vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-21 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: SUN LOAN COMPANY INC.
State: TX

Complaint narrative:
XX/XX/XXXX had surgery and missed 1 year work I did file Chapter XXXX but forgot this account. They charged in off in XX/XX/XXXX I recently offered to pay off the charged off amount of {$890.00} but they stated you owe {$1100.00} total with interest. This is a rip off and XXXX the lady I talked to was XXXX and XXXX. Really do not understand how a company can continue to chage interst on a debt charged off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-07 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
I want to validate the company and get paperwork in regards to how much is owed and verify that the company is valid before setting up a payment plan with a company i have never heard of and/or cant find via internet search. Every site I go to states its scam collectors. I 've been scammed out of money before and will not again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
I purchased a XXXX Ford Expedition from XXXX several years ago and the vehicle was transferred over to Santander who served as the creditor. In XXXX the vehicle was paid off in XXXX ; with late fees being owed on the account. When the vehicle was paid off, Santander agreed to reduce some of the late fees and to establish a separate loan to pay off the late charges. As my wife and I was paying off the late charges, we noticed that the late charges were never reduced, so when we contacted Santander 's Office of the President to address our concerns, the representative reviewed the account and confirmed that the late fees were not reduced and that payment will need to be made in full. There was know attempt to remedy the situation or ot reach an agreement. A few months later, I checked my credit report and noticed that a charge off ( XXXX/XXXX/XXXX ) was placed on my credit report. Santander has not provided me with a title to this vehicle. The charge off has negatively impacted my credit standings. XXXX has failed to conduct an adequate investigation on my auto loan account ( in accordance with FCRA requirements and CFPB Bulletin XXXX ) and has been unfair, deceptive/abusive in their treatment towards providing me service ; which violates UDAAP under the Dodge Frank Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I have fallen behind on my car payments. I have not avoided talking to the lender. They are continuously harrassing us for money. Within an hour of setting up an arrangement on the account i recieved another call wanting me to pay them. This XXXX individual had no idea of the arrangement. At this point I verbally instructed them to cease and decist all calls. Then, my vehicle went into repossession and they started calling again anyways. I was told that if i payed XXXX immediately and XXXX again within XXXX days, we would be fine. I paid the XXXX and spelled out my intent to pay the remaining XXXX on my next payday. The very next day, I recieved a call stating that we needed to pay XXXX. They have repeatedly harrassed us and violated our rights under the FDCPA. The company is Santander Consumer USA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Grant & Weber
State: OR

Complaint narrative:
I contacted Grant & Weber on XX/XX/XXXX and requested proof that this was my debt. I would like them to send me all the information pertaining to this debt. I do n't believe it 's mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
On XXXX XXXX I called Santander at XXXX PST to obtain the outstanding balance of all late payments and fees. The balance I was provided was {$770.00} and some change. That same day I made a payment of {$1400.00} to cover all outstanding amounts and make the payments for XXXX & XXXX XXXX {$310.00} each ). On XXXX XXXX I received an email receipt of the payment made and called to confirm that my XXXX payment was {$310.00}. I was notified by their automated system that the payment due for XXXX was {$410.00}. I called Santander to determine why and they stated the payment was not sufficient to cover all of XX/XX/XXXX payment. I asked for a detailed breakdown of payments, balances, late fees to prove their claim. What they provided did not answer my question but did result in additional questions. 

Santander initially refused to stop Autodialed calls to my cell without written notification. Santander charges $ XXXX {$15.00} for online/phone payments. 
Santander charges {$10.00} for late fee and another {$25.00} to delay a single months payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HOVG, LLC
State: NM

Complaint narrative:
I went to the ER XX/XX/2014 and am completely covered by XXXX because I am in the military. But I have been getting mail sent to my home in New Mexico about me owing money for it. I contacted the hospital and I do n't owe anything to them. But other debt collecting companies continue to send me mail saying the debt I owe is increasing. Also, my credit went down from about XXXX to low XXXX. I tried calling one of the companies a few times with no answer, and no reply to my voicemails.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-26 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
I signed up for a Sears Store card and rejected the other offers. Approximately one year later I received a Sears Master card in the mail - I did not act on it. I went to the Sears Store to make a purchase/payment and was told I could not use my Sears Store card. I had to find the Sears Master Card in order to call Sears/Citibank. I was told my Store card was switched to a Master card because I did not opt out when the Master card was sent to me. I began using to Master Card thinking it was just a regular card. I recently went to the Store and was offered a new store card which infuriated me because I feel like I was tricked into taking the Master Card that I DID N'T want in the first place. Today XX/XX/2016 I received a call from Citibank asking me to pay more on my card because the XXXX dollars I paid before it was due was not enough ( XXXX. ) I was told that the payments fluctuate based on the amount owed. Now I feel like I have been the target of predatory lending.

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 2015-12-13 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I have paid my Macy 's account balance XXXX separate times, and yet I still see another {$2.00} bill added to my account. I know I have paid the balance off so I do n't check since I have not charged anything at Macy 's. How do they get away with the practice of adding a {$2.00} fee to my inactive account?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-27 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I used my Best Buy credit card to buy the XXXX XXXX service for 1 year. The following year, when my service was about to end, I got an email asking if I wanted to continue the XXXX XXXX service for another year. I answered yes to the email and my credit card was billed for 1 year of service. As my 2nd year of service ends, I do n't get an email about continuing the service. I 'm auto-renewed and billed for another year of XXXX XXXX service without my knowledge or consent. Citi Bank customer service says I was enrolled in auto-renew because I previously paid for the XXXX XXXX service using my credit card. I do n't ask for auto-renew and I did n't want buy the XXXX XXXX service for another year. I made a complaint with Citi Bank, but it 'll take 6 weeks for their reply. In the mean time, I 'm forced to pay the bill and late fees for this charge or my credit rating will be damaged.

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 2017-02-05 00:00:00
Product: Credit card — 
Issue: Privacy — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I suspect that Citibank from which I have a credit card, shares my credit card transaction data with 3rd party vendors. After shopping with my Citi MasterCard, I see on my XXXX feed advertisements on products and services that are similar to what I just purchased using my credit card. For example, when I bought an indoor TV antenna from XXXX, I saw an ad on XXXX within an hour for a similar TV antenna. Another example is when I bought dishwashing detergent, an ad for dishwashing detergent of another brand popped up on my XXXX feed. In all these and other cases, I used my Citi credit card for the purchases I made. This is very disconcerting because Citi is likely sharing with XXXX or more companies data on my transactions down to the individual item level of my purchases. This is a gross violation of my privacy and I would like to file a complaint against Citibank credit cards.

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 2015-11-16 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a Sears MasterCard account with Sears on XX/XX/XXXX and enrolled in their Debitcare debt cancellation program. Under this program my debit up to {$10000.00} will be cancel if I remain Unemployed for more than 180 Days. I remained unemployed for more than two years. 
This collection Agency reporting wrong date of account opened ( XX/XX/XXXX instead of XX/XX/XXXX ) and still trying to collect this debit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-11 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
I paid off my Macy 's American Express credit card XXXX 2015. The card had XXXX lines and I sent XXXX separate bank cashier checks. XXXX 2015 I checked account to make sure payment had been applied. Both lines had been closed yet payments not applied. I spoke with customer service and faxed copy of both cashiers checks that had cleared bank in XXXX 2015. One payment was applied to the store line of credit but the Amex side has still not been applied 7 months later after numerous faxes and calls to company.

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 2017-02-07 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
In response to a public offer, I opened a CitiBank checking account XX/XX/XXXX. As of XX/XX/XXXX, I met the requirements for a {$400.00} bonus, which was to post to my account by XX/XX/XXXX. To date, no bonus.

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 2016-11-10 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have filed a complaint on XXXX/XXXX/16 complaint # XXXX which the gave a general response. Since then I am still going back and forth with Citibank to get assistance. I have a new specialist XXXX XXXX who do n't respond to any of my questions. She sends me a weekly email that appears that all she do is change the date and resend. I was told by XXXX XXXX who was my specialist prior to XXXX that a decision should be made within 30 days ( XXXX/XXXX/16 ). We are well into XX/XX/XXXX and still no decision has been made and I ca n't get a answer of why and what is the hold up. Again we are asking for assistance because we are need of HELP. We was hit with unforeseen illness and XXXX massive storms that made us loss more that XXXX % of our income. I asking for Consumer Financial Protection Bureau to assist me with this issue with Citibank. I not trying to loose my home and I am asking for assistance to make my monthly payments more affordable. PLEASE HELP!!!!!!

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 2016-09-17 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Citi Bank did not reissue me my credit card upon expiration ( XX/XX/2016 ) stating the reason is because I have another account by Citi Bank that is closed and in a repayment program. I had closed another credit card by Citi Bank several YEARS ago and enrolled in a repayment program. This had nothing to do with any other account I have with Citi Bank. My account with Citi Bank is current, and therefore closing one account by MY choice several years ago should not have had a negative affect on a different Citi Bank account, in good standings, several years later. This is unfair and deceptive of Citi Bank to " punish the customer '', as well as adversely affecting my credit.

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 2015-07-09 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I made an overpayment via my online banking on XX/XX/XXXX and itwas credited to my card on XXXX.The card actually had a XXXX bal. I made the mistake of sending it to the wrong credit card company. I discovered thison XXXX XXXX and called them. I asked for it to be credited back to mychecking account. I gave them my routing number and checking accountnumber. After XXXX calls to find out why it was not done, they just kepttelling me it had to be processed. It is now 7 days later, XXXX XXXX and I wastold that the {$250.00} was going to be sent back to my checking todayand it would take another 3-5 days to process this. This is a total of 10-15days to get my money credited back to my checking account, when allalong they had the {$250.00} in my account. We could see it in my cc acct. 
I do n't know what the regulations are for this type of problem, but, I thinkthat 10-15 days is way too long for them to credit this back to me. when I ppay my bill to a cc it goes in very fast, 2-3 days max, ( online billpay ). Butwhen I need to be credited it 's 2 weeks? what 's up with that? I spoke witha supervisor in XXXX, XXXX and today with XXXX, XXXX. It was an AT & T Universal XXXX Card through Citibank. I have never been late, paid bmy bill off in XX/XX/XXXX and have a very high credit score. I am a responseible professional and really do not like being taken advantage of and treated so badly. If you can help me with this I would appreciate it. 
Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I could not find the exact " describe the issue '' choice, but XXXX XXXX threatened me that unless I made my payments via a monthly electronic payment system, they would sell my debt to a company that would add more interest until the debt was paid off, therefore dramatically increasing the amount of my debt when I agreed to payments but only wanted to pay by USPS money order. 
Said my credit would get a negative report if I did n't pay electronically. 
XXXX XXXX and his " supervisor XXXX '' Harassed me and used threats of credit harm if I did n't open up some kind of electronic XXXX card payment system to make my monthly payments. So, at much hardship and more expense I did open a pre-paid credit card and made my first payment. The very next day I received hard copy correspondence from XXXX that included a payment form for paying with a money order or check??? OR electronic CC payment IF I CHOSE. 
I am a XXXX year old totally and permanently XXXX XXXX Veteran, my total monthly income is from my VA XXXX pension which is less than {$1100.00} ANY extra expense is a extreme hardship on my financial abilities, and I explained this to XXXX XXXX when I stated that I only wanted to pay via money order or check to avoid any electronic fees or give any of my private financial information to a collection agency because of all the reported harms done by collection agencies to others when they provided personal financial info unrelated to the debt. 
I agreed to make the payments to protect what little credit I have, even though I felt in principle that the original debtor Best Buy, had broken a agreement with me for payments when I was ill and could't keep up with the full payments but offered " good faith '' payments until my health would allow me to catch up. I fulfilled my part of the agreement with Best Buy, but the reneged just before XXXX causing me to not be able to purchase the gifts for my grandchildren I wanted to. I admit I was so angry and upset XXXX, that I just did n't care and told Best Buy this. But after contact by XXXX, I did agree to pay off the debt if they would n't harm my credit as long as I was current. They said they could n't but convinced me that as long as I was paying that 's all that would show, that I was paying a monthly obligation. But they insisted that they could only accept a electronic payment, otherwise they would sell my debt to another company that would continue to add interest charges and that I would incur much more debt! 

I was harassed, demeaned for my original debt to Best Buy, coerced and outright threatened with more debt added, unless I agreed to make electronic payments and incur the added expenses.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have made a purchase using a Citibank card for a Merchant to provide car rental booking service but the Merchant failed to provide that service appropriately, resulting in failure of car rental reservation. 

Dispute was filed with Citibank and Merchant provided response irrelevant to issue. Citibank requested more information from me. I provided detailed information. Citibank wrongly determined my response was incomplete and refused to pursue a charegback.

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 2015-07-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A.
State: MO

Complaint narrative:
This letter is to give notice of a violation of the Consent Order issued XXXX XXXX, 2014, File No. XXXX to Flagstar Bank, F.S.B. According to Section C. subsection 89 ( b ) it states as follows : For any Affected Consumer who ( a ) is delinquent or in foreclosure as of XXXX XXXX, 2014 and ( b ) is more than XXXX days before a foreclosure sale as of the Effective Date or no foreclosure sale is scheduled ( " Delinquent Consumer '' ), Respondent must : b. If a foreclosure trial, judgement or sale is scheduled, based upon the circumstances of the foreclosure and the applicable state law, petition the court, or take other reasonable measures to delay the foreclosure trial, judgement or sale. 
Flagstar Bank F.S.B. is pursuing a foreclosure action which clearly is in violation of the referenced Consent Order. I qualify under the criteria of the Order therefore I am requesting a full investigation and action to terminate Flagstar Banks attempt to foreclose so other remedies may be pursued. The case was filed in XXXX XXXX County Missouri Circuit Court under Flagstar F.S.B. v XXXX XXXX XXXX. 
This is not a request for legal advice or assistance of legal counsel in this matter. I am available to assist in any way to bring this matter to a conclusion. Your urgent cooperation is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-10 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I have a Macy 's Credit card. I made a payment in full including the interest assessed on the balance on XXXX XXXX Macy 's charged an interest fee on XXXX XXXX XXXX XXXX and XXXX XXXX without any balance on the account, there was a charge in less than 30 days of additional XXXX $ on a previous XXXX $ interest- 100 % interest rate? Customer service has refunded the {$4.00} but ca n't give an explanation about how the recurring interest charge on XXXX balance is valid or reassurance that this will not happen again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-30 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: ME

Complaint narrative:
I signed up for a citibank gold checking account in XXXX of 2015. The promotion read sign up and make XXXX bill payments and get XXXX thankyou points after completing this offer. I completed the XXXX bill payments and was recently notified that my account was ineligible for the reward as it was only for targeted customers. At no point during the signup process was I made aware of this. The link was directly on citi checking account page when I signed up-it has long been deleted since.

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