vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-15 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
It 's about my dispute with Citi Cards, billing dispute department, XXXX XXXX XXXX, SD XXXX . 
I signed the contract to purchase the XXXX service from XXXX XXXX to XXXX XXXX on my last day in XXXX, outside the US with the XXXX XXXX XXXX Card on XXXX, XXXX. 
But they put the contract from XXXX XXXX to XXXX XXXX. After I came home I called their customer service to kindly change the date to my desired one, starting and ending in XXXX, XXXX times in XXXX but I received no response. 
Last time I had a chance to talk with their manager and he complied to do so, but still now I see no changes. 
I am not happy with their services. 
After that, the Citi card took over my XXXX XXXX card. 
I disputed this transaction but they have reversed it on XXXX, XXXX. 
Again, I made a dispute case XXXX with Citi Card on XXXX. 
Their company has sent me a lot of letters requesting my next payment, even though I have talked to their manager to fix their faults. 
I called and talked to their manager again to ask them to stop sending me the bills as I have never used their bad service. 
I try to dispute the reverse again but I could nt do t online by myself. 
As they are out of US and I feel unsafe since they know my credit card number. That is why I asked for a replacement of my Citi card on XXXX XXXX. 
On XXXX, I called in Citi 's customer service to make the payment, cancel the card and ask for helping to dispute this amount again. 
I sent a couple emails ( In XXXX, on XXXX XXXX and XXXX XXXX ) and called to Citi card to ask about my case and they asked me to wait. 
On XXXX XXXX Citi card cancel my credit card without any notice and explain reasons. 
On XXXX XXXX, Citi Card sent me a letter to say that the merchant refuse to issue the amount I have previously paid as I signed the contract. 
And Citi will bill me for the next 2 billing periods even though they cancel my account a month ago. 
1. Please kindly help me as I 'm so distressed with the terrible customer service of XXXX XXXX. I just signed the contract but I never used their service and I swear that I will never use their service. 
2. I think that Citi billing dispute department have to protect me as I am their customer, yet I am still immensely troubled. They have done very little research on this case because the files they have sent me are incorrect.

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 2017-01-05 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
Sears Account XXXX Account inquires XXXX XXXX made at Sears, XXXX, XXXX, XXXX, OK XXXX XXXX Item XXXX Made payment on XX/XX/XXXX for XX/XX/XXXX bill that was due XX/XX/XXXX Item XXXX Made payment on XX/XX/XXXX for XX/XX/XXXX bill that was due XX/XX/XXXX Item XXXX Made payment on XX/XX/XXXX for XX/XX/XXXX bill that was due XX/XX/XXXX Item XXXX payment was applied to XX/XX/XXXX bill not to the XX/XX/XXXX bill. Item XXXX payment bill has a statement that I did n't make the XX/XX/XXXX payment. XX/XX/XXXX @ XXXX I called Account Inquires, spoke to Princes, I was informed that the XX/XX/XXXX payment was applied to my XX/XX/XXXX bill. I asked that the XX/XX/XXXX payment be applied to XX/XX/XXXX bill. The options I was given was a removal of late payment fee or the refund of the {$50.00} XX/XX/XXXX payment. I told Princes, that I did n't want that because my credit report would still reflect a no payment in XX/XX/XXXX. Princes connect me to the supervisor, XXXX, who gave same options. I informed her that the current system of payment in store should be updated. The system does n't tell you that you are making a duplicate payment and give you the option to opt out of the payment. The current system will cause the customer 's credit rating to be negatively impacted because you will have a " no payment '' on your credit report that is false. This will reduce your credit score in a fraudulent way.

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 2015-06-10 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I have a Citi Bank credit card that has been turned to an attorney for collections and a judgement has been issued against me and I am trying to short sale my house and the attorney handeling this account is not willing to issue a partial release or negotiate a settlement so my home can be sold opposed to being foreclosed upon. I was never served by the attorney or Citi Bank therefore I feel the judgement is invalid. I am asking for assistance in getting Citi to resolve this issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
4 or 5 phone calls a day with no one on the other end of the 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 2016-08-17 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Macys turned my account over to a collections agency however my current account is not nor has ever been over due. I requested a replacement credit card when mine was lost in the mail XX/XX/2015. When Macys sent me my new card they actually created a new account and did not sync my old account balance with the new one, I was not informed of this policy which I am told is for security purposes. There was a outstanding balance of XXXX dollars on my old account that I was completely unaware of. I was getting statements for my new account and did not know that I had an old account that was becoming more and more delinquent. I never received a bill or a phone call regarding the old account. It is now reflecting on my credit report. My husband and I are trying to refinance our house and this is making it difficult. I spent 2 hours on the phone with Macys only to be shuffled around to XXXX different departments who couldnt and wouldnt help me. I was told to call the collections agency even after they admitted it was an error on their end. I am currently taking care of my grandmother who has XXXX and can not waste my time on the phone with collections agents especially when their is no error on my end. I need help dealing with this because I am getting the runaround and no one seems to know how to handle this. I have done nothing wrong other than trust that when I was issued a replacement card Macys would do their jobs correctly and provide me with my correct and current account information.

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 2015-09-02 00:00:00
Product: Debt collection — Federal student loan
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: National Enterprise Systems, Inc.
State: MI

Complaint narrative:
Had a call from a debt collection agency by the name National Enterprise. This rep/so called manager " XXXX XXXX, Ph. XXXX EXT. XXXX " was so rude and very unprofessional. He intimated that he was calling on behalf of XXXX XXXX and that, my loan is delinquent. I told him, l was currently unemployed and looking for a job and as soon as l find one, l will resume my payments. This guy will not listen to simple explanation! He proceeded to obtain information about my wife. What she does for a living etc, and if l have a XXXX to draw from to pay the debt? He went on to threaten me that, if l do n't pay the debt, l will find myself in a " tight spot ''. I had to finally hung up but he proceeded with few more calls to my home thereafter. Are there no laws protecting citizens who owe student loans anymore? What type of society do we live in now?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-05 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I opened a citi gold checking account XX/XX/XXXX with a promotional bonus of XXXX Aadvantage miles and I called three or four times to citi gold customer service and they said I 've met those requirements and have submitted an investigation. I should be receiving a letter by then but I do n't receive it even now. So I have to call again asking about it. They have to submit another investigation ticket but still nothing happened. I 'm really disappointed by not hearing anything from them and this just ca n't be resolved.

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 2015-07-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
It is not clear to me as why these big banks such as Citi Mortgage will not assist a consumer with homes still upside down. I have been denied XXXX times for a short sale on my home that is clearly upside down by Citi Mortgage 's own XXXX. I am underwater by about {$35000.00} to {$40000.00} and is clearly shown on my financial papers that I can not afford the payment but yet because I refuse to ruin my credit and struggle to continue to make my payments by working XXXX and XXXX jobs just to barely make ends meet and putting myself further in other credit card debt they will not work with us. Since when is it a requirement and or why is XXXX and XXXX and Citi Mortgage allowed to control my credit by forcing me to go delinquent when all the other hard evidence should support them granting me an approval to sell. I have lost XXXX buyers for this home and turned down each time BECAUSE I WAS NOT LATE. I hold a XXXX license and feel it is my obligation to pay my bills on time as to be an example to other homeowners. This is completely reckless and irresponsible of the agencies to allow this and control this to the point of hurting me from obtaining credit in the future by not assisting me. It has been almost 3 years that I have been trying to sell in an already troubling industry and this just confirms that the larger banks and agencies truly DO NOT CARE FOR ANY CONSUMER. I have reached out to the CFPB before on his matter and there was no resolution. Also I find it ludicrous that I can not get pre approved for a short sale knowing ahead of time so I can get a bonafide offer but rather have to be in contract with a prospective buyer, trouble everyone for documentation such as real estate agents, buyers, and escrow companies only to be declined. Where is the protection to the consumer - I see none! Ruin your credit then we will consider helping you is not a motto anyone should be proud of. Our industry of which I have been in for 30 years is a disgrace and see no where that any of the laws and regulations and changes have helped rather make things much more atrocious. I have a XXXX and XXXX both with Citi Mortgage and the XXXX is owned by XXXX XXXX. Very disappointing that as a community of mortgage professionals we refuse to help people until they damage their credit. In the midst of all this I get a letter every month telling me my payment is past due but I seem to be able to make it by the end of month. I truly have a stack of XXXX letters from Citi Mortgage spanning over XXXX inches thick.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-12 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
we had a balloon loan that matured, citimortgage threatened forclosure and would not work with us or refinance at all, they wanted our house and said they 'd get it. so only option left was a bancruptcy that included the entirety of matured balloon loan balance in XX/XX/XXXX, case was discharged in XX/XX/XXXX, never missed a payment and everything agreed to in court and allowed was paid to the full. XX/XX/XXXX I get a bill from Citimortgage for XXXX dollars instead of the deed to my house. where did they make up this fraudulent loan? I have no idea, but apparently this is their M.O. and they do it all the time. After months of paperwork and haggling, i hired a lawyer which sent all the necessary paperwork to handle this matter and lo and behold Citimortgage pulls another fast one and sells the fraudulent loan to outside company known as XXXX, who now is threatening to forclose on the loan they acquired from Citi. It is ILLEGAL!!! to attempt to collect a debt that has been either paid which mine was or discharged in a bancruptcy. Double jeopardy or what, Citimortgage told me they would get me no matter what and now my lawyer ca n't even get the third party company to communicate with her, even though they have a 3rd party authorization. These people are tant amount to organized crime and just keep asking for more or threaten to foreclose. These laws are supposed to protect us from XXXX companies like Citimortgage, taking advantage of those who do what 's right, follow the law, and pay every payment on agreed payment schedule. Someone must make Citimortgage play by the rules or pay themselves, can anyone make them live up to their end of the mortgage agreement since I have fulfillled mine. I want the deed to my house!

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 2015-11-10 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: AES/PHEAA

Complaint narrative:
In XXXX I applied for a student loan of {$20000.00} with my bank XXXX and received the full amount. When I graduate in XXXX after 6 months I started to make the minimum payments for this loan. In XXXX the loan was taken over by another company called American Education Services. I continued to make my regular payments with this new loan company. In XXXX I decided to return to school for XXXX and sent in an application for forbearance. As a full time student overseas I would not have the income needed to make regular payments on the loan. I sent proof of enrollment and all the necessary documents to AES twice and was denied both times the reason given was " cumulative maximum of deferment has been reached ''. The only time the lean was in deferment was when I was still still in school for my XXXX degree. On the basis of this I have been receiving calls about my loan being past due, but all the necessary paperwork was given in a timely manner and my I was told that my request was in review. I continue to contact the loan officer who handles all the loans for XXXX and they tell me to do the same steps and I receive the same result. I have no idea how to handle this situation. I want to warn other not to use this loan company for your student loans as they are unorganized and are not customer orientated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-16 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I closed my credit account and paid in full. A purchase came through after the account was closed - which was fraudulent. The purchase amount was around {$15.00}. I attempted to report the fraudulent purchase over email and the over the phone and was unsuccessful 5 times to either stay on the phone with customer service ( disconnected twice ) and over email they would not allow me to resolve. At this point - I have paid the balance in full - multiple times. So that {$15.00} purchase amounted to over {$150.00} in fees for late payment. It seems out of this world. Although they said that the amount while under dispute would not accrue interest or fees - that is not how this has been handled. I just wanted to close 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 monetary relief
Consumer complaint received 2016-07-15 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I purchase a product from Home Depot using their credit card. I received the statement and made the payment of {$15.00}. The money was taken out of my account on XXXX XXXX. The next month I received a bill from Home Depot indicating that I owe them {$17.00}. I thought I called them about this. I received another bill the next month from Home Depot saying I now owe them {$37.00}. I called them yesterday questioning why I owe them when I paid my payment on time. The last day to pay on time was XXXX XXXX. Home Depot say that they did n't credit my account until XXXX XXXX so I was responsible for the late charge. They were willing to waive only XXXX, but say it was their company policy not to waive XXXX late charges in one month. I indicated that there should n't have been a late charge since I made the payment on time and it was taken out of my account in time. I do not believe that I should be responsible for them posting it to my account late and being penalized for it.

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 2017-02-10 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
In XXXX XXXX my son leased a XXXX XXXX XXXX from a dealer in XXXX Fl. Because he was just starting his career they asked that I cosign the lease. My son put $ XXXX down and agreed to pay {$270.00} a month. On XXXX XXXX, XXXX my son passed away suddenly. On XXXX XXXX I spoke to Chrysler Capital and explained that my son had passed away. They asked for a death certificate which I sent along with all my contact information so they could send all correspondence to me going forward. I never heard from Chrysler Capital and on XXXX XXXX I stI 'll have not heard from them. However I have my credit monitored and the service sent me a notice that Chrysler Capital sent a late payment notice in to the credit bureaus which lowered my FICO score XXXX POINTS. I never got any notice or phone call nothing that there was a late payment due. I never heard from them by mail nothing. I contacted Chrysler Capital and they said they do n't have to notify me or invoice me nothing. Because I was the cosigner I am obligated regardless of the circumstances. My son never missed a payment for close to 20 months. He put $ XXXX down. I have paid the lease off, which if they had contacted me I would have done that day!! How can an organization like Chrysler Capital ruin the credit of a cosigner on a loan without giving them the opportunity make the payment or dispute the charges!!! How can the credit bureaus take what they say as the XXXX truth. Help..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-29 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Please delete this account from my report on all XXXX credit bureaus. This account has been paid since XXXX 2016 and shows inaccurate information reported there after in my credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Filings and Claims Inc.
State: OH

Complaint narrative:
Stated that they were going to subpoena me at my home or job and if I was not there they were going to give me a bench warrant.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Santander Consumer USA Holdings Inc.
State: OK

Complaint narrative:
this item is listed as " charged off '' and I would like the negative issue removed from my credit report please

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I made a payment through my credit card company XXXX via balance transfer on or before XX/XX/2017 in the amount of {$500.00}. My auto loan company SANTANDER CONSUMER USA, has failed to post the payment. I have contacted them several times to request that the payment be processed as I have an electronic statement from XXXX that the transfer was successful. Its XX/XX/2017 and no payment is posted. SANATANDER states that it takes 3-5 business days to post payments. Still no payment 5 business days later.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
My husband and I purchased a loan in XXXX ... a XXXX XXXX XXXX. The car was with XXXX XXXX. Since XXXX, we have paid XXXX payments totaling {$11000.00}. I received a bill that listed my balance as {$13000.00}. I called Santander Consumer USA and was told my loan accrues daily simple interest and the payments I 've made towards the car was applied to interest. I still have XXXX payments to make on this car ... .this is disgusting!!!!! We are minorities that were desperate and needed a vehicle and were never told of the daily simple interest at the origination of this loan. I am convinced that this is a violation and NO ONE should be able to treat hard working Americans this way. We were treated like this knowing we had limited income and a poor score. This is taking advantage of borrowers.

Company response to consumer: Closed with explanation