vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: NC

Complaint narrative:
I purchased a XXXX Hyundia Accent for XXXX XXXX Hyundia on XXXX XXXX, XXXX the first contact had added costly services to include extended services, roadside, motor train, XXXX insurance, which at the time I had declined and asked the salesman XXXX XXXX to take out the services and charges. I called the dealer insisting the change or they could take back the care. XXXX responded its too late. I showed up to the dealership and spoke with the finance manager who kept claiming to be a XXXX as myself whom turned out to be dishonest and deceptive.The finance manager canceled the old contract provided a new one with a higher interest rate. He claimed Hyundia Motor finance would refinance a lower rate after 6 months.The total price was XXXX I made 22 payments totaling {$7700.00}. Today I called to find out the payoff and was told I owe {$13000.00}. The Rep ( XXXX ) explained more than half of my payment goes to interest and a {$5.00} daily interest rate is n't visible in the contract which is why she explains it to customers after the fact. I would have NEVER AGREED to that clause. I spoke to the elevation dept Rep XXXX who stated that Hyundia motor Finance will not change the APR even though I have two contracts from the Hyundia dealership. Hyundia is misleading customers, never called my references or verified my employment because they are taking advantage of female customers in an all men work place. The environment was very intimidating. They continue to call send emails and brochures to take back my care for a lesser price to put me in a more expensive car with old debt on top of the new payments. They are a foreign Entity misleading the XXXX XXXX with no Oversite. in XXXX these practices are going unchallenged and unnoticed due to a lack of education. I 'm asking for an investigation into Hyundia and a lower APR for misleading me twice. I have both contracts. Customer Service Rep XXXX then Escalating Dept Rep XXXX stated that Hyundia would not change the rate and does not refinance check with my Bank! Even though I went to a Hyundia Dealership to avoid this mess of small Mom and Pop and Bad Credit places I was treated Terribly after they got my first Signature and paystubs. I asked for a manger and XXXX placed me on hold came back XXXX min later stated manager was n't available yet. She asked if I would continue to hold or someone can call me back. I agreed to continue hold the it was silence then disconnected NO return call they have my number. I am asking President Trumps Administration To PROTECT the AMERICAN People from HYUDIA MOTOR FINANCE and companies like them.

Company response to consumer: Closed
Consumer complaint received 2015-05-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
On XX/XX/2015, I bought a new car, and traded in my XXXX XXXX for a XXXX XXXX. 
On XX/XX/2015, XXXX sent a payoff check to XXXX for the balance of my loan. 
On XX/XX/2015, Hyundai Motor Finance took an unauthorized payment from my checking account via ACH as they have been doing for 2 years. I called them, told them I no longer owned the car and asked them to cancel the ACH payments. They agreed, but told me it would take 30 days to refund my payment. I called my bank who managed to stop the payment. 
On XX/XX/2015, XXXX again debited my account for another full payment, but I did n't catch it until Saturday XX/XX/2015. My bank ca n't stop the payment this time, I was too late. 
My understanding of the definition of fraud, applies in this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Cash Express, LLC
State: TN

Complaint narrative:
I had a payday loan with a company several years ago and paid if off. Now after several years they are trying to reach me by phone to get me to come back and do business with them. when they call i dont answer so now they starting calling the references that i had listed on my original application with them. they called my wifes cell phone number and highly upset her, i feel as if my privacy was compromised. I will never do business with this crooked company again, i never gave permission for references to be called on a closed account. they are so desperate for business they have stooped to cold calling old customer and their references. Im sure there has to be some law that prevents this from happening. The call was placed from the XXXX, Tn store at app. XXXX and the number they called from was XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Dynamic Recovery Solutions, LLC
State: TX

Complaint narrative:
A debtor called me from Dynamic Recovery Solutions by the name of XXXX XXXX, and threatened me about a debt from XX/XX/XXXX. He stated my last payment was XX/XX/XXXX, and when I stated that I became unemployed shortly after that, and currently pay too much in student loans to handle any additional payments, he began revealing personal information. He literally threatened my credit and adding it to my credit history as he said " I see you have good credit right now, you have a couple of student loans, and it seems like you would n't want this held against you, but I can see you just do n't want to settle your debt. You are still being held responsible for this debt. '' I explained that I know my rights and it has been over seven years and he can not sue me or threaten my credit as it is past the statute of limitations, at which point he backtracked and continued to make back handed comments and insinuate that they would damage my current credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: Chrysalis Holdings LLC
State: MI

Complaint narrative:
I applied for a VA Interest Rate Reduction Refinance Program mortgage loan through NEW DAY Financial LLC Prior to closing the loan. I asked my loan officer about a two-tier Va Loan due to reasons that I had just found out about. The loan officer did not respond in a timely manner and I needed to talk to someone that had knowledge of this process. I went to another company and they explained everything to me and got me Preapproved for my move to Florida, I closed XXXX XXXX, XXXX with New Day Financial. For MY XXXX Loan and Later found out from my XXXX XXXX XXXX that I had signed a Occupancy Statement with New Day Financial stating that I will Occupy the property as my principal residence within 60 Days as of the date of closing in compliance with the terms of the Deed of Trust Mortgage/ Security Instrument relating to the subject Property, and I would continue to occupy the property as my principal residence for at least one year after the date of occupancy. Unless Lend otherwise agrees in writing or extenuating circumstances exist which are beyond my control. I have been the owner and primary residence since XXXX XXXX, XXXX, I called my loan officer at New Day Financial and explained to him that for medical reasons I needed to move to a warmer climate and I had found a home in Florida in which I can spend my winter months and I needed a release of occupancy from New Day Financial, because under the VA two-tier the home in Florida would become my principle residence and my home here would become a second home. The loan officer told me that do not or never have issued a letter of XXXX XXXX and they would not do it. Under VA XXXX rules the VA explained me that I had met my Occupancy Requirement under VA XXXX and Regulations and so I was now confused. If they never do a XXXX XXXX. How can they have me sign a XXXX XXXX that says otherwise. I do not have any Prepayment Penalties, so If I wanted to sell the home and pay off the Mortgage it was ok. It Just do not add up. the XXXX XXXX does not understand what they are talking about. The new Loan Company that is Funding my House is asking for The Occupancy Release and I am totally confused. I have a preapproval Letter from my New Mortgage Company, I found a nice home had my inspection, and XXXX, flew to Florida, rented a Car. Inspected the home, Have a Purchase agreement everything is set except for this XXXX XXXX. Can Someone Help Me Please. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Dynamic Recovery Solutions, LLC
State: CA

Complaint narrative:
dynamic recovery solutions keeps calling me about a debt that I know longer owe. I wrote them a letter to ask the to stop all communications about the debt but the continue to call me even more.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
Navient, the nation 's largest servicer of student loans, has for years misled borrowers and made serious mistakes at nearly every step of the collections process, illegally driving up loan repayment costs for XXXX of borrowers, according to lawsuits filed on Wednesday by a federal regulator and two state attorneys general. 
From XX/XX/XXXX to XX/XX/XXXX, CFPB estimates that Navient 's practices cost borrowers up to XXXX in extra interest by repeatedly enrolling borrowers in forbearance. CFPB also found that many federal student loan borrowers were unaware that the government could pay part of the interest charges on their loans when personal circumstances prevent borrowers from keeping up. 

The lawsuit names Navient and two of its subsidiaries : Navient Solutions, the corporate division responsible for loan servicing operations, and another subsidiary, Pioneer Credit Recovery that collects on defaulted student loans with the parent corporation. All three entities are charged with systematically making it harder for borrowers by incorrectly processing payments or failing to effectively act when borrowers complained. Instead of assisting borrowers with available options for repayment, CFPB charges that borrowers were steered into forbearance, a temporary and high cost solution that suspends payments but allows interest rates to continue accruing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/2017, I discovered XXXX ( XXXX ) had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately.

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 2016-06-22 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I had applied and was approved for a CitiGold Checking Account on XXXX/XXXX/2016 under a promotional offer. The promotional offer stated that I would receive XXXX XXXX XXXX AAdvantage miles by spending {$1000.00} on my debit pin-enabled card in transactions within three months from account opening. I also needed to make two bill pays with the account in separate months. I completed all of the requirements within the three-month frame ( completed on XXXX/XXXX/2016 ) and then confirmed multiple times with the customer service team at Citi that I was eligible & had met the terms of the promotion for which I signed up for. 

I have saved documents of my chat history with customer service representatives both confirming that I was eligible for the promotional offer & that I had subsequently met all requirements to receive the miles offered by the promotion. The promotion states that XXXX AAdvantage miles will be credited to your account within 90 days from meeting the promotional requirements. Since I met the requirements on XXXX/XXXX/2016 & it is now past the requisite 90 days, I am now filing a formal complaint to expedite the process of receiving the miles Citi has not given me as a result of the Citigold offer.

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 2016-11-01 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Citibank has been reporting the regularly reducing balance on my Home Equity Line of Credit that entered the repayment phase over two years ago, as a reduction in my credit limit to the credit reporting agencies. This is having a negative effect on my credit every month despite the fact that I make my monthly payments on-time. Every time that my husband I pay our monthly HELOC bill ( no longer drawable because it is in repayment ) Citibank reports this as a reduction in my credit limit, thusly negatively impacting my FICO score rather than positively affecting it through regularly timely payments. I have made many written attempts and countless phone calls to remedy this with Citibank as well as the credit reporting bureaus XXXX, XXXX, and XXXX. These including letters written by XXXX different lawyers who have indicated that they are in violation of the fair credit reporting act. I have proof in the monthly credit alerts I receive from XXXX that this is happening and has been happening for over two years. In addition I have copies of my credit reports that show the errors. Beyond that I have copies of my monthly statements which indicate completely different information than what Citibank is reporting to the credit bureaus. Citibank even indicted in a letter that there was an error to be corrected, which was to occur within 30 days, which they never corrected. They only consistently ignore repeated attempts by myself and my lawyer to correct the situation and continue on misreporting the information anyway. I am hoping that the CFPB may help me to achieve resolution of this matter that has gone on far to long to the great detriment of my credit rating and therefore my credit options as a consumer. In the process of discovery of what is going on, we determined by signing up for credit monitoring for my husband as well that they are doing the same thing to my husband, who is a joint signer of the HELOC with me. In studying the CFPB database it appears that another customer has encountered the same type of problem. That problem as reported has the case # XXXX. I hope that you may be able to help me get resolution for this incredibly vexing problem.

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 2016-03-29 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Best Buy included a Debt Protection Fee in my statement. This is something that I did not ask for when I made my purchases. I caught it on the first statement but there may be many who do not notice the fee. I called the number on the statement and spoke with a customer service representative. I asked them to cancel the charges. She stated that she would and started to end the call. I asked if the charge was going to be taken off my current statement. She stated that she could not do that but would ask for a refund. Best Buy adds additional charges, makes you call them to cancel and tries to avoid removing the charge. They should not be able to automatically charge these debt protection fees without authorization from the consumer.

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 2015-12-28 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My Citi Thank you card ( reported 2 months ago ) does not reflect the true balance of the actual amount I owe. I have confirmed this with City. Please find the attached which will be mail to the office of the president. As it appears Citi likes to work at a glacial pace, I will be submitting the following which I have generated today. Having just spoken to XXXX in disputes, she did in fact say that the activities are more accurate than the PDF statements and that the PDF statements are sometimes 3 months behind with credits. 

I am attaching the activity spend of XX/XX/XXXX and XX/XX/XXXX. Reflecting a true balance {$4200.00}. 

Furthermore, I am attaching the PDF bank statements that show the discrepancy. LET THERE BE NO CONFUSION, THIS IS NOT A REVISIT INTO DISPUTES, FRAUD OR ANY SUCH MATTER BUT AN AUDIT OF WHAT WAS CHARGED AND CREDITED. 
FYI. ALL MY OTHER CITI CARDS PDF STATEMENTS MATCH THE ACTIVITIES REPORT. JUST FRUSTRATED I HAVE BEEN OVERPAYING NEARLY $ XXXX, OF CHARGES THAT WERE NOT MINE.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
In XX/XX/XXXX we applied for a home modification loan with CitiMortgage. During the 3 month trial period, CitiMortgage foreclosed on our home and sold it without notifying us. This was in violation of the written terms of the modified loan agreement. We contacted the Arizona Attorney General and they made CitiMortgage reverse the foreclosure and return the home we had been evicted from in XX/XX/XXXX. This is a simple violation of contract issue and they admitted in a letter to the AZ Attorney General that they wrongfully foreclosed on our property. We had considerable expenses in rental property, moving expenses, home repair from property neglect during our absence. CitiMortgage sent us a check in XX/XX/XXXX to cover part of it but we returned it in order to collect the full amount of rental expenses. Since then, they have never responded to our requests for a settlement of the amount due. They were at fault and caused us significant grief as well as expenses. The least they can do is pay the debt they created.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I began applying for a loan mod with Citibank XX/XX/XXXX. 
I almost bled to death on XX/XX/XXXX from a bleeding ulcer which I experienced due to internal pressures such as the one I am writing about right now. 
The " only '' reason I am able to write this now is I was fortunate a friend was with me when XXXX. 
After a year of getting what felt like the runaround by Citibank lower level loan mod agents which began on XX/XX/XXXX I filed a complaint with the CFPB XX/XX/XXXX. 
After being denied a loan mod by Citibank on XX/XX/XXXX in writing and via telephone due to intercession by the CFPB I was notified on XX/XX/XXXX my loan mod was now accepted. 
On XX/XX/XXXX I received an acceptance letter from Citibank. 
After the loan mod was accepted I was informed by agents of Citibank that the terms of loan were to be 2 % for 40 years. 
During a subsequent phone call a Citibank agent informed me that the loan mod would be at 2 % but would adjust upwards after 5 years maxing out at 4 % after 5 years. An adjustment I could survive with since I will not live in my home for 5 more years but it would provide me time to make adjusted payments of {$580.00} providing me time to fix house as best I can, sell it and move " somewhere ''. 
Yesterday on XX/XX/XXXX after getting the " permanent '' loan mod documents f from Citibank " changes '' in the terms appeared. 
The " terms '' changed from 2 % for 40 years to 2 % for 30 years increasing my monthly obligations prohibitively additionally changing the 4 % cap after 5 years to 4.25 %. 
Per the " permanent '' loan docs I received Citibank wants these docs with original signatures returned by XXXX. 
I called Citibank to discuss discrepancies in the permanent loan docs but was unable to speak to the agent handling my case until Monday XX/XX/XXXX at XXXX PST at which time " he '' is supposed to call me.

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 2017-03-10 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA
State: NJ

Complaint narrative:
I could not afford the monthly payment and I called multiple times asking for help. They said I had no deferment and I explained I wanted to pay but I could n't afford the amount. They told me there was nothing that could be done i had to pay that amount and I could not speak to a supervisor because they would just say the same thing. I called almost 10 times asking for help. Finally on the last call, the representative told me to " just pay what you can and it 'll be fine as long as you pay something " I was paying between XXXX-XXXX a month the whole time ... in good faith. Finally I get a call my loan had been defaulted and was sent to collection agency. America education services is a money sucking leech. They do not want to assist and keep reporting me to my credit even after it was sent to collections. Now my credit is horrible and shows default which is usually assumes non payment when I was paying every month and the would not do a thing to help lower my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 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: MD

Complaint narrative:
There is an account reporting on my credit file with XXXX XXXX and I requested the credit bureaus to investigate this. The results from the bureaus indicated it was mine. However I had a representative contact XXXX using a power of attorney and they told her that they could not locate any information with my social, date birth, address etc., I then submit a letter directly to XXXX asking for validation of the debt since they could not locate me by the above. The letter I received was nothing more than statement from their company stating I owe it. The even more frustrating part is how are they able to locate my information now when they could n't before? All that information was given to them initially to locate the information and the did n't. How do I even know if they did n't input the information when I had the representative call? There was nothing sent to me with my signature, payment history from previous company etc.

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