vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MD

Complaint narrative:
Nissan Motor Acceptance is trying to charge me for them having to hire a company to repo my vehicle which was n't done due to me paying off the balance that I was instructed to pay. Now a month later I get my bill and it have a miscellaneous charge of XXXX which they 're saying that I am deemed liable for according to my contact which I have read and it does n't state that anywhere on my paperwork. They put my vehicle up for repossession even after I spoke with a supervisor name XXXX and I told him what date I was going to have my full payment that would bring my account up to date. I was told one amount and since I paid the amount I was told that I paid the wrong amount that did n't include my late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I opened a credit card XXXX years ago with CITI. They promised to give me XXXX for every dollar I spent. About a month ago I got a letter from XXXX that they are shutting down my rewards account and taking away all my rewards claiming that I violated the terms of their program. I had over $ XXXX rewards worth {$4200.00}. 
I could have used a cashback card or any other rewards card to receive rewards/cash on my purchases. I continue to use the CITI business card for our business and we are losing money we could have received every month

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 2016-10-04 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Citi card made payment to XXXX XXXX car which I did not authorize. This is what happened. 
I took rental car from XXXX after confirmed reservation from XXXX XXXX insurance. At that time I provided Citi card to XXXX in order to pay charges I agreed with XXXX which is " customer pay XXXX ''. Copy of receipt from enterprise is attached. However, in between liberty mutual refused rental ; I 'm working with XXXX on that and Citi has nothing to do with that. Since my agreement with XXXX was to pay only XXXX, Citi was not supposed to pay what I did not auth. It appears Citi sided with the merchant.

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 2016-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
Keep receiving lettets stating I owe a creditor called XXXX XXXX XXXX and I have never even heard of them

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-26 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I HAVE XXXXCHASE CREDIT CARD AND ON XXXX/XXXX/XXXX I NOTICED AN UNAUTHORIZED CHARGE ON MY ACCOUNT FOR XXXX AT THAT TIME I CONTACTED CHASE TO HAVE THE CHARGE REMOVED WHICH THEY DID .THEN I RECEIVE MY STATEMENT FOR XXXX/XXXX/XXXX AND I NOTICE A CREDIT FOR XXXX SO I CONTACT CHASE CUSTOMER SERVICE ON XXXX/XXXX/XXXX AT XXXX AM AND I EXPLAIN THAT I HAVE A CREDIT THAT DOES NOT BELONG TO ME AND I WOULD LIKE IT REMOVED. THE CUSTOMER SERVICE REP TOLD ME THERE WAS NOTHING HE COULD DO AND THAT IT WAS AN ERROR BY XXXX AND THAT I WAS ENTITLED TO KEEP IT SO I SAID TO HIM THAT DOES NOT SOUND RIGHT HE SAID TO ME TO CONSIDER IT AN EARLY XXXX PRESENT FROM XXXX. I SAID TO HIM I AM NOT GOING TO ORDER ANYTHING MORE FROM XXXX SO HE TOLD ME THAT HE WOULD SEND ME A CHECK FOR XXXX ON MY XXXX/XXXX/XXXX STATEMENT I SEE THAT THE CREDIT IS REMOVED. NOW ON MY XXXX/XXXX/XXXX STATEMENT THERE IS A REBILL FOR XXXX SO I CALLED CUSTOMER SERVICE ON XXXX/XXXX/XXXX AND THEY SAID THERE IS NOTHING THEY COULD DO TO HELP ME .I ASKED THEM TO LISTEN TO THE RECORDING OF THE CALL ON XXXX/XXXX/XXXX THEY SAID THEY WOULD GET BACK TO ME AT A LATER DATE THE CHECK HAS ALREADY BEEN SPENT I DO NOT THINK IT IS RIGHT FOR CHASE TO TRY TO COLLECT ON THIS PAYMENT BECAUSE XXXX OF ITS EMPLOYEES TOLD ME I COULD KEEP IT.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-27 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
1 ) Using Citi 's online banking system I scheduled a payment to be processed on Saturday XXXX XXXX, 2016 to pay my XXXX statement in full for the amount of {$3900.00}, withdrawing the funds from my credit union. The funds were to be obtained on Monday XXXX XXXX, as Saturday was not a business day. 
2 ) On XXXX XXXX my dog died and I completely forgot to deposit the funds into my account. 
3 ) On Wednesday XXXX XXXX I realized I had made the error of not depositing enough money. I contacted Citi immediately by telephone and via the customer service representative I paid the XXXX statement in full from a different bank account, from a different bank ( not the credit union ). I thought I was doing the right thing by paying it in XXXX transaction and that by taking immediate action the debt would be resolved. I paid the XXXX statement amount in full : {$3900.00}, and my Citi account reflects that the payment was made that same day. 
4 ) Unfortunately the automatic system was not notified. On XXXX XXXX Citi 's automated system tried to withdraw the original transaction scheduled for XXXX XXXX once again, even though the statement had already been paid in full on XXXX XXXX. 
-I thought it was odd that Citi was trying to obtain the funds from my credit union since I had already paid the XXXX statement in full ; I went online and saw that when I made the payment by phone the funds actually went towards my XXXX statement, and that the XXXX statement was still in arrears. 
- I immediately spoke to a representative on the phone and he told me that it was impossible to cancel the automatic payment and that Citi would continue to try and obtain the funds from my credit union until XXXX XXXX. 
-Based on the information from the representative I immediately deposited {$3900.00} into my credit union account in anticipation that Citi would once again try to obtain the funds using the automated system. 
5 ) The evening of XXXX XXXX I received an email from Citi saying that the funds were returned as unpaid from the credit union account and that if the information was n't accurate I was to call Citi immediately at XXXX ( TTY/TDD : XXXX ). 
6 ) The morning of XXXX XXXX I phoned Citi to resolve the issue immediately ( again ) and paid by phone ( again ) the amount of {$3900.00}. 
7 ) One hour later I went to the grocery store to make a purchase and my Citi credit card was declined. 
8 ) I immediately phoned Citi and was informed that my account had been closed, even though I had just spoken one hour earlier to a representative and my account was open at the time of our conversation. 
9 ) Today XXXX XXXX I received a letter from Citi informing me my account is closed and that it can not be reopened unless I provide a letter from my bank saying the payment was returned by mistake.

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 2015-12-01 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I went to Macy 's to make a purchase. They offered me 10 % if I apply for a credit card. So I did and I charged XXXX purchases totaling just over {$100.00}. I waited about two months and I still had not received a bill, so I went to Macy 's to put the charge on a debit card. By then they had added about {$35.00} worth of fees. I paid it all but I was so angry that I called and cancelled the card. I 'll be darned, if they did n't send me another bill for two months. How can they start charging interest before they even start sending bills? This is predatory. I essentially paid 40 % for a 10 % discount. This should not be legal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-27 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have had an account with Chase for about 10 years. In the last 4 year I have been employed with a firm that does not offer direct deposit. So in order to have free checking with Chase you must have either direct deposit or keep in minimum of {$2500.00} in your checking account. Because I do n't have the option of direct deposit nor can I afford to keep {$2500.00} in my account I am charged what I call a poor persons fee of {$12.00} a month. A lot of times I am charged this fee when there is not enough money in the account to cover it. 
Monday XXXX XXXX I was scheduled to have XXXX automatic payments deducted. Chase instead posted the payments on a Saturday, XXXX XXXX in order to charge me overdraft charges on the date the deduction was due. I have never been charged an overdraft fee on the same day a charge is due. Usually I am given till the next business day to make the funds available. I had about {$50.00} available in my account. XXXX of the transactions was for only {$30.00} which was fundable. The second charge was for {$120.00}. I was still charged XXXX overdraft fees even though I have enough to cover XXXX of the charges. They refused to refund the charges. I have been pummeled with fees over the last year. Even XXXX in one day in XXXX instance. 
XXXX XXXX I submitted an online payment to XXXX. On the Chase site it says that this one time electronic payment will post in 1 business day. On my account it shows that this payment has been send and paid. XXXX has not received this payments. I have asked that the money be put back in my account to avoid service disconnection, Chase is refusing to refund the money even thought it has been more than one business day.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I would like to report unprecedented behavior and lock of understanding customer needs and unwillingness to help by the CitiBank. 
For years to login and conduct any online services through my business accounts, and I have XXXX business accounts, we were using the web site : XXXX with providing user name, password and randomly generated number with the token Citibank provided for each account. 
Over the year ago, Citibank made changes how customers are accessing their personal and business accounts, providing new web site : XXXX and eliminating electronic tokens to login to business account. 
I never knew that by using new web site and new rules to logins to my business accounts this will generate all online transaction, especially wires, as funds coming from me personal name and not from my business name. 
On XXXX XXXX, 2016, following the bank instructions, I sent wire to my XXXX company in the amount of {$7500.00}. Next day I receive a call from XXXX confirming that they received a wire, but they were confused who is " XXXX XXXX '', as this name appeared in the wire as sender. 
I immediately contacted the Citibank to send an adjustments to the wire, but my request was not processed. They recommended to send fund return request, and then send new wire already using the new token they provided to me. 
Unfortunately, because of the delay, funds were deposited to the wrong type account in XXXX, and XXXX XXXX refused return the money. 
All my following calls and visits to the Citibank offices did not resolved anything. They were refusing, or did not know how to contact Ukrainian bank with the simple notes that sender of this wire was the business and not the person, and refused to credit my account for lost funds of {$7500.00}. 
I have tree shipment with equipment already on the way to XXXX, and those funds were to cover our customs fees we have to pay at arriving of our cargo. XXXX and customs services does not know my name as the entity sending this equipment, they do know my business entity name of my company. 
I 'm requesting Citibank immediate credit my account in the amount of {$7500.00}, and deal with XXXX to return funds back. 
I was following Citibank instructions for online transactions and can not be hold as a hostage by the both banks to receive my money back. 
Sincerely, 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 2015-09-25 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Green Square Company LLC.
State: TN

Complaint narrative:
I have received several calls on my cell phone and at my work number from XXXX, with messages stating that a complaint has been filed with their company, Premier Recovery Group, under my name and social security number. I returned the call, using my personal cell phone, at XXXX XXXX. on Thursday, XXXX/XXXX/2015. I spoke with XXXX XXXX XXXX. I asked for a debt validation letter be sent to my home address, and I told her that they are not to contact me at work. XXXX XXXX said, " We 'll continue to contact you as long as you owe this debt. '' Then, XXXX XXXX hung up on me. I received another call today, Friday, XXXX XXXX, 2015, at XXXX XXXX from the same XXXX number, with the same message, at work, even though I instructed XXXX XXXX the day before not to contact me at work.

Company response to consumer: Closed
Consumer complaint received 2017-03-15 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: AES/PHEAA
State: OH

Complaint narrative:
XXXX private student loans were taken out on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. No payment was ever made on the account, so it immediately went into default as of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Per the loan agreements, the first payment is to be made 60 days from separation from the school. I dropped the classes the first week they started. Essentially at this point the loans are out of the statute of limitations. Because they sold the debt to a different company in XXXX they are deeming that to be a payment. This should no longer be on my credit profiles, and I have wrote numerous letters. The collection agencies took it off of my credit when I provided them with the validation of the contract, but the original credit is still reporting derogatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HOVG, LLC
State: FL

Complaint narrative:
Dear CFPB, I am asking you for assistance to intervene on my behalf concerning willful non-compliance within a " reasonable time '' by Bay Area Credit Service refusing to remove, by law, a proven fraudulent credit profile account off my credit reports. 
This unauthorized account is a red flag that is damaging my credit record ; which is a violation of my rights pursuant to the Fair Credit Reporting Act. In circumstance, I provided my name, address, and social security number, demanding within ( XXXX ) XXXX business days, via certified mail Number : XXXX XXXX XXXX XXXX XXXX, on XXXX for the creditor to provide me a copy of the original application bearing my signature, giving authorization to pull my credit history so that I may forward it to the police authorities for investigation. 
The creditor has willfully not complied with my request. I have never received any benefit directly or indirectly from the fraudulent transaction ( s ). Any signature is a forgery and was made without my knowledge ; perhaps due to consumers having similar names and/ or social security numbers. I look forward to you helping me in this matter.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A.
State: MT

Complaint narrative:
My credit report show I have a credit card I have no knowledge of. I disputed the card with XXXX and the dispute was resolved but the card remains. How is that? In the credit report there is a street address for the bank. There is no phone number of web contact. I have been removing these unannounced credit cards from my report. As I said, I have no knowledge of this card. I get no correspondence from them. I have not activated the card. I want the card gone. Can you help me. The bank is CITICARDS CBNA, XXXX XXXX, XXXX XXXX, SD XXXX. 

I do n't understand what the advantage of these credit cards are. The are not used. They are not known about unless you track your credit report.

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 2016-08-26 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I ordered a shaver from a wesite called XXXX, basically the seller is XXXX. XXXX XXXX I used my debit card to make the purchase for {$54.00}. The seller used XXXX to make the delivery, as incompetent as XXXX is, they failed to follow simple directions on just basically to contact me to buzz them inside my building to gain access. Of course they failed to do so. I 've been asking for a refund for over 12 days now just going back and forth with these people. I do n't know what else to do. I do n't normally do this but im asking for help here. The seller which is XXXX of XXXX 's webits is saying we will issue you a refund once the item is returned from XXXX. I never received the item, XXXX has the item, what if it doesnt get returned for months, what if its lost, why am I waiting for this, why am I out almost {$55.00} because someone failed to do their job. This is unreasonable, and I 've been demanding for a refund for over 12 days now through phone calls and emails, please help me!! I do n't know how many people they are doing this too, its sad honestly, I hope no one goes through what I have, I 've lost countless hours on this, its not about the money anymore honestly, its about principle here and doing things right in an ethical manner.

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 2016-12-25 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivables Management Corporation of America
State: AR

Complaint narrative:
A collection agency is trying to collect a debt from me that has been paid by my insurance company. XXXX county medical center is trying to collect for services render XX/XX/XXXX. The Insurance company informed the medical center the debt has been paid but the medical center continue to harass me. This is the second time that the center turned this bill over to collection. I informed the collection agency the bill had been paid and they pulled the bill back. Now it has been almost 1 year and I get another letter from the collect agency, I asked for proof from the insurance co and they sent me a ltter showing bill paid in full and there was nothing owed by me, I informed the agency that I had a letter showing nothing owed by me and they wanted a copy of the letter. I mailed a copy of the letter that I received on XXXX XXXX, XXXX and to my surprise I received another letter with a copy of the validation of the debt and there was no mention of the copy of the letter that I sent them showing I did not owe this bill. Enclose is copies of correspondences from the collection agency. I consider this a form of harassment. I am XXXX XXXX XXXX that is why I pay for a supplemental insurance policy to pay medical bills that medicare dose not pay. I have been harassed for over 1 year with this hospital, I have tried to settle this account by asking the hospital to a XXXX way conference call and they refuse to speak with insurance company while I am on the line

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank is refusing to refinance an existing loan to lower the interest rate and they refuse to do so unless I open a checking account or savings account with them. I had those types of account that I closed in the past. The supervisor I spoke with told me that I would need to open a checking and/or savings account and financed it before I can make application to refinance the loan

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23 00:00:00
Product: Credit card — 
Issue: Bankruptcy — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
This is more of a request than compliant. I would respectfully request that Macy 's lower my interest rate on my account, and my hours have been cut making my budget extremely tight. If they can agree to lowering the interest to 5 % I can more estimate a balance of zero within 8 months. I hope they will give this strong consideration and I have been a loyal customer for a number of years and have not charged anything to the account in the past 6 months.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
I keep receiving letters from a collection company called Fidelity Creditor Service that I is not mine. Their mailing address is : XXXX XXXX XXXX, XXXX, CA XXXX, amount of bill is {$490.00}, account number is XXXX. 

I have asked them to provide an evidence that is bill is mine but the have not done so. I would like to assure this bill which does not belong to me, does not show on my credit report. 

Best regards, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation