vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-28 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I asked for a credit line increase and is was denied. Best Buy credit card services canceled my credit card ( and that was fine ) and then charged me a annual fee of {$59.00} + intrest {$2.00} after the credit card was canceled.

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 2017-02-11 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
This is the second time this has happened to me. 
I received my monthly statement from home depot which has a due date on the XXXX day of the next month. I usually pay at the local store on or before the XXXX of the month, However, i paid by us mail on XX/XX/2017 for the due date of XX/XX/2017, total bill of {$27.00}. On XX/XX/2017 I received a notice that my account had been assessed a {$26.00}. late fee plus {$1.00}. interest. The {$27.00} was posted XX/XX/2017. 10 days from XXXX XXXX to XXXX XXXX -- XXXX did better. . interest on what???

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 2016-06-11 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 signed up for a CitiGold checking account after receiving an offer for XXXX XXXX miles if I met the requirements for sign up. After opening the account, I messaged citi on XXXX/XXXX/16 asking if I had met all the requirements for the offer. A representative responded on XXXX/XXXX/16 ( message ID : XXXX ) confirming I had met the requirements and would receive the XXXX miles within 90 days. After 120 days and still no miles, I sent another message to Citi. They responded saying I was not eligible for the offer and that I would not receive any miles.

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 2016-11-03 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank personal banker opened XXXX unauthorized credit accounts, XXXX for myself and XXXX for my wife.

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 2017-03-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Total Finance AC LLC
State: IL

Complaint narrative:
To whom it may concern TOTAL FINANCE AC, LLC located at XXXX. XXXX IL XXXX ( XXXX ) XXXX. 
My purpose is so that everyone gets informed and know these people are frauds. 
My name is XXXX and I have a big issue with this financial group. The problems started when they could n't show me my payments and with the overall balance. For a little over 2 years now I 've been with them. I have also have asked to speak with a manager but they have denied me that privilege and only handed me to speak with someone on the phone but I needed someone in person so they can explain to me my issues. I have a feeling that they did fraud since beginning of my contract, They also do n't explain anything through the process of signing the contract. I 'm not the only one, I asked several of the costumers they also felt as XXXX as me. Please, I ask you to help me because I feel deceived by this financier since my contract. Thank you You can contact me at ( XXXX ) XXXX. Or Email : XXXX Sincerely, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-10 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
Macy 's allows its clients to enroll in autopay, and then stops honoring it without informing the client ( even when one 's account shows current autopay enrollment. ) They then charge late fees and report nonpayment to credit bureaus after 30 days. I have tried to have this corrected, but have received no response. This happened in XXXX as well, but this time it has affected my credit rating at a time when I am pursuing a home equity line of credit ( HELOC ). Each time it occurs, I have had fairly large balances in my checking account ( ~ {$3000.00} - XXXX ) so it is not because of lack of funds. ( They actually do n't claim that it is ; they just stop honoring autopay. ) In XXXX, I was told ( after inquiring ) that my autopay was canceled if I did not use my account every month. The information regarding autopay available at the time I enrolled did NOT disclose this, and I believe the practice was later changed. I was not notified and was then charged late fees if my payment, which I did not know had not been paid by autopay, was overdue. 

Interestingly, for a period of time, I received notices each month, stating that in accordance with my request, my bill was being paid by autopay. It was n't unusual, however, for my card to still be declined days after receiving this notice! A few sales people from different stores have told me they receive billing complaints " all the time. '' Last month I learned that Macy 's was once again failing to honor my autopay, and that they had reported me to the credit bureaus in XXXX XXXX for a 30 day-late payment. When I checked my account online, it indicated that I was currently enrolled, so I do n't understand why my bills were not paid. ( I attached a screen shot of my account page indicating " Autopay On. '' ) I went through the enrollment process again, even though under status, it stated that I was already enrolled. 

I have just learned that because of this, I either can not get a HELOC or will have to do so with a significantly higher interest rate. The credit agencies also cited the time in XXXX when Macy 's did the same thing. Because it was more remote, it did not have the same weight individually, but together, the XXXX have a significant effect. 

In XXXX, I asked Macy 's to remove the late payment notice that was submitted because of their error, and to send me a letter to provide to the credit agencies. Despite being told they would do this, they did not. 

I am normally pretty easygoing, but Macy 's practices are beyond upsetting. I am furious that my credit has been affected when, for the very first time, I need to take an equity loan because of family illnesses. I also am disgusted with their lack of response to consumer inquiries. 

I am hopeful the CFPB will be able to help. Thanks very much.

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 2017-03-16 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get 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 explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I 've been a happy Citi customer for over a decade, however most recently there has an issue that arose from theft on my Citi checking account that led to problems with my credit report. This has been a very frustrating issue as I 've brought this issue up with Citi to no avail, and I find my credit score heavily tarnished due to a small missed payment, which in effect was Citi 's mistake. XX/XX/2015, my checkbook was stolen and my account information was compromised I was told by Citi to close the account and start up the new account. In XX/XX/XXXX I went to the Citi branch and started up a new account and closed the old account. Unfortunately, without my knowledge, the account was re-opened and then over drafted due to an ACH, which I was not aware of at the time. This account ended up being overdrawn and it ended up maxing out a small overdraft line of credit which had a credit limit of a few hundred dollars. On XX/XX/2015 when I was at the Citi Branch, only then was I made aware by the teller there of the old account not being closed and was still honoring old ACH 's and had a balance of {$38.00}, so I promptly made a {$750.00} deposit towards that account o make sure it did n't get overdrawn. So the account ended up having a balance of {$780.00}. However the teller failed to tell me that the line of credit linked to it had also not been closed and was indeed maxed out and past due. I only got alerted of this later when I checked my credit report, at which time I promptly paid off the line of credit. All the while in my new account, I had funds between $ XXXX- {$8000.00}, which were more than sufficient to payoff the overdraft reserve line

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 2016-08-09 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I had a fraudulent charge on my bloomingdales credit card XX/XX/XXXX. It took them until XXXX XXXX to resolve the charge. Throughout the investigation process I was getting late payments marked on my credit report as well as a charge off. They keep telling me it 's cleared on their end and my credit report should be updated, but it has not. I even have a letter from them confirming that everything was resolved. This is causing me financial harm as I am trying to get a mortgage. My credit score was above XXXX and now it 's around XXXX. Every single time I call them I get a different answer. One has told me it 's all cleared and it should update on my credit report. The next person will tell me they are waiting to get the account back from a collection agency so they can remove the charge off.

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 2016-07-11 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I 've had my Citi Thankyou card since 1996. Never had any problems until this year. I was 2 days late making the payment to completely pay off my balance in XXXX. I knew I would be charged interest on my next statement. I paid the complete balance in XXXX. However, when I received my statement for XXXX, there was another interest charge of {$240.00}, so I called customer service. They said they could n't help me, but would have a supervisor contact me. I missed the call when the supervior called back and she left a message saying that I should call the number on the back of my card. I have called 4 more times and each time I get the same response, that they will have a supervisor contact me. To date, I have n't received a return call from the supervisor. It 's very frustrating to received no response at all.

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 2015-08-21 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: STERLING JEWELERS, INC.
State: OH

Complaint narrative:
Today I got a voicemail from a XXXX XXXX from XXXX XXXX XXXX. She did not disclose that she was a debt collector. Just that she was calling about a " legal matter that will require XXXX to appear in court ''. She also did not disclose that any information collected would be used for the debt collection purpose. She used language to make it appear she was from a law firm. " I 'm an arbitrator for the offices of XXXX XXXX. Never mentioned anything about a debt. Just that I 'll have to face court against the allegations against me. 

She then calls my husband who answered at work saying that if we do n't pay the {$580.00} I owe by the end of business today that will sue for over {$2000.00}. 

According the Fair Debt Collection Act that a collections company may be allowed to charge interest on debts they are collecting. But they ca n't charge more than the amount described in the original contract or what is permitted by law. {$2000.00} would go way beyond that. Also that debt collectors must follow the " mini-Miranda '' warning '' on voice mails and she did n't follow any of it. There is nothing actually filed in court. They caused me a lot of stress saying I was going to have to appear in court for " allegations '' when I had no idea what those allegations could be.

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 monetary relief
Consumer complaint received 2016-02-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
The book value of my vehicle is XXXX dollars and my loan with Santander usa is XXXX principle where as the pay off is XXXX. I now owe XXXX dollars for this months payment which is partially due to XXXX dollars in accrued interest and they also attach XXXX late fees to every late payment. In addition, my monthly payments are a ridiculous XXXX monthly and they will not reduce those monthly payments. This seems like it is a predatory loan designed to make it impossible for consumers to pay off. High interest rates which may not be legal rates, late fees and monthly payments which is too high for a vehicle worth half the price of the loan. Is this legal? Recently, Santander usa lost a lawsuit for overcharging their consumers and paid XXXX in financial relief. Can you help me with this company which practices bad business ethics?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
On XXXX/XXXX/2015. I made a complaint on Santander Consumer USA about my car loan. I have since spoken to different people again. I spoke to a XXXX, who stated he was with the management team. However I still DO NOT see any results. Again on XXXX/XXXX/2015, my statement said my principal was {$8700.00} and the ESTIMATED payoff was {$8800.00}. On XXXX/XXXX/2015, I made a car payment of {$470.00} and on XXXX/XXXX/2015 I made a principal payment of {$1000.00}. On XXXX/XXXX/2015, I received my XXXX statement. It showed a principal of {$7400.00} and a ESTIMATED payoff of {$7500.00}. On XXXX/XXXX/2015, I made a principal payment of {$1000.00}, on XXXX/XXXX/15 a car payment of {$500.00} and again on XXXX/XXXX/15 another principal payment of {$1000.00}. I check my account on XXXX/XXXX/15 and it shows an ESTIMATED payoff of {$5000.00} ( HOW ). I 'm BEGGING for some help with this matter. I just want to be treated fairly. Can someone PLEASE assist me with this matter? PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
I recently had my car repossessed in XXXX 2015. After the repossession I was given the option to get my car back if I could bring my account current. I brought my account current through Santander and the various agencies they worked with. Once my account was current Santander reinstated my loan and had me being making monthly payments ; however, the status of my loan on my credit report is faulty. It still displays my account in charge off status, with me making monthly payments to the account, and no evidence of the loan being reinstated. 

If my account has been brought current, and you have reinstated my loan, it would only make sense to reflect my account as a simple interest loan once more with installment payments being paid on time currently. It does not seem feasible that one would reinstate my loan while still reporting it as charged off with payments being made on that charge off monthly. 

Santander has refused to give me paperwork stating that they have reinstated my loan. All I have currently is my payment history which they are obligated to provide me with.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: AZ

Complaint narrative:
I have a auto loan from SANTANDER CONSUMER USA on a XXXX XXXX XXXX. over the last two years I have been paying a extra {$60.00} a month to go towards the principal. Instead this company decides to apply none it to the principal and take half and add it to the interest and add 22 % on top of it. I call the company to talk about this and they admit that they did this on tape that I have. After doing some research on this company this the same company that just settle with the fed because of cheating XXXX men and women. I am a XXXX veteran and do not understand how this can still happen with with company. There are many lawsuits that have been filed against this company and this company still try to cheat its customers with this illegal practice. I had a account look at my history of payments for the last three years and none of the payments that have been made have been applied correctly to the loan amount. I have made a request to have all of my payment history mailed to me over two weeks ago, I was told by XXXX a manager that the extra payments will be added to the principal and correction made. So far nothing has been done, the payments still do not show correction made. I would this department to get involved to help make correction and expose this company for what it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Benuck & Rainey, Inc.
State: NH

Complaint narrative:
I contact the collection agency to resolve an unpaid collection account that was on my credit bureau. I was told that the account would be shown as paid in full and i would have a letter faxed that would confirm the paid in full status along with removal from my credit bureau. I was instructed to send in a letter authorizing them to release this information via fax which i did. After days of not receiving the letter i called back to get the letter sent, and i was informed by the representative i will not be getting that letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Santander Consumer USA , Inc. sent me a letter dated XX/XX/XXXX advising me of an adjustment to the principal balance of my car loan of {$910.00}. Additionally, I was advised of an additional adjustment of {$1600.00} for the accrued interest due. Furthermore, I was advised the adjustments were to take between 3 -5 days. As of XX/XX/XXXX, Santander has never provided payment history or any explanation why the adjustments were never applied to my car loan. 
Prior to my car loan being paid in full, I notified Santander to apply the adjustments to my car loan. I discontinued making loan payments as a result of notifying Santander. Santander reported late payments of 30 days for XX/XX/XXXX ; XX/XX/XXXX and 60-day late payments for XX/XX/XXXX and for XX/XX/XXXX. No matter how many times I have contacted Santander they refuse to remove the negative payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: Flagstar Bank, National Association
State: CA

Complaint narrative:
I have been having problems with this bank, and decided to close me account. I contacted them to get explicit directions on how to close it. I had numerous problems with this bank before and wanted to make sure I could l so without incurring any fees. It is an interest baring account. I called to find out to close the account, but get the remaining interest due. I was told in that situation to leave {$1.00} t {$2.00} in the account and the remaining interest would be deposed after the next cycle closed ; after that happened, I could with withdraw out any penalties. Instead I got numerous letters that my account was overdrawn, because the bank charged me fees for not meeting a minimum balance. I got multiple letters threatening they were going to report to the credit reports and that this was a default that was going to show up on my credit report. They were claiming my account was overdrawn {$8.00} ; they had charged me {$10.00}, directly contradicting their directions that said that they would not do that. When I first contacted them, I got the complete run around. First they told me they could not legally reverse the fees. When I threatened to sue them, they said they would reverse the charges. I insisted they send me a letter verifying my account was not overdrawn and that they would not contact the credit agency. They have refused even to address the issue after months of my asking them to : this is wholly illegal. All their responses say is that my account now has no balance due, which I know. I contacted them XXXX times and they refuse to address whether they sent this information to a credit agency or took or will take any adverse action. I believe their refusal to respond is also directly retaliatory, because of the documented issues I had with this before. I think that they violated multiple laws. They Illegally sent or threatened to send misinformation to credit agencies, and then have refused to address those threats and whether they have done so. The only amount that was over drawn on the account was the amount they illegally charged me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
Unauthorized prescreening. I never applied for any credit nor have I ever tried to open an account with Santander Consumer USA XXXX date XXXX/XXXX/15. Who is this company? Why are they running my credit for anything. I did not apply for any card or account.

Company response to consumer: Closed with explanation