vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-06 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: CT

Complaint narrative:
Dear States Attorney, I 've taken during the past 60 days, to date SANTANDER has not resolved my issue. Can you please support me in resolving this matter as I have followed all the necessary steps in disputing provided to me by the Federal Trade Commission, and the CFPB but have not been successful. Should you need any other information, please let me know. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: CO

Complaint narrative:
dispute of response case # XXXX so again i do n't see where my principal only payment of {$50.00} paid on XXXX XXXX was reversed..what date was reversal applied?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: WINN LAW GROUP, APC
State: CA

Complaint narrative:
The Winn Law Group has contacted me regarding a XXXX credit card debt that I had to stop paying on in 2009. The 4 year statute of limitations in the state of California has passed and they can no longer sue me yet they continue to call, mail and harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22 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:
Initially, photocopies of written letters, return registered receipts and receipts from the US Postal Service were provided to Santander Consumer USA as evidence the service contracts were canceled timely ( within the first 30 days ) of the purchase of new car from the XXXX dealership. Santander Consumer USA acknowledged [ written correspondence ] credits were not appropriately applied to car loan for service contracts and advised the credits and the accrued interest would be applied to the outstanding loan balance. As of XXXX/XXXX/2016, the credits and outstanding interest was never applied to the loan nor separate credits issued since the car loan was paid in full. Instead, Santander Consumer USA has chosen to report 60 days late payments to the XXXX credit reporting bureaus. 
I can provide sufficient evidence to support my complaint ( letter from Santander Consumer USA and payment history ). Please note : Santander payment history does not show that credits were ever applied to my car loan. Why are late payments reported to the XXXX major credit bureaus when Santander Consumer USA failed to apply the credits?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: AL

Complaint narrative:
I received an auto loan from Santander Consumer. Two years after receiving the loan for a vehicle the car was totaled out due to flood in XX/XX/XXXX. I was informed that XXXX and XXXX both would cover the remaining balance of my loan and that I would not be responsible for paying anything out of pocket. About a month ago ( XX/XX/XXXX ) I went to buy a new car and I was told that my credit score had a charge off on it posted by Santander Consumer. I received no correspondence from Santander. No email, no letter, no phone call, nor voicemail. Needless to say I was blindsided by a charge off on my credit report that I had no idea of prior to going to purchase a new vehicle. I believe it was a very unfair practice for Santander Consumer to charge off a balance as they did without speaking to the loan holder about possible payoff on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Synovus Bank
State: FL

Complaint narrative:
30 day late payment assessed. Payment sent XXXX XXXX, not processed until XXXX/XXXX/15

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-17 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 muturity was fulfilled as of XXXX XXXX, at this time i assumed my obligation had been fulfilled and would be due my title. I called in to discuss my title and at that time the representative stated i only owed $ XXXX++ in fees in which she also put in a request to have {$150.00} of that removed. I assumed this would be the amount to receive my title. Upon calling Santander about a statement i received after i had reached the muturity date stating that I owed an additional $ XXXX+ in order to receive my title, i was told it was interest and fees from deferred payments. This is absurd due to the fact the additional months of deferred payments had already been added and paid. The representative continues to try to explain their procedures of adding on these astronomical amounts for deferment even if you have paid for the deferments which only charges $ XXXX+ or less for the deferment. I have been paying on my car since XX/XX/XXXX at the amount of {$500.00} per month with an absurd interest rate. Even though I have had medical issues during this time i struggled to make payments and was excited to finish but to no avail. Santander has clearly misrepresented their intentions and consumer is not given a clear explanation of risks of deferments. They have ruinef credit after struggling so long to bring my score up as they are reporting delinquent and late because I do n't owe this amount. If a consumers statement says a certain maturity date they should adhere. This is unethical practices, please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Home Depot is charging me unfair finance charges every month. I have {$600000.00} ready to pay and the bill is {$6000.00}. Everymonth is unfair charges of {$120.00} and {$110.00}.

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 2015-06-10 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I received a voicemail on XXXX/XXXX/15 from someone named XXXX from XXXX XXXX XXXX at XXXX stating that they never heard back from me & that they will be calling my job tomorrow. They contacted my job the next morning without my consent & threatening me on the phone that they have my ss # & will verify my pay to garnish my wages! I told her she is not allowed to call me at work & she kept blabbing on then hung up on me. I contact XXXX from XXXX XXXX XXXX @ XXXX to let her know not to contact my work and that I have rights, she proceeded to say that she will call to verify my pay they have me recorded and that I should pay my bills then hung up.Again she made threats and not once in that conversation did she mention that I was on a recorded line.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I paid over $ XXXX on XXXX card and over $ XXXX on another, wiping out all my savings/spending potential to pay back my debt to Citi , but then they added an interest charge to the then current balance that 's been backdated to my now current minimum payments on both cards : XXXX costs {$89.00} and the other probably half that.

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 2016-06-17 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 signed up for a Citi Gold account online and entered a Promotion Code : XXXX where I would receive XXXX Thank You points after completing bill payments in two consecutive months. I received verification during the online application process that I was eligible for the bonus. A few days after applying online, in a follow up phone call while speaking to a Citi representative, the person specifically stated I was eligible for the promotion. This lead me to finalize the application and agree to open this premium account. I 've since completed the requirements to receive the bonus and I have kept XXXX with Citigold account so that I am not charged with monthly fees associated with the account. A follow up email and phone call with Citibank confirmed that the previously stated requirements were met. Now, after confirming this promotion was applied to my account, confirming that I had met the requirements, and confirming that the points would be deposited, Citi has pulled a bait and switch, and saying that I am not targeted for the offer even after confirming that I am. I believe Citibank is behaving on unethical business practices by not fulfilling their end of a business agreement and purposefully and/or negligently misleading customers.

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 2017-03-21 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have a credit Card from Citi Bank. I accidently failed to make one payment of XXXX dollars. 
The next day they started calling me all day long. They made threats and harassed me all day. I asked them to stop and they reminded me about accounts from thirty and twenty years ago. There was XXXX account from twenty years ago, this account was discharged in a bankruptcy twenty years ago. They still wanted me to pay on a discharged account. When I spoke to them they were abusive and nasty. They are the worst Credit card company I have ever been so badly abused by. Please listen to me and do n't do Business with them

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 2015-09-02 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I submitted a request for a Citibank credit card and was declined because they said I could not use my household income. I am a stay at home home with excellent credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I took out a loan with CitiFinancial XXXX 2001 for {$25000.00} for home repairs. 
I only borrowed {$25000.00} and was supposed to pay back {$5500.00}. Somewhere in the making of this loan. {$30000.00} was tacked on to my loan of which is not mine. I have called CitiFinancial for years and sent letters etc. Trying to find out what happened. 
I can not get anywhere with them. I have already paid over {$100000.00} back to them for a loan of only {$25000.00}. I need to know if somewhere some how you can investigate ths loan. I was scammed. I make monthly payments still. I am always behind due to having to rent a place to live because that property is in need of more repairs. 
The property is only valued at {$40000.00}. I have done everything humanly possible to find out why and what happened. I feel like they need to close this loan and investigate. 
I borrowed {$25000.00} in 2001. 
I am still paying monthly payments. 
I have paid back over {$100000.00} on a property valued at {$40000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
There are fraudulent charges on my credit card. I have asked Citibank 3 times to close this account but it does n't get done. I just received a notice that a payment is due after I called Citibank and was told that they would take care of this. I have had XXXX different account numbers for XXXX different cards in the past XXXX mo.

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 2016-05-23 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
I have a Sears Credit card account, which belongs to Citigroup. Several years ago, I purchased several large appliances with the card. Shortly afterwards my husband became ill and unable to work. Needless to say, I was unable to make timely payments on this card. After speaking with a Sears credit representative, I was placed on an assistance plan for a year, which ended in XXXX 2015. Since that point, I have been paying on the account monthly. The APR is roughly 21.49 %, which supposedly is based on the total amount owed on the account. At this point, I owe {$4400.00}. The minimum payments for each month have been roughly around {$120.00} to {$130.00} each month. However, when I receive the statement for the previous month, approximately XXXX % of the payment is going to interest and not the principal. At this point, I will be paying {$11000.00} for a credit card with a {$6000.00} limit. 

I contacted the company today to request a lower interest rate for this card. However, they refused to lower the APR. I talked to a supervisor who basically told me that they would not lower the interest rate as that was the rate the card was when I signed up for it! Why would I want a credit card with a high interest rate? When asked if I could speak to someone else, she sarcastically told me that there were plenty of building I could speak with however, no one there was no in the building that would help me by lowering my interest rate. ( That was after she snickered on the phone, while it sounded as if she were eating lunch. ) I know that I am not the only one in this predicament. I am upset with this high interest rate and would like some assistance. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, LA 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 explanation
Consumer complaint received 2015-07-13 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I told them that I filled chapter XXXX numerous of times and they keep contacting me. I give them the case # and the discharge date.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Aspen Yo LLC
State: FL

Complaint narrative:
1 I have been paying my mortgage to Gregory Finance Company for 3 years and now I need to refinance my mortgage. They have not sent my payment history to the credit bureau. 
2 I was verbally told by them I need to pay {$1800.00} to bring my account current which was due to some disputed charges. I was to get back {$5900.00} in escrow and to date they have refused to pay me back my escrow overage. I could not get any written communication from them

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a CITIGOLD Interest Checking Account with Citibank with a promotion that would give me XXXX to XXXX XXXX Points as promotional offer if I satisfy certain certiera with my banking relationship with them listed explicitly as - '' Qualifying Direct Deposits are Automated Clearing House ( ACH ) credits, which may include payroll, pension or government payments ( such as Social Security ) by your employer, or an outside agency. 
Qualifying Bill Payments are individual or recurring bill payments made through CitiPhone Banking ( including bill payments made using Citibank 's Telephone XXXX Bill Payment Service and Staff Assisted Bill Payments ), Citibank Online, CitiBusiness Online and Citi Mobile XXXX XXXX XXXX. Qualifying Bill Payments do not include payments made by check or internal transfer payments made to accounts of Citibank or its affiliates. 
-The bonus XXXX XXXX will be credited to your existing XXXX Member Account within 90 calendar days from the date when you completed all offer requirements. 
-To qualify to earn bonus XXXX Points, open a new Regular Checking account in an eligible consumer account package ( The Citigold ( R ) Account Package, The Citibank XXXX XXXX XXXX Account Package, or Basic Banking Package ) by XXXX/XXXX/2016. Then, within 60 days after account opening, XXXX qualifying bill payment must be posted to the new checking account each month for two consecutive calendar months. 

To qualify to earn bonus XXXX Points, open a new Regular Checking account in an eligible consumer account package ( The Citigold ( R ) Account Package, The Citibank XXXX XXXX XXXX Account Package, or Basic Banking Package ) by XXXX/XXXX/2016. Then, within 60 days after account opening, XXXX qualifying bill payment must be posted to the new checking account each month for two consecutive calendar months. '' I opened the account before the deadline date of XXXX/XXXX/2016 and I satisfied two consequective months of BillPay in XXXX, XXXX, and again in XXXX Respectively. 

When I contacted CitiBANK about the status about my promotional reward, the company sent a generic message renegotiating on this term. In Addition, I have contacted the company over the phone, and after XXXX40 minutes with a representative, they would repeatedly hang up on me, leaving the issue unresolved. 

I have been very unhappy with CITIBANK, as they have not kept their promotional promise, despite me keeping my end of the contract.

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 — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Called at XXXX from a local number, despite the company being headquartered in New York, and left a 3 minute long voicemail, after i had contacted them yesterday to notify that i was in dispute with XXXX XXXX XXXX and XXXX on the collection, and that it was in fact illegal. The company has also consistently called and harassed 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 2017-03-06 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I 've sent numerous certified letters to the collection agency and the creditor directly to remove this frivolous account from my records. The collection agency kept requesting for me to provide more information. I am unable to provide anymore info on that account. A fraud affidavit was submitted to the collection agency multiple times. The have n't corrected the issue

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I signed up for a CitiGold Checking Account with Citi Bank and was enrolled in a promotion to earn XXXX XXXX XXXX miles after a specific set of requirements was met. This was in XX/XX/XXXX I believe. I fulfilled the requirements for the bonus in XX/XX/XXXX and, after I contacted Citi, was informed that I had indeed earned the XXXX bonus miles and they would be credited to my account within 90 days. Now, it has been over XXXX days and I still have not received the miles. I have talked to several representatives at Citi and none were able to resolve my issue. It now appears from they way they are handling the situation that they are not going to issue me the miles at all.

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