vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-16 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Between XX/XX/XXXX-XX/XX/2016, I have received no less than 6 letters ( see attached as example ) supposedly from Citibank , N.A . ( XXXX XXXX, SD ) saying " Thank you for your interest in obtaining an account with us. We are unable to process your request at this time because we could not verify the accuracy of the credit information on your application. In order of us to continue processing your application, please call us at XXXX... '' The issues I have with this letter are : 1 ) There is no mention in the letter about WHAT specifically the application I " supposedly submitted '' was for ( credit card, debit card, checking account? ) 2 ) I have NEVER submitted any application to Citibank for ANYTHING 3 ) When I call the number, I 'm prompted immediately to input my entire Social Security number ( which I will NOT do ) before I can even speak to anyone " live '' 4 ) When I did finally manage to find a live person to speak to about this after nearly an hour of digging around on the internet for a phone number, I was told by a CSR that Citibank could not provide me with any details about the nature of my " supposed '' application because that information was confidential - DESPITE that it was " supposedly '' MY credit information!!! 

This is absolutely ridiculous and a time drain. I monitor my credit history very carefully and I should be able to know if someone is attempting to open an account in my name, without my authorization. If this is nothing more than a marketing ploy to get me to contact Citibank so a CSR can convince me to open an account with them, I want the letters stopped IMMEDIATELY as I have neither the time nor patience to mess with this.

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 2015-12-21 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I am on XXXX and I only get so much money a month, I was doing very good with all of My Accounts until My Daughter and Grandchildren had to move in with Me and she had no job and was not getting child support, Adding XXXX people to a XXXX Person income hardly leaves XXXX cents left till the next month ... I have explained this to every Creditor I have and cut up every credit card I have.. I am not saying it was not my debt but if you do n't have it then you do n't have it .. Some months I can buy all my Medicine, other months I can only buy the ones to control my pain .. I Live on Yogurt and Dried Cereal 99 % of the time ... I know there are XXXX liens on my credit history and Midland Group just won a {$1300.00} + Court Costs and I talked to XXXX of the Attorneys the day after I was Served with a Subpoena and was told that if I did n't show up that the case would just remain open, NOT A Judgement for Default for not appearing .. I have a very hard time getting around and spend all of my time in bed because it is the most comfortable for my body, I leave My House every 3 months and that is to see my Dr. My Meds are even Delivered by the XXXX In XXXX XXXX That is the ONLY time I leave my home .. My Meds are very strong and I do n't like to drive to much on them and I have become a XXXX on top of the rest of the above ... I have lost my will to care about Myself and Yes I do Stress about Owing Money to Others ... I feel like a failure of the biggest kind, but as a Mother and Grandmother, I can not allow them to suffer or be homeless. I am terribly Embarrassed and feel Completely Dishonorable.. I ask that you find a way to forgive Me and My Debt in all cases .. Most Humbly and Embarrassed ...

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have submitted a lifetime opt-out request about a year ago. I have since received numerous solicitations from citi ( XXXX XXXX, XXXX XXXX, SD, XXXX ). I have contacted them each time they send a solicitation informing them I have signed up for the " opt-out '' program and asking to be removed from all future contacts. They keep saying they will submit my information and remove me but obviously, they do not. Please tell me there is legal action I can take against them to hit them " where it hurts '' and get them to finally stop harassing me with these unwanted " offers. ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
REGARDING CITIBANK CREDIT CARD # XXXX CITIBANK APPROVED MY CREDIT CARD FOR $ XXXX AND WITHIN 7 DAYS CITIBANK CLOSED MY CARD ON NO REASON GIVEN, THEY ARE PUNISHING ME FOR A SIN THAT I DONT KNOW WHAT WAS MY CRIME. THEY RAN MY CREDIT AND THEN UPON INQUIRING THEY WROTE ME " WE REGRET WE ARE UNABLE TO ASSIST YOU FURTHER ''. THEY ARE BEING UNFAIR ON NOT PROVIDING ME A REASON

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 2015-08-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My husband and I have been working with CitiMortgage for a modification application since 2012. After repeatedly sending in the same documentation and clarification they ask for, I am always denied because they claim documentation was not turned in. I keep records and confirmations of all documents sent and also keep logs of every phone call I make or receive from the lender. It seems at this point there are just giving me the run around and forcing me to fall further and further into debt so they can sell my home. I wish they would acknowledge all the work I am doing on my end to keep being productive and following up instead of giving me the run around and giving me false hope. I also felt as though the relationship manager that was assigned to my file was discriminating me due to my race and always had a serious attitude with me and did not want to help and make things more difficult for me. I had to ask for a new relationship manager because he made me feel horrible about my situation. I feel I have been dealing with this unfortunate situation for too long and need to address the situation so it does not happen to others as well. So now at this point I have a projected sale in XXXX due to their underhanded tactics and they are pushing me against the wall before a sale and I would like them to review me for a modification and conduct themselves in a professional manner and provide with me foreclosure options as California Law state. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
In looking to purchase items from Bestbuy.com, I was offered 0 % financing immediately if signed up for a BestBuy credit card backed by Citibank. I filled out the application, called for verification, application was approved and I was told that I could check out online immediately and the goods would be shipped to me. I completed an order for {$3600.00}. Two days later, I was notified that I could not purchase the goods until I recieved my card in the mail. This was deceptive advertising meant to reel people in with a good financing deal, lying that it would apply immediately when in fact, I was told by Citibank that this was not possible. I 've since cancelled my card and my orders, but my credit has been perminantly impacted by the application process and am told I can not apply for another Citi-backed card for 6 months or a year. The losses include the actual interest on the products, as I no longer qualify for 24 months of 0 % financing, as promised online.

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 2016-03-25 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Citi has an internal record error about how a credit card was closed that they refuse to fix and refuse to approve my credit card application with a XXXX clean report and score. 

The annual fee had posted and did not see value to continue use of the card such that I called to cancel the card. I applied for a new card a couple years later and was told I ca n't because the previous account was closed due to delinquency, which is inaccurate.

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 2015-04-11 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Macy 's always charges {$2.00} ( as " minimum interest '' ) each month even AFTER the remaining balance has been completely paid off. Is this legal?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-22 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I was locked out of my CitiBank online account. 
I reset the password twice. Eventually got 100 % locked out to where Citibank said that they would send a new card. 
New card was never received and when called to finally close out the account I have not received final confirmation that the account it closed.

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 2015-04-16 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank charged an overdraft fee of {$35.00} on XX/XX/2015. The account was not overdrawn. See attachment

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-05 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: WI

Complaint narrative:
Account number : XXXX I had a balance in XXXX XXXX and paid what I was told the pay-off amount was. Then Santadar reported the {$4.00} late at XXXX days! They also sent me a REFUND check # XXXX for {$330.00} in XXXX XXXX for an OVERAYMENT! I disputed the XXXX late this past XXXX, and they made it worse by changing the account to " Charge Off '' ( {$4.00}!! ) with an incorrect date of XXXX XXXX. Account was paid and closed in XXXX! They must remove the account not reporting correctly from all XXXX bureaus, of both mine and the joint borrower immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
The financial institution that is financing a vehicle I have had put me on a do not contact list without my approval, which resulted in me not being contacted for four months while delinquencies were happening without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
On XXXX XXXX, 2015, the Jeep wrangler I was leasing from Chrysler Capital was totaled in a car accident. My insurance carrier submitted a check in the amount of {$37000.00} to cover the balance of the lease pay-off. Chrysler acknowledged that the check was received in their mailroom, but was somehow lost. I contacted Chrysler to find out the status of the pay-off check several times. 
During this time I continued to make the scheduled payments which were due on the XXXX of each month. I was also required to pay a {$490.00} lease return fee, even though the car was not returned, but totaled in an accident. 
Chrysler accepted my payments and assured me that they would credited to my account because they were not late and my credit would not be adversely affected because I continued to make my scheduled payments. In fact Chrysler Capital sent a refund check for approx. {$1700.00} to reimburse me for the payments I made during the time they are claiming I was late paying them. 
This turned out to be untrue, Chrysler intentionally reported late payments on my credit even though I made my payments within the time frame required. 
Attached is a complete history of my payments to Chrysler Capital.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I have a car loan through Santander Consumer USA, I have had several deferments on my loan to get caught up. I also had my car repossessed without notice. I was advised in order to get my car back I would need to at least pay my car note payments current. Which I did. Since then have made my payments on time, however my interest amount and balance have only seemed to go up. I then called today XX/XX/XXXX to find out why if I just made a payment yesterday did my balance not go down nor my interest. I was advised I made a partial payment XX/XX/XXXX which has carried over. I first spoke with agent XXXX, then to Supervisor XXXX who informed me of this. I asked XXXX if my car was taken and I paid my car notes current, as well as had several deferments since XX/XX/XXXX do I have a carry over balance. XXXX first explained deferments only carry over the exact payment and nothing more. I advised him I was not informed of this in writing nor by the agent at the time of agreeing to the deferment. He then advised when I was told to pay my car note current to get my vehicle back that I was given a lesser amount. I again explained to him I was not aware of that and only paid what I was told, pay all car payments current. He said that is how it works and he can do nothing about that. I was also charged fees XX/XX/XXXX and no one can explain why. I have had this car since XX/XX/XXXX and my balance has only went up and not once has it went down. When I first spoke with XXXX I asked her why would my entire payment go to interest which she advised, she stated that from XX/XX/XXXX - XX/XX/XXXX I accrued {$530.00} in interest and she did n't know what the interest balance was prior to me making my payment. She told me to calculate myself each month on what I would be paying in interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30 00:00:00
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Santander Consumer USA Holdings Inc.
State: MN

Complaint narrative:
I disputed the debt ( auto loan ) and sent a debt validation letter XXXX different times to Chrysler Capital, they did not respond to either request with any proof, instead they closed the account and / or wrote the debt off XX/XX/XXXX. XX/XX/XXXX I woke up to find my automobile missing from my families drive way. I called the police to report it missing and they informed me that it had been repossessed. I told the officer i spoke with that it should n't have been repo 'd and wanted to report it as stolen. He then said that he would contact the company and find out what was going on and call me back. He called me back with a number for a company called XXXX XXXX XXXX out of XXXX. I called this place and they said I had to pay them money before they would release my automobile to me, I then stated that they were n't the original creditor, and that the original creditor closed the account and the debt was written off in XX/XX/XXXX, and they stole my automobile. I then asked them to provide me with a contract or documents stating that I owed them money, the guy said they did n't have to provide me with any contract or documentation and that I would have to call the original creditor. So I called Chrysler Capital and was XXXX told they could n't find the account, I then requested a manager who stated that I still owed the debt even if it was written off and the account was closed that 's why my automobile was taken. I then informed them that I would be contacting other people about this because nobody had any right to take my automobile. At this point I had no knowledge who took it or where it was taken. XX/XX/XXXX am. I called the non-emergency sheriff 's number and asked how I go about making an official theft complaint, the dispatcher took my number and said she would have an officer call me. I got the call and it came from the same officer I had spoken to the day before. He said that he could not make a theft report because it was n't stolen that the bank wanted their car back so it was repossessed. I told him it was taken by a XXXX party debt collector illegally, and asked him if he knew who took it and where they took it. He stated that he did n't know. I requested the Police Report and picked it up later in the day, and found out that a company named XXXX XXXX out of XXXX actually took my automobile at the direction of XXXX XXXX XXXX who stated that Chrysler Financial gave the repo order. even though the debt was written off and the account was closed. XXXX XXXX XXXX refused to release my automobile until I pay them money. I do not have any contract with XXXX XXXX XXXX or XXXX XXXX and I do not owe either of them any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-25 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Grant & Weber
State: CA

Complaint narrative:
On XXXX XXXX, 2015 I sent a certified letter to Grant & Weber requesting verification of the debt they have been reporting on my credit profile. The debt total {$150.00} + {$50.00} for interest. I have yet to receive validation of this debt. On XXXX XXXX, 2015 I decided to send a letter to settle this debt and have it removed from my credit profile. Since the amount would total XXXX I figured I would save my self time and money and send them a request to settle this account. On XXXX/XXXX/2015, I received a letter from Grant and Weber stating they have no record that I made no attempt to contact their office. I have attached the XXXX certified letter receiptsand copy of the letter I received from Grant & Weber on XXXX/XXXX/2015. I was under the impression that they are required within 30 days to respond with proof of this debt belong to me. The letter dated XXXX/XXXX/2015 was not validation but a collection letter, they totally ignored validating this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I wrote to Chrysler Capital about an account that had shown up on my credit report when I was denied a mortgage loan acct # XXXX. I then sent a certified letter stating I want validation that this was my account I never owned a vehicle with them. They sent me paperwork stating that I was the co-signer of. However, they violated the Fair Credit Reporting Act, Section623 ( a ) ( 3 ) by not placing the disclosure within the required 30 day period. I then sent a XXXX letter stating the following above I have not received a response, but they have marked this account as disputed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: KY

Complaint narrative:
Mortgage on my condo serviced by Ditech Financial LLC, XXXX SD. Phone XXXX ; however when calling that number I get a customer service center in XXXX TX. 

Sold and closed on condo on XXXX XXXX. Ditech claims they mailed me a check for the balance of my excrow account in the amount of {$650.00}. Check did not arrive. Told there would be a wait until another check could be issued. Followed up and was told another check had been issued and mailed. They always tell me it will take 10 to 14 days for the check to arrive. That check did not arrive. Telephoned and insisted on talking to a supervisor. He, XXXX, told me that they are having system problem and although system showed payments being made, in fact, they had not. Told checks will now be issued on XXXX XXXX, XXXX. He told me it would be 10 to 14 days for check to arrive!!!! His extension at the above # is XXXX. I checked with XXXX. In XXXX they settled over XXXX complaints against Ditech and over XXXX complaints in XXXX. 

The condo is located in XXXX IN. Address is XXXX IN XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: PR

Complaint narrative:
I cosigned a car loan for my sister and due to lack of payments ; I ended up calling the finance company, which was XXXX bank to repossess the car. Couple to few months later, I received a letter from the bank stating that they sold the car and it was sold for {$4000.00}. From that point, I requested documentation that proved that the car was actually sold for what it was sold for. The car was a XXXX XXXX XXXX, limited edition. All I received from XXXX was an itemized list ; I strongly believe that the car was worth more than what the bank claimed it was sold for. 
I know a creditor may have the right to " repossess '' -- or take back your car without going to court or warning you in advance. The creditor may also be able to sell your contract to a third party, called an assignee, who may have the same right to seize the car as the original creditor. I was never informed about the time and place of the auction or private sale. 
I 'm convinced that the selling price of the car was below the book value. I strongly believe that the bank failed to resell my car in a commercially reasonable manner, and I need answers. 
As of today, I owe more than {$12000.00} and it is being reported in my credit. Please help me.

Company response to consumer: Closed with explanation