vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-07 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I opened a Citi Gold Checking account during a promotion that Citi was running to give a XXXX ThankYou points for new members who signed up with promotion code XXXX and satisfied several terms. I confirmed via secure message to Citi on their site that the account was set up properly with promotion attached on XXXX/XXXX/XXXX. After completing the requirements, I confirmed via secure message that the account had the promotion attached still and I had successfully satisfied the terms of the promotion. Citi was able to research and confirm all of these things and stated there was a waiting period of a maximum of 90 days for the promotional points to post to my account for use. Starting with the last day possible for the points to post, XXXX/XXXX/XXXX I followed up with Citi via secure message to ensure everything was good and the points were going to pose. I was again assured the points were going to post but they never actually did. I followed up multiple times and received responses on the following dates all assuring me the points were going to post : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. In addition to the correspondences via secure message, I received 2 " E-communication '' letters on XX/XX/XXXX and XX/XX/XXXX assuring me the points were going to post. A familiar refrain of all of these communications was something to the effect of " Well the points should have posted already so we went ahead and posted them again but now you just have to wait another 30 days. '' over and over and over again for the past 6 months that I have been waiting since completing the promotion in accordance with Citi 's terms. During this wait, I have been charged {$42.00} in monthly service charges on the checking account and I ca n't help but wonder if the prolonged nature of the resolution to this issue has something to do with the amount of money collected in monthly service charges.

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 2016-08-02 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
My credit card is Citi bank, In the end of XXXX and very beginning of XXXX 2016 I had {$2000.00} dollars paid off to totally what I owed to my credit card ( over XXXX XXXX dollars, a lot of money ). 
On XXXX XXXX I found out they charged me {$27.00} dollars for interest although I already paid off. I called them and a lady representative of Citi told me " You do n't have to worry about it anymore '' Then on XXXX XXXX they raised it up to {$38.00} dollars as claiming what I " owe '' them. I called them again, they said they 'd schedule me a callback from the supervisor, but they never called back. 
The Citi bank unfairly treated me and lied to me not just once.

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 2016-05-28 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 opened a CitiGold account with an opening bonus of XXXX Thankyou points. But they refuse to issue the bonus to me when I meet with all requirements.

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 2015-08-05 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I have a line of credit with Macy 's and pay my bill online through Macy 's website. For the last XXXX payments, their website confirmed my payment was made and accepted. Time passes and I am notified by Macy 's that I never made my payment. Just like all prior payments, exactly the same way with no issues until within the last few months, this started happening. I would have had no idea I never made my payment. What happened after that is the XXXX big issue. They immediately reported me to the credit bureaus, reduced my credit limit and started calling me treating as though I was a criminal. I contacted them after the first time and said I made my payment your website accepted it and somehow it just disappears? They ultimately reversed the late charge, and increased my credit limit. Here I am again, make the payment online and they then contact me again, calling me, said I never made my payment, tacked on another late fee, reported me to the Credit bureau, reduced my credit limit again. I called them again, gave them the payment information and told them your website is accepting payments, confirming and then they disappear, there is a very bad problem with your website. I made my payment over the phone and they back out the late payment again. Subsequent to the last contact, within a matter of 10 days, they added another late fee ( and no payment was due ). I contacted them and have proof of my balance, I then paid off the account over the phone with the rep. and requested a zero balance letter, and confirmation. They took the money out of my draft account and now are billing again after paying off my balance. They have caused harm to my credit report XXXX times times when I actually made these payments, they continue to add fee 's that are not warranted. They accepted payment for the full balance on account and generated another bill with a balance after it was paid off, they need to be investigated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I do not believe I owed what the creditor says I owed. To my best of knowledge, I had never received anyone who contacted me about an unpaid balance. I do not recall this debt, and as a result this debt may have been fraudulently conceived. I respectfully ask that you provide me with the following documents to verify that I in fact, owe this debt. 
1. A written contract between the original Creditor and myself, that was signed by me. 
2. All monthly billing statements that show the location of purchases or balance transfers and the amount of each, that lead to the calculation of the balance you claim I owe.. 
3. Proof that you have the legal ability to collect debt in my state of Florida. 
4 Proof that you own this debt. 
5. Copies of any payments that were alleged to be made by me, or someone i authorized. 
6. Copies of receipts which shows my signature, or the signature of an alleged authorized user. 


Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that : * Because I have disputed this debt in writing within 30 days of receipt of your dunning notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense ; * You can not add interest or fees except those allowed by the original contract or state law. 
*You do not have to respond to this dispute but if you do, any attempt to collect this debt without validating it, violates the FDCPA ; I asked for the company to verified the debt they sent back a letter that says XXXX XXXX XXXX that is not my name my name is XXXX XXXX XXXX XXXX 

I thank you in advance as I try to take the appropriate steps to separate my good name from possible fraudulent debts. 

Thank, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
Over the past two months, I have been charged a Credit Life Insurance ( XXXX ) fee on my Macy 's American Express credit card. I did not authorize or enroll in this product. It appears Department Stores National Bank ( card issuer ) may be enrolling cardholders without their knowledge or consent. On XXXX XXXX, I contacted XXXX @ ( XXXX ) XXXX to request a copy of the sign enrollment form and to cancel this policy.

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: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
In XX/XX/XXXX, I discovered my Citibank card had been hacked. I went online to pay my bill, and discovered a huge balance. I called immediately. I was told the account would be closed and I needed to pay the balance in full, including recent charges that had not shown up on a statement yet. I paid in full the amount I was given. The account was closed and a new one opened. 
I received a statement for the new account with a balance of $ XXXX, although I had not used the account since I had paid it off. I called many, many times to try to find out where the balance came from - no one could give me an answer. Month after month after month I received harassing phone calls and letters, and they continued to send me statements with late fees and interest. I refused to pay until they could tell me where the original balance came from. Long story short, it took from XX/XX/XXXX to XX/XX/XXXX, with much correspondence with the XXXX ( complaint # XXXX ), for them to FINALLY show me what the charge was for. Turns out the charge was legitimately mine - I was told it hit the old account the same night it was closed, thus did not show up when I was given my final balance, but did carry over to the new account. I had no problem whatsoever paying the $ XXXX ( and did so immediately ), but no way was I going to pay late fees and interest when it was them that could not provide the information I needed to begin with. They did remove the interest and late fees as a 'courtesy '. 
I later discovered when I checked my credit score online that they have dinged my other-than-this-perfect credit report with a 'missed payment '. I have appealed to them XXXX to have it removed, but they claim since it was not a 'bank error ' the ding remains. My stance is while they may not consider it their 'error ', it certainly was their inability/unwillingness to provide the information I required for ten months that caused all this, and is absolutely in no way, shape, or form the result of any fault on my part. Quite the opposite - I tried for almost a year to resolve the issue with no cooperation whatsoever from them, only harassment. 
Thank you for your help with this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
XXXX XXXX has reported false information. They have illegally re-aged this debt. The original debt from HSBC Bank was scheduled to continue on record until XX/XX/XXXX and they re-aged it to XX/XX/XXXX. 

I am reporting them for giving false information to XXXX. I received no court summons, and I made no payments or arrangements with XXXX XXXX or HSBC Bank. I made absolutely no deals with them or any others for that matter. I had no money, no life, no job, nothing. I have n't even been in the same state. On top of that I am reporting them b/c they re-aged the debt so that it appears on the credit report to continue until XXXX. XXXXIt is my amatuer understanding that it is completely illegal to re-age an unsecured credit card debt especially with the debtor having no knowledge of it. 

I would also like to report to CFPB to notice it says original creditor HSBC Bank Nevada when in truth it is just HSBC Bank. Are they both the same or is that just another scheme. 

ThanksXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX is attempting to collect a debt for XXXX originally from HSBC that is not mine. I challenge that I owe this debt and request proof that I actually incurred this debt, not simply proof that a collection agency owns it. Furthermore, for this debt to hypothetically be mine, it would have been first delinquent in XXXX 2008. This places the debt outside the 6 year statute to be collected on, and past the 7 year limit on being reportable to credit bureaus. Collecting or reporting in this debt is a violation of my consumer rights and the FCRA, as well as the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
under XXXX has charged me {$88.00} for nothing provided to me.Theybill it as a rewards benefit -- various fees etc.First bill was for XXXX the next for XXXX which incuded {$16.00} for a r4eturned item. I requestted them to cancel my card -- instead they are piling late fees and have ruined my credit

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-21 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I saw the Citibank thank you preferred card ad a couple months ago about the offer that I can get XXXX bonus point when I spend {$1500.00} within first 3 months if I did n't close an old thank you card account within XXXX. This is my very first credit with citibank so I went ahead and applied for it, I got approved, spent a couple thousands. Only later I found out the offer was n't applied to my account, so I called them asking about it, the manager I talked to said she will be able to help me to put this offer back into my account and will call me back when this is done. I waited for a month and a half, never heard back from her. So I decided to call in again today, I spoke with another manager and he offered me XXXX points instead of XXXX which I was supposed to get. That is XX/XX/XXXX of what I was offered.

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 2016-04-26 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: HOVG, LLC
State: TX

Complaint narrative:
I had a hospital bill for XXXX dollars. I am currently paying them directly. A collection agency is saying I owe XXXX for the same debt and that it is the principal amount not the interest. They are lying and trying to collect money when I paid the original debt and for far more than owed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25 00:00:00
Product: Credit card — 
Issue: Bankruptcy — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Macy reports false data to my credit report on XXXX and it is reported twice as a duplicate.. below is the history of the report, my Macys account was included in bankruptcy and should not have been reported, also date of 1st reported late payments keeps changing to favor the grantor. 

this report should be deleted in accordance with FTC rules for fair credit reporting same account being reported twice is Confirmation # Status Dispute Date Completion Date Results XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Mailed XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Expired XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Expired XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Expired XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Expired XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Expired XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Expired XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Expired XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Expired XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Expired XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Expired XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Mailed XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Mailed XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Expired XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 N/A XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Mailed XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Viewed XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Expired

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 2015-05-05 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I acquired a Macy 's card in XX/XX/XXXX of XXXX, in XX/XX/XXXX XXXX I joined the XXXX XXXX and I 'm currently serving at XXXX XXXX NY. As a member of the XXXX my interest rate on my card should be 6 % or less, because of the ( SCRA ) Service Member Civil Relief Act, but it 's currently 24 %. In XX/XX/XXXX of XXXX I contacted Macy 's explaining the matter to them and send all the necessary paper work showing that I was in the XXXX for the past XXXX years. Since then I contacted Macy 's, and was given the run around, even to have the phone hung up XXXX of the times I called. Finally, they told me that it will take XXXX billing cycles to fix the matter, up until now, nothing have happen, no phone calls like they said or even a letter in the mail. I 'm financially struggling and need help in fixing this problem.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
I have had a loan with Santander ( A PREDATORY AUTOMOBILE LENDER ) since XX/XX/XXXX. It is now currently XX/XX/XXXX. The amount initially financed is currently the amount owed plus. ( at least XXXX is still owed ) I have made close to 30 plus payments and all of my payments are going to interest. I have had extensions, i have a due date change, i have paid late, i have paid current, i have paid on time, i have paid before time, i even split the payment up in half and still had the payment in on time. Nothing i do is making the principle balance go down. I work for Sandtanders competitor and i see accounts on a daily basis that have a pay history that is worse than mine, more extensions, higher apr and per diem and their principle balances are going down with every payment. I have had to recent complaints with Santander and each time nothing is explained. the only thing they want to explain to me is simple interest finance, and i understand SIF i work with it, however they way this company has me in the loan i will pay off this loan 3 times in a half before its paid off, if i make two more payments i will had paid the vehicle off one time. This is a predatory loan, no one can give me an amortization schedule informing me if i pay on time this amount should go to principle and this amount she go to interest, no on can give me this information, again all they will explain is interest. Something is not right, its not fair, i am doing what i am supposed to do. my payment each month is round off XXXX, the last time i spoke to an agent she inform me that i would need to pay XXXX $ plus some more to bring me current, yet when i logged into the system i was current. I was informed that i have to pay my regular payment, plus i need to pay the interest that has accrued within the month that i was n't even due. I am being penalized daily for being on time, with the amount of interest that is accruing by the time my payment is due my car payment would need to be increased. I am tired of speaking to people that state they understand my concern yet will not do anything to see why these payments are not being allocated properly. When i drove off the lot, i had no idea how this loan would work, i thought if i made my payments on time, make extra payments, pay before time, the principle would decrease. Even with the extensions and due date that should have been moved to the end of the loan my payments should be decreasing. I need someone to look into this and see what the problem is. because i am not getting any results from Santander.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: Flagstar Bank, National Association
State: FL

Complaint narrative:
Money Market Account with Ny Community Savings - withdrew remaining balance and brought account to XXXX. Requested account closure via telephone 6 times, to no avail. Bank then charges series of minimum balance fees on a XXXX balance account. Bank credits {$1.00} in interest earned on prior balance. Instead of crediting my checking account with the interest and closing money market the bank waives one of the fees, charges more fees putting the account into overdraft for {$28.00} and conducts an unauthorized EFT from my checking account for the {$28.00} to pay their fees. This is an unfair practice that aims to increase fee revenue at the expense of the consumer. The account was at a XXXX balance and the bank posted {$1.00} interest. There is no clear justification to begin billing low balance fees on a XXXX or residual interest balance. Stop this practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I have a car loan with Santander Consumer USA, and recently realized that they have been applying over payments to fees and charges, instead of principal as I have requested. I specifically called in and asked them to apply the payments to principal and was told different things by different reps. Most reps told me that the system did n't allow it, and if I wanted to make a principal specific payment, I had to do it separately. My contract only states how normal monthly payments are applied, and does n't state how overages are applied, so it does n't even address this is the contract. I have spoken with several departments, and just got off the phone with a rep in the " office of the president '' ( last escalation department? ) and was still unable to get it resolved. I would like the accounting department to go back and reapply my overage payments to principal, not interest, from the beginning of the loan, and fix their system so it provides the capability to do that in the future for all of their customers. 
Thank you, XXXX

Company response to consumer: Closed with explanation