vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: RELIANCE FIRST CAPITAL LLC
State: ME

Complaint narrative:
We tried to refinance our home mortgage with First Reliance Capital. I do not have enough space to explain the entire process. The quick version is on XXXX XXXX, 2016 we applied for a refinance mortgage. We felt we were prey to a bait and switch. Our first loan explanation was for {$240000.00}, points were XXXX. When we received the second closing documents before closing the loan increased to {$240000.00} and the points increased to XXXX. 
We then went through a long series of promised to lower the points, Despite all the documents, we did not have the loan we initially agreed in writing. 
We finally sent a certified letter requesting to close our loan. They again continued to call, hound us, plead to keep going with the loan process. We finally insisted to close the loan on XXXX XXXX, 2016. After firmly telling the loan officer we wanted to close she agreed. 
The next day her supervisor calls, again using very high pressure tactics to keep with the process. I told her she could send the documents but I still feel I want to cancel the loan. I then talked to our financial adviser. He recommended not to continue. I then sent an email asked to close our loan. 
I also phoned my bank telling them not to give any information. Reliance had already called after I asked to stop the loan process. 
I then received another call from the vice president of First Reliance, asking I call, I did not call him. He did finally email me and said he will close my loan. 
This is a very condensed version. There are many more details that are very important and I was unable to fit them in this space. I do have a letter that outlines what happened in full detail I feel this on line company used deceptive tactics, they used high pressure techniques to have me continue with the loan process when I asked to close our account. They also were very pushing with the homeowners insurance and the title company. I had complaints from both that they demanded things they did not need and were very demanding.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: KS

Complaint narrative:
XXXX 2014, my spouse passed. He had a open auto loan with Chrysler Capital. Upon his passing, I submitted the payoff amount, his death certificate and other documentation for their records and requested any overpayment be refunded to me. The payment received exceeded the balance owed. A check was issued back to my husband in which I could not deposit or cash. I 've had constant contact with Chrysler Capital for a year with hopes they would refund me the overpayment. They will not comply. They told me they can only refund the money to my deceased spouse or I need to obtain an executor of estate order. I 've spoken with legal counsel and was told due to the amount, a non-judicial affidavit would suffice or take them to small claims court and sue them for more than they owe for the extra heartache they are causing. The amount owed is {$320.00} which is n't worth court cost and proceedings to become executor. I 'm a widow just seeking what is owed to me. I did not have to close the account, I could have allowed the car to be returned as a repossession. Chrysler Capital does not value their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-25 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I paid off this loan and it was overpaid by {$650.00} in XXXX. XXXX ( I think is Santander Bank ) said I would have the refund no later than XXXX XXXX. I called and they said they issued me a pre-paid debit card through XXXX, but I never received. I have called several times and have not been able to get my issue resolved or my funds released back to me. At one point they were telling me it was my responsibility to contact XXXX to get them to re-issue the debit card. When I called XXXX, it 's an automated voice response system that requires a XXXX digit account number. Because I never got the pre-paid card, I have no account number so XXXX could n't help me. I called XXXX back and asked for a manager and said if they did n't help me I would go to the CFPB and the agent said because I said that she had to hang up on me. I called back again and asked for a manager, who told me again I would have to go to XXXX. I told him that XXXX could n't help me and that I wanted to speak to someone above him. He then transferred me to the " office of the President '', where I left a message. Noone has contacted me back to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I did not receive my XXXX 2016 statement from Citibank. I was charged a late fee and interest by Citibank. I called Citibank to resolve this issue only to given a run around. I would like this matter to be resolved immediately. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-16 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I ordered a product online but when I received the package was empty so I contacted the merchant first, which told they would open an investigation and follow up with me but they never did. Then I contacted XXXX XXXX and sent them all my evidences, they gave me my money back. Unfortunately my Costco XXXX XXXX credicard was not longer valid, Costco and XXXX XXXX ended their business relationship and all accounts was transfers to City. City without my knowledge return the money to merchant and is charging me the amount. I called City customer service and explained the situation but they totally washed their hands.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-28 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have an account with Best Buy. I recently checked my statement on line and found a charge of about {$28.00} and some change for Debt Protection Service. Since I acquired the account I never authorized to have this service. I contacted Debt Pro company and they say it was activated in 2007 and I have been paying on it since. I called Best Buy, they could not give me a straight answer on how this was added without my authorization. I am looking at getting a credit towards my Best Buy account for the amount I have been paying for this unauthorized service since 2007.

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 2017-02-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My fiance and I are in the process of closing on a XXXX bedroom XXXX in XXXX, NY. After doing our research, we chose Citibank due to the closing cost assistance program they offer to first-time home buyers. Since starting the process in XXXX ( 6 months ago ) we have received very poor customer service. Our first representative ( we are currently working with a 3rd set of representatives ) would n't email us in a timely matter, sometimes going weeks at a time without a reply. Since we needed to submit an application to the XXXX board for approval, his delay caused us to miss our first XXXX deadline, potentially having us loose the bid on the property. Since XXXX, we have had multiple errors on our file including address, identifying information, misspelled names, etc. We are now having trouble receiving information regarding our mortgage lock, interest rates and a date to close.

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 2016-01-27 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
We were making regular payments to Citibank for a HELOC. 
Payments were automated using our bank 's online bill pay system. 
Payments were made every month, on time. 
However, Citibank changed the amount without informing us. 
Then they reported a late payment on the account which severely affected our credit. 
Be the time we were notified, Citibank already reported a late payment the the credit agencies. 
We immediately corrected the amount and brought the account up to date and then asked Citibank to remove the credit report since they did not notify us of the changes in time. 
They denied our request. Our credit score suffered because of this miscommunication.

Company public response: Company chooses not to provide a public response
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: QUALITY ACCEPTANCE LLC
State: TX

Complaint narrative:
I 've been making payments to this company for almost 2 years, and everytime I 'm a little late on my payments, the company would call my cell phone and my job to harass me. It never once failed for them to call my job and embarrass me. The bad part about is they would discuss my personal information with my coworker which is very unprofessional against the law. Most time they are really rude towards my coworkers and especially me. I failed to make payments toward my car because of my mothers health issue, so I have been struggling. I spoke to the representative there and explain everything to them what 's going on but they really do n't care. I also sent an email to them regarding my situation on XXXX XXXX, 2016, but I doubt they would read it. That same exact date, I encountered the true colors of the workers there. A representative name XXXX has been calling my job constantly and threatens me. She says you owe {$800.00} on the car how are you going to pay it? I told her I will find a way, but as of now I 'm at a dead end. She says excuse me, no you need to go borrow it and pay for it, you 're such a lack of responsibilities. Once you find the money call me back with the reference and slams the phone in my face. I have never experienced anything like that in my life. I have student loans and the representatives there never once speak to me like I 'm an animal. I 'm a human being also, and there 's no need for them to be disrespectful to me. I thought to myself how can I abide by the law, when they 're so cruel to me. I just want them to understand what I am going through and to stop harassing me at work, and especially telling my coworkers about my situation. If they constantly keep doing that I will have to take it further. So please help me on this. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Extremely poor advising service with regard to a mortgage modification process. Poor overall communication and support. Inundation with multiple duplicate forms.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-31 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
Credit card was issued with incorrect name, Citi refuses to correct. I received the new credit card in the mail. The name shown on the card is XXXX XXXX. This is not correct. My legal name is XXXX XXXX. I called the number on the card XXXX on XXXX XXXX, 2016. The first time the company disconnected the call. The second call had the same result-the company disconnected the call. On the third call I was able to talk to a person. The customer service rep stated they absolutely will not correct the name on account even though the wrong name makes the account invalid. ( They do have all my personal information and the did issue a card that was delivered to me via US mail )

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 2015-06-16 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Went to XXXX XXXX hospital for XXXX XXXX a few weeks later I got the bill in the mail but when I called their billing the repsenative advised me to ignore it that even if I did n't pay my bill they could not report to the credit beaure because they were privately owned. I just checked my credit today XXXX to find they sent my information to a collection agency which is against the law. I wish to have the report from XXXX XXXX to be removed from my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Citibank Customer Service informed me that according to their transactions records, they have NO record of any car rental fees from XX/XX/2016 - XX/XX/2016. This card has been closed out by Citibank. {$700.00} owed on the amount in for car rental yet, they have no record of any transaction from the time frame mentioned. Citibank should re adjust the amount they claim I owe on this card. Minus {$700.00} in rental fees they can not locate.

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 2016-01-11 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Macy 's department store double billed us for a {$180.00} mattress pad and refused to drop the erroneous charge until after XXXX or XXXX billing cycles has passed. We pay our credit card account balances in full. By Macy 's refusal to remove the erroneous charge, we fear being charged interest for an item that we did not receive. Macy 's credit was extremely difficult to work with as it took XXXX phone conversation attempts to speak to a knowledgeable person to help resolve the issue. At XXXX point, we were forced to go to the store location where the erroneous charge was made and call Macy 's Credit while in the store. The Macy 's associates that we spoke to were unprofessional, extremely rude, and more concerned regarding caller authentication in lieu of the issue. We requested that a formal claim be opened to address our issue. After much push back from the Macy 's call center associates, we were provided with the following case / claim number : XXXX. We have no confidence that this matter will be resolved in a timely and correct manner. I look forward to your assistance in resolving this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-12 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Citi failed to appropriately investigate a dispute for a jetstar charge that was also billed to my 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 2015-11-01 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
The citi dividend world mastercard had offerd a 5 % cash back on purchases made in XX/XX/XXXX, XXXX and XX/XX/XXXX, ending XXXX/XXXX/2015. 
I purchased XXXX airline ticket for {$910.00} on XXXX/XXXX/2015 and another XXXX on XXXX 2015 for {$1000.00}. Both payments were charged on citi dividend world mastercard and the tikets were issued exactly on the dates when the payments were made on citi dividendworld mastercard. 
Upon reviewing the monthly statement, I noticed that the citi dividend world mastercard did not honor their 5 % cash back reward offer. I contacted the the above-mentioned company immediately and received a response from the customer service team saying since the charges were posted after the XXXX/XXXX/2015 offer end date, they do not qualify for the reward. 
The airline tickets were purchased on XX/XX/XXXX and XXXX/XXXX/2015. 
CitiBank 's offer neither mentioned any posting dates nor I do have any knowledge of the airlines billing practices. I do n't believe it matters on my end either. 
I humbly request citibank to honor their offer and reimburse me 5 % cash back for the total of {$1900.00} which is {$98.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-27 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XXXX/XXXX/2016 I opened a new Citi AAdvantage card for a credit on an airline ticket purchase. I used the new card successfully to purchase my ticket. On XXXX/XXXX/2016 I received an email asking me to call Citi about potentially suspicious activity. I never received the actual credit card itself so this was concerning. When I Googled the phone numbers associated with the calls made on XXXX/XXXX/2016 between me and Citi there were numerous reports online about people having the same experience as I was. Specifically, opening a Citi AAdvantage card then having suspicious charges made in Michigan state showing up as fraud. Seems odd that these particular fraud events would be repeated in detail on more than XXXX persons account in the same way. Seems like maybe it 's an inside job.

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 2016-01-22 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I have a questions.Last year I received noticed about the {$700.00} XXXX in Consumer Relief for Illegal Credit Card Practices class action lawsuit that was filed again citibank. 

IN the letter I was told I was affected and that I did not have to do anything in order to receive compensation. 

SO far I have not received any compensation and was wondering if I need to actually file a complaint with a lawyer or not? 
I had owned there credit card protection service for many years and have paid thousands for the service. 

Can you please advise as to what I need to do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received a bill in XXXX with charges on my AMEX Macy 's card that were fraudulent. I checked to find that my card had been stolen. I immediately reported the stolen card to the number on the prior Macy 's bills. A new card was issued, and the charges in question were transferred over to my new card. We sent three copies of the first letter to the Department Stores National Bank describing the disputed charges. After a few weeks, we sent a triple set of second letters describing the same dispute, and again received nothing from the company. During that time, we continued to receive bills that showed increasing fees, penalties and late fees. We made XXXX minimum payments in good faith waiting for the company to address the issue. Several more weeks went by and we received nothing from the company. I finally got someone on the phone ( not easy to do ) who made notes on the account and sent us the appropriate papaerwork to file a formal dispute of the charges and instructed me to stop making payments to the company at tht time. We sent the ir form in, listing each charge that was in dispute, in XXXX XXXX, XXXX. To date, there has never been any response from them ; my bills, fees and penalties are mounting, and now I have lost XXXX credit card due to theor reporting of my account in arrears. Now my credit is being damaged because they refuse to acknowledge that I am in dispute of the charges made from a stolen card. I have dropped from " very good '' to " good '' according to my XXXX credit report.

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 2015-06-15 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Took out a loan with One Main Financial for {$5000.00} but it was reported to the credit bureau as almost {$10000.00}. It was the interest if the loan was paid back as scheduled but that interest is n't due except what is due at the payment due date. I have paid a lot of extra payments but the loan still is reported as if only a full balance of interest and principle is still due. In other words they are over reporting to the credit bureaus the amount of the loan and they are still only showing the payments I have made as principle and not lowered the amount because interest would be a lot less. I have made about {$2000.00} payments in less then 4 months so interest on the loan would be considerably less if they are allowed to report the future interest as balance due on the loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-04 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Trust Financial LLC
State: WY

Complaint narrative:
Rocky Mtn. recovery system has sued me for not responding to a workman 's comp related medical debt originating from XXXX XXXX XXXX due to XXXX examinations and follow ups. Plus, added an additional XXXX to the principal debt of XXXX. However, I 've been paying on the out pocket to a second debt referred by XXXX XXXX XXXX to XXXX for testing involving my workman 's case ( XXXX ). The XXXX debt 's principal is XXXX. I had talked to rocky Mtn. recovery once and told them I would pay the debt when I could, likely after I had got the other higher debt paid off. I believe this lawsuit is an attempt to secure unfair fees and additional values at will. In the judgement there 's additional leverage at a 10 % percent increase annually until paid with additional cost and attorney fees prejudged into. In addition, the judgement allows property, funds and wages by execution or garnishment. I am not sure this is even a real document? It is stamped with names and initalled but no signatures.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation