settling both accounts.

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