vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-13 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
I bought out my lease from Chrysler Capital. The buyout was XXXX. 
I sent a check to Chrysler capital for XXXX which INCLUDED the New Jersey Sales Tax of XXXX. 

I received the Title for the vehicle alone with a " Bill of Sale '' stating I PAID NO SALES TAX. 

Now when I got to title the vehicle in New Jersey, New Jersey division of motor vehicles wants to collect the sales tax on the XXXX. I ALREADY PAID THE TAX TO Chrysler capital. 

I have proof of my cancelled check to Chrysler Capital in the amount of XXXX. 

When I contacted Chrysler Capitol they told me " THEY DO NOT KNOW WHERE THE MONEY WENT '' This I feel is unacceptable and deceptive as a business practice. They also sent me what I am calling a fraudulent document stating XXXX DID NOT pay sales tax, whereas I previously stated, I have a cancelled check showing the taxes were paid. 

I am unable to title or register my vehicle. I do not know what my recourse is anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I have a Citi Thank You card that has had fraud activity on it several times in the last 6 months. The fraud activity is always for the same amount and same place in XXXX. Each time this has happened, I have had to close the card and am issued a new card. I have had XXXX cards since XXXX 2016. The most recent card sent to me ( my XXXX card ) due to fraud activity was activated on XXXX XXXX, 2016. I had it for less than two weeks before there was fraud activity on it. I had to close it was issued another card ( my XXXX Citi Thank You card ). I have not used the card since XXXX 2016 for a doctor 's bill. The card is not registered at any online sites. Yet, this fraud activity still occurs. When I spoke with Citi regarding the most recent activity, I was informed that once I activate the card, I could call and consolidate it with my other Citi card and close the Thank You account. So I did that. But the rep that I spoke to told me that she could n't do it but I could call back on XXXX XXXX, 2016 between XXXX a.m. and speak with a supervisor who could make changes to my account. I called and was denied speaking with a supervisor and was told that a supervisor was unavailable. I called back and was informed that supervisors who can make changes on accounts are only available between XXXX XXXX. This is in contradiction to what I was originally told. I keep getting the runaround and no one is willing to help me. I 'm tired of having to close my Thank You card and activate another one every month or so because of some issue with Citi 's security.

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 2016-08-05 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
i got a promo code of XXXX Citi points alongwith opening Citi Gold checking account. There were additional requirements that i had fulfilled and the XXXX points were supposed to be posted after 90 days of account opening/meeting requirements. The points never posted. I got in touch with the Citigold representative multiple times, had XXXX separate long phone calls on all of which they acknowledged that i had met the requirements and the points would post in next few days. each time i waited and nothing happened. Then upon further inquiry i was told that Citi has done their internal investigation and found that I was n't targeted for the promotion so I was n't eligible. i have proof/screenshots of the promotion offer that i saw onscreen after i opened the Citigold account. So i told Citi that offer me a chance to prove that I got a confirmation of this promotional offer after I opened the account. I was never offered a chance to provide proof. They just plainly denied and repeated their findings that I was n't targeted. I feel cheated and foolish that I was taken for a ride. I read online that a CFPB complain may help to resolve the issue. For the time being i have dowgraded my checking account at Citi so I do n't have to keep on paying a fee of XXXX $ /Month and also being cheated off the XXXX offer. Please help and advise. I am attaching the word doc of screenshots that shows the offer of XXXX points with opening up Citigold account and it shows my name/account number after opening.

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 2016-03-16 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Santander is reporting negative information on my credit report. I have taken the necessary step to dispute the information with the credit bureaus. ( I disputed the account in XXXX XXXX ) The credit reporting agencies said everything was verified with the data furnisher & if I had questions about the account I needed to contact the data furnisher directly. I 've sent them XXXX different requests XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX & XXXX/XXXX/XXXX XXXX to provide me with all necessary documentation showing the account belong to me. They have ignored my requests. So I contacted the credit reporting agencies & they said I need to supply documents showing the information is inaccurate. I 'm very confused ... how would I have information showing these accounts are inaccurate? I 've researched the FDCPA & FCRA and found out that it is the responsibly of the data furnisher to provide the consumer with all proper documentation when requested.They are not following the rules & I 'd like this information removed immediately!!! I 've included the letters sent to Santander to validate my position.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My husband and I had a loan with Citibank that was paid off in a short sale in XXXX 2011. 
Recently we attempted to obtain a new mortgage and were told that Citibank has been reporting us delinquent every month since XXXX 2011 and as recently as XXXX of this year. 
I have contacted Citibank dozens of times, sent pages and pages of documentation, talked to multiple service reps and they all say that they will get this corrected. It has been many months as recent as today, it is still on our credit report. Please help us to get this issue resolved. 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 non-monetary relief
Consumer complaint received 2016-08-09 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
Dates from which the debs run are dates the third party collection agency purchased the debts and NOT the dates the debts became delinquent. when I contacted them they would only say " no comment ''. These erroneous dates are nearly TWO years after the original delinquencies occurred. The original creditors refused to negotiate terms for payment with me. 

The collections agency is XXXX XXXX XXXX on XXXX debts, XXXX from " XXXX ''. and XXXX from " Citibank '' on both XXXX and 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 monetary relief
Consumer complaint received 2016-04-10 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XXXX XXXX, XXXX, I made a purchase, with my Macy 's card in the amount of {$16.00}. I went home and did n't think about it. The holidays came and went and, on XXXX XXXX, XXXX, I received a letter from Macy 's ( no date ) saying that they had been unable to reach me for some time and alluding to me experiencing financial difficulties. I contacted the number on the letter ( XXXX ). However, the representative could n't access my account using my telephone number ( home or cell ). It was then I found out that Macy 's had incorrect telephone numbers for my account. The representative could n't divulge the numbers on file, but did tell me that they were not even in the same area code. I have had my home number and my cell phone number since XX/XX/XXXX, so I am confused as to why there were different numbers associated with my Macy 's account. It also appears that Macy 's did not have my email address on file. I was then told that I had an outstanding balance on my Macy 's card in the amount of {$140.00}. The representative could n't tell me what the purchase was for ( I did n't remember spending over {$100.00} at Macy 's recently ), but did tell me that it was for a purchase made in XX/XX/XXXX. I searched my receipts and found the one showing the {$16.00} purchase. Macy 's add added {$130.00} in late charges and fees onto my original {$16.00} purchase! Of course I questioned why I had n't received a bill for the original purchase and I was told that, according to Macy 's, I was receiving ebills. However, when I contacted XXXX XXXX, they confirmed that I had not received any ebills from Macy 's since XX/XX/XXXX. After much wasted time and phone calls, I was able to get Macy 's to reduce the charges to {$24.00}, which I promptly paid. However, my account has now been closed and I have been reported to the credit bureau for non-payment! Macy 's reported my payment as late to the credit agency without even notifying me that I had a payment due. It took them five months to notify me that I did not pay a charge for a bill that was never received! Macy 's had my home address. If I could not be reached by telephone or email ( through Macy 's own negligence ), why was n't I notified by mail sooner than five months?! In addition, I have proof from my bank that I never received a bill. I will take responsibility for forgetting the charge ( which is why I accepted the {$8.00} late charge to settle the account ). However, Macy 's was completely negligent for 1 ) not having the correct contact information ; 2 ) not verifying that the ebills were being received ; 3 ) not following up on the non-payment sooner than five months later. Upon checking reviews of Macy 's, I see that I am not alone with what happened to me. There are several people who are complaining about the same issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-17 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: Synovus Bank
State: FL

Complaint narrative:
I have a credit card with First Progress Card for more than 2 years, a few weeks ago they called to inform that for security reasons my card was cancelled and no more information was granted, after waiting for 2 weeks ( because they do n't have a rush process like most of the credit Cards ) I received my new card. 
For my surprise they cancel my online account where I had all my previous statements, I called customer services where I was advised that all my data were erased, I spoke to the supervise who confirmed all my data was erased. 
I wrote a letter to First Progress Card asking for my previous statements, because I understand that since they decided to stop sending paper statements they should provide me online access to my statements. 
I have no answer for my letter yet. 
I need my statements in order to find some medical expenses to file my tax return.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: WI

Complaint narrative:
Santander auto financial had sent a letter from a lawyer at XXXX. My wife had called them to make arrangement for payment. She was told that if she paid XXXX dollars by XX/XX/2017, that she could make a payment on the first at just keep making payments until caught up. Well, today Friday XX/XX/2017, I XXXX XXXX XXXX XXXX was severed with a court summons to the fact that Santander is placing a judgement against us and in the court of XXXX, Wisconsin. When I called the corporation to talk about the matter, the person that took my call was very rude and empathetic to the fact that my wife was in a car accident and the fact that we have had to pay medical bills, her out of work and getting my car put back together. As a matter of fact, she said that I was lucky that I lived in the state of Wisconsin, because if not they would have already repossessed the vehicle. At this point she started becoming even more rude to the fact that she was talking down to me. I have a XXXX XXXX in XXXX and I told her that this is not the way to do business but of course being a big bank they can do what ever they want. I am a XXXX veteran, which is willing to work on this but the unforseen car accident put a strain on finances and this corporation does not care about anything but there money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: AL

Complaint narrative:
I bought a car from XXXX for around XXXX, after 2 years, i realized the car was not the car i bought on paper it was a XXXX model and the paper work was a XXXX model. After having to have the transmission replaced, and it failing again, front axles wheel bearings and other problems we called santandar to have them pick the car up on a voluntary repossession, and have n't received any paper work since then.We really need this issue resolved and removed from our credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, National Association
State: CA

Complaint narrative:
XXXX XXXX, XXXX Consumer Financial Protection Bureau Mortgage payment assistance/Consumer Complaints RE : - incorrect mortgage principal balance and interest overpayment Dear Sir/Madam, Our mortgage principal balance is substantially incorrect. 
It is incorrect to approximately {$160000.00} over stated. 

We purchased our home in XXXX XXXX for {$160000.00}. We put {$27000.00} down payment. 
We have been paying on the mortgage for over 26 years. 
The principal balance on XXXX XXXX, XXXX was {$110000.00}. 
The current statement as of XXXX XXXX, XXXX shows our principal balance is {$250000.00}. 

The problem starts in XXXX XXXX, our mortgage was transferred to Ohio Savings in XXXX without our knowledge or approval. 
On the first mortgage statement that we received from Ohio savings on XXXX XXXX, XXXX the principal balance was {$280000.00} exactly. 
There is no honest reason the principle balance went from {$110000.00} in XXXX XXXX to exactly {$280000.00} in XXXX XXXX. 
We are aware of the mortgage scandal during these years and believe we are victims of this scandal. This is residue from that scandal and could be a rising class action problem to emerge. 
XXXX XXXX XXXX sold our mortgage to Ohio Savings for {$280000.00} or the person handling our transfer entered the wrong principal balance when setting up our account. 

On XXXX XXXX, XXXX I alerted a customer service rep at CitiMortgage by phone about this issue. They recommended that I to fax the paperwork to XXXX Research Department. I followed their instructions of faxing the paperwork that I have to XXXX Research department on XXXX XXXX, XXXX. I have not heard back from them regarding this issue. 
I am aware of the law that states the loan servicer is required to acknowledge my request within 20 days and XXXX has violated those rules. 
On XXXX XXXX, XXXX ( one week later ) I received an email from XXXX stating that our account is being transferred to another lender. The lender is XXXX XXXX XXXX. 

We have been overcharged and have been paying overcharges on our mortgage for over 12 years. 
According to my calculations our mortgage principal should be approximately {$54000.00}. 
And we have overpaid {$90000.00} in interest over the past 12 years. 
I am requesting your assistance in settling our mortgage overcharges/overpayments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I had a loan with Santander Consumer USA from XXXX XXXX, TX, and just before I was refinancing with XXXX XXXX, my wife sent an early payment to them. We got a refund from them, but not in amount that our CPA calculated. My account number is : ,my name. We sent them a letter with a report from our CPA. but they did not reply. 
My phone number is Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Metro Republic Commercial Service, Inc.
State: CA

Complaint narrative:
METRO PUBLIC COMM SVCS has been littering my credit report with fraudulent claims of owing a debt. I 've instructed them I was the victim of identity theft & they continue to report unverified/unvalidated accounts or claim these are new accounts, reaging are violations of the FDCPA & FCRA. I would like all references of METRO PUBLIC COMM SVCS removed from all my credit reports ( yes plural ) immediately. I 'm attaching the police report again. If these accounts are not removed STAT i will be seeking legal representation for violations of the FDCPA & FCRA and seeking damages for intentional infliction of emotional & financial stress ...

Company response to consumer: Closed
Consumer complaint received 2015-04-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I had a consumer car loan from Santander Consumer of XXXX for about twoyears. I paid off this loan recently, overpaying by XXXX payments, XXXX x XXXX = XXXX. 
Only after I stopped payment from the bank, did Santander inform me. ( Odd that they were very quick to tell me when I was one day late, by not two months paying when I didXXXX not need to! ). Instead of simply crediting my account they sent me a DEBIT CARD. I went to the bank they told me to go to, XXXX, but XXXX told me they could not help me, because XXXX I had to call. I called XXXX times, and finally on the last call I got through to someone who told me that they were just a service company, and NOT Santander. They said I had the wrong card number, and that I had to call the company, Santander, and ask them for a paper check. The problem now is that the SAME number is for both the service company and for Santander! Catch XXXX. I consider their scam is to get me to sign up for a credit or debit card ( now in my hands -- a debit VISA ) that I do not want, never asked for. HELP! Since when are companies sending overpayments back by issuing credit or debit cards? All they had to do was send me a check or credit my account. This is a scam. Please stop it!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: AZ

Complaint narrative:
I received a threatening letter in the mail stating that if I do n't pay {$1300.00} by XXXX / XXXX / 2015 they are going to take repossession of my vehicle. After I have made XXXX car payments and they know I 'm out of work from giving birth to my son.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: ZIONS BANCORPORATION
State: UT

Complaint narrative:
After numerous troubles with fraudulent charges, unjust service charges, poor customer service and policies that change to suit the bank, we decided to bank elsewhere. In trying to make sure that auto charges are being switched over to the new account, I checked the account yesterday morning and found that XXXX auto-debit was floating and needed to be addressed. I immediately deposited cash to cover the " pending '' charges. During our problems with fraudulent charges, we were informed that " pending '' charges could n't be disputed or stopped because they had not been honored yet and we were forced to wait three weeks and face late fees from our mortgage institution and utilities because we had to wait a long period of time to have the charges investigated because of their " pending '' status. Additionally, according to their online banking site, there was XXXX item pushing my account to {$6.00} overdrawn and then they delayed processing the cash deposit so they could charge another item fee, therefore totaling XXXX item fees. When I checked this morning XXXX of my insurances had erroneously billed their account instead of the new account and I rushed to make the cash available. I was told that this " pending '' item was already being honored and that even if I got my insurance company to reverse the error, they would charge another item fee. I am complaining, because when the opportunity suits them " pending '' transactions can be held in cyberspace and the financial stability of my family can be left in limbo for days and weeks, but I can not address erroneous charges while they are " pending. '' I have no way of correcting or disputing charges without incurring fees anyway. Cash deposits should be immediately available funds and be able to be applied to charges that by the bank 's own admission have not cleared their institution yet. It leaves consumers powerless to prevent fees in erroneous situations while pursuing action against those improperly billing. Charging fees for charges yet cleared while not immediately honoring cash deposits only benefits the bank and unjustly penalizes the account holder.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation