vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-11 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I contacted Best Buy Credits Services in XXXX XX/XX/XXXX to advise of unexpected medical bills, which was putting me in a position where I was not going to be able to pay off a promotional balance on my account that was due to expire on XXXX XXXX, XX/XX/XXXX. Supposedly the process was started on my request but was never completed, so they " started it over again '' when I called in XXXX XX/XX/XXXX I continually kept following up on the status and could not get a definitive answer. Calls were placed on XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. All I was asking for was an additional 60 days to pay off the balance with out incurring the deferred interest amount of {$1000.00}. I kept getting told over and over that I would see it on my next statement, needless to say this has never happened and I was hit with the deferred interest on my statement that closed out as of XXXX. I received a voice mail and email today from XXXX XXXX Best Buy Credit Services Account Manager and tried repeatedly to return the call and got voice mail and left message and also returned a response to the email requesting that I be called. So, I called the number on my statement and got to a different Account Manager and got so perturbed I ended the call.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-15 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: BC SERVICES, INC.
State: CO

Complaint narrative:
I have pulled my credit report from multiple sources at several different intervals. I have seen accounts from the debt collector BC Services, and attempted to reach them in regard to settling the debts. I informed the collector that my interest in contacting them was to clear all accounts off my credit report ; I then asked the representative how many accounts total they had reporting to my credit. The rep I was speaking to ( whose name I did n't catch ) informed that they have XXXX accounts total on my credit and all are being reported on my credit. Upon calling back at a later point I was advised that there are only XXXX of the XXXX accounts actually being reported. This is a blatant violation of the Fair Debt Collection Practice Act, by the representative knowing that my attempts were to clear my credit report and then advising that an account not on my credit report is being reported.

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 2015-12-24 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
TODAY XX/XX/XXXX CITI CARD PUT MY CARD ON FRAUD ONCE AGAIN. IT HAPPENS EVERY HOLIDAY OR WHEN I CAN NOT HEAR SOMEONE AND IT GOES TO FRAUD AND VERY SCARY. IT I WAS OUT OF TOWN AND XXXX I WOULD BE STRANDED. I HAVE TO GO TRU XXXX ALL THE TIME. I AM FURIOUS. I CAN NOT HEAR. EVERY HOLIDAY THIS HAPPENS.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: ZENCO COLLECTION, LLC
State: FL

Complaint narrative:
Zenco Collections, LLC on behalf of XXXX XXXX XXXX is attempting to collect on a debt dated XXXX of which I have no knowledge of. In addition, they have pulled an asset report and are threatening to place liens and levies on my assets and garnish my wages through legal action. A message was left on my phone in which legal action was threatened without any verification of identification. A search of their phone number, reveals that it is a scam phone number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
In XXXX/XXXX/2015, Citibank customer manager decided to close my Citi Double Cash credit card due to a phone call argument over various bill pay payments that I 've made from outside banks. As a result I 've lost {$330.00} of cashback for this month that they did not honor upon my account closing. To make matters worse, this Citibank manager then made a personal call to close my Citi Premier card out of malice, resulting in XXXX of lost points worth {$530.00}. I believe that my accounts were unjustly closed by Citibank and I was not given the chance to redeem my cashback and point rewards worth well over {$860.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was invited by Citibank to start my CitiGold relationship and earn a {$500.00} cash bonus under promotion code XXXX. During the past six months after I opened my CitiGold account, I have written confirmation from XXXX different CitiGold Customer Service representatives ( attached References XXXX, XXXX, XXXX ), whom also received confirmation from Citibank New Account Servicing ( NAS ) that indeed my CitiGold account was opened under and eligible for the {$500.00} cash bonus promotion XXXX. As required for the promotion, I completed my {$50000.00} deposit on XXXX XXXX, 2016 and held the funds in my account for 30 calendar days through XXXX XXXX, 2016 when my 90 day wait time began. My 90 days ended on XXXX XXXX, 2016. My savings amounting to over {$50000.00} has been tied down to this account for six months now with repeated assurances that I was eligible and would be receiving the {$500.00} cash bonus by XXXX XXXX, 2016. Citibank needs to immediately resolve the matter and deposit the {$500.00} cash bonus due to me.

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 2016-11-24 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
AT & T Universal Card ( MasterCard ) cancelled our account without providing any notice on XXXX/XXXX/16, even though I used my card successfully on XXXX/XXXX/16 at XXXX to place an order for about {$50.00} ( Order Number # XXXX ). I tired calling AT & T Universal Card to have the account reinstated but they said no, that we would have to re-apply. I have no problem doing so, but we should n't have to go through that. Account closures affect credit scores and thus I would appreciate your help to get this account reinstated.

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 2015-03-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
i bought a car and it was financed through XXXX, who sold it to santander consumer usa. i am ahead by 4 payments and this company is stealing money from me. being ahead 3 payments, they claim i was past due, how that could be i do n't know. I opened a complaint with the office of the president and have never heard anything back from them. Since the account showed past due i did n't want anything negative on my credit report so i made another payment, which made me 4 payments ahead. they took the whole payment and applied it to interest that has n't even accrued yet. So in short they are stealing from me and right in front of my face. I was told by a representative in the office of the president that its standard practice to to collect interest that has n't event accrued yet, which is theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-06 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Benuck & Rainey, Inc.
State: MA

Complaint narrative:
I received a letter dated XXXX informing that Benuck & Rainey had been assigned to collect a debt for XXXX. XXXX provided me with a medical device approximately 1 year earlier XX/XX/XXXX. XXXX 's billing process exhibited negligence and complete incompetence. They not only documented an incorrect service date, but also billed the wrong insurance carrier. I thrice informed them of the their mistakes and re-provided the correct information. Rather than correct their errors and get paid, they began billing me and ultimately assigned the debt to a collector. 

Within the 30-day window following receipt of the collection notice from Benuck and Rainey, specifically XXXX/XXXX/16, I responded by mail. In this letter I explained that XXXX was several times informed of how to correct their insurance billing error so that they 'd receive payment from the carrier. I stated that I dispute the validity of the debt, and also included a formal request that calls not be made to my cell phone number. I work evenings and my cell phone is partially paid for by my employer for work use. Benuck & Rainey has violated my debtor rights by continuing to make contact attempts ( numerous calls ; at least 2 since post-XX/XX/XXXX ) without first providing proof of debt verification, and by continuing to call a documented work number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
There is a loan on my credit report for Speedy Cash and a duplicate for XXXX XXXX for the same debt. 

I did not apply for this loan. I have requested documentation to prove that this loan was applied for by me and the debt collection agency gave me a checking account and said the money had been deposited into this account. 

I have not used the checking account for more than 5 years prior to the date of when the debt collector said I applied for the loan. I attempted to speak with the debt collector and I have on a recorded phone file where the debt collector threatened to have me arrested at my place of employment. The debt collector also told me that they would call my HR department and garnish my wages. On another day, the debt collector called and stated he was a police officer. 

I made a police report and the Police Dept in XXXX said that there was a scam going on and that this had occurred to many people where there identity had been compromised. 

My identity was compromised during an employment layoff in 2009 by the State of Texas XXXX XXXX and this is the only way they could have gotten my information. 

I have contacted the credit bureau more than XXXX times, my attorney XXXX XXXX firm has requested documentation and neither of us have received documentation nor updates for more than 2 years..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have been trying to work with CITI Mortgage for years to save my home. 
Everything they have requested of me I have done. 
I sent in all requested documents and found that the person assigned was no longer with the company. No one could find his files and I have had to start over, over and over. 
They sent me a summons and complaint I answered and their lawyer rejected and wrote in a marker over my submission to the Court on my behalf. 
I tried to talk with CITI and no one knows what is going on in my 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 2016-09-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citimortgage charged me with fees related to foreclosure while I was in a chapter XXXX bankruptcy. These fees were not approved by the bankruptcy court. Also the attempts at foreclosure occurred while I was under the protection of the SCRA, while XXXX with the XXXX in XX/XX/XXXX-XX/XX/XXXX. My chapter XXXX was discharged in XX/XX/XXXX, and all debts that were approved by the court were paid. Despite my discharge, Citimortgage has refused to remove the fees. I am preparing to refinance and the fees will have to be paid before I 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 explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Prepaid card — Other special purpose card
Issue: Managing, opening, or closing account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I purchased a set of tires at Goodyear and selected the tires because of the advertised rebate of {$140.00}. The rebate came in the form of a prepaid VISA debit card issued by citibank. However, the card expired 6 months after it was received, and citibank says that the balance on the card has been forfeited. I called the customer service number at XXXX and was told that nothing could be done. 

There was no prominent disclosure of the fact that the entire rebate would be forfeit if the card was not used by the expiration date. That was {$140.00} in rebates that is now gone. Furthermore, the disclosure that came with the card said there would be maintenance fees after 6 months which led me to believe there would still be some balance remaining to use.

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 2016-08-06 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: Synovus Bank
State: CA

Complaint narrative:
I just lost a job because of financial set backs. So after call First Progress credit card ( synovus bank ) to discuss my situation. I was informed there was nothing they could do. Synovus Bank from then presist with reporting my pass due credit accout to all the major credit card companys 4-6 times for two months in a row. Forcing my credit to drop XXXX points in that 2 month period. I was unformed by the company that it was legal action. But I dont believe it at all. For the few months that I was current and paying extra there was attempt by the bank to report those positive transaction 4-6 per month.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
On XXXX XXXX, XXXX, I made my final payment to Santander Consumer USA for my vehicle. In spite of bankruptcy, I paid every payment due Santander Consumer USA and they kept the title to the car. I have not been able to get the title to the car. When I called inquiring about the title, XXXX representative said my title was mailed ; however, it was mailed to the wrong address. I was offered a " lien release '' letter instead. I have had the same address from the signing of the contract in XXXX. The representative could not explain why all of a sudden they had an incorrect address. 
My daughter called me and I told her what happened. She told me to call back and ask for a manager. We spoke to a second representative who initially said the car was paid off in XXXX and the title was mailed at that time. Upon insisting that the information she had was wrong, she finally said that the title was sent via XXXX. We then asked about a tracking number. She informed us that there was no tracking number. We asked for a manager. She said that she would see if XXXX was available, and if not, we could leave a message. We then asked how long would we expect to wait prior to receiving a return phone call. She said they were not legally able to make phone calls. 
In conclusion, I was told that 1 ) my title was mailed to the wrong address, 2 ) the title was mailed in XXXX, 3 ) the title was sent via XXXX, but there is no tracking number. It took several tries on the phone to get to a customer service representative, then I was given conflicting information ; and most importantly, I still do n't have my title.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
Santander Consumer USA is charging me more interest and fees than what was disclosed in the contract. This is a breach of contract and several violations under the truth & lending laws under State and Federal. They are also charging me add on fees and late fees that were n't disclosed. I also called the about my payment being late and I was told they would let me skip XXXX payments and just add it to the end of my contract but instead to this day XXXX/XXXX/2016 it 's showing I am behind {$1200.00}. Also I wanted to payoff the loan which the payoff should be around {$17000.00} but Santander is telling me the payoff is {$20000.00} which is another violation in the truth and lending. How can Santander USA get away with all the crooked Business they are doing??? I have read over XXXX complaints about this Business Please CFPB do something. I might just find a Class Action Lawyer to go after them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-15 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
XXXX is currently collecting a debt for XXXX different original creditors. Santander Consumer USA acquired the loan ( via assignment ) on XXXX/XXXX/XXXX ( see attached ) and XXXX XXXX acquired the loan ( via assignment ) on XXXX/XXXX/XXXX ( see attached ). The original creditor was XXXX who acquired the loan on XXXX/XXXX/XXXX when I purchased a XXXX XXXX at XXXX XXXX XXXX in XXXX, North Carolina ( see attached ). 

Neither Santander Consumer USA nor XXXX XXXX is the original creditor as claimed by XXXX XXXX ( see attached ). On XXXX/XXXX/XXXX, I asked XXXX., for full and complete verification and validation of the collection account pursuant to Section 809 of 15 U.S.C. 1692 ( g ) of the Fair Debt Collection Practices Act. On XXXX/XXXX/XXXX, XXXX claimed that Santander Consumer USA was the original creditor for which it was collecting ( see attached ). On XXXX/XXXX/XXXX, after asking for validation of the debt, XXXX., provided me documentation which did not mention Santander Consumer USA as the original creditor ( see attached ). Instead, XXXX XXXX was mentioned as the original creditor. This information is ambiguous, misleading, and false.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
EX-HUSBAND REFUND XXXX PAY FOR CAR
PAYMENT AND  ANOTHER ON HIS TOP
NAME .. and XXXX
 SO WHAT  I DO  WITH IT  PLEASE  
LET ME KNOW  PLEASE ,  WE  ARE  XXXX 
EX-HUSBAND  HAVE XXXX JOB ,  I AM XXXX JOB
I AM VERY SICK  MYSELF AND SURGERYAS
XXXX  ANYWAY ..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: LDF Holdings, LLC
State: OK

Complaint narrative:
I took out payday loans when my husband was n't working ( a 15 month period ) so that we would not have to pay car payments, housing, or utilities late. Since then the interest has eaten us alive where we ca n't pay them off. We 've had to pay them off and renew multiple times and now I have found out they are n't even licensed in Oklahoma. They withdraw the funds from Oklahoma Employees Credit Union and I am having to close my account. I was told to file a complaint since they are n't licensed to do business in Oklahoma. Please advise. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Peerless Credit Services Inc
State: PA

Complaint narrative:
This collections office has contacted me numerous times by phone after being told not to. This included XXXX separate instances where the office called my house literally less than a minute after I instructed them not to call back, the most recent on XXXX XXXX, XXXX at XXXX and XXXX The other instance was during XXXX and I do not have the exact date as my home phone only stores a finite number of incoming calls. 

The calls were more frequent and persistent last year, until I sent the letter on XXXX XXXX, XXXX explaining that the contract was null and void. The collector stopped calling for a few months and made no response contesting my statements about the validity of the contract and reasons for making those statements. 

Now they have called me several times in the past month, including the XXXX calls less than a minute apart, and are threatening legal action on an invalid debt. This has to stop and these people have to be shown that what they are doing is wrong and tortuous.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: CO

Complaint narrative:
on statement..no date on when maild payment due XX/XX/XXXXpaid through automatic payment through my bank how many days in this billing cycle? 
why are the number of days in cycle not stated on billing statement? 
accrued interest statement.. {$67.00} how much interest did really pay on this months payment? 
if different than XXXX..why is this not disclosed on statement? 
how much did i pay toward principle? 
what is pay off amt? 
if i pay off total amt next month,,, how much would i have to pay? 
i 've made XXXX payments..how many more do i have. 
how are you connected to XXXX XXXX in XXXX? .when i have asked to speak to president that 's where they direct me

Company response to consumer: Closed with explanation