vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-10 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
My Bank of America branch is XXXX mile from my home and it is the only branch in my local area with only XXXX atm machine in the local area. Lots of times the atm machine is non-operational which causes me to use other non-BOA atms. My BOA fees for using other atm machines were {$96.00} just last week not including the fees the other atm machines charge. I asked BOA from refund me the fees since their ATM machine was down and they would not. This happens very often!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Nelnet, Inc.
State: SC

Complaint narrative:
I was approved through a program called XXXX program that grant or dissolve student loan debt if you are XXXX. I was approved on XX/XX/2014. So, they sent a XXXX to file for the debt but I also file bankruptcy in the same month. Now since I disputed my concerns with Department of Education/Nelnet they are putting negative information on my credit report because I have received several credit alerts were they are saying I am 120 days late. They should been paid through the XXXX program but now they are sending negative remarks to my credit report. I would like to have this investigated and if they are wrong I would like to have all Nelnet accounts deleted from my credit report immediately. I received a total of XXXX credit alerts in 4 days about this company. They are trying to hurt my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: DC

Complaint narrative:
I have several issues with Navient, my private student loan servicer. For months following XXXX, I was only able to get part time work. Navient still wanted me to pay over {$200.00} a month. Now that I have a great job as XXXX, I still have a high debt to income ratio. I tried explaining this to Navient and gave them all of my financial information. They proceeded to yell at me/talk over me and insisted I made more than enough money. They threatened me with litigation, so I foolishly set up an automatic payment in the amount of {$200.00} for XXXX/XXXX/15. Unauthorized by me, they stole {$150.00} from my bank account on XXXX. I called and they said they would just take {$50.00} out on XXXX for a total of {$200.00}. They did take {$50.00}, but they also took another {$200.00} out on XXXX. So they never cancelled this as agreed. I call about this and they say they have no record of this and that it was cancelled. Do they not keep proper accounts? They then told me to upload bank statements to them. I did this-the statements are in pdf format so they should have had no problem viewing them. They told me the docs are blank and I need to try again. So I upload them again. I call and they tell me they are still blank. What is going on here?!? I feel completely scammed. When I asked them for the millionth time why they took {$150.00} out unauthorized to begin with, the rep just hung up on me. This is not okay. Something needs to be done about this fraudulent company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: NM

Complaint narrative:
I have just found out that the company that has my student loans is being sued by several states and your agency as well. My loans are held by Navient. I have the same complaint as others have voiced about not having been given any information about income based payments. Instead I have have been steered by Navient to delay payment with deferments which incurred huge amounts of interest. My loan now is over XXXX. Can I join in this lawsuit? What are my legal options?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This request for assistance from the CFPB and JP Morgan Chase is being submitted based upon the fact pattern presented, in pertinent part, below. 

In XX/XX/XXXX, I received a mail solicitation from JP Morgan Chase 's Slate branded credit card program ( hereinafter, " Slate '' ) to apply for their credit card. The solicitation offered several strong inducements to apply for the card, including the transfer of existing credit balances at other companies with a 0 % interest rate for 15 months. 

Upon receipt of my application in XXXX, XXXX ran my credit background and approved the card. On XX/XX/XXXX, XXXX provided an email notification that the " new card was on the way. '' Indeed, it was received shortly thereafter. XXXX also offered to increase the credit balance, based upon my good credit history. In reliance upon their offer, I transferred balances that I held at other companies to the card, which I understood included a percentage fee surcharge for the transfer. 

In XX/XX/XXXX, without provocation, I received a letter from the XXXX program that they would be cancelling the card in XX/XX/XXXX. No reason was provided, other than " reputational risk. '' Representatives from XXXX could give no further information, but did indicate that such letters are sometimes issued when there is rapid credit utilization on a card. 

However, XXXX of the prime reasons for obtaining the card was in fact *precisely* to utilize the credit in order to apply the favorable rate of financing advertised. It now seems that because I utilized this offer as advertised, the offer and the card are being cancelled. 

Curiously, I received another email ( dated XX/XX/XXXX ) indicating that my " ... enhanced Chase XXXX card is on the way ... '' The revocation of the card seems arbitrary, unwarranted, and creates hardships as a sizable balance must now be once again transferred -- likely back to the original institution. Moreover, the actions have the potential to create material harm in the form of " unnecessary '' transactions in my credit report ( performing the initial credit check, increasing the balance, and then cancelling the card within a short time frame, with no exhibition of inability to pay, or defaults of any kind ). 

XXXX 

I respectfully submit this request for review and assistance in investigating the matter further. 

Very Truly Yours

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I wanted to dispute charges on my debit card with Bank of America. I was told that the only way to do this is via telephone or by physically going to a banking center. As I am XXXX and do not use a XXXX, I am not receiving the same level of service ( or even close ) as I am denied the ability to dispute transactions without enduring XXXX. This is not the first time Bank of America has denied my reasonable accommodation requests. They still have not addressed my previous complaints.

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 2017-01-03 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
My friend sent me a payment of {$900.00} from his XXXX XXXX XXXX Acct. to my Citibank acct. The money was wired from his personal checking acct. to my custom credit line acct. by mistake. My friend sent another payment of {$900.00} to the same acct. before we realized it had gone to my custom credit line account. Citibank told me that no money had been received at all and that is why he resent money. I would rather it have gone to my checking account. Citibank did not notify me of this and took it upon themselves to send the XXXX payments of {$900.00} each back to XXXX XXXX XXXX. My friend did not get any of the XXXX payments back and filed a case against XXXX XXXX XXXX. They sent him a letter and refunded him XXXX payment of {$900.00} but not both. Each bank says the other bank is responsible and I 've been fighting with them both for over 6 months now.

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 2016-01-17 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citi Identity Monitor service was being discontinued on XXXX XXXX 2015 and that once the program was terminated, I was been charged a fee for a years.! and didnt aproved or sign on any agreemment.! Citibank charged my credit cards for long time and NOBODY want to be responsible for this bad ilegal practices..!. In addition, I didnt see Citi Identity Monitor working on my credit cards & gt ;?? please I need any professional help to address this issue with them..! I called 4 times and they dont care about that.! Thanks in advance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-11 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
We were debited earned cash back rewards from Citi Visa. The credits were earned with purchases on their card. We had a refund returned on the Citi Visa for a purchase that was made on XXXX XXXX. Both cards were issued through Costco. We received a {$12.00} reward from the XXXX purchase but deducted {$74.00} in cash back rewards from Citi on the refund. They should have only deducted {$12.00}. We made two calls to them to correct the error and they refused stating it was an automated process. It is our position that this was a fraudulent transaction on their part. We earned the cash back credits per the terms of their card agreement and Citi wrongfully deducted the earned cash of {$62.00}.

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 2016-02-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
I am late on my car payment, that is obvious, but the car company calls daily 6 times, sometimes I will speak with someone and literally 5 minutes later I will get another call from someone else within the same company will call and I will explain that I just spoke with someone, yet they will continue to ask the same questions again, it seems as if they are looking for my reasons to change? They have been verbally asked to stop calling so frequently Additionally I submitted a written request to them through their own internal contact process a copy of this message is attached ; however this has not deterred them at all. The company is Exeter Finance Corp.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
They are continuing to call and harass me even after I speak to a representative and either make arrangements with them or tell them of future arrangements. The reps are obviously not documenting the accounts properly because I continue to get phone calls almost every hour on the hour. From what I understand, once I speak to someone they are not supposed to continue calling.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In year XXXX/XXXX/XXXX Citi reports to XXXX a high balance of {$0.00} and a credit limit of {$4800.00}. 
but in XXXX/XXXX/XXXX Citi reports to XXXX a High Balance of {$4200.00} and a credit limit of {$4800.00}. Why? 
In XXXX/XXXX/XXXX Citi reports to XXXX a high {$0.00} and a Credit Limit of {$9900.00}. 
In XXXX/XXXX/XXXX Citi and XXXX do not report a High balance, but report a credit limit of {$9900.00}. Why did Citi not report a High Balance? Is n't my High balance the same as my credit limit? Why is Citi changing my original credit limit? 
In XXXX Citi reports to XXXX a high balance of {$8500.00} and a credit limit of {$11000.00}. 
In XXXX, the same as XXXX and in XXXX Citi reports to all three credit bureaus, XXXX the High balance of {$8500.00} and credit limit of {$11000.00}. 
I need your help to ask Citi bank why they changed the original high credit from {$0.00} to {$8500.00}? Ask Citi why they changed the Original credit limit from {$0.00} and {$4800.00} to {$9900.00} and {$11000.00}? 
Because In year XXXX another bank mirrored a {$7500.00} balance onto another card with a {$0.00} balance. This bank admitted it to me in my phone call to them in XXXX. I had filed a complaint with OCC at that time. I believe Citi is a continued of this, since I made balance transfers to Citi Citi bank had a responsibility to not continue a false balance that was mirrored. I believe that XXXX is helping me with this and XXXX that the truth in the explaination by Citi will be given, as the trail of this error could have stopped a long time ago.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 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 opened a Citigold checking account in-branch back in the spring and had a promotion where I would receive XXXX XXXX miles after completing certain spending criteria within 3 months. 

I met those criteria in time, secure messaged with citi customer service and was notified that I had satisfied the criteria for my promotion and would be receiving the miles within 90 days from then. 

The miles never arrived, and when I followed up with citi support via secure message, they said I was n't eligible for the offer. When the citi XXXX previously confirmed via SM that I would receive the miles, they did NOT mention anything about not being targeted for the promotion. The in-branch representative with whom I applied also assured me and was excited for me to receive the bonus. 

After numerous follow up secure messages and phone calls, after which Citi conducted " investigations '', they still concluded that they would not be giving me the bonus due to my not being targeted. A friend of mine signed up under the same promotion about the same time I did and received their bonus, despite not being " targeted '' either. So it appears Citi is inconsistently honoring their promise. 

I 've enjoyed using this account, but it 's frustrating that Citi wo n't take care of their customers. I feel tricked. I 've been paying $ XXXX for this account, the least they can do is honor the promotion I signed up for.

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: Credit card — 
Issue: Balance transfer fee — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
CitiBank does not state in their Terms and conditions or in account disclosure. that if i will use my credit card as XXXX XXXX transfer or any service like this, it is considered as a cash advance/Balance transfer. and they charged me interest + a XXXX 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 explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My checking and savings at XXXX XXXX XXXX were put on hold. I went to my bank to inquire why. They gave me a phone # ( XXXX ) XXXX. I was told I have an outstanding debt with Citibank that had been sold to XXXX XXXX XXXX XXXX in NY. I was told they were sending letters to a home I have n't lived at for well over a decade. I was told they had a legal right to seize my money. I was told the debt was from XX/XX/XXXX. The original debt was from XX/XX/XXXX. In XX/XX/XXXX I was repairing my credit score and settled this debt to the best of my recollection. I no longer have records this far back. I sent a letter to Citibank yesterday in an attempt to track the settlement. It is the beginning of the month. This is when most of my bills are due. I have checks out there. One is to a court for an unrelated incident. If that check bounces because of this I will probably have a bench warrant for my arrest. It is a violation and a {$25.00} check. It is very bad on so many levels. Untangling this mess is costing me money everyday I can not access my bank accounts and their former contents. In all likelihood this has set off a chain of events that could take years to untangle. I missed a potential job interview trying to resolve this. I just graduated with a XXXX degree and am trying to embark on a new career. I am getting married and they took the savings that I 've scraped together working XXXX jobs, XXXX days a week while I was taking XXXX XXXX. As I am typing this I am missing work. I work in the service industry. I do not get paid sick days or time off. It also just looks bad as I had to tell my employers why I am missing days. I might lose shifts permanently because I 'm missing shifts. I am waiting to hear back from XXXX XXXX XXXX. I left a message and the representative also told me she 'd be calling me back today. So far no call. I 've tried to make contact at her office repeatedly today. I may have to keep trying tomorrow. I 've spent the last few days researching what i can to and trying to contact anyone to help. It 's eating up my work and school time. Time is money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I do not receive statements from Citi. I found this out when I found out I was late on a payment last year and was charged a late fee. The associate I spoke to said that they would return the late fee and confirmed that I was signed up for paperless billing, to an email I no longer have access to. This person did not change it or give me any other options on how to avoid this situation in the future, as I told her I do not use this card often at all. 

I signed into my credit card account on this weekend to see how many Thank You points I had, so that I possibly could book a trip. I then find that the account is in late status for 2 months. This is out of nowhere! 

So I called to have this taken care of. The associate I spoke to this time said that he returned XXXX of the fees and that I would have to speak to customer service to get the other XXXX returned as well. So we set up the payment for the amount owed less the fees, about {$50.00}. I then call the customer service number that he gave me and I speak to an associate who says she is physically unable to return the fee under any circumstances because citi 's policy is to only return XXXX fee in a calendar year. 

Figuring this was impossible I decided to ask to speak with a manager. The manager I spoke to " XXXX '' gets on and echoes what the associate sai, actually more extreme. CITI RETURN FEES TO CUSTOMERS ONLY ONCE PERIOD. I explained to her my problem that I had not been getting my statements and that obviously if I had known or received a call or something, I would have paid it. I was {$50.00}!!!! 

She then explains that I can stop my paperless status to avoid this in the future, which I said should have been done the very FIRST time this happened to me! She agreed and remained firm. In the last attempt to get her to see it from my perspective, I explained that I was late on a {$50.00} charge, and that Citi is attempting to pocket OVER {$55.00} in fees alone for this payment. I explained that this was completely unfair. She then explains that this is part of my credit card agreement. 

I then asked her how I might close out my entire relationship with citi, since it callously treats its customers this way, to which she replied that she would be happy to help me with that. Why she had to be so rude is beyond me. This is ABSOLUTELY UNACCEPTABLE. I am absolutely disgusted with citi. I am ashamed to have my XXXX credit card accounts with them, totaling over XXXX in credit.

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

Complaint narrative:
Last year citibank offered a promotion for XXXX thank you points to open a citigold checking account. I understand it was a targeted offer and chatted with a representative before opening an account to verify that I was eligible. Upon verification, I opened up an account and received confirmation of the promo code via secure message ( attached ). When I completed the requirements for the promo bonus, I sent another message to confirm and was told to wait until 90 days after statement closed in XX/XX/XXXX. XX/XX/XXXX, i sent Citi another message inquiring about the status, since its been 90 days and no points were deposited into my account, and was informed that I was not eligible even though I had previous communication stating I was.

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 2016-02-10 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I had a XXXX procedure done so I could not pay my Macy 's bill on time. So I called Macy 's and set up weekly payments, Macy 's has been taking out {$60.00} out of my bank account for the past 3 weeks. Before I agreed to this they Promised me my credit wo n't go down. They lied! I just got an email saying my credit score went down XXXX POINTS because of this. I want my credit score back up or for Macy 's to wipe my Balance clean! I will contact a attorney if I have to I do n't appreciate Macy 's lying to me about my credit!

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