vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
My Wife and I live in a small rural community in GA. We applied for a 30 year fixed rate mortgage on XXXX. We received confirmation that our request had been approved and the current interest rate locked in - subject to further processing, verifications, an accurate and adequately supported opinion of the market value of our property, etc. My Wife and I met with the Lender 's approved appraiser and she performed an in-depth inspection - all the time complimenting the various upgrades and design additions we had made - all, in accordance with current code requirements. We eventually received a copy of the appraisal which was indeed {$12000.00} more than the 80 % requirement for our loan request. My Wife and I inquired if the estimated loan closing costs could be reduced if we further reduced our requested loan amount - we were expecting State and Federal Income Tax Refunds. Our Mortgage Loan Officer responded by a voice-mail message and e-mail, that if we reduced our loan request to 75 % of the Fair Market Value - as supported by their appraisal - there would be {$0.00} closing cost, if we would agree to take an interest rate of 4.000 %. My Wife and I applied all of our tax refund dollars to the principal balance in order to reach the 75 % loan-to-value amount. On XXXX, we received a new Good Faith Estimate indicating the reduced loan amount, " higher '' closing costs and a different interest rate! My Wife and I began a crusade of telephone/e-mail communications to ask for clarification, but no one would respond - not, the mortgage loan officer, the assigned loan processor, or their individual supervisors. On XXXX, via snail mail, we received a " Notice of Action Taken '' dated XXXX that simply stated, " We 're unable to approve your request for a Home Loan because : The TYPE of property or the CONDITION of the home is not acceptable. '' The effective date of the Lender 's appraisal was XXXX! We believe that if this scenario is investigated, it will support the fact that there exists mortgage credit discrimination within XXXX XXXX XXXX Appraisal Documentation Guidelines which " deny '' equal opportunity/fair housing lending in small rural communities. PLEASE INVESTIGATE!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
In XX/XX/2016 I sent a certified letter to Credit Collection Services to verify debt which they ignored I also sent XXXX additional letters asking for verification and again was ignored with no response

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-21 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
When i moved to XXXX then back to XXXX, Capital One put a restriction on my credit card for possible fraud. I was late on a payment because I had a small XXXX XXXX, but resumed working again and wanted to bring my balance current. I have been trying to prove my identity to them for the last month. I have called them XXXX times to date. Thier hold times are up to four hours, while I get transferred from one department to another. I was unable to answer one security question due to it being an address I had over 25 years ago. I was tiold to take my ID to my banker. I did, she was on hold over 45 min and finally could wait no longer. I called again, got disconnected twice, was finally given a supervisor. She directed me to fax my ID. I did, and i received a confirmation number. I was told 24 to 48 hours to remolve hold. Five days later I am told it was not received and they need XXXX forms of ID. I refuse to send my birth certificat and social. After an hour and a half on hold, Im sent to a supervisor, who wants me to fax my ID again. Very fustrated, and late charges accruing because I can not make payment. HELP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Complaint number XXXX Chrysler Capital has had FOUR MONTHS to provide basic readily available documentation. Correct the false reporting to CRA. Chrysler Capital has been evasive deceptive and combative. Asking for Sixty additional days to do something days that should have been taken care of in the FIRST SIXTY DAYS is clearly more deception and delay tactics and serves no purpose other than to cause Myself My Daughter and the other buyer more harm. If Chrysler Capital needs that time I will deduct {$300.00} a day from from the contract starting on XX/XX/2017 in addition to both financial and emotional damages. Provide loan assignment document, provide audit, provide first twelve months of statements, provide document to CRA to remove falsely reported late payments. provide clear title. I will expect the the above by XX/XX/2017

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
In XX/XX/XXXX, I applied and was approved for a car loan, during the 10 year period of the loan, payments were made and subsequently, the loan was satisfied. After recently reviewing my credit report, I noticed several inaccuracies. In particular, there are XXXX entries I noticed as inaccurate. On XX/XX/XXXX, Santander indicated I was 90 days late, which is inaccurate. 2 ) On XX/XX/XXXX, Santander indicated I was 60 days late, which is inaccurate. 3 ) The report indicates the terms were {$140.00} for 72 months, which is incorrect. Finally, I have no confidence in Santander 's administrative accuracies and their failure has fueled the negative entries on my credit report. These inaccuracies are reducing my chance for homeownership. Attached are XXXX documents recently received from Santander, in which, they clearly admit there are administrative and record keeping issues that was uncovered during an audit. " during a recent audit, we determined your account is due a refund ... '' This admittance has caused me to lose total confidence in Santanders record keeping. As a result, I believe there is more incorrect information reported that is negatively listed on my report and the possible reason for future credit denials.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Grant & Weber
State: IL

Complaint narrative:
This debt was created from my Illinois department of human resources XXXX account. I went away to XXXX and somebody fraudulently renewed my length of benefits and continued to received my benefits while I was XXXX. I was XXXX from XXXX/XXXX/2015 to XXXX/XXXX/2015. When I got XXXX from XXXX I was denied benefits due to fraudulent charged on my Illinois XXXX while I was in XXXX. I have no idea what to do or how to get this debt resolved if I had nothing to do with it since I was in XXXX over the 6 month period the card was being used.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: Flagstar Bank, National Association
State: CA

Complaint narrative:
I am unable to access my account information with customer service. They indicate that I do n't have security questions/answers on file, therefore they ca n't verify my. Never have I been presented with the ability to complete said security questions/answers. The account was originally created with AmTrust who was then acquired by New York Community Bank. Since then, I 've been locked out of my account via their website and can not get assistance on the phone due to the lack of said security questions/answers. I do n't receive paper statements, they are online only so I have no visibility to what is going on with the account. I was n't too concerned about this since I have n't used the account in several years. Yesterday I received a overdraft notice in the mail on the account for {$8.00} and customer service ca n't assist me in determining why/how, again due to the lack of said security questions/answers. I 've provided them every piece of identifiable information I have ( account number, name, SSN and address ), yet this is not sufficient verification to assist me with resolving this overdraft issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Green Square Company LLC.
State: TX

Complaint narrative:
they have called repeated times contacting me and my employer at my place of employment being loud and threatening to the people who are answering the calls. Have threatened to garnish my wages.

Company response to consumer: Closed
Consumer complaint received 2015-06-20 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
A few months ago, I failed to receive a statement on my Sears credit card. Luckily, I remembered the payment was usually due around the XXXX, so I went by the local Sears store and made a payment. My wife was concerned about not having received a statement, so we waited XXXX weeks for the next statement showing the last payment and current balance, but it never came. My wife called them and explained she was concerned that someone could have been able to change our mailing address and could be using the card info fraudulently. Of course the could n't tell her anything since her name is n't on the account. So I called and the address was correct and they promised to send another statement, but nothing came. I have called XXXX more times and complained to the local store ( who said they hear that complaint a lot but ca n't do anything about the credit card ) and every time I have received a promise we will start receiving statements, but we have not received XXXX yet. We have missed the last XXXX statements. We could go online, but prefer to receive a statement via mail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-08 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Loan Science, LLC
State: NY

Complaint narrative:
I have student loans with XXXX private student loans ( XXXX XXXX XXXX XXXX ) is LOAN SCIENCE , LLC. I have currently XXXX dollars of student debt. Every month, I pay about {$200.00}. I have just called them and ask them if they take under the consideration that I have another student loans to pay and if they could lower my payments. My interest rate is 6.640 % Variable. ( it seem much higher ) What happened if I get sick or lose my job. They said there is not their problem, and I have to pay 200 monthly for other 18 years. I am 48 years woman live in poverty and do n't have any retirement plan because of my student loans. I also have government student loans, and they are so flexible and take life circumstances under the consideration. This is so cruel that I ca n't refinance my student loans and ca n't do anything about it. Coming from another country and going to college is my biggest mistake ever in this country. I wish I would turn the time and never go to college here. XXXX is horrible company!! Is there anything I can do about it!! Can I refinance? I think that interest is much higher than 6.60 %. Can I hire the service to investigate my account? I think something is not right!

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 2017-01-12 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Lazega & Johanson LLC
State: GA

Complaint narrative:
Please find attached letter from me to Lazega & Johanson LLC with a detailed complain. 

XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
I purchased my vehicle XX/XX/XXXX. I started my chapt XXXX bk XX/XX/XXXX my chapt XXXX bk was approved XX/XX/XXXX. It is my understanding that when you are under bankruptcy protection that the loan or finance company can not charge you any fees or accelerate your interest while under bankruptcy protection. 
My loan is due to end as of XX/XX/XXXX. I was just told that my payoff is XXXX this is incorrect. I was also told that this is additional fees and interest charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: NE

Complaint narrative:
Santander refuses to update my credit info being reported to the XXXX credit bureaus to open/current for this loan or lease. I have paid them to make the loan current and paying all applicable fees but they refuse to report the correct/accurate information. This is affecting my livelihood in regards to employment and housing opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I have a mortgage with CitiFinancial, based out of XXXX, NC. I went on line to make my payment of {$530.00} on XXXX XXXX. They deducted {$530.00} on the XXXX and again {$530.00} on the XXXX. This overdrew my bank account so I also accrued overdraft charges. My husband and I are retired so this money was needed to pay other bills. I called the XXXX time on XXXX XXXX and was told I would receive a refund in XXXX days. ( Probably would not take that long ). I called again on XXXX XXXX and was told again it would take 7-10 days by a not so nice person. I called again today and no one will help. They send me to voicemail and no one will return the call. Now its time for another payment which they can use the money for, but I am really disgusted with the treatment. They took money from my account which they did not have permission to, forced my husband and I to live on an overdrawn bank account for XXXX weeks and they no accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
This is in follow-up to Complaint # XXXX. CitiMortgage made hard inquiries on my credit report on XXXX/XXXX/15 and XXXX/XXXX/15. These inquiries are affecting my score and I requested that they be removed, due to the fact that CitiMortgage had no reason to check my credit, since I did not apply for credit with them. PLEASE expedite to the company, so these inquiries can be removed. Thank-you in helping me get this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
In XXXX, XXXX, I applied for a modification with CitiMortgage, my loan company for over 20 years. We fell behind on the payments because my husband lost his job in XXXX, XXXX due to illness and my XXXX went on hold because I had a XXXX in XXXX XXXX. After sending in multiple Profit & Loss statements, bank statements and letters of explanation over the past 9 months, CitiMortgage denied me for all of their modification programs on XXXX XXXX, XXXX. We are now XXXX payments in arrears and the repayment plan CitiMortgage offered us is double what the mortgage payment was. Me and my husband are XXXX and XXXX years old. We have lived here since XXXX. My XXXX is slowly rebuilding, but my husband is still not well. I do n't understand why it took so long to deny us this modification. We do not want to lose our home, but I do not see a way for us to catch up on these missed payments. Is there a way for you to help us? We need a lot of help right now. I have copies of information sent to CitiMortgage that they requested for the modification. We sent everything in by email and I sent everything they asked for. I do not know how to forward these emails to this page as an attachment, but there are several emails requesting duplicate information that was sent in previously. I can fax or mail in the copies I have. Please help me find a resolution to this matter as soon as possible. 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 2016-05-01 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
I am refiling a claim due to lack of response to my dispute to the credit card company 's response and lack of response on XXXX XXXX, XXXX. I received acknowledgement from Consumer Financial Protection that my response was received. However, I never received any acknowledgement from the credit card company, and it has been nearly one month since I submitted my dispute. I was paying {$8.00} a month for credit protection, i.e. XXXX, through the credit card company. XXXX NEVER notified me of suspicious or unusual activity on my credit card. 

Regarding me disputing the charge that posted on XXXX XXXX, XXXX, and denying the XXXX fraudulent charges, I had called in and found the charge for XXXX charge pending. This is evident by me receiving conditional credit for the disputed item on XXXX XXXX, XXXX, and the actual charge not posting until XXXX XXXX, XXXX. When I learned that it was an XXXX web site, I had reported the charge as fraud. Being XXXX I have no use for a site such as this and was extremely embarrassed to even have to speak to a representative regarding this charge. I had no knowledge that the XXXX charges took place a few days later. 

The remaining charges that month are truly fraudulent and I respectively ask that you do one or both of the following : 1. Request the credit card slip that shows the signature of the purchaser because my credit card said " Check ID '' on the signature line. I am physically unable to sign my name XXXX. 
2. For the cash advance charges request the video and see who was using the ATM because I did n't know the pin number since I do not use cash advance. 

Furthermore, I was preparing for my divorce trial in district court at which I had to appear and testify from XXXX XXXX until XXXX XXXX on XXXX XXXX, XXXX. 

Lastly, as for the balance being paid in full, I was attempting to keep my account in good standing and was going through many personal and medical issues at the time and did not keep close watch on my personal business. It 's only because of finding an off-the-wall fraudulent charge 1 1/2 years ago that even prompted me to examine ALL my credit card accounts, past and present. 

Thank you for your attention to the matter.

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 2017-01-04 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Received unrequested XXXX in mail from Sears or Citibank with instructions to call a number to activate it. Card and paperwork was shredded since we had not requested the card. We have now received a bill from them for payment for something we know nothing about with a {$20.00} credit and a {$4.00} balance. We called a number provided and attempted to resolve this issue and they asked for personal information which we refused to give them. We were then referred to someone named XXXX at XXXX. He referred us to a form to fill out which included a statement that had to be signed stating that we would be responsible for various charges to resolve this fraud attempt lwhich is not agreeable. We went online and found that many people have experienced the same problem with these people and it appears to be a widespread rip off.

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 2016-11-02 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
This is regarding my Macy 's revolving credit account. It 's very simple. When I pay my bill in full on or before the due date leaving a XXXX balance, Macy 's applies a finance charge on a XXXX balance. This has occurred 6-8 times in 14-15 months of a new account. Each time I 'm incorrectly assessed the charge I 'm forced to contact customer service and they always remove the charges. I do n't feel it 's my responsibility to monitor each month and more importantly, how many customers are unaware of this fraudulent business practice. Each time I contact Macy 's corporate office they assure me they wo n't continue this & are notating my account. Obviously, false promises to presumably make me go away. PLEASE HELP!

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