vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-17 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I am respectfully requesting that Ally Banks processes be verified in regards to discriminating against lawful residents that are not U.S Citizens. I have experience discrimination in several degrees throughout the process of applying for accounts and a credit card with Ally Bank. I have never experiences any issue with other banks as my credit report portrays me as a reliable borrower, however, Ally Bank requested verification documents to prove my identity. After I sent my non-american passport along with documents proving that I am a U.S resident and bank account statements, Ally Bank still rejected my application. Every time I have reached out to have the situation analyzed, they have simply submitted my application for reconsideration without any updates or changes to their decision. I have been made very upset when agents would state that Ally Bank is an agency for U.S citizens alone as a I know that should not be the case. 

If you have any information that may be helpful to me, I would appreciate it very much. 


XXXX, XXXX XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: GREAT LAKES

Complaint narrative:
I had all my student loan information and online login registered to an employer email and phone number at the time. I had changed employers and was not receiving any of the calls or emails regarding my account. once I realized I did some research and called in to get things taken care of. when I spoke to the loan company I was told if I put my account on a forbearance it would bring my account current and not report any late to the credit bureau. now on my credit report it reports as 120 days late and causing me to not be able to get the mortgage loan I need to provide a home for my family. I called the loan company again to complain about this and they tell me there is nothing that can be done. I spoke to the credit assessment department and a loan manager. everyone says that I was 120 days late and I never was. my account has since been pain in full and still no one will adjust the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
TD Bank continues with it 's deceptive overdraft fee practices. There 's no reason why an account needs to be delayed with charges from my debit account. When I charge something at a store, the store will decline if there 's not enough money in there. If I do a point of sale purchase, the money should come out immediately. TD bank delays the actual posting so that if a larger charge comes through later, they can charge a {$35.00} per item fee. TD bank has charged me thousands of dollars of OD fees and most are for charges less then {$10.00}. How is it fair that they can charge {$35.00} for any overdraft amount, even less then {$1.00}. I have asked them several times to update my account so that charges go in the order they 're made however TD Bank has stated they thought the larger charges were more important to the customer - that should not be up to the bank. I also noticed that my account started getting charged for business fees and come to find out that my account is a business account. I emailed them stating I never opened a business account that my account was a personal checking account and that they should correct that and reimburse me all the fees charged for the business account, however they did not respond and continue to charge me these fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-05 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
XXXX XXXX XXXX has taken legal action without attempting to agree on payment plan or settlement agreement. I have requested to speak to the person in charge of wage garnishments and I have been ignored. Plus, I have been threatened to pay the bill in full without a chance to reverse the wage garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-12 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Macy 's American Express credit card is reluctant to credit Macy 's Worrynomore voucher in the amount of {$220.00}. The voucher was issued on XXXX/XXXX/15 by Macy 's as reimbursement for not using the furniture protection plan and has to be used only towards the purchase of furniture, it expires in 90 days from the issue date. I purchased the furniture from Macy 's over the phone and was told that the voucher would be credited before the XXXX statement. As per worrynomore program, the voucher was redeemed on XXXX/XXXX/15, but never credited to my account. The furniture was delovered on XXXX/XXXX/15. I called Macy 's worrynomore program and credit card customer service multiple times since the purchase in attempt to get the voucher credited towards the purchase, I also filled out the dispute of charge form. I was told to fax the voucher to Macy 's, and I did so to several different numbers provided by different customer service reps ; but no result. The reps refuse to provide their names or ID numbers, and refuse to connect to supervisors. Last time I was tols it takes 30 days to process the voucher, but today is over this limit, and the credit not applied. It seems to me that the Macy 's worrynomore is a consumer scam to inflate the furniture price and to trick into purchasing " refundable '' protection plan. 
The Macy 's customer service never responded to my multiple e-mails. 
Every phone call takes no less than XXXX min ; I have no choice but to request your help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-04 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I placed a call to Macy 's on XXXX XXXX in an attempt to make a payment. The associate told me that Macy 's was undergoing maintenance at the time. I tried to leave my information with the associate to input once the system was running again. This request was declined. I stated a concern about a late fee, due to Macy 's inability to process a payment. I was assured that this would not be an issue, as it well known that the system is undergoing an overhaul. 

I received a bill in the mail with a {$27.00} late fee included. I called to make my regular payment and dispute the late fee. When I spoke to associate XXXX XXXX, he refused to discuss the matter until I paid the misapplied late fee. I asked him multiple times to speak to a supervisor, and he denied my request each time. 

I called back and got through to Supervisor XXXX XXXX. She insisted that the conversation that I had on XXXX XXXX was with an automated message, not an associate. I told her that I indeed spoke with an associate, and I relayed the information that the associate provided. 

I have already set up autopay, and I have no issue making all of my payments. However, the late fee is a direct result of Macy 's being unable to process the payment XXXX XXXX, 2015. My credit rating is very high because I honor my payments. This {$27.00} late fee should have never been applied, and I am requesting that it be removed immediately. 

Thank you, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-21 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I have contacted XXXX many times to dispute this Macy 's account that had been fraudulently compromised many years ago. I have not had any success in getting this fraudulent account removed from my credit file. I have reported that this account was stolen a few years ago. I need your help in getting this account remove from my credit file. Not to mention, my identity was stolen along with the accounts being compromised.

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 2016-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: ZENCO COLLECTION, LLC
State: WA

Complaint narrative:
The company called my cell phone. They did not identify themselves as a debt collector, or that the call was regarding the collection of a debt. 

They said that it was a legal matter that was attached to my social security number, and that they were going to be taking it in front of a judge in XXXX XXXX, FL, where they claimed they were at. He also claimed that XXXX XXXX, was working with them, and that was why they could send out police here in WA. XXXX XXXX threatened to have the police come out to our house, and that I would end up with a felony on my record. 

When we tried to inform XXXX XXXX not to call us anymore, and that he could send us anything he liked via XXXX Mail, he repeatedly talked over us, and began to yell. At this point we hung up on him. He then proceeded to call back XXXX additional times, and continued being belligerent, yelling and at one point he told someone " they do n't know what they did, she 'll end up with a felony ''. He seemed to be speaking to someone else where he was and had n't realized that the phone had been answered. 

We called them back, to get specific information on exactly what account and who the account was with. When they answered the phone they made it seem like we had reached some type of law firm. We were then transferred to someone who claimed to be a supervisor. Her name was XXXX and she said her badge id was # XXXX. XXXX XXXX said the debt was from Household finance, while XXXX said it was from XXXX XXXX, from 2005. No account numbers were given. 

When I informed XXXX that I was not working, and that we did n't have any money, she said " Well your husband can pay for it. '' When informed that he is on XXXX, she said " Well we are not trying to go after someone 's social security. '' Then she asked us about how we paid our rent, and when told we were moving, she then hung up, without " goodbye '' or anything. 

This debt does NOT appear on my credit report, and I haven't't used the name XXXX since 2005 XXXX when I was divorced.

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 2016-12-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
My name is XXXX XXXX I have a mortgage with Citi mortgage account # is XXXX for a house on XXXX XXXX XXXX XXXX md XXXX. 
" We are pursuing a short sale and have a good solid offer close to the lender 's valuation. We have submitted the offer to the bank but they are not responding to our inquiries on the pending value dispute ( we have tried to contact them at least 8 times without response ). We feel as though the lender is acting in bad faith by engaging in lender delay to frustrate the sale. '' We just where trying to do the right thing but feel like citimortgage is not. Please help us look in on this please. XXXX 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 explanation
Consumer complaint received 2016-01-21 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I can no longer pay my bills or check any of my accounts online with Citibank. 

On Tuesday, XXXX XXXX, 2016, I went to the Citibank website to pay bills. I received a message " Time to Update Your Browser. '' My browsers are updated to the highest version my computer hardware allows. I have no way to get to my Citibank accounts. 

After much digging, I learned that Citibank updated their software the previous weekend. They did not provide a backup plan for account access by customers with older computers. There was no notice before or after this change. Citibank denied knowledge or involvement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ASTA FUNDING INC.
State: NY

Complaint narrative:
This company Palisades collection is suing me for {$4700.00} this Debt is from XXXX/XXXX/2008 the statute of limitation for nys is 6 years This Debt is over 8 years old they never contacted me on this matter until i got a summons telling me they are going to take income execution on my wages. I have read that under the FTC and NYXXXX statute of limitation is 6 years in NYXXXX. I was never contacted about going to court on this matter or would have and fought this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
there is a derogatory Macy 's account in my credit report that does not belong to me. I have a current Macy 's account that is up to date on payments and has been that way for over 20 years. I need this to be cleared so that it reflects my actual information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-12 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I applied for a student credit card and was denied. I only have ( XXXX ) bad thing that has been on my report for 6 years and I was denied and I think it 's for credit discrimination. Everything else on my credit report is good and in great standing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
XXXX XXXX owns a debt from Citi Financial in my name. I beleive XXXX XXXX " relied on misleading, robo signed court filings to churn out lawsuits '' - CFPB Takes Action Against The XXXX Largest Debt Buyers For Using Deceptive Tactics To Collect Bad Debt. Published XXXX XXXX, 2015. This bad debt has been sold 3 times since from the original creditor ( CitiFinancial ). I also beleive that XXXX XXXX " misrepresented their intention to prove debts they sued customers over. " CFPB publication. Filing a debt collection lawsuit with out meaningful attorney reveiw, unlawfully misrepresents the attorney 's involvement in the case. I beleive the Certificate of Conformity submitted as evidence, by Attorney XXXX XXXX was " robo signed '' and that this bad debt was never properly validated with the original contract, my signature and account statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-08 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank is NOT fulfilling the terms of their promotion for new CitiGold clients who are also Citi Thank You credit card holders. In this promotion, Citi Thank You credit card holders were promised XXXX Thank You points for opening a new CitiGold checking account. The terms of the promotion were that, in order to receive the Thank You points, the new CitiGold clients were to do 2 online bill payments in the 2 consecutive months following the opening of the account. The Thank You points would be credited to the new account 90 days after the statement in which the terms were fulfilled. I have now spent 4 phone calls, 2 secure messages, one online chat, and two letters asking Citibank to credit my account with the XXXX Thank You points. The result of all my requests was that Citibank sent me two generic form letters of which each had precisely the same words. Citibank refused to credit my account with the XXXX Thank You points because " Unfortunately, there was not an ThankYou ( R ) Points promotion offered in conjunction with the opening of your account. '' Very significantly, this statement blatantly contradicts a secure message that I received from a CitiGold Customer Service Agent. A few days after I opened the new CitiGold account, a CitiGold Customer Service Agent _explicitly_confirmed_, _in_writing_, that attached to my account was the promotional code for the XXXX Thank You points. Moreover, the CitiGold Customer Service Agent _explicitly_confirmed_, _in_writing_, that, " The bonus Thank You points will be credited by Citibank to your Thank You account 90 days from the end of the statement period in which you complete all offer requirements. '' Evidently, CitiGold 's own Customer Service Agent had _explicitly_confirmed_, _in_writing_, that the Thank You Points promotion was indeed offered in conjunction with the opening of my new account. I will be providing a copy of this secure message. Therefore, Citibank must credit my new CitiGold account with the XXXX Thank You points that were promised in their own promotion.

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 2016-05-03 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
My Best Buy credit card ( issued by CITI ) has been used for fraudulent purposes several times. Each time Best Buy/CITI has cancelled the card and started an investigation ( XXXX investigation of XXXX charges, totaling over {$2000.00}, is currently ongoing ). However, I do not think that Best Buy or CITI are adequately protecting my credit information/name/SS # and other identifying information. I think that CFPB should really step in and investigate Best Buy and CITI and their practices in collecting, storing, and protecting people 's identifying 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 2016-11-16 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: RI

Complaint narrative:
On my credit card 's benefits page, it says I should receive " Up to 2 % purchase APR reduction when you make a purchase, pay on time and stay under the credit limit XXXX billing months in a row XXXX 0.25 % per quarter, up to XXXX max ). '' I 've had the card for several years now and I am not aware of when this feature was ever activated. I 've reached out to Citi Cards for information and was told my card was not currently eligible for any reduction, nor could they provide me with when the feature was activated.

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 2015-06-18 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Citi Credit Card disputes keep sending me documents when they have not read the letter and emails I have sent them about this dispute with XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Citi Bank /Home depot credit card Charged a late fee multiple times when the due date fell on a Sunday, and the payment was received the next available business day. This is a violation of the fair and accurate credit collection act, and they have refused to correct the illegal action they have done by claiming payments can be made in stores 7 day a week. I believe Citi Bank has done this to many others, and make regular practice of being unfair and deceptive to consumers

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 2016-06-12 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Lending Club Corp
State: LA

Complaint narrative:
I was extended credit from The Lending Club through XXXX XXXX without my knowledge. The Dentist was performing procedures that we could not afford and I would never have approved had I known or been asked. He was performing these procedures on my wife without prior consultation to inform her what he was doing or how much it would cost.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-03 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Managing, opening, or closing account — 
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
This is about a gift card. 
The cfpd site says they should be good for 5 years?? 
Had this card for not even close to a year. It expired on XXXX. I called CITI on XXXX/XXXX/16 and they pretty much said, tough luck it is no good. 
Its not that is much $ , but the gift card was only some months old.

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