vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-04 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 account XX/XX/2016 with a promotional offer of XXXX XXXX XXXX miles if I meet certain requirements. I met all requirements in XXXX 2016 and emailed Citi to confirm my eligibility and that I have met all requirements. A Citi representative replied to confirm everything and said I would receive XXXX miles in XXXX 2016. XX/XX/2016, I called Citi again to ask where the miles were. They opened an investigation to verify my eligibility and promised to have an answer in 5 business days. I made two additional calls to Citi after that in XXXX 2016 to follow up since I still have n't received the miles or a decision from Citi. I was told that they were still researching the issue and would let me know soon. During this time, I 've been charged $ XXXX monthly service fee already. I got so tired of this and I did n't know why they still needed to verify something that was already confirmed by them in the past. I do n't know much longer it would take, so I 'd much appreciate your assistance regarding this matter.

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 2015-11-26 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Macy 's is awful. Twice in having this card I 've had issues, because Macy 's communication is deliberately confusing or lacking. I have a Macy 's credit card ( # ending XXXX ). 

XX/XX/XXXX Purchase on card : {$8.00} ( a purchase that had a larger balance of {$30.00}, {$21.00} of which was paid with a gift card, with remainder {$8.00} put on the credit card ) XX/XX/XXXX Statement balance : {$8.00}, due by XX/XX/XXXX ( payment not made on time ) XX/XX/XXXX Statement balance : {$10.00}, due by XX/XX/XXXXXX/XX/XXXX Online payment made : {$10.00} ( WELL BEFORE due date of XX/XX/XXXX ), bank statement proves it. 
XX/XX/XXXX Statement : {$2.00}, due XX/XX/XXXX -- where did this come from? 

I called customer service ( no options to talk to a real representative ) and IVR System says the {$2.00} is interest charges .... How can this even be possible, when I 've already made payment in full of {$10.00} ( on XX/XX/XXXX ) after receiving XX/XX/XXXX statement? 

Until the XX/XX/XXXX statement, I was under the impression that I 've paid the Macy 's card in full. Had I not investigated this, and matched up payments and due dates, I would either have paid {$2.00} for no reason, or Macy 's would have charged me fees and interest on top of that, which is what they did last time with a similar ( though not exactly the same ) incident. 

There should not have been any balance. Yet, Macy 's puts an " interest '' fee of {$2.00} on a statement after something has been paid in full from their last statement. How can this be allowed? 

After calling the IVR system, Macy 's automatically removed the {$2.00} fee, without having to speak to a customer service agent. This tells me that this is an ongoing issue with Macy 's. 

I classify this as fraud, and a deceptive practice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-16 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I signed up for Citibank 's Citigold account via a promotional code ( XXXX ) in XXXX 2015. The promotion was to to earn XXXX XXXX XXXX AAdvantage miles. I met all the requirements months ago, and yet the miles still have not been deposited into my account. I spoke with and messaged Citibank multiple times over the course of the past few months. Each step along the way, Citibank assured me that the promotion code was good, that I was eligible, confirmed that I had met all the requirements, and that I had met all the requirements in the time required ( i.e. before any deadlines ). NOW, they are refusing to honor the promotion and will not give me the XXXX miles. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
i was scammed with a vehicle given fradulent XXXX that didnt belong to the car who was wrecked prior to my sale and repaired then was forced into this loan lost my job due to health issues and car was repossesed now they have offered me a settlement and i gave i but they refuse to update my credit file as its being reported unaccurately

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
Santander reported inaccurate information that are Still having damaging effects on me and my credit. My insurance paid for my auto loan and this information was n't reported to the credit bureaus until just recently after I submitted a dispute. They are also reporting inaccurate late payments and refusing to correct or delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 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:
A representative from Santandar left a voice message on my phone asking for a call back. The voicemail left detailed customer information. I called to ask that my number be removed from the account because I had no affiliation with the customer or the loan. The Santandar representative ( female /last name XXXX ) refused to do so. I 've never been affiliated with the loan or customers, and believed it was a reasonable request.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
My loan started off roughly at about {$17000.00} back in XXXX. It is now XXXX XXXX and at this point my pay off is roughly XXXX. I cant understand how I am only showing that about a XXXX dollars has been paid towards my car loan. The lender will not provide a payment book.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Green Square Company LLC.
State: TX

Complaint narrative:
I have people calling my job and making threats. I have asked for them to stop calling and they do n't.

Company response to consumer: Closed
Consumer complaint received 2016-02-21 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: MI

Complaint narrative:
I paid my lease off early through Chrysler Capital. They sent me a statement in the mail with any outstanding balances. The only thing that showed a balance was a negatively amount ( overpayment ) of sales and usage tax. At the bottom of the statement, it states that any negative amounts will be credited back to you. I called them and they refused to give me a refund, although the statement clearly states that. After several calls and speaking with management, I have not received a solution. I have been told that it is incorrect and a " computer-generated document. '' I do n't feel that should matter ; if you send me something stating that I overpaid, I expect a refund. Their customer service staff and managers are nothing but rude and combative.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: DC

Complaint narrative:
I sign up for this loan XXXX unaware of call loans and terms. This company completely took advantage of me, number the car was voluntarily given up although not noted on my credit report. In conjunction the amount is not correct at all as the car was almost paid off! This company is a complete rip off who takes advantage of customers with less than satisfactory credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: WA

Complaint narrative:
I had a vehicle loan through Santander Consumer USA, during the loan I had some problems making the payments due to my XXXX. Santander was never very good at working with me on the situation. Often times my whole payments of {$580.00} would go straight to interest, this happened months in a row. ( I found that mathematically impossible ) I really felt like Santander was ripping me off because of the situation I was in and my bad credit. On XXXX XXXX, 2015 they received a letter from me as a last resort, to work with me during this time. I requested that Santander respond via letter outlining any options they might have. I received no response from them, ( after the repossession they lied and said I did n't communicate with them ). Soon after they sent a recovery truck to repossess the vehicle at night ( I offered early on to surrender the vehicle if no agreement could be made ). They took the vehicle which had personal belongings of my wife and I in it. They also did n't inform us on how we might get them back, we never got them back. We also received no notice on when/where/or how much the vehicle was going to be sold.. They followed no WA repossession law that I can tell ... I have read that Santander has optional payment protection plans which would have helped me in this situation ... Which I was never offered in the first place ... I feel like Santander took advantage of me because I am injured and XXXX. They now claim I owe almost {$10000.00} for the balance they could n't get for the vehicle, they have assigned it to collections. I do n't believe I owe the money based on the fact that they did questionable things during my loan and ultimately broke the law in regards to the repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-17 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: LDF Holdings, LLC
State: KY

Complaint narrative:
Lender charged my debit card without my authorization. My bank is XXXX XXXX XXXX in KY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: CT

Complaint narrative:
I am currently in a loan with Santander Consumer USA. My loan interest rate is 19.75 % I have had the loan for over XXXX years the loan started out at {$14000.00} and since then it has only gone down to {$12000.00}. I have recently seen a news article about usury loans against Santander consumer. There was also a point in time where for XXXX months where they lowered my monthly payment and did n't tell me it would only go towards my interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: LDF Holdings, LLC
State: MN

Complaint narrative:
I received a credit to my bank account in the amount of {$350.00} for an on-line loan that I DID NOT apply for from Lendgreen. Then a debit went through the bank for {$150.00} for payment on the loan ( which I did n't apply for ) I contacted the bank and they instructed me to contact Lendgreen which I did. They verified with me that they did not have an account for me. ( thats why I called them ) They then verified with the bank that these transactions took place. They then informed me that they could not or would not do anything until I filed a fraud report with my local police department and fax or email them a copy. I filed the report and am awaiting a copy from the Sheriffs Dept.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: CO

Complaint narrative:
I have been getting phone calls on a daily basis from an automated system about my truck payment. I know that I am behind on my payment but the constant calling while I 'm at work and all day long is ridiculous

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-21 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:
In XXXX 2015 I contacted Santander Consumer to review my vehicle loan account and describe my temporary financial hardship. Santander told me that they would defer my XXXX and XXXX payments until the end of the loan, and that my next payment would be due on XXXX XXXX, 2015. However, this morning ( XXXX XXXX, 2015 ) they repossessed my vehicle without warning, leaving me unable to work to generate any income.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 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:
I am filing this complaint because the unlawful terms of this car loan with Santander consumer usa. I requested that this account be re-age and all fees and charges that were added to the account and the demand that I pay the amount of {$2400.00} be removed. Any fees and adjustments were never added to the principal balance and should have been due at the end of the loan. Secondly the interest rate that I was given did not place me in a position to pay off the loan sooner. I requested a reduced payment and interest rate but was denied. This car is upside down. It is only worth {$7000.00} for this vehicle, but I still owe approximately {$24000.00}. Please investigate this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
check system put an acct on their file that was taken care of in 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 2015-11-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Northland Group Inc
State: TX

Complaint narrative:
My name is XXXX XXXX. My account number with XXXX XXXX XXXX shows XXXX - I was told the actual account number is XXXX. 

XX/XX/XXXX, I spoke with " XXXX '' from Northland Group regarding my outstanding XXXX account. " XXXX '' told me that if I paid the debt, he would remove it from my reports with the XXXX credit agencies. 

I checked my credit report for the first time yesterday, after having a permanent freeze due to fraud. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MN XXXX, phone number ( XXXX ) XXXX shows up on my credit reports. 

I called XXXX XXXX Services regarding the paid debt and spoke with XXXX two times. XXXX referred me to XXXX XXXX XXXX. 

I called XXXX XXXX XXXX and spoke with " XXXX '', whom misrepresented himself two times. His real name is XXXX XXXX on XX/XX/XXXX. " XXXX '' told me he would email XXXX XXXX XXXX and request the phone recording from Northland Group, then promptly and rudely hung up on me. I called " XXXX '' back a second time and requested to speak with a supervisor. 

I spoke with XXXX XXXX, representing himself as a supervisor. He corrected me and told me I had spoken with XXXX XXXX and said " His name is not XXXX, it is XXXX. people get that confused all of the time. " No one attempted to correct the situation and all involved were extremely short and rude. The employees at all of the collection agencies involved in this case misrepresent themselves. 

I was promised that this would be removed from my file when I paid Northland Group XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-19 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Fidelity National Information Services, Inc. (FNIS)
State: MA

Complaint narrative:
HelloI have been turned down for XXXX business bank accounts. the banks have told me that it is because of negative info on chexsytems. So i went to the chexsystem website. ( no complaints or info can be had via the site or telephone. its said i had to request a copy of my report via Mail. so i submitted my info and personal address to this company. the site syas i will get a copy in the mail in 5 business days. so after 7 days still no report. i requested again. its been now 7 6 more days and till no report. i also called the phone number yet still no report. they have no way to reach a live person. Now I have not had a bank account since 2007 this was payed as agreed and closed. I cant open my business. I want all info removed and the delay of information fro them is inexcusable. I am hoping this organization can help me asap to clear my report that they state is only going 5 years back and i am past the point of being nice i should have had that report almost 2 weeks ago. the delay in banking has cost me over XXXX in lost earningsplease make them clear my name I have tried to upload a rejection letter from a bank but system wont allow I can forward via email if need be

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: PA

Complaint narrative:
All i want is my life back chexsystems saying i do n't owe anyone then why I 'm i not able to open an 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 explanation
Consumer complaint received 2015-09-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Financial Management Solutions, LLC
State: MD

Complaint narrative:
I 'm writing to request an investigation into XXXX XXXX XXXX and FMS Financial Solutions ' business and debt collection practices. I believe that their practices violate the Fair Credit Reporting Act found at 15 United States Code XXXX U.S.C. XXXX XX/XX/XXXX as well as the Consumer Credit Protection Act found at 15. U.S.C. XX/XX/XXXX XXXX Title VIII - Debt Collection Practices [ Fair Debt Collection Practices Act ]. XXXX XXXX has entered and received a judgment against me in order to garnish my wages at 25 % per instance with interest accruing daily on the outstanding balance. However, this comes after several phone calls and letters from my lawyers at XXXX, XXXX and XXXX to attempt to re-instate the pre-arranged payment plan of {$60.00} per month ; XXXX XXXX did not deign to reply to my lawyer 's correspondence or phone calls. XXXX XXXX 's office claims that I defaulted on my payment plan. However, this is not true. XXXX XXXX/FMS Financial Solutions had my information and permission to withdraw funds directly from my account on a monthly basis. However, they never withdrew funds from my account on a constant basis. On XX/XX/XXXX I get a letter in the mail from the XXXX XXXX 's XXXX Court that a judgment was entered against me due to my " defaulting '' on the agreed upon payment plan. I never received any phone calls, emails or mail from XXXX XXXX/FMS Financial Solutions stating that there was a problem with receiving payment. So, they basically waited 9 months to " inform '' me that I had " defaulted '' on my payment plan by using the court system.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: MD

Complaint narrative:
Chexsystem Consumer RelationsXXXX XXXX XXXX XXXX, MN XXXXInaccurate marks on my financial reports and failure to inproved the marks to obtain credit cards and bank accounts.Would like to know what laws can provide with me with failure to keep financial records accurate.Would like to request a Federal Bureau Of Investigations and XXXX XXXX XXXX Investigations on the ChexSystem Company.To resolve my burdens on financial living progress.And the damage they have caused.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Frontline Asset Strategies, LLC
State: VA

Complaint narrative:
I paid {$1500.00} but I only owed {$1300.00}. I called the original creditor to tell them that I overpaid ; they informed me that the debt had been sold and to contact Frontline Asset Strategies about a refund. I was given the name and number for XXXX XXXX XXXX XXXX XXXX XXXX XXXX. After numerous calls and messages, XXXX XXXX will not return my calls and this company is not doing anything to refund me my overpaid balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
I filed Chapter XXXX bankruptcy.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Frost-Arnett Company
State: TX

Complaint narrative:
On XXXX I received a phone call from XXXX. When I answered and said, " Hello '' they hung up on me. I called them back and the girl informed me they were Frost Arnett Collection Agency and wanted to collect a debt. I asked the girl if she would make a settlement, she said no, so I informed her I did not have the money to cover the complete amount. She tried to press me to give her my employment information. When I refused, she accused me of threatening her. ( Which I did not ) These calls were meant to harass, annoy, and upset me and violate my rights under the fair credit reporting act.

Company response to consumer: Closed with explanation