vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-18 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I returned several items to my local Home Depot on XX/XX/2016. The receipt I was given showed XXXX separate credits, apparently because I 'd used different cards for the purchases. However, although XXXX of the credits did appear on my Citibank Visa ( for {$160.00} ), the other XXXX credits ( for {$25.00} & {$39.00} ) were apparently credited to XXXX different prepaid Visa cards. The problem is that because the XXXX prepaid Visa cards had already expired at the time the credits were issued, there is no way at all for me to access the funds on the card. I did call both gift card issuers and they confirmed that there is no way for me to use those funds. I do n't really understand how Home Depot could have credited these XXXX amounts, {$39.00} and {$25.00} to EXPIRED prepaid cards. It seems like the expiration dates ought to have come up on their computers at the time they attempted to process the credit. I should have been offered the option of a store credit, which I could actually have used. As it stands I 'm out a total of {$64.00} with absolutely no way to recover those funds. The identifying info on the Home Depot receipt is as follows : At the top of the receipt : XXXX XX/XX/2016 XXXX PM Cashier XXXX : *ORIG Rec : XXXX XX/XX/2016 XXXX XXXX At the bottom of the receipt : XXXX VISA $ XXXX XXXX VISA XXXX XXXX VISA XXXX Thank you. 
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 monetary relief
Consumer complaint received 2017-01-24 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 saw an offer on Citi bank web site that if I open a new checking account by XXXX/XXXX/XXXX and deposit {$15000.00} within 30 days and keep it for 30 consecutive calendar days than I will earn {$400.00}. I called the bank on XXXX/XXXX/XXXX and opened over the phone a checking account and deposit the {$15000.00} on XXXX/XXXX/XXXX at the branch. It passed more than 4 months and they still did n't honor their promise to give me the bonus. I called numerous times and was told that money will be in my account after XXXX XXXX, XXXX ( after 120 days ). I opened a service request on XXXX XXXX, XXXX - Request # XXXX, then followed up on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and today is XXXX/XXXX/XXXX and I never got the money or any response from the bank. Since I followed all the requirements of the offer, I think it will be fraud on their part to keep telling me that I will receive the bonus after XXXX XXXX and use my money for more than 4 months and eventually not paying it and just ignoring my requests. If the issue will not be resolved I will file a complaint with Federal and State Attorney General 's offices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-15 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
I opened a PayPal credit account 2 years ago because I was offered {$10.00} off my first purchase. I thought I had paid it but was contacted a few months later saying I owed the balance plus interest. I was confused because I had never been contacted before that and had n't seen any balance owed in my paypal account. I paid the balance and asked to have my account closed because I did n't need it and did n't want it. I just received a phone call from a collection agency stating I owe over {$50.00} for an item that was charged a year ago plus interest accrued. It was my understanding I had closed this account months prior to that. I received no contact from PayPal stating I owed them anything at any point in time, nor do I remember ever making a purchase on the credit account. My account always showed a {$0.00} balance when I would log in online. Looking online I see they have gotten in trouble for doing this to many people. I have spoken to them over the phone and they are unreceptive and push me off to the collection agency, who is also unreceptive and pushes me back to PayPal, who pushes me back to the credit agency and so forth. When I referenced that I read many other people were having this problem with them as well they played dumb and denied it. Very shady. These people should not be allowed to do business. What 's more is I have a collection agency after me at a time that I am applying for a mortgage for my first house! I 'm upset that this could hurt my credit score. Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-20 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
CitiCards ( CitiBank ) made changes to my login without any information or warning. And is not providing any response to inquiries. 

Now I can NOT access and can NOT use my rewards balance of over XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I purchased an item with my Macy 's credit card, and never received notice of my late payment or my account statement balance. I discussed the situation with Macy 's and they removed the late payment fees because they acknowledged that I never received a formal invoice requesting payment. My credit score has been severely affected by this situation and I would like to know how it can be fixed.

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 2015-05-06 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a Macy 's credit card once, did not get their bill. They threaten me for debt collection. On the phone, I gave them my bank account number, paid for the late fee and everything. At the same time, I requested to cancel my credit card with them. I am still getting another bill from them to pay them another {$2.00}. Even though I am not their customer anymore.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-05 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hello CFPB, I am a customer with Citibank. I use their website to access bank account like millions of other people do it. I have raised an issue with them that their log-in process is less secure due to the fact their password mechanism is no longer case-sensitive. It will make accessing online accounts a lot faster and easier for people who have ill-intentions. I have contacted them through their internal messaging system, but have not received a satisfactory resolution to the problem. I.e. they have not fixed their password bug after I repeatedly reported the problem to them. I would like for Citibank to take this seriously and resolve this issue in a timely manner. 

Thank you for reading, 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 2016-10-08 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I opened an account with Citibank by visiting a branch. There was a poster showing an offer for {$400.00} if a new account was opened and a certain deposit made and maintained for 30 days. After opening the account and depositing I sent a secure message to verify everything was fine with the account, deposit, and promotion, and received back this message : I reviewed your account and I see that your account is opened on XXXX/XXXX/16 and I see the deposit of {$15000.00} you have made on the same date. I suggest you to maintain {$15000.00} for the next one month from the date of deposit ( ie ) till XXXX/XXXX/16 for getting this promotion. Once you maintain this balance till XXXX/XXXX/16 then {$400.00} will be credited on your account with in 90 days no later than XXXX/XXXX/16. 
It is now XXXX/XXXX/16 and I have not seen the {$400.00} added to my account. Any attempts to contact Citi about this result in a dead end. I have : * Sent an additional secure message. I received a reply from an agent stating that they require me to give them the promotional code. I do n't know of any promotional code! I went into the branch to open the account and the promotion was on a poster. When I sent a secure message the first time the agent had no problem locating the promotion on my account, but this time they need some code? Every time I try to reply to this message I get an error. 
* Contacted them on live chat twice. Each time I have logged into my account and then clicked the " live chat '' box on the side bar. Both times the agent has told me that I 'm not logged in and I need to log in so they can view my account details. 
* Called on the phone twice. Both times I have entered my account details in and am to be transferred to someone and instead I am just hung up on.

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 2016-01-23 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Grant & Weber
State: CA

Complaint narrative:
I have called Grant & Weber I was attacked by some one, send to the hospital, and I file a police report and I was not responsible for this debt. I have try several times to contact and have this accounts removed from my credit. 

Company fail to provide prove Validation of the account. 
Company fail to provide information and they keep reporting to credit agencies. 

I apply for a mortgage and I was denied. 
Not able to obtain credit. 

I have send letters to credit bureaus to request Validation of the account not a dispute, this is not a dispute. The accounts are not mi accounts. 

know credit reports I am getting as a resolution sad that company was able to provide up date information. 
What up date? I do n't get any up dates? 
No answer with in the 30 days in 3 times 3 times I have requested Validation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: Synovus Bank
State: CT

Complaint narrative:
FIRST PROGRESS SECURED CARD DOES NOT ANSWER PHONE OR RESPOSE FROM MAILING MY COMPLAINT THEY STATE THEY WILL REPORT TO ALL CREDIT BURUES THEY HAVE NOT DONE SO AS STATED ALWAYS WRONG INFO THAT HAS HURT MY SCORE NOW I HAVE A LETTER THAT SAYS I HAVE BALANCE OF XXXX AND A CREDIT LIMIT OF XXXX BUT WHEN I PULL UP MY ACCOUNT IT SAYS I AM NEGATIVE MONEY NO AVAILABLE CREDIT

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Grant & Weber
State: CA

Complaint narrative:
I was seen at XXXX XXXX Hospital for XXXX ( mind you I had been released from XXXX XXXX hospital from an XXXX ) and released that same day. I did not have my medical card with me at the time of service. I had emergency medical which cover all my emergency visits. I did submit my medial card to the billing department about 3 days later. I was told by someone at the billing department they have received it. 4 years later I check my credit report and turns out I owe a balance of XXXX. I had just became a resident of the U.S and received my social security card and like everyone I wanted to start building my credit. Unfortunately, I could n't because of this issue in my credit report. This has been done fraudulent because I did have insurance at the time of service and I did submit proof of medical in a timely manner. I need this to be investigated and removed from my account. Also, Grant and Weber ( collection agency ) have added my wife XXXX XXXX onto this account. My wife is not liable nor responsible for this debt, she needs to be removed. They have requested a fraudulent inquiry on her credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 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 have a fairly new loan with this company and since day XXXX I 've had nothing but issues with payments and being told XXXX thing and the company does something different. The first issue was when I was told that the company would honor the date on a check I had wrote for my payment it was a holiday and I knew the checked would be delayed. The rep I spoke to assured me it would n't cause me to be 30 days late but indeed it did and they did n't honor the check date like they said they would. After reviewing my credit and seeing a 30 day late status I contacted them again and explain the situation and they told me they would credit back the late fees and soon after I found out in XXXX from a supervisor they did n't after I was told in XXXX they did. Next issues was that the company never informed me that XXXX payment was n't made until XXXX when I was confused of why my credit report was now showing 90 days late. The company time after time promised things and did n't hold their end of the deal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Green Square Company LLC.
State: VA

Complaint narrative:
My mother and cousin was contacted by Premier Recovery Group XXXX. A lady by the name of XXXX XXXX has called my mother and cousin SEVERAL times. My cousin was contacted over 10 times today and XXXX XXXX got nasty with her and cursed at her using the XXXX word. She told them she needed to speak to me because I committed fraud. She threatened legal action. This is totally unacceptable and harassment.

Company response to consumer: Closed
Consumer complaint received 2016-09-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Benuck & Rainey, Inc.
State: CA

Complaint narrative:
Collection company representative repeated threatening legal action and negative credit reporting as well as seizure of company property in collection attempts to collect a debt that we do not owe. Collection representative will hang up the phone when we try to dispute and explain. Collection representative gathers personal telephone numbers and home address and send harassment calls and letters to personal home address when the issue is related to a commercial non-personal debt issue. 
Collection representatives are bullying us into paying what we do not owe. They are using information obtained from us verbally by phone using incorrect information to demand added premium on an insurance policy that has expired and paid in full according to terms.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: On-Site Manager, Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX out of New Jersey placed a judgment on my consumer report that was false. I was told that the record would be removed, and was given a sheet of paper indicating that they would rent to me again, that all my balances were paid in full, and that I never had any Nonsufficient funds issues. The false judgments are still on my consumer report, and never once did I have to go to court for any judgments. It is preventing me from being able to rent from other places despite the document due to the public record.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-12 00:00:00
Product: Consumer Loan — Title loan
Issue: Lender repossessed or sold the vehicle — 
Company: Manor Resources, LLC
State: OK

Complaint narrative:
Got a loan through turbo tittle loan and six months later got divorced she got the car and debt now she has trade car in and they are calling me and harrassing me talk to guy on phone told him not to call me again and his answer was he will all day long and he has now called XXXX times in and hour

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13 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 had a car loan with Santander Consumer USA. I made a payment of {$450.00} while in the process of trading that vehicle for a new vehicle. My last statement had a " estimate payoff '' of {$18000.00}, however that week, the dealership payoff amount was {$18000.00} not including the amount I had just paid. I proceeded with the trade financed by XXXX XXXX. I was told by the dealership the difference from the payment I made would be refunded to me. Since then I contacted Santander USA after receiving a payoff statement. They could not tell anything because the account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Lazega & Johanson LLC
State: GA

Complaint narrative:
A creditor Lazega and Johanson threatened to sue me on a private student loan debt where the statute of limitations had expired and also threatened to sue my mother who is listed as the co-borrower. In addition they threatened to add fines and additional fees. They then attempted to garnish my wages form my employment which lead to my termination.

Company response to consumer: Closed with explanation
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: MN

Complaint narrative:
My account was paid off and refinanced with a different finance company. The finance company overpaid what was owed on the account. I 'm being told that the over payment will be returned to me in 30-45 days from XXXX XXXX 2015 to make sure there are no liens and paperwork is taken care of. I honestly do n't believe that to be an acceptable time frame for this to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
Hi I no longer have the vehicle and the Carsalesman is under federal investigation. He did all bogus paperwork. He got fired from the dealership for doing all fraudulent deals to get vehicles. I feel this should n't be on my credit it he is incarsurated for the crime. It is really bothering me I ca n't get another vehicle and I have serious health issues. I have contacted the dealership and they said they would sign statements allowing Santander USA to know what happened. I have disputed it on all XXXX credit beraus. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
A vehicle I had was repossessed XX/XX/2015 and sold at auction. The company Santander has since sold the debt to XXXX. However they continue to report each month as if this a current debt, repeatedly preventing me from recover from the initial hit to my credit score. I have repeatedly dispute this with XXXX as per law once Santander sold the debt they are no longer allowed to continue to report it. However Santander keeps reporting as if this is a current debt and refuses to update my report to show they have sold the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: WINN LAW GROUP, APC
State: CA

Complaint narrative:
Winn law group bought a 10 year old judgement from XXXX XXXX. Never informed of anything and had never heard of Winn before they stole all the money out of my bank account on XXXX/XXXX/2016. Called them, they informed me that I was returning my own mail. That 's a lie.I understand that Winn is a form of a boiler room for layers, I get that. They have more than doubled the debt, and I have no clue where to go from here.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
I originated a loan for a truck in 2009 with XXXX. The loan was for 72 months. Santander Consumer purchased the loan from XXXX after about two years. I have paid this contract in full and Santander will not release my title. They say I owe for 80 months. I have consistently asked for a supervisor and for them to explain how my contract can go from 72 months to 80 when I never refinanced.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
We purchased a XXXX and financed the vehicle with " Chrysler Capitol ''. The vehicle was hit by a tree during the Hurricane XXXX. XXXX came out and reviewed the damage and a check was cut. It had the lien holder and the co-owner on the check. We were advised to send the check to the lienholder and we could spend out of pocket for the repairs and they would reimburse us for the repairs that the insurance company paid for. After many weeks of sending documentation to " Chrysler '' we are now told they will not pay for certain items because they are not the same manufacturer. They have our money and we are out of pocket for these repairs. The employees are rude and of no help. To the point that they hand up on us. We need help getting paid for the repairs that OUR INS company paid us for and that Chrysler refuses to give us.

Company response to consumer: Closed with explanation