vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-27 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XXXX XXXX, XXXX - My credit card was charged {$6100.00} in fraudulent purchases at XXXX ( approximately XXXX fraud charges ). I immediately notified the credit card company ; the card was closed and I was told a fraud affidavit would be forthcoming. It took n additional follow up calls and weeks later for me to receive the fraud affidavit. I have since executed XXXX affidavits and sent them to Macy 's XXXX XXXX fraud department on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I have made numerous calls to the Macy 's XXXX XXXX for status of the fraud claim, to date no one has been able to provide me with a status. Meanwhile, I am being reported as delinquent to the credit reporting agencies. Please note Macy 's XXXX XXXX billing statement states, " We can not try to collect the amount in question or report you as delinquent on that amount. '' They are clearly breaching the credit agreement by reporting me as delinquent. My last attempt for status was today, XXXX/XXXX/XXXX - no one was able to provide me with a status of my fraud claim. Nor are they able to stop the delinquent reporting to the credit agency.

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 2016-08-29 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I opened an account with Citibank to consolidate my debt and take advantage of a 0 % rate. I set up the account and ask for no emails. 
They have started sending " hello, you have an account with us '' emails. The clerk says, if they have my email, they will be sending this email every month. 
It has no " unsubscribe '' link and she ca n't unsubscribe me either, unless she deletes my email from their data base. I want them to have my email, in case they have something of importance to say, but I wish to be left alone otherwise. 
Can you require them to leave me alone? 

Then, second, she has no way to forward a complaint to the corner office! I have to send a snail (! ) mail complaint to the following address Citibank XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX I find this rude, contemptuous, and mean-spirited. 
thank you.

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 2015-10-11 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE
State: IN

Complaint narrative:
I was in XXXX and needed to obtain XXXX. Due to problems with being required to have a pin to use a Credit card in the automats the banks operate in the XXXX area ( XXXX XXXX XXXX region ), it was suggested that I use Western Union XXXX WU XXXX. So I went to the local XXXX XXXX and talked with them. This led me to going online to the WU site and getting it to " US English '' ( Regional issue based on IP addresses ... ). I was involved with them via a chat session and it was explained to me what I had to do and that it would be possible to effect this within an hour or so. 

The first step was to register, which I did. The next steps required I identify my bank ( XXXX/account # XXXX, provide verifiable ID ( DL # in this case, & my address ... ). 

With that done, the next step is to do the transfer. So I specified how much I wanted in XXXX ( XXXX XXXX XXXX and set it up for an in-person pickup at the local XXXX XXXX office. I would be required to use my XXXX ID to pick up the moneys XXXX. However, they kept failing the transaction for some odd to me security reason XXXX the reason was inspecific, but some security problem that appeared to be with my bank ). 

I had to then call my bank to find out what security problems were involved, and they told me that WU had not contacted them XXXX security department XXXX to validate my account. Granted, this would have been about XXXX XXXX, but the Fraud and Security departments are manned by Bank XXXX at that time. 

So then I called WU directly and there I was told that you ca n't do what I am trying to do, pull money from my Bank XXXX and send the funds to me in XXXX -- Even though they had told me earlier exactly how to do this whole process, and their web site says that this can be done. 

The problem that started this is, in the XXXX area, the various banks have pulled the ability of tellers to handle Credit Cards by taking an image and then obtaining a signature. We would have to drive over to XXXX a large city XXXX to get this done. But I needed to take care of my Hotel suite bill first.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I 've been a Best Buy card member since XXXX. I always pay my bills on time and even pay more than minimum monthly payment. As of XXXX/XXXX/XXXX they reduced my credit limit from {$2100.00} to {$1300.00}. When I called to inquiry about the recent change XXXX XXXX, new applicant specialist, informed me due my credit report the company must reduce my credit limit. I explained to her the items are currently being disputed and her response was that does not matter. Best buy can not reverse decisions made. This is poor customer service and demonstrates best buy do not value good card members. Furthermore Best buy has failed to inform me of changes to conditions and terms.

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 2016-07-14 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My XXXX XXXX Costco card account was transitioned to Citi. Unfortunately I was locked out of my online banking and unable to resolve the issue on my own and forced to call into customer service. My wait time was well over an hour, and the issue is still not resolved. Many times I have been told that the account lockout was removed but turns out that they were incorrect and I 've had to call back multiple times, again having to wait on hold for inordinate amounts of time ( minimum 20+ mins ). It 's also very frustrating having to wait for an automated system to regurgitate my account information before even allowing me to choose why am I contacting them in the first place. 

Extremely disappointed that Costco went from a quality customer service provider like XXXX XXXX to this. 

Literally just had a customer service rep tell me that there was no lockout or blocked access to my account, while their website says blocked access with reference to Error Code XXXX. 

Losing hours of my time for a remarkably simple issue as resetting a password is giving me a horrible first impression of this company.

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 2015-06-17 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have a Banamex USA credit card. I recently called the company to complain about my credit card strip not working. In addition, I also spoke about difficulty with my pin not working. I was mailed a new card but I am unable to use it. I 've called the company numerous times during regular business hours and I get a recording that tells me to call back during business hours. My concern is that they are unresponsive and they have access to my bank account information ( monthly payments ). I 've called and I 've emailed Banamex USA ; I do n't know what to do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: LDF Holdings, LLC
State: IN

Complaint narrative:
I was in need of money and I decided to get a payday loan, but I made the mistake of doing it online. I got matched with multiple lenders and they called me in the first stage with what they had to offer. I renewed a little later again with them since I almost lost all my money paying it back to them. So, now I am short of money again and I re-borrowed. The interest rates they have and the number of loans are prohibited by the State of Indiana. Also, these loans and their companies are illegal and not licensed in State of Indiana. I talked with Department of Financial Institutions ( DFI ). They said these are illegal practices. They suggested I close my bank accounts and call out these lenders who get people sucked into traps like this when they can not actually even offer or enforce these based on the State Laws. DFI suggested that I log a complaint against such institution here at cfpb Lendgreen : {$1000.00} https : //www.lendgreen.com/

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-28 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: NM

Complaint narrative:
I sent payment to Sears Credit card this past XXXX XXXX in the amount of {$200.00}, when I saw that payment had not been posted to my account on following statement I called Sears Credit card and spoke to a customer service representative, Since I sent a XXXX XXXX money order I submitted a trace and received a response that payment was received. I contacted Sears again and spoke to someone and stated that I submitted a copy of Money order trace, the person that I spoke to put me on hold and told me that yes they had located my money order and that my payment would be credited to my account shortly, several weeks lapsed before I called again and was told by a customer service representative that my payment would post the following Monday, a few days away ( this was about a month ago ). I then called last week and spoke to a customer service representative and she stated that payment had not been received, that she would refer my issue to the billing investigative department, I 'm back to square one. Sears Credit card has my payment but will not post my payment to my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-05 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: LDF Holdings, LLC
State: WA

Complaint narrative:
I have made my payment in full before the terms ended so that i would not have to be charge excessive fees for carrying out the loan to the full term and when i paid it i almost paid double from what was loaned which was {$600.00} and i ended up paying {$1000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Santander Consumer USA is reported false information to the XXXX major credit bureaus for an auto loan. They also breached the contract and wrongfully taken the auto before the first payment was ever due. In addition, they never returned the tendered payments and violated numerous laws, policies and codes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Leased a vehicle through chrysler capital XX/XX/XXXX. I moved forward with buying out the lease XX/XX/XXXX/XX/XX/XXXX, as my spouse was pregnant and this was the best decision for my family. My spouse and I worked with our credit union to buy out the lease. When the pay off amount was given to my spouse and our lienholdder, they both questioned Chrysler on several phone calls asking if the state sales tax was in fact included in the pay off amount. My spouse and lienholder were advised on three separate phone calls that the sales tax was included in the payoff amount so there was no need to pay the DMV directly. These phone calls are recorded and on record with my current lienholder. 

Fast forward to XX/XX/XXXX - the DMV is not allowing us to re-register my vehicle because the sales tax was not paid. We contacted my lienholder who stated this would 've been paid by Chrysler since the amount was sent in the pay off check to chrysler when the lease was bought out. We contact chrysler who stated they would look into it and get back to us within 72 hours. 10 days later, we still did not hear back, so we called chrysler again. Chrysler stated their procedure state That CA sales tax must be paid to the DMV by the individual. We escalated the call and requested that all calls be pulled as not only myself and wife, but my lienholder was advised the sales tax was included in the pay off amount. Chrysler stated they would research further, but it is not in their policy/procedure. 

My wife is currently out in XXXX leave, as she had a XXXX a few weeks ago. My registration is past due and the DMV is now charging a late fee. With XXXX income for the next few weeks, I am not sure if I can pay this out of pocket. This is a significant expense that I was advised was financed into the loan. 

I 'm not sure if I have a case here, but I 'm desperate to find out what my rights are. I am XXXX military and do not want my command or the military police to suspend my driving privledges on base due to an expired registration.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19 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 purchased a vehicle back in 2007 from XXXX XXXX in XXXX SC and had the original term set for 6 years, this loan was made with XXXX XXXX. payments were XXXX. Made payments on time and a few months later I received a notice that Santander Consumer bought my account. Well from that point forward I thought that the payments that I made to XXXX would roll over however it seem as if my contract started all over again with XXXX. Every month I would receive a notice that I was making my payments late and receiving late fees but in all reality I was sending the payments in on time but they were not being applied to my account. About a year ago my contract with XXXX had matured and they offer to renew it for 24months bc we had late fees on the account. So we did and the payments went down to XXXX however we had paid almost XXXX for the truck and the original contract with XXXX was only XXXX We are being rob by XXXX and we need help to see what they are doing. Now they are telling me the contract ends next month but we still owe XXXX on the truck. Credit bureau is reporting behind and I make a payment every month but the billing statement is saying we are behind with late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 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: TX

Complaint narrative:
The collector keeps calling my cell, my job, and my family. Claiming they are going to serve me papers at my home or place of employment. They are making threats and using different names. The call to my job was from XXXX XXXX Services, To my family they are identified at Fling Firm but from the same number

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07 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: CA

Complaint narrative:
I received a call at work by a debt collection agency, the person did not identify themselves. They launched right in to saying that I owed this debt and I needed to pay and if I did n't they could garnish my wages and would file a judgement against me. This is the XXXX time they called and I have previously told them I can not take personal calls at work. They claim to be collecting a debt by XXXX XXXX and he gave me an ID # and phone number to call back. He also stated that he had my social security number and bank account number and my work number was the only number they had to contact me at. Well if they have that much information my work number is not the only way they can contact me. I know my rights and I know they are violating the FDCPA. The person on the phone did n't even identify themselves by name or company, they just expected me to pay or were going to file a judgement and garnish my wages. I called the number he gave me after hours and the name of the company according to the automated system was Premier Recovery Group.

Company response to consumer: Closed
Consumer complaint received 2016-01-11 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: Synovus Bank
State: MI

Complaint narrative:
I paid my credit card bill on time and it is showing that I am 60 days past due causing my score to plummet XXXX points on Equifax. Please update as this is negatively impacting my credit. I even have paid a premium using XXXX XXXX to pay or check by phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 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 started a loan with Santander Consumer USA XX/XX/XXXX. My loan was for {$13000.00} with a {$2000.00} down payment ( {$1000.00} in cash and {$1000.00} trade in for my Dodge Durango ). My loan was for 72 months @ 22 % interest with final payment being around {$24000.00}. Each time I 've hit into a hardship due to loss of income they were asked to work with me. I 've always caught up payments that I 'd be behind on and each year at tax time I would pay what was owed plus extra so I could be a month or two ahead. I would be told yes it was showing that I was ahead but by the next payment due I would be told I was a month behind. XXXX XXXX they put my car as a charge off on my credit report with amount owed being {$9900.00}, XX/XX/XXXX they sent a repo company out to get my car. The repo company came and took my car out of my garage and refused to show me the repo papers they had ( illegal ). I paid over {$3000.00} to get my car back to have them send repo again XXXX/XXXX/XXXX from my work. Again this repo company would not show me papers. I paid {$1100.00} to get my car back and that company had the release papers for my car before they returned to their lot with my car yet they slim jimmed my driver door damaging my stripping to bag and tag my stuff ( they had release so why bag and tag my stuff? ). Car company said XXXX XXXX my payoff amount was at {$10000.00} yet XXXX/XXXX/XXXX my payoff is {$11000.00} ( how does amount go up if you pay on it? ). I have asked the company numerous times to refinance my loan so I could get a lower interest rate and payment so I could stay caught up, they told me they do n't do refinancing. I asked them to fix my credit report so it shows car is paid up to date and not a charge off and they told me they ca n't do that. If my car was charged off then how am I able to still pay on it and pay same account instead of paying a collection agency? I have paid {$18000.00} on a {$13000.00} loan amount financed with end payment being {$24000.00}. How can I still owe {$9900.00} on a loan that 's stated as a charge off at {$9900.00} when I should n't owe that amount? Company calls me 3-5 times a day everyday they do not receive a payment whether I 've talked to someone already or not and continue to until they get a payment. Notes are incorrectly put in or not put in it seems. I 'm so frustrated with this and I ca n't even get another company to refinance my car due to what Santander has done to my credit report. I would love more than anything for Santander Consumer USA to send me the title to my car and fix my credit report stating paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: WA

Complaint narrative:
I was in a car accident and was dealing with both my primary autoinsurance company and my GAP insurance. My primary paid a lump sumamount with a remaining balance of less than {$900.00}.. I was in discussions wwith my GAP insurance and had told all of this to the lender of my car. 
They had said to make a certain amount of payments.. one was approx. 
{$140.00} one month and then next month was {$200.00}. I was told that bydoing this, my account would stay in good standing while I worked outmy issue with the secondary insurance company. Each time indiscussion with Santander I made sure that by making these partialpayments my account would remain in good standing and notaffect my credit. Each time I was reassured that there would be noaffect on my credit and my account would remain in excellent standing. 
Now, after all is said and done, my account did not remain in goodstanding and my credit was affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: MI

Complaint narrative:
we have a motor home account thru Santander Consumer USA. Our payment was due XXXX. I called their customer service on Monday XXXX and stated we had not recieved an statment/bill. They stated the statements are generated on the XXXX of the month. No date when they are really mailed. As a rule we recive the bill 1 week or less before it is due. There is no postmark on the envelope, so we can see when it is mailed. I believe there is a minimum time set by the government or banking industry to prevent this problem. Should n't a person have more time? Please Help

Company response to consumer: Closed with explanation