vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I recently just got my first auto loan from my lender Santander and when trying to make a payment I noticed that there is a convenience fee of XXXX using either my bank account or a credit/debit card. It seems the only way I can avoid such a fee is by mailing a payment in or setting up automatic bill pay which I am not able to do because of my payment schedule. I also live in the state of Florida in which I believe such fees are illegal as per statue XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Hosto & Buchan, PLLC
State: AZ

Complaint narrative:
Have been trying to obtain verification of debt documentation since XXXX 2014. XXXX XXXX XXXX has not provided anything, neither has their attorney. It has been 9 months and this account si damaging my credit. There is no one to talk to regarding this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Southern Credit Adjusters, Inc.
State: TX

Complaint narrative:
No chance to validate debt, verify the debt, I did not receive the notifications about the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
The issue is a former complaint about a credit card fraud control attempt to authorize a charge for my phone bill to XXXX and has become frozen and blocked to prevent fraud. i have received multiple attemps to collect my information without reason, after i felt I have identified myself and have continued paying the debt owed,XXXX now to XXXX USD to CITI simplicity credit card services. i have received XXXX. The card company and agents wo n't identify me and will not close the account so I can just pay the money back and refuse the invitation that got me this situation in the first place, a mailed invitation. I 've now lost or stolen the card from somewhere and the fraud service will not cancel the card until I am identified over the phone and using my social security card, license, utility bill and other forms of identity, like fraud. I have included documents. Letter from predsident a case number : from cc : Consumer Financial Protection Bureau 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 explanation
Consumer complaint received 2016-01-19 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Hi, I am an account holder of American Express Macy 's credit card ending XXXX. There were XXXX fraudulent transactions of {$200.00} each dated XX/XX/2015 totaling to amount {$620.00}. I closed my account instantly and AMEX sent me a new Credit card ending with XXXX. 
Due to automatic payment set up for my credit card, the payment of {$890.00} was made to AMEX as on XXXX/XXXX/2015 which was inclusive of the fraudulent charges. I have been following up with AMEX since last 3 months by phone and written communication to reverse the fraud charges but all they have been doing is to confuse me and pass around different supervisors and fraud team. I had sent the fraud claim form with scanned copy of my Driving license using priority shipping as a prerequisite and they do n't seem to acknowledge that they have received the form. 
They have also disabled the viewing of the online statement as the account was closed and after requesting them repeatedly to send me the latest statement they have just not done it and neither have they bothered to call me back ever when I was told atleast 5 times by the call center rep that a Supervisor will be calling me to discuss my case completely. 
I am completely helpless on the solution to my problem. I have bank statements and responses from the AMEX team proving my point.

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 2017-02-05 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank promised me a {$400.00} bonus if I opened a checking account with them, deposited {$15000.00} and maintained that balance for 30 days. They were to have deposited the bonus after 90 days and failed to do so. I called and complained, they acknowledged that I 'd met the necessary requirements and admitted that they were " aware of issues '' regarding the bonus payment generally. I still have n't received my 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 2015-12-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
CitiMortgage continues to access my checking account UNAUTHORIZED. 
My Mortgage is current and they have tried to collect 2 months of forward payments 3 times in the last 7 days. Each time, the account is put into overdraft and fees are charged by my bank. 
I have called CitiMortgage twice in the last XXXX hrs and asked them to remove all access to my checking account, they said it was completed and they continue to access my account without any approval or acceptance by me. 
CitiMortgage is out of control and can not manage an account that is current.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
About 5 -10 years ago a Sears sales person talked me into applying for a Sears Master Card. I received the card but NEVER used it. XXXX 2015 I received a statement owing {$35.00} " XX/XX/2015 XXXX card reload XXXX ". Knowing I NEVER used the card, never been in a XXXX, an do n't even drink coffee, I ignored the statement. 
In XX/XX/XXXX a statement came with penalty making the balance due of {$62.00}. 
On XX/XX/XXXX I replied with a note on the statement refuting the charges and asking Sears and Citi cards to correct their records. 
XX/XX/XXXX letter from Citi Cards threatens to " report information about your account to credit bureaus. '' On XX/XX/XXXX I received from Citi bank a new Sears card and blank checks which I have no intention of using. 
An internet search shows numerous examples of people with similar false charges regarding " XXXX card reload XXXX Wa " on various credit cards. It appears XXXX, Sears, nor Citibank are interested in stopping this scam. 
As a XXXX I do n't need the aggravation of trying to protect my credit rating through no fault of my own.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-29 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I received a Mortgage Loan Modification in 2011 via CITI MORTGAGE ( XXXX XXXX owns the paper ). This modification was grated to me via the HAMP/HARP program via the Federal Government. That funding was provided to these banks from the Federal Government to provide relief to me, due to the housing crisis collapse. They modified my loan. However, they built into the loan verbiage that shares if I failed to make a payment or late payment any forgiveness will be forfeited. See Paragraph ( XXXX ). Principal Reduction Alternative. I did not know this verbiage was " baked '' into this modification. I think that is BS and if XXXX XXXX or Citi Mortgage is going to KEEP the {$66000.00} of forgiveness, I want that money RETURNED TO THE FEDERAL GOVERNMENT!!!! This is just ANOTHER CLAUSE that set people up for failure, at a very tumultuous time, so these BANKS can SNAKE the fees on the back end that were clearly intended to HELP PEOPLE not them! That said, my Mortgage is up to date. This Modification is current. I received a letter stating that at the end of this loan, if paid within 30 years, will owe CITI MORTGAGE another {$98000.00}!!! That is only based on today 's rates! This means that the {$66000.00} of FORGIVENESS is growing with interest on the back end! Again, this makes this loan affordable and OUT OF REACH and completely defeats the purpose of the Federal Government Programs for this purpose and their intention to ASSIST THE CHEATED CONSUMERS!

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 2015-04-17 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
SEARS claims I have a balance with them and never paid them therefore sending me to a ( without notifying me nor by mail, phone call, or e-mail ) collection agency on the balance that was not accurately or at all mine

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-09 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Due to international travel, had been unable to make payment to Macy 's Credit Card. On finding out on return that it was past due, had called customer service to clear payment. But due to aggressive behavior from customer service representative and my own reaction to it, ended up asking the representative to clear account and close it. It was my impression that after this I was done with the account and dont have to worry about it. But it was suprising that Macy 's continued to send me statements and a balance due was showing up on credit reports that just kept going up. From past experience, had did not expect reasonable reply from Macy 's and hence disputed the charge with experian. Now the result from experian shows a 120 day payment due and no information was provided as to how the fatcts were verified. Having asked Macys to clear the account and close it, donot see any reason why I should be penalized for a mistake made by Macy 's ( represented by XXXX Bank as per dispute result ) who keep charging me long after account had been paid in full and closed. Dispute was submitted to XXXX and Report ID is XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-09 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My Home Depot/Citibank credit card recently warned me of " Interest on Promotional Purchases will be due shortly ''. However I never knowingly made any " deferred interest '' purchases and was NOT made aware of these purchases until now. I tried to resolve this with Citibank though they refused to acknowledge this deception. Please advise. Thanks!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX XXXX filed a docket on me at the XXXX Couty court house XXXX XXXX XXXX, on XX/XX/2015 Had my attroney call there attroney, wrong phone numbers on dockets. Look her up to find her phone number on her, My attroney talk to her she said her computer was down that day and would call him back, He called again and left messages several times to call him back. Still no response. I sent her a certifed letter for her to please contact my attorney & send all documents to verify the debt. I reported their attorney to the Fla Bar. I looked up this fake company on XXXX XXXX XXXX. The Company is not real. Have all documents

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 2016-02-05 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XXXX XXXX, XXXX, I purchased approximately {$100.00} of goods from Macy 's on my Macy 's credit card. I did not receive a bill, nor did I get a reminder e-mail about my amount due, and accordingly time passed and I eventually forgot all about it. I pride myself in paying all my bills on time, and was dismayed when, XX/XX/XXXX, I received a Macy 's bill in the mail for {$240.00}. There had been no notice on my credit reports that this bill was overdue, nor did I receive any other notification before the XXXX bill. I called Macy 's and spoke with an argumentative woman who insisted I had signed up for e-bills when I first opened the credit card, over three years ago. I told her I had received no bills, no notification of any kind, not even an e-mail, and she said it was my responsibility to check my Macy 's account to see what was due and pay it accordingly. I have never looked at my Macy 's account online, nor do I believe I have an account there. Regardless, they should have sent me an e-mail notification, or I should have received notification with my bill paying service, as I have from Macy 's in the past ; but I received neither. I asked to speak to a manager, who was even more argumentative. She agreed to take the current late fee of {$38.00} off, but no more. I told her that my account has always been in good standing, and that I originally had a Macy 's account XX/XX/XXXX and she laughed, probably because she had n't even been born then. I became very angry and told her I wanted to pay whatever I owed and close the account. She began arguing about all the reasons I should keep my card, and I told her, " I 'm done arguing with you. Please let me pay and close my account. '' She would not let me pay with the XXXX XXXX credit card I use for most purchases, saying I needed to provide a checking account number, which I reluctantly did. I ended up paying {$190.00}, and she finally closed the account. A few days ago, I received notification from XXXX XXXX that my credit score had been impacted by some activity. I learned that on XXXX/XXXX/XXXX, Macy 's had reported my account overdue by 60 days. My account was actually overdue by more than 120 days. They had every opportunity to file with the credit agencies when I was late after 30 days, but did not because ( I believe ) they knew I would find out then that my bill was overdue. I also wonder whether the reason they filed it now is in retaliation for how angry I was when talking with them. I know Macy 's is a large company, but this practice of not notifying card-holders when bills are due so Macy 's can increase their profits is abhorrent and needs to stop 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 monetary relief
Consumer complaint received 2016-04-20 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
My citibank Mastercard had a due date of XXXX XXXX, 2016. This is a Sunday. 
I paid my Mastercard bill, using my online banking, on Monday XXXX XXXX, 2016. 
Citibank charged me a {$27.00} late fee. 
I called and asked them to refund this fee and they refused. The reason they gave is that I had already received a refund of a late fee in calendar year 2016 and that their policy is to forgive only XXXX per year. 
I pointed out that my payment was not late, due to the impossibility of my paying it on Sunday 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 2015-10-06 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Home depo credit card, citi bank reported my account late to my credit report. I have my a payments set up on auto pay through my bank account, I had no knowledge that they had not received a payment until today. Today XXXX was the first call made to me by citi bank to advice account was past due. I immediately set up payment as I do not want my account in bad standing, nor would I have every allowed it to be late had I of known earlier this account was not being automatically paid. Citi bank XXXX home depo credit ) advised and confirmed that they had NOT reached out prior to today to get ahold of me to advise they did not received payment and now is 90 days late. You always received a call by any creditor to advise of this type of status before being reported to your credit so you can resolve it. I again, was NEVER advised until today after it was already report and that was confirmed by them. I also immediately paid once I got call, I believe that any type of negative reporting on my credit from Home depo/Citi bank is not accurate and was done wrongly

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-10 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
I signed up for a citigold checking account because of a promotion that they were running for XXXX XXXX XXXX miles. There was nothing that stated it was an invitation only offer and I fulfilled the obligations to the offer. They confirmed that I completed the requirements in XXXX. Now however they refuse to fulfill their obligations. They state that I was not targeted for the promotion.

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 2015-08-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: NETWORK CAPITAL FUNDING CORP
State: CA

Complaint narrative:
Hi, my name is XXXX XXXX and I would like to file a complaint on Capital Network Funding in XXXX, CA. About a week ago i had submitted documentation regarding to a mortgage refinancing with today 's low 30 years fixed interest rate thru this mortgage lender. First I was approved base on documents i had submitted to the lender which includes income from XXXX for XXXX, our XXXX month worth of paystubs from our employer prior to family leave, XXXX 's for XX/XX/XXXX and XX/XX/XXXX, and XXXX months worth of bank statements and I also signed the initial disclosures package from the lender. A day or XXXX days after i submitted these documents needed from the lender, I received a phone call and an email stating that my wife and I are not approved due to our supplement income from family leave and the mortgage company will not proceed unless my wife and I are fully back to work with verifiable income from our employer. The cause is for us to go back to work and cut our family leave time short in order to get an approval and proceed with the loan. 

Below is a copy of the email from the mortgage company statingDate : XX/XX/XXXX XXXX XXXX ( XXXX ) To : " XXXXXXXXXXXX ' '' & lt ; XXXXXXXXXXXX & XXXX ; Cc : XXXX XXXX XXXX XXXX ; XXXXXXXXXXXX & gt ; Subject : RE : Your Loan Proposal- Network CapitalXXXX. XXXX, I have your file ready to go to underwriting, but I need you to return to work ASAP to use your income to qualify for the loan. 

Please advise when this can occur so we can secure the rate lock. The rate will not be locked nor can I honor the exception until I have a WVOE or assurance that you have returned to work. 

Let me know when this can occur. 

Thank you. 


Sincerely, XXXX XXXXManager | Direct LendingPlease see below press release XX/XX/XXXX if I may fall into the same category and advise what I should do. 

HUD No. XXXX XXXX ( XXXX ) XXXX XXXX FOR RELEASETuesdayXXXX XX/XX/XXXXHUD SETTLES DISCRIMINATION CLAIM AGAINST CALIFORNIA MORTGAGE LENDER ALLEGING IT DENIED LOANS TO WOMEN ON MATERNITY LEAVEWASHINGTON - The U.S. Department of Housing and Urban Development ( HUD ) announced today that XXXX, CA based mortgage lender XXXX XXXX XXXX will pay {$48000.00} to settle allegations that it violated the Fair Housing Act when it denied or delayed mortgage loans to women because they were on XXXX. 


Sincerely, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Best Buy Card has not provided enough information about a debt I owe and says it will " charge off '' the account. I already closed this account with no other issues.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Unauthorized transactions/trans. issues — 
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
XXXX issued a {$50.00} " rebate card '' that showed an expiration date but did not state anywhere on the card that the balance was forfeited at that time. The call center manager XXXX agreed that this was deceptive and had me contact his supervisor, XXXX Agent ID XXXX, a member of corporate support team CITI prepaid. Their phone number is XXXX. The card number is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. This is a horrible practice and should have the same 5 yr ( at a minimum ) time limit that gift cards have as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I file a application for Citibank credit card. I was denied because they said I filed too many applications. The problem with that is I file XXXX applications with Citibank and was denied all 3 times. I feel that I am being discriminated againist because I am XXXX. Citi bank need to be investigated for there credit card practices approves others but denies XXXX. There practices are troubling to me because I am being denied because of the color of my skin. ca ; ; citi bank to complain and was still denied. They are not treating minority customers right and should be looked at.

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