vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-15 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:
We have a equity loan with Citibank and they sent us a letter that is was in repayment and we had XXXX options to choose from. to put it all in a fixed rate which would double our payment half in fixed and half in a variable. ( which we chose ) or all in a variable. Well by choosing to split it, it assigned XXXX accounts numbers to the loan. I called to see if we could just put the accounts together and they said no, we would have to refinance. When I called to refinance they said that we could n't refinance. We are planning on moving in the next couple of years so it would not benefit us to shop around for a new loan. We I sent the payments in they keep misapplying them to the wrong account. I keep getting past due notices, I call and they say they are correcting it but then the next month the same thing happens. I made the payments on line and they told me that was causing the problem. so I said should I just make them at the bank and then they told me I cant make the payments at the bank because they wont process correctly, so they told me to call in.I called in and they said I need to mail it in or it wont process correctly. How can you give me a loan and not be able to process the payments correctly. When I asked if they are reporting me late to the credit agencys that said they do n't know I will need to check my credit report. Every person I speak to give me a different answer, and then they are calling me for collections when they are still researching my payments. I want them to process my payments correctly, this is getting very frustrating.

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 2016-07-21 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Kross, Lieberman & Stone, Inc.
State: TX

Complaint narrative:
I do not answer unknown numbers because of frequent solicitation calls, I received about XXXX phone calls within the span of a day and a half, the caller would not state his business and would just leave a name and number to call back. All of these calls were during business hours when I 'm not able to use my cell phone for personal business. I called the number back when I got a free minute on my lunch hour and spoke with the gentleman, he let me know it was to collect a debt, I asked him if he could please mail or email me a statement so I can make sure it 's valid, he gave me an email address to request a bill, I emailed requesting a bill the same day, I did not receive a response until the next day with my name spelled wrong on everything, I asked them to correct before I make payment. I continued to receive multiple calls while corresponding and cooperating via email.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
My husband and I bought electronic equipment on a Best Buy credit card, which account was opened specifically for the purchase and which carried no interest for 5 years. The account is held by Citibank. I immediately set up an automatic payment for the account, paying half of the minimum due every two weeks. At the time, my husband and I were employed at a company that pays every two weeks. My husband is still employed there ; I have since retired. No further purchases have been made with this credit card. 
In XXXX XXXX, I discovered that I 'd accidentally set up the payment for a single payment of {$57.00}, payed in XXXX XXXX ; I promptly paid the {$130.00} due, bring the account current. I have been paying {$28.00} every XXXX weeks since then. 
I just got a phone call saying I owed {$110.00} because of a late payment. I did n't understand how I could be late when I 'm paying an extra full payment a year. I spoke with the manager and she finally told me that my payment hit on the XXXX of the month, when I was supposed to make the payment no later than the XXXX. I asked how I could be late when I was making an extra payment every year and she said that we were not allowed to pay the account early!! I was charged over {$200.00} in late fees last year, by their own admission, because I paid my account early and the funds were applied to my balance rather than to the next month 's payment. 
I have brought my account up to date and have changed the payment date to the XXXX of each month and the payment amount to the full minimum payment. 
I feel that Citibank engaged in deceptive practices in order to charge late penalties.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-11 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
XXXX XXXX reported 60 days late payments to the credit bureaus, for missed payments that are the result of their billing systems errors. My account has been set up with the XXXX XXXX Auto payment that pays {$100.00} on the XXXX day of every month. In XXXX and XXXX 2015, the Auto Pay feature failed, and XXXX XXXX has not been able to determine the cause of this problem. I am requesting help to expedite XXXX XXXX process and timeframe for removing the erroneous late payments from my reports with all of the credit bureaus.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-24 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Citi approved a fraudulent credit card in my name. A Citi representative revealed to me that Citi " pushes through ' applications despite the fact incorrect information was used to illegally obtain a credit card in my name A Citi representative was combative & hung up on me, the victim of Citi illegally issuing a card to someone using some of my personal information

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 2016-03-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
hello my name is XXXX XXXX and I believe I am being ripped off by the XXXX XXXX XXXX in XXXX I bought a XXXX dodge caravan that had a 5 year contract to own. in the XXXX year the whole computer mother board went up which they said was very rare we went back to the XXXX XXXX dealership and they put us in a XXXX dodge caravan which was being test drove so it had XXXX miles already on it it was going good until after 6 months the tires had to be replaced then it kept making horrible noises and shaking so we took it to the dealer where the fixed it it took almost 2 weeks then 4 weeks later the same issues with the shaking we put it back in the shop and it stayed there for a week then the issues started again so when we called the XXXX XXXX dealer and they said they were recalling the XXXX XXXX caravan and it would be bought back from us so that is what we did it was alot of other people doing the buy back program the car still had a balance due of XXXX the dealer said they were buying the van back from us for XXXX and the difference would be put on the new loan for XXXX so XXXX and XXXX was supposed to be the new loan they also said the same lender was financing the XXXX loan and i was getting XXXX off of that ..so I received a statement from XXXX XXXX stating that I owe them XXXX and that they financed my loan and that the XXXX is the principle of the loan and that my payments are XXXX dollars a month for 6 years ... .I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: WINN LAW GROUP, APC
State: CA

Complaint narrative:
I WAS SUED AND THE LAWFIRM SERVED A MINOR. WITHOUT KNOWING MY RIGHTS, I OFFERED TO MAKE MONTHLY PAYMENTS ON WHAT I BELIEVED I OWED. SINCE THEN, THE LAW FIRM CAN NOT PROVE WHAT I OWE AND WHAT MY ACTUAL BALANCE IS. EACH BALANCE THEY ATTEMPT TO GIVE IS SUBSTANTIALLY DIFFERENT INCLUDING THE BALANCE THEY SUBMITTED ON A BANK LEVY. I BELIEVE I MAY HAVE MORE THAN REPAID WHAT I OWE BUT WINN LAW GROUP INSIST THAT JUDGEMENT INTEREST IS THE REASON MY BALANCE KEEPS DOUBLING. THERE IS NEVER A CONSISTENT RENDITION OF WHAT I OWE NOR HAVE I BEEN PROVIDED A LEGITIMATE ACCOUNTING DESPITE MY REQUESTS FOR SAME.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, National Association
State: MI

Complaint narrative:
First servicer went bankrupt, FDIC supposedly gave my mortgage to new service. 
I have asked numerous times in writing to verify if I owe any debt and to who. 
New servicer claims they are a creditor, however they sent me documents that I believe are not true. 
The allonges are very confusing. 
I do n't believe my payments are going to the right person.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
In 2012 I went to XXXX of XXXX XXXX Georgia. At the time I had {$2000.00} to get a used vehicle. When I went into XXXX I advised what I was looking for because I was in bankruptcy. The sales man said I could get a new car with that amount of downpayment and they had authorization from the bankruptcy court. I spoke with the female sales manager and she reiterated the same. After talking to my bankruptcy attorney I was advised that was not the case and the court would not approve that amount. I called XXXX but they advised there was nothing they could do the loan was through santander. I called santander and advised I had to turn the car in. I did not have a choice the loan was not approved through the bankruptcy courts. Recently I pulled my credit and Santander has the loan in accurately reported on my credit file and also also it to another company. So it is reported as XXXX collection/delinquent accounts. This should not be on my credit file because the loan should have never been given especially under false information. It was evident I was in open bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: KY

Complaint narrative:
36 times since XXXX 2016 have tried to buy car XXXX of the XXXX credit bureau shows I 'm not listed by Chrysler Capital I have paid 2 1/2 years on this loan Chrysler Capital is treating me like a nobody but they accept my payment to which have been made on time at this time I want to be left as a " NOBODY '' My rights have been violated By Chrysler Capital and If Chrysler Capital puts anything about payments back in credit bureau they will be admitting they have done me wrong my next step is to get a Lawyer if Chrysler Capital wants to talk to me it will be eye ball to eye ball I accept nothing From Chrysler Capital until " HELL '' freezes over THank You CHHRYSLER CAPITAL FOR NOTHING

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
I entered into a written contract with XXXX XXXX who then sold it to Santander consumer usa. In the contract is states on the back that, " Oral agreements or commitments to loan money, extend credit or to forbear from enforcing repayment of debt including promises to extend or renew such debt are not ENFORCEABLE. To protect you ( borrower ( s ) ) and us ( creditor ) from misunderstanding or disappointment, any agreements we reach covering such matters are contained in this writing, which is the complete and exclusive statement of the agreement between us, EXCEPT as we may later agree in writing to modify it. Santander breached this agreement when they offered me deferred payments without modifying my contract in writing. I will be mailing another copy of my contract via usps when i receive the hard copy complaint form in the mail. I am unable to upload a copy to attach to this form. I DO NOT want to be contacted via email since I never received a reply from my first complaint. To keep this from happening again i prefer to receive all contact by regular mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
I wish to file a complaint and request a investigation of practices of Santander Consumer USA of Texas. This organization has no control of its representatives nor its vendors. The # of complaints regarding this bus business are beyond count and indicate a clear pattern of mistreatment of Consumers. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, National Association
State: CO

Complaint narrative:
I had a first mortgage with New York Community Bank. They received a payoff for this loan on XXXX XXXX, 2016. We are supposed to receive a check for an overpayment and money from our Escrow account. We have not received a check. 
It has been 23 days since they received the payoff. I would like to know what is going on and why we have not received the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: ID

Complaint narrative:
I had an auto loan through XXXX - they went out of business and sold the loan to XXXX Bank. The car was included in my Chapter XXXX BK as a surrender. My attorney called them to pick the car up but was told they had no loan in file and had no interest in the car. The car is broke down & costing me storage fees. I want them to pick up the car of send a lien release to the Idaho DMV.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: FRIC HOLDING CORPORATION
State: AZ

Complaint narrative:
I was granted by a XXXX Bank a credit card sometime in year XXXX. With a covered protection plan. However, During the same year I lost my job due to XXXX at work and got layed-off. I informed the XXXX Bank of my situations and asked them to apply my protection plan. Then, I never heard from them. And on XXXX I received a summoned to appear in court and I found out that my account was sold out to First Resolution investment. It was Handled by XXXX XXXX with postal address at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX. I was n't able to attend the hearing XXXX as the result of the XXXX. And was n't able to review the material facts as a result. Worse, I only have XXXX and the right totally XXXX. And XXXX was advisable for me anymore. Except XXXX w/o a guaranteed result and I ca n't afford. I learned from some that my account might already run-out of status from the last time I made a payment to the XXXX Bank. And the said bank was sued for the same reasons for defrauding their customer with the added Protection plan by the Court in the State of California in year XXXX. In which I was not aware until I found out in the internet recently. Atty. XXXX XXXX had garnished my salary and took 25 % of it in XXXX to XXXX until I was layed-off. Collecting more or less {$2000.00} USD from my employer XXXX XXXX. Now, I am XXXX with progressing XXXX is getting bad. But, Atty. XXXX XXXX want me to pay them {$10000.00} after taking more or less {$2000.00} from my pay. The First Resolution Investment never gave me any last statement from the XXXX Bank. I am appealing for your Good office to help me with my situation. By getting the Information from the New account holder. As the First Resolution investment no longer exist. But, a new Debt collection took over all the files from the Debt Buyer who bought my account from the XXXX bank. Atty. XXXX XXXX never inform me that the First resolution Investment was already dissolved and he is still representing the First Resolution investment to enforce the collection of debt. By adding more attorneys fee 's ETC to balloon my balance of debt. Even those New credit cards are giving their new customers Interest free for XXXX months. I am unemployed with a XXXX children too. I hope your good office will help me shed light the matter. This an old debt and the status of limitation was overlooked. and all the statement from the XXXX bank will proved that they have been taking monthly payment for Protection plan from me. the reason the California Supreme Court had slap a XXXX millions fine at the XXXX Bank. And I was one of the victim. Hoping to hear from your good office sooner or later.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
My car loan was sold to Santander Consumer USA ( acc # XXXX ) in XXXX XXXX. I was subsequently laid off and fell behind in my payments then asked all my creditors including Santander for some temporary help until I can be re employed, this occurred around XXXX XXXX. Santander decided to place the past due payments at the end of the contract, to which I agreed. However apparently the very payment which was then due was not included unknown to me. For three years I was billed a late fee which averaged approximately {$24.00} monthly. After I realized what was happening I contacted Santander to seek relief and the reason why that payment was not included in the verbal agreement. None of the agents I spoke to were willing to help, I finally wrote Santander but I have gotten no response. I find it ridiculous that they would do something like this as why this payment could not have been included. I have continued to pay my loan every month since while the unjust late fees continue to accumulate to approximately over {$900.00}. I seek help in getting this late fee overturned. I am a pensioner and live on a fixed income and do not have the money to satisfy Santander 's greed. I was advised to contact you for a resolution. 
Thanks, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: Green Square Company LLC.
State: CA

Complaint narrative:
calls everyone in my family and Claims there is Fraud Associated with my SSN, but will not send mail or letter confirming, the call originates from XXXX ext XXXX " Office of XXXX XXXX '' also know as premier recover group. 
they call my family and work harassment with false claim I owe a debt, this is a scam or Fraud.

Company response to consumer: Closed
Consumer complaint received 2016-09-02 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: Flagstar Bank, National Association
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX, my address is XXXX XXXX XXXX XXXX XXXX FL XXXX. I listed some used furniture on XXXX for sale. a buyer contacted by the name of XXXX. he stated he was in a transition process, he send me a check to pay for the items ( copy included ). I deposited the check into my account on XXXX/XXXX/16 with Amtrust Bank ( account # XXXX ) here in XXXX. I waited the two days the bank said it would take for the funds to be availible to take the funds out, withdrew {$1100.00} and wired the money to the movers who would pick up the furniture as per XXXX instructions to the name of XXXX XXXX through XXXX this I did on XXXX/XXXX/16 only after the funds were credited to my account. on today XXXX/XXXX/16 I got a call from the fraud department of Amtrust telling me that the check came back as no good. Really? I when to the bank and asked why they released the funds in the first place I would never have taken the money and wired it otherwise. I wanted to be sure that this buyer was legit before I proceeded I never would have taken the money and wired it to the movers if the bank was holding the money. I asked the bank to refund me the money because I trusted them when they put the money in my account that told me that the buyer was real, that 's is why I waited to take the money to try to avoid being taken by a thief. so how can the bank call me and tell me now that the check was not good and I am out {$1100.00} that is why the regulation exist for the bank to hold the money until they have verify that the check was good and now I am left to pay for their negligence they release the funds I did not asked them to release the funds early eventhough I have enough money in the account to cover the funds I waited for the bank to do their job to verify the validity of the check. I feel the bank should returned the money I lost it was their error in releasing the funds that prompted me to believe this buyer was real no the scammer he turned out to be. the bank allow this scam when the told my the check was good and now they do not want to accept this. maybe they think I am trying to take their money but that is not the case and now I stand to loose my money because the bank did not do the due diligence they are supposed to. I am attaching all the copies I made of the check I received together with the copy of the envelope in which it came and a copy of the XXXX receipt of the money I wired to this XXXX XXXX. I also have several text messages between me and the buyer over several days while I was waiting for the check to clear. but I do n't know how to attached them to this complaint if there is a way I can forwarded them please let me know I will so that you know I am telling you the truth. I can be reach at XXXX XXXX XXXX or XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I have a auto lease with Chrysler Capital for a XXXX which I wanted to terminate early and we agreed to a payoff of the vehicle however I have attempted XXXX ( XX/XX/XXXX and XXXX 2015 ) to return the vehicle to XXXX Chrysler Jeep and they will not take the car back nor will Chrysler send me a statement to payoff statement and bill but all they keep doing is sending me statements for the regular payment and are assessing late payment fees incorrectly XXXX/month In addition they have reported this as delinquent on my credit reports. The car is no longer insured and has been sitting in front of my house for the last XXXX months since my last communication with Chrysler Capital was that they needed to come and pick up the car as I was not going to attempt another return.

Company response to consumer: Closed with explanation