vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Grant & Weber
State: NV

Complaint narrative:
This collection company has re inserted a medical collection on my credit file to XXXX, This is unknown and this same company placed a previously medical that was my wife 's only which should have NEVER been placed on my credit file in the first place and had to fight it for months, which the bill was solely hers and she pasted away a while ago.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I requested a payoff only to find that it is {$16000.00} though the car sold for $ {$23000.00} and I put {$8000.00} cash and have payed XXXX payments at {$52000.00}. I wastold that XXXX held most of the {$8000.00} and because I make a great deal of payments early before my due date most of it goes toward interest opposed to the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: APPLE FINANCIAL HOLDINGS, INC.
State: NY

Complaint narrative:
I made a mobile deposit on XXXX XXXX to my XXXX bank account from my Apple Bank check XXXX. I have been to XXXX and they took the credit away from me because the check was never paid by Apple Bank. XXXX claims that XXXX bank has the original check and was cashed at an XXXX bank on XXXX XXXX, 2015. However, I do not own an account with XXXX nor do I know anyone who has XXXX. Someone stole this apple bank check from me. According to XXXX, Apple bank needs to file a forgery claim affidavit with XXXX in order to get my {$500.00} back from XXXX because XXXX does not have that check. On XXXX XXXX, Apple bank withdrew {$500.00} from my checking account to pay XXXX for the mobile deposit I made. On XXXX XXXX, 2015 Apple Bank withdrew an additional {$500.00} from my account to pay XXXX. However, two days later Apple Bank returned the additional {$500.00} withdrawal to XXXX due to a fraud claim. Then on XXXX XXXX, XXXX withdrew {$500.00} from the deposit I made on XXXX XXXX claiming that XXXX has the original check. So what happened to my deposit on XXXX XXXX to XXXX. I am missing {$500.00} dollars. I physically went to XXXX to try and solve this and they would n't speak to me because I am not a customer with them and they need to deal with Apple Bank directly. However, after numerous attempts of going to my local Apple Branch they have not done anything for me. They refuse to even speak to me at the XXXX XXXX Apple Bank XXXX. The manager at the XXXX XXXX Apple Bank, told me to file a police report, and also to write a letter explaining the situation. When I went with all the documents she required from me she refused to even look at it. Her name is XXXX XXXX. She is the Manager at the XXXX location. If this is who Apple Bank has in charge of that location. As soon as this is resolved I will be closing my accounts with Apple Bank. A bank where I have had my accounts for close to 20 years. She has not been professional at all. She tries to avoid at all costs and all she ends up doing is referring me back to XXXX or to XXXX, knowing I do not have an account with XXXX! All I want is help from Apple Bank. they should reach out to XXXX and retrieve that stolen check from me. This is my hard earned money being stolen from me, and the fact that my own bank wo n't even fight for their own check is sad. If this is how customer service is handled in Apple Bank, I will close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 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: MI

Complaint narrative:
XXXX ( name of company ) called with a partial robo, partial human call. Name and case number were robo. " Serious matter with you personal information ''. Need statement from me or my attorney. Number to call is XXXX. Or hit XXXX for a rep. I have had numerous similar calls. All the same type of XXXX. They go for a couple of weeks, then stop for months at a time. I know this is a scam. Alleged company is based out of California. Call at all hours. Getting really old. Thought this was done. First call in almost XXXX months.

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

Complaint narrative:
I have a vehicle that I am leasing through Chrysler Capital. I have had my car since XXXX 2013 and have been making automatic payments for 24 months without issue. On XXXX XXXX, as what happens on the XXXX of every month, my bank account was drafted by " Chrysler Capital Payment '' for my payment of {$370.00}. It then posted to my account on the XXXX. I travel for work so I have all of my reoccurring bills set up to auto draft. Since I saw it drafted I did n't think anything of it again. 
This past weekend I checked my XXXX XXXX and I had a statement from Chrysler. Imagine my shock when I opened it to find it was showing me past due and that I had not made a payment since XXXX. It was after hours and a weekend so I could not immediately call. 
Monday morning on my way to work I called customer service and spoke to a customer service representative. I explained the issue I was having. He said it 'showed the payment on my account but not sure why it did n't post '. He said he would send it to the accounting department to get it taken care of and would have my late fee removed. He said for me to fax a copy of my bank statement showing where the payment was drafted and to call back in two days to make sure everything was taken care of. 
I just called again now, and there is still no resolution. They show where I faxed in my bank statement ( a detailed statement of the draft is included as well since I work for the bank it was drafted from ) but nothing else has been done yet. The girl told me to call again tomorrow to check on the progress. 
Here is my issue : Chrysler is not doing the right thing for the customer. As a customer every time I called I am being told " I am 22 days late ( or XXXX as of today ) would I like to take care of it ''. In addition, I have been assessed a late fee that has not been removed either. This was NOT my mistake. My account was drafted by Chrysler as it always is. I ca n't help that after it was drafted the accounting department did not post it correctly. Working at a bank, if there is a bank error the first thing we do is to fix it for the customer. After we fix it we then try to figure out what was wrong or where the error occurred. The right thing to do would be to credit my account for the {$370.00} payment that was drafted from my account. ( Like my bank statement shows and the first representative could see ) Then you can research where the error was on Chrysler 's side. Because Chrysler is not doing the right thing I am incredibly stressed because it is showing I owe over XXXX and late 24 days. Not to mention if this is n't corrected soon they will report me late on my credit report and then my next payment is due on the XXXX. To top it all off - Chrysler wo n't call me back - they expect me to call back and follow up instead of Chrysler following up with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
I had a total loss of my XXXX GMC Terrain on XXXX XXXX, XXXX. I contacted Santander, my lien holder and advised. I was told that I will have to get payoff from bankruptcy court and I was told to have the insurance contact them. I was also told by XXXX with Santander bankruptcy department that any interest accrued after the loss would be taken care of. The insurance company contacted Santander and they gave a payoff of around XXXX. Once they received the XXXX from XXXX insurance they continued to add interest to the account. So when Gap insurance paid XXXX a balance of XXXX was on the account. The money paid on the account was based on the payoff amount provided by Santander. I received a call from Santander requesting payment XX/XX/XXXX. I questioned why was I not contacted before now. Also why would a totaled vehicle continue to accrue interest when company gives a payoff amount. Clearly with a balance over XXXX means the true payoff was not over XXXX as stated by Santander Representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
XXXX dollars XXXX in fraudulent charges were made using my non-chip credit card number despite the fact that the card was in my possession. I have spent hours on the phone with Citibank over the past several weeks reviewing these charges. My card was cancelled and a new card issued. Citibank does not dispute that they are fraudulent but they continue to show as charges I should pay on my statement. In addition my online statements show no activity on my new card at all so I can not see what I need to pay this month. They want me to manually calculate the charges I owe subtracting the fraudulent charges I 've reported multiple times already Citibank say that if I miscalculate I will owe interest on any underpayment.

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 2016-07-13 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I was provided a marketing brochure from Citibank stating that I can earn a {$400.00} cash bonus with a new account and qualifying deposit. It says open to see the details. On the inside of the brochure, if states you can earn a {$400.00} cash bonus if I open a consumer checking account by XXXX/XXXX/2016 and deposit {$15000.00} or more within 30 days of opening the account and maintain a minimum balance of {$15000.00} for another 30 days, I will collect the bonus of {$400.00}. 
I just went to the Citibank branch and they informed me that I have to leave my money in the account, not for 60 days, but for 90 days. That is not what the brochure stated. In my opinion, this is marketing deception and unlawful.

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 2017-02-26 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I opened Citi bank check in account with a promotional offer XXXX on XX/XX/XXXX and fulfill all terms and conditions, so that I should get {$400.00} promotional reward by XX/XX/XXXX. I made several contacts with Citi, but they said wait till this date. Today it is XXXX and this has not come. Citi should give penalty for this service. If there is a delay in payment to credit cards or cash advance, they put heavy penalty to me. I would like to have Citi give me penalty for their mistakes. I have almost followed more than 10 times with Citi

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 2016-10-12 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I made a {$57.00} purchase in XXXX 2016 with a Citibank credit card. The balance prior to this purchase had been XXXX for several months. I did not receive a statement reflecting this charge even though my address was correct on file with the company. I realized I had not received a statement and went online to pay the balance on XXXX/XXXX/2016. I requested the late fee be waived. I have good standing with all my credit. I was told to request it through the online email on the Citibank site which I did. When I did not receive an answer I spoke to a representative on XXXX/XXXX/2016. I was told it could not be waived. I requested the account be closed. I was told by the representative that no further fees or charges would be made to the account. Since that time an additional {$25.00} late fee and another {$37.00} late fee was made to the account. This brought the balance {$89.00} which included interest fees on a {$57.00} charge that was paid. It has taken several phone calls and requesting to speak with supervisors to get any resolution. I was told they would only waive the {$37.00} late fee the most recent if I would pay the balance by the end of this month. I have therefore paid {$50.00} plus interest of {$2.00} to get them to close the account permanent as original asked and told would happen. I am currently hoping that this has actually taken placed as promised. I am appalled that a credit card company can continue to make late charges on late charges when the purchase has been paid and account requested to be closed to prevent further late charges. I was told by the supervisor that the late fees would continue to accrue regardless of my complaint or request to close the account regardless of what the representative that closed the account said.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I had a Citi Double Cash Mastercard and I was a very good customer, always paying my bill in full and never carrying a balance. Citibank suddenly closed my account XX/XX/XXXX and I lost {$100.00} in cash back that I was entitled to as a result of purchasing and then paying off {$5300.00} worth of charges in XX/XX/XXXX and XX/XX/2016. The DoubleCash card offers 1 % cash back when you make a purchase, and an additional 1 % cash back when you pay off the balance charged. I complied with these terms but I could not redeem my cash back because my account is closed. I have called Citibank about this multiple times but they say the account is no longer active and that my rewards can not be accessed. I feel that this is a gross violation of the terms of this credit card. Citi has blatantly seized my rewards for no reason, and if they are allowed to do this to me, they can do it to anybody on an arbitrary basis.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-21 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
After going through my credit cards I could n't figure out why my Best Buy credit card balance was not going down even though I had been paying {$100.00} a month for over 3 years. I never paid close attention to the balance because I had continued to charge items as needed. I was notified that my promotional period was ending on my card and I would be charged an additional {$1000.00} if my promotional balance was n't paid. After deeper investigation of my bill I called a phone number where it listed I was paying a {$30.00} fee per month. The man on the other end explained that I have been paying for a debt protection service since 2011 that I never agreed to. NO WONDER MY BILL WAS N'T GOING DOWN! After reading online I realized that I was not the only one scammed by this and I need help in rectifying this issue and getting my money back. It turns out that many people have been scammed in this same way because the service is added on by a sales rep or in some back ended manner without approval from the card holder. I was never notified of the fees when I signed on and I pay my bill paperlessly. This is a true reflection of consumer gouging and taking advantage of people. It is a crime that I insist must be investigated and repaid.

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 2016-04-04 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
I have a Platinum Citi card, and I missed paymebts due to unemployment. I contacted Citi cards to bring the account current. I was informed the account was being handled by XXXX XXXX. I contacted XXXX XXXX to bring thr account current. During my first call, I was assigned a representative. The next day I called to provide banking information. I left a voicemail. Thirty minutes later someone else called me back and told me the representative was out sick. I was hesistant and opted to call back. Following, the manager called me back, the same day, and shared thr person was not sick but employed somewhere else. He shared he was the manager and would assist me. I provided him with banking information and permission to deduct XXXX from my account to bring the card current. It was deducted from my account and another representative called to collect payment. I shared that I brought the account current and my next payment was not due until XX/XX/XXXX. This was the predetermined day I shared with the XXXX and XXXX representative. He shared that I needed to pay them becuse I had not made a payment the first one. He shared, " I mean I see your big payment, but you need to pay again. '' I said, " It 's nor due. '' He said, " I 'll just keep calling until you pay again. Why wo n't you pay? You were five months behind before your big payment. '' I told him I discussed it wit the manager and XXXX representstive. I told him he was rude, and he said " well. '' I shared I would call back on XX/XX/XXXX and predetermined. He shared again that they would continue to call until then. I contacted Citi Cards to make a complaint. They informed me that a payment was not due for three weeks. The XXXX XXXX representative is 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 2016-06-01 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XX/XX/XXXX, I made a computer purchase but never received the items from Macy 's. I used my Macy 's American Express Card to make the purchases. I informed the company by phone and was told they would look into the issue. I never received any mail correspondence ; and thought the matter closed. Starting the XX/XX/XXXX, I started receiving calls from Macy 's collection department demanding payment. After speaking to several representatives in the credit and collection departments, I was told several times the matter had been resolved. I even spoke to representatives at XXXX XXXX. I tried numerous times to resolve the issue. I later found out that I must have requested only online correspondence ; thus the reason I had not received any mailed correspondence. I corrected that after speaking to another Macy 's supervisor credit department representative who told me the items had been returned back to Macy 's and that I owed nothing. Again, told by this department supervisor that my account would be resolved. However, even after that call with a Macy 's department supervisor in credit department, the calls from Macy 's collection department continues. I went on line and copy a letter ( see attachment ) from XXXX XXXX XXXX which states that I owed nothing and my account had been credited for the amount of the items I purchased back in XX/XX/XXXX ; the date of the credit was XXXX/XXXX/XXXX. I was instructed by a Macy 's credit department supervisor on how to access this letter. Supervisors I 've spoken to include : XXXX XXXX and XXXX ( XXXX number XXXX ) XXXX continue to get calls from Macy 's collection department which I now ignore ; the same number phone number is used. In addition, I changed my request for information regarding my account and now have my information mailed to me. In XXXX XXXX, I receive a copy of a bill which states I owe {$150.00} which includes the original amount of {$110.00}, fees ( {$37.00} ) and interest ( {$2.00} ). ( see attachment ) I am exhausted with talking to one department and being told that the matter is no longer an issue and the non-relenting collections department who is bent on getting money from me that I do n't owe. I 'm soliciting this agency 's help in stopping the harassment and eventual detriment Macy 's collection department will assess to my credit record.

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 2016-02-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
I have asked for months and months to have the statement " Account in dispute '' removed from my credit bereau reports. My account is not in dispute and this statement is preventing me from moving forward with other aspects of my life! Years ago there was an error with my SSN, so I sent them a copy of my social security card and ID so that they could update their system. This should not have caused them to still have this statement on my report as it had NOTHING to do with my ability to pay my loan! No one speaks english and no one undersands what I need. I have received letters and emails of proof that my account is current ... .THAT IS NOT THE ISSUE!!! I need them to remove that statement IMMEDIATELY. It has been years and that is unfair to me whenI am not disputing anything. They need to report appro [ riately. Thank you for any help on this!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
calls me four of five times daily threatened to turn my case over to XXXX County if I do n't call them back by the end of the day. A XXXX XXXX called my children with the same threats to get them to pay to keep me from going to trial. A XXXX XXXX called me three times with 1 minutes I guess to see how many calls she can make repeatedly. They claim they are calling from Pre-Trial. Then there is another caller that do not give a name that calls three or four times with a recording that advise if you are not the person press 1, that did not stoop the calls then I pressed 0 to get the operator but no one came on the line. nothing that I press stops these calls. Nothing stops these calls from these people.

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