vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I purchased a new vehicle from XXXX XXXX XXXX XXXX, California on XXXX XXXX, 2015. The car was a 2015 XXXX XXXX XXXX and decided to do the 0 % financing and put {$5000.00} down @ XXXX mos. My credit score was over XXXX! After XXXX months of calls from Chrysler Capital financing, a " XXXX '' requesting excessive documentation, personal bank statements, " how 's the money coming in '' ( really should n't matter where 's it coming from ) other than my net worth well exceeds the value of the vehicle. With the assistance of my financial institution XXXX XXXX XXXX XXXX company could not believe what Chrysler Capital financing was putting me through and the inconsitencies with requests!! Examples : XXXX XXXX - tried calling XXXX at the number that you gave me, nothing but a busy signal. XXXX the number to make sure I had it right, still busy. 
XXXX XXXX - tried the number numerous times during the day, still busy. 
XXXX XXXX - XXXX called in and we spoke. She was looking for employment info, which I told her I could not provideXXXX XXXX - XXXX called ( acting like it was the first time we had spoken ) and requested statements. I sent her the statements per my conversation with you. 
XXXX XXXX - received a message from XXXX, again acting as though she had never contacted me before, asking the I send the statements. I resent the statements and emailed XXXX XXXX XXXX - Spoke with XXXX at XXXX XXXX dealership and sent him the statement once again. 
In closing, I could of out right purchased this vehicle cash, but choose to do the financing. Having said that, if I was treated so poorly I would of never gone through this ordeal. On Sunday, XXXX XXXX I received a call from the Finance Manager, XXXX at XXXX XXXX apologizing for how I was being treated and that the loan had finally gone through. Returning home from vacation on Friday, XXXX XXXX to find a note taped to my front door from Chrysler Capital - " Urgent Notification - Account Default '' Really completely blown away!! XXXX weeks after getting a call from XXXX ... now my thoughts are what the XXXX is going on?? Called Chrysler Capital on Monday, XXXX XXXX and spoke to a XXXX, Manager in Servicing and I immediately asked her where is the statements, coupons reflecting what 's owed. She could not give me an answer and said that NO documentation had been sent to me even when I explained that the loan had been finally funded. Lack of complete communication ... I did n't know what to think other than, a real poor way of handling customer 's and NO XXXX people know what the XXXX is going on!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
Receiving calls about every XXXX minutes on home phone ... will not leave a message on answering machine and will not identify ones self ... Start conversation by saying this call is record .... Then I reply I do n't give authorization to be recorded..and hang up ... We are constantly blocking these XXXX service numbers. I did a number search and the number belongs to Miland Funding..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, WI failed to Bill Medicare within the 1 year limit for services. They have turned the account over to Transworld Systems Inc. for collection despite my providing proof from Medicare that this was an error their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
In 2006 I purchased a XXXX Ford Taurus from a local used car dealer. The contract was through XXXX XXXX XXXX for 72 months at XXXX per month. I had enrolled in a XXXX school to change careers so I needed the car. A short time later, I received a letter in the mail informing me that my loan had been sold to Santander of XXXX and that they needed me to sign a contract in order to keep my loan current. After I signed the paper it seemed that I was already late on my loan. I continued to make the payments until I had a hardship. I called Santander and asked if they would roll my payment over to the end of the loan. They were all too happy to help. I think I had to do this two other times as I was in school full time. When I got to the end of the contract I noticed that I owed something like XXXX at the maturity of the loan. I called Santaner to ask what the error was about, and I was informed that it was n't an error because they compound interest daily and since I was late from the beginning of the loan that I still owed the money. I paid the last payment ( 72 ) as per my contract with XXXX XXXX and considered the loan paid in full when I sent the last payment by check. After a few months a truck came to my door at XXXX XXXX and took my car that I had paid over XXXX for. At this point in time my wife was using the car to go to her Dr. appointments. Santander has stolen my car, took my money, and damaged my credit, and continues to put CO ( charge off ) on my credit report every month. I got advise from an attorney and the law firm I used said that Santander did nothing wrong. I contacted the Attorney General in Texas and I was informed that they would not speak to him because he was n't on my account. To this day Santander Consumer USA continues to damage my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
They continue to call and do not owe debt. They will not give me their companies information or my account #.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
Purchased a car XX/XX/XXXX from XXXX in XXXX that was financed through santander consumer usa. i lost my job XX/XX/XXXX and fell behind my payments XX/XX/XXXX. Santander repossessed the vehicle without prior notice on XX/XX/XXXX and sent me a certified letter dated XX/XX/XXXX which i received a several days later. I called them at XXXX that morning and the rep i spoke to had no record of the car being repossessed and told me to call back. i called back at XX/XX/XXXX and was told they have the car and i had 10 days to pay XXXX to bring the loan current and keep making my payments or the car would be auctioned off. I made the payment on XX/XX/XXXX and they at that point informed me that the car was already at the auction site which is over XXXX miles away. Instead of bringing the loan current as earlier discussed they went ahead and charged off the loan and added collection fees.

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

Complaint narrative:
On XX/XX/2014 I purchased a 2013 XXXX XXXX from XXXX XXXX XXXX tx they acquired financing from Santander consumer USA at an interest rate of 15.66 % approximately 2 weeks later they told me the finance company was not honoring the extended warranty cost into the financing because they wanted to keep my payment in a certain range, they called me in told me I could keep my truck, or have no vehicle unless I signed a new purchase agreement with a " higher '' interest rate charge the dealership/finance company backdated the agreement so it looked like the original agreement the new interest rate is 16.32 % on less money borrowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I PURCHASED A CAR THRU XXXX XXXX XXXX IT USED SANTANDER CONSUMER USA TO FUND THE LOAN ... I HAVE BEEN CALLING THIS COMPANY FOR THE LAST 4 MONTHS INORDER, TO RECIEVE A CURRENT STATEMENT ON MY VECHILE LOAN ON A MALIBU CHEVY CLASSIC XXXX I BOUGHT THE CAR BACK IN XX/XX/XXXX STILL MAKING PAYMENTS.. MY ACCOUNT IS CURRENT AND NO FEES OWED ... THEY STILL KEEP LYING ABOUT MY MONTHLY STATEMENTS ..I HAVE TALKED TO MANAGERS.. ECT.. NO HELP I BELEIVE, I HAVE OVER PAID THIS CAR LOAN.. THE CAR SOLD FOR XXXX AND I AM STILL PAYING ... THEY '' SAY I NOW OWE XXXX '' BUT THEY WILL NOT SUBMIT AND CURRENT STATEMENT TO ME AND KEEP LYING SAYING THEY ALREADY SENT IT SINCE, XX/XX/XXXX ... AND I STILL HAVE NOT RECIEVED NOT ONE, COME ON ... THEY ARE RUDE AND MAKE YOU FEEL LIKE YOU ARE THE PROBLEM THAT NEEDS TO GO AWAY ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-30 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: KS

Complaint narrative:
My lease with Chrysler Capital was paid off on XXXX XXXX XXXX. They continue to display my account as past due. I have called several times to verify status and am told to wait a little longer. On XXXX XXXX XXXX at XXXX XXXX, I spoke with XXXX who advised there was a payment pending, she transferred me to XXXX, who at XXXX XXXX told me that my lease was coded as purchased and to be closed, that there were no monies due, and that it should close before XXXX XXXX XXXX. I called again on XXXX XXXX XXXX at XXXX XXXX and spoke to XXXX who advised me that the account is marked as {$0.00} and pending close, and that it *should not* report to any credit bureau as it should close out. At this point I have no faith that Chrysler Capital will keep their word. I do not want any blemish on my credit as result of their incompetency!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Back in XXXX bought a car. XXXX down payment of {$4000.00} cash {$2000.00} rebate apr 0.9 percent retail price of the car is {$24000.00} and monthly payment of {$440.00} for 6 years thats what i sign for suddenly my contract change make story short i was paying $ XXXX monthly and the interest almost half of what i pay. My down payment of {$4000.00} and rebate {$2000.00} never deducted from my account. I have the history of the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Citicard changed my interest rate without prior notice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: Synovus Bank
State: DE

Complaint narrative:
At one point I had troubled credit. I applied for a First Progress secure card. I started out with a {$300.00} limit due to that being the amount of my deposit. I fell on hard times and was not able to continue to pay. I stopped paying the card in which I assumed the deposit would be used to satisfy the debit and account would be closed. Now they are report the account as charged off due to late fees that accrued on the account for XXXX months. In addition, with the item being charged off they are reporting the items as currently delinquent. My problems are below 1. How can a company report something past due each month if the account is charged off 2. How can a company over draw a secure account with fees if the usage of the account never let me overdraw the account? 
3. The company was not able to reproduce my original application to show validity of account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: OR

Complaint narrative:
I took out a car loan with Chrysler Capital for a new car. My contract reads " Payments will first pay interest owing to the date you receive my Payment, then Late Charges, and the remainder will reduce the Principal Balance I owe. '' My contract also states " If I pay off early, I will not have to pay a penalty. " On the first month I made a double payment on XXXX check and in the notes I requested the overage go to principal. The payment was applied to the current months payment and the following month 's payment rather than my principal. I called in and they said that I needed to create a separate check that said " Principal Only. '' They corrected it so the second payment did go to principal. 

On the second month, I sent in two checks one for my payment and a second that said " principal only '' for a round number slightly less than my car payment. They apologized for the error and corrected it so the second payment did go to principal. 

On the third month, I sent in two checks one for my payment and a second that said " principal only '' for a round number slightly less than my car payment. This time they DID credit the principal only check to principal but they DOUBLED the interest on the check for the monthly payment and pushed the next payment two months further instead of applying it to principal. In other words, they did the same thing but tried to get cute with the accounting. 

I called and the person I spoke with said that I would have to call in each month to get it fixed. I said no, ma'am that 's not acceptable. My contract reads that overages will be applied to my principal. While I bent some with the separate check request in the spirit of cooperation, the truth is I should be able to send XXXX check in for {$1000.00} and have it applied exactly how my contract reads. They expect me to follow the contract or there are all kinds of penalties for me ; they should also have to follow the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21 00:00:00
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Santander Consumer USA Holdings Inc.
State: NM

Complaint narrative:
I received a " packet '' delivered to my door by a gentleman. I asked him if I was being served and he said that the only information he had was that it was from XXXX XXXX. The papers resembled a court summons complete with trial number and everything. I immediately went onto my metro court website and I could not find any complaints filed against me and when searching the case number I had no results. The debt they are collecting on is past the four year statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Santander Consumer USA- Financed me and my mom as a co signer. 
I had the car for about a year and got into a car accident, the tow truck driver that tow my car stole my car and took it to a scrap medal place and got {$500.00} for the car. He texted me it. Santander knew what was going on because they even had to get their lawyers involved because they could n't get the car back from this tow truck driver. Now They have try to stick me with a repo for something me and my mother had nothing to do with. I am a single mom with XXXX kids and unable to get a car because of this. Santander is very unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Best Buy credit cards services has been charging me a fee for Debt protection for the last 10 years. I did not sign up for this program and when I found out I was being charged I cancelled the program and asked for proof of enrollment. Citi bank debt protection is consistently telling me to wait 30 days and they will mail me information about the refund or proof of enrollment. I have waited the 30 days and now they are telling me I am having to wait another 30 day waiting period.

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 2016-09-16 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My Citibank checking account was closed after a bit more than 2 months without any explanation. Sequence of events : 1. XXXX XXXX - Account opened online. 
2. XXXX XXXX - While on vacation overseas, a letter was sent to me requesting a XXXX form. I did not reply to the letter until XXXX XXXX, when I returned from vacation. 
3. XXXX XXXX - Account was closed. A check for the balance was sent to my address. 
4. XXXX XXXX - Received a message from Citibank that a new checkbook has been sent to me. 
5. XXXX XXXX - Received a message that my account is now open. 
6. XXXX XXXX - Received a checkbook. 

I made two phone calls to Citibank support and have visited a branch once. 

On the first phone call I have been told that my account was closed and that I will receive an explanation for the closure via mail. To this date I have not received mail with an explanation or even a confirmation that my account was closed. 

On the second call I was told that the message telling me I will be receiving a checkbook is related to the check that was sent out for my closing balance. That was on obvious lie, as a week later I have received an actual checkbook for an account that was already closed at that point. 

During my visit to the branch, the CSR explained that my account was closed due to some document they were missing. He could not tell me which document exactly was missing. 

To this date : - I have not received any explanation as to why my account was closed. 
- I have not even received written confirmation that my account is in fact closed. 
- I have in my possession a checkbook that was sent to me after the account was supposedly 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 monetary relief
Consumer complaint received 2015-08-20 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Financial Asset Management Systems Inc
State: KY

Complaint narrative:
I came to a settlement arrangement with FAMS on XXXX/XXXX/15 and paid this debt in full on that date. I have the settlement letter stating the debt would be settled with payment and the receipt where I paid. Since then they have continued to bill me and have failed to release a judgment lien against my husbands property. They still show my account with a balance of {$9400.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01 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 established a custodianship account for my son at Citibank ( account # XXXX ) in connection with his travel to XXXX. Given the lack of resources at the branch in XXXX, it took XXXX visits to the bank and a 2.5 hour wait to establish the account. After receipt of a permanent ATM card, as requested, we contacted the bank to alert the bank of his travel to XXXX. The call took over an hour and my son, XXXX, was required to speak with them to address the matter. He is now in XXXX and unable to use his ATM card as the fraud department blocked use of the card. I have contacted Citibank. The Fraud department has not been able to assist. I must visit the branch again. There seem to be substantial system-based problems with Citibank 's operations...

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 2016-04-06 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I had applied for XXXX XXXX XXXX XXXX More Credit card from Citibank and the same got approved on XXXX XXXX, 2015. The card has an annual fee of {$95.00} and it has an offer related to refund of up to {$650.00} incurred towards purchase of new cellphone from XXXX XXXX XXXX after consumer spends {$2000.00} within 3 months. I purchased an XXXX XXXX XXXX from XXXX XXXX XXXX XXXX for {$740.00} at XXXX XXXX, Ohio on XXXX XXXX, 2015. I promptly faxed the receipt to Citibank Customer care ( Fax No XXXX ) around XXXX XXXX, 2015. The same had been acknowledged by Customer care as well as XXXX XXXX, Executive Response Unit from Citi Bank. I met the purchase target of {$2000.00} within 2 months instead of stipulated 3 months. However, I am yet to receive my refund of {$650.00} from citi bank. Every follow up is met with standard reply that it will take effect in next billing cycle. Today, I have been informed by citibank that they do not have the Fax copy of my receipt and would like me to send it back in order to avail the offer. I feel I have been cheated by the fraudulent advertisements of citibank and Citibank is intentionally misplacing documents to avoid paying the refund amount of {$650.00}. Please initiate suitable action against citi bank for fraudulent activities. Please find a similar CPFB case logged earlier for the same card ( Case # XXXX ). XXXX XXXX XXXX from CitiBank had called up and expressed false intent to resolve the issue. However, subsequent calls barring one customarily lands up on her voicemail which she never cares to return back.

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 2016-11-19 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I called Citibank and paid for $ I owned them but they still blocking me from apply for a new credit card. I am working for credit card company, have a perfect credit history, also been bankfile with them for years ( over 30 years now ). Since Costco start offering CitiVisa, for my convinience, I applied once and was declined at Costco. I can go and apply for $ XXXX but not able to get a CitiVisa. This is crazy and shameful.

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