vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-16 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: NH

Complaint narrative:
I am behind in my mortgage and learned from a letter from Citifinancial in XXXX that my home was to be auctioned XXXX XXXX. The phone number on the letter resulted in two days of calling and being transferred to at least XXXX different numbers to try to find someone who could give me information on my home and my loan and an amount to pay to stop the auction. I work out of state. My children are grown or away at school and we only get to come home once a month on weekends. I was informed in XXXX 2016, the amount I would need to pay before the XXXX of XXXX 2016 was {$36000.00}. Unfortunately my husband was hospitalized XXXX XXXX. I was able to make the wire transfer on Monday, XXXX XXXX as soon as local branch opened at XXXX. I was told by my bank that Citifinancial should receive the money by XXXX. Of course they did not post the funds to my account but I did call Citifinancial 's Massachusetts XXXX on Tuesday to inform him that I had made a wire transfer for an amount to reinstate the loan. He was kind and offered to send a message from his side to inquire about the receipt of the money. Apparently my auction date is XXXX XXXX, and not XXXX XXXX as stated in the letter I had received! Later in the afternoon, I received a call from a Citifinancial rep that they had received my wire transfer but that the amount was not sufficient to reinstate the loan. I was told I had to pay {$2600.00}. immediately. ( a monthly payment ). I do not have this amount to pay and will not have this amount to pay until the end of the month. Meanwhile, I am receiving so far XXXX3 calls a day about this amount and I have also received a call from a Citifinancial rep identifying herself as a supervisor and insisting that the money sent to Citifinancial would be returned and the auction proceed unless I made the payment immediately. 

Please note, I have not been served any papers about auction or foreclosure. I have noticed that my home has been listed on real estate websites for about 160 days as preforeclosure and auction. I am desperately trying to keep my family home. I will be able to continue with the monthly payments, I just can not make double payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-22 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
At One Main financial in XXXX GA a loan officer by the name of XXXX pulled my credit without my authorization

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This is a response to a previous complaint on CitiMortgage with Case number : XXXX I have received their response which is inaccurate and untrue. 
They indicate I have made a web payment on XXXX/XXXX/15 in the amount of {$4400.00} on the same day I made a phone payment in the amount of {$2200.00} This is not what happened at all even though they have provided a confirmation # to support their claim. I have never made an online payment with CitiMortgage in the 10 years of my mortgage payments to them. 
It is not safe to make online payments to them as it gives them access to your account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-05 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
If you are thinking about financing a vehicle. Run when you hear this name. SANTANDER! They are PREDATORY LENDERS! Look what they have done to my credit. They falsified XXXX out of XXXX over 30 day lates on my report to insure I could not get any other financing from any other lenders once I paid them off and hurt my chances of buying a home in the future. They want to insure they will be the only lender to once again lend me money so they can rip me off once again for the next 60 months! I am uploading XXXX of my XXXX XXXX credit reports on Santander Consumer USA. The first is my credit report 16 months ago. Notice only XXXX lates over 30 days. Now look at my credit report ( second photo ) showing all the 30 days lates now that never truly occured. I even have bank Statements showing they ACH debited my account on these XXXX falsified times way before any over 30 day lates could occur. These sharks know what their doing and I 'm sure i 'm not the only one they are doing this too!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Santander Consumer USA has reported on my credit report that I have XXXX late/missed payments on my 72 months loan term. I have made XXXX payments on time and requested deferment of XXXX payments when I was injured at work. The deferment was approved and fees were charged for this request. The company has reported my payments as being past due since that request. Car was recently stolen and insurance made large payoff for loan and the payment was misapplied several times causing the balance to go down and then back up and no one can explain what happened. After XXXX payments at {$480.00} per month on a {$16000.00} loan - somehow I still owe {$11000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
I APPLIED FOR A XXXX AUTOLOAN WITH XXXX, AND CALLED TO HAVE MY FIRST PAYMENT SKIPPED XXXX SEE ATTACHED ) AND ASSUMED IT WAS APPROVED AND MISSED FIRSY PAYMENT, AND IS REPORTING ON CREDIT REP, ITS PARTUALLY MY ERROR AND NEED THEIR GOODWILL HELP CORRECTING LATE PAYMENT XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23 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 have a car loan with Santander. I was behind on my payments but was able to get everything caught up over the past month. According to my online account I had paid the balance to XXXX. When I got my statement it showed that I owed the regular payment plus XXXX in additional fees that was owed. When I called in today the automated said that my balance was just this month payment and next month payment. When I actually spoke to someone she said that those fees are due even if it shows a XXXX balance and that the amount of fees on my statement is not what she is showing in the system. When I logged online today it shows that my next payment is not due until XX/XX/XXXX when I know my payment is due on XX/XX/XXXX and that my loan is current. I think that this lender is predatory and tries to make you miss or be late on a payment in order to collect fees. I started this loan XX/XX/XXXX with a XXXX balance as of today they are showing that my balance is XXXX according to the payment history ( attached ) and online ( attached ) and one my statement ( attached ) it is XXXX. How can this possibly be? I show a lot of my payments going to interest and zero to the principal. I think someone needs to look into their practice and how they are applying my payments as they are not willing to look at it or see what the issue is.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
My car was stolen and my insurance paid what it was valued at, however, I 'm told that I still owe over XXXX dollars, with now comes to XXXX with interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
i got a car loan from santander usa cosumer in XXXX have paid over XXXX to the interest and nothing towards the principal., they have reported to the credit breau that i owe XXXX on my truck, i have seen so many bad reviews on santander, I am no longet giving them any more money, its no way the interest is more than the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: CO

Complaint narrative:
how many days are in billing cycle ending XXXX/XXXX/17 exact number please and how many from XXXX 2017 exact number please

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I bought a XXXX on XX/XX/XXXX. I did a trade-in on my previous car ( XXXX ) I owed {$10000.00} on that loan The dealership offered to pay {$7000.00} and the remainder {$3000.00} would be added to the new loan. To my understanding the XXXX was XXXX plus the {$3000.00} would equal to {$21000.00}. The only thing that the dealer stated was that my monthly payments would be {$630.00}. They never explained to me how interest worked or what my total would be for the XXXX. When it was time to sign the paperwork. the gentleman who handles that part of the process was very rushed and did not explain any of the papers. He just told me to sign everywhere that needed a signature. It was n't until he put everything in the envelope and i was waiting outside that i got a chance to read the paperwork. That 's when I saw my total was about {$49000.00}. I am in every way a honest person but I feel I got cheated ( in lack of a better word ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I paid my Santander Consumer USA auto loan in full almost three years ago. They reported it to all of my credit bureaus as a charge-off, yet I have the title and the release of lien along with a letter indicating that the loan was paid in full. This has done serious damage to my credit rating. So much so, that no bank will even consider me for any kind of loan. Not even the banks where I am a member. I 've disputed it with my credit bureaus and attempted to resolve the issue with Santander. Still, it remains on my reports as a charge-off.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: DC

Complaint narrative:
I have asked Chrysler capital/santander consumer for a copy of my contract lease with them for a copy of the list of fees that I will be charged and the payment history in which they have received from me! Send Chrysler capital refuses to send me any information regarding my payment history and extra fees they have been charging me and a copy of my contract lease with them! Particularly a gentleman named XXXX keeps lying saying that they 've sent the information I 've been waiting for months I have n't gotten XXXX document or anything else can you please help me get a contract copy and my payment history, contract, as well as any list of fees I shall be charged thank you. XXXX stated they can not send my contract certified mail to guarantee I got it he also stated they can not send my contract or Fees or payment history via email. Chrysler capital is withholding information from me so that they can overcharge me with fees!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
They will not refinance my auto loan, but will refinance anyone who comes in from an outside company. This is discrimination and the company being greedy over money basically saying they will not help their own customers. And they would not lower it during the buying stage of the process either even though I doubled my down payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: Synovus Bank
State: CA

Complaint narrative:
i ordered a secured credit card from first progress ( XXXX ) by depositing $ XXXX/-The card was issued but no bills were sent for the fees. I came to know of the fees only from my credit report as the credit card company reported for late payment. i sent a check to them as their website do not work most of the time. i was paying under protest but they never encashed the check. 
so that i can call them and they can charge extra. in the end i ended up paying for fees/late charges and XXXX negative on my credit reports without ever having used the card. 
till date have paid more than {$100.00} in fees. the purpose to build the credit failed as they are totally un cooperative. 
i recently learnt it is illegal to charge late fees and report me to credit reporting agency as per fcra rules for fees. 
there is something wrong in not using a credit card and have to suffer late fees and have my credit ruined at the same time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Grant & Weber
State: NV

Complaint narrative:
I have still yet to receive actual proof of my signed authorization yet this agency advised your company they would obtain and supply. How can a company state a debt is owed without proper validation? a computer print out is not validation a normal consumer ca n't even understand.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc.
State: AR

Complaint narrative:
The collection agency is under a law suit

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
I am utterly discussed on how my account is being handled - we have an auto loan and recently had a collision. My insurance who I pay issued the repair check in the name of my husband and Santander. I called and spoke with XXXX who told me where to mail the check and to include either the estimate or the letter from the insurance company that the check was issued based off an estimate and they would endorse the check and mail it back to us. I called to check on the status of the check and was told they did not receive it yet but they would not be returning the check either. I was told that is not their policy. I was told they will hold the insurance check until damages are repaired and then they will release the check to the Body shop and we will have to go there to sign it. Upset with this the next day we called our insurance company to find out that the insurance check was cashed! It was a double endorsement check and it was NOT signed by my husband. The monies were applied to the principal balance on the loan!!! When I called and spoke with XXXX she then states that is their policy and they will pay the body shop when damages are repaired and it will not be the same check from the insurance company. Any overages I was told I would have to pay and if the charges were less they keep the money on our balance ... .. I was told several times that Santander owns the vehicle and that 's their policy. Well Santander you do n't pay my car payment every month nor do u pay my car insurance. This is fraudulent in cashing a check that was not endorsed properly. I have contacted several body shops and they will not repair my vehicle in the situation. I am stuck with a damages car.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: DE

Complaint narrative:
I have a loan with Santander that opened in XXXX of 2011. It was a 72 month loan expiring this month. I had XXXX deferments on this loan in 6 years. My original balance was {$18000.00}. After 70 payments of {$400.00}, my balance is XXXX. This means I paid {$28000.00} towards an original balance of {$18000.00} only to pay {$7000.00} of that balance. 
Running the numbers, It will take another 10 years to pay the remaining balance. I will be paying more than {$60000.00} for an {$18000.00} vehicle. This is much worse than a pawn shop or a payday loan. 

My choices appear to be file a bankruptcy after which Santander will take this vehicle and sell it to another sucker who will have 20 years of payments on a vehicle that may last a year. Santander will get {$120000.00} on a vehicle that costs less than $ XXXX. Or I can pay on it for another 10 or more years. This ca n't be legal in any sense ... there can not be a legal, ethical or human precedent that allows a corporation to encumber a person for the rest of their natural life with payments. 
I am signing the right for you to share this. I know that CFPB has successfully forced the credit bureaus to pay XXXX thousands of dollars for wrongs they did to consumers. I trust you can do the same to Santander who forces people into poverty by making them pay for a vehicle for the rest of their natural lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
I have had santander usa as my car loan for 3 years and yes ive made plenty of late payments but i think something is really wrong i purchased the car for XXXX and its been 3 years ive paid lump payments upto XXXX and just to catch up well my car was repo 'd about 4 days ago i got a letter stating i owe XXXX and that once its sold im responsible for the remaining how is it thats its been 3 years and i owe more then what i purchased it for and its only worth XXXX as of today cause i tried to get rid of it just not to have this sitting on my credit but i think something is not right at all i need help i think they have robbed me of all the monthly payment i did submit cause it just looks like i paid interest every single month for 3 years please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Service Company, INC
State: CO

Complaint narrative:
Credit Services Company, Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Toll Free : ( XXXX ) XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX and XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX Dear Consumer Financial Protection Bureau : XXXX XXXX, XXXX Re : Case number XXXX In response to your letter dated XXXX XXXX, XXXX, the above named credit company is once again ( after the passage of over one year ) harassing me with threatening letters. These letters are documents nearly entirely in XXXX, though I speak XXXX. 

These letters attempt to prove that I did not experience coercion and predatory consumer manipulation when a doctors office in network for me suggested that I have an elective ( non-necessary ) procedure, and that they would make all the necessary arrangements for me to have this invasive out-patient procedure at XXXX of their sister facilities. 

As indicated repeatedly in previous letters, not once in all the interactions with this doctors office or the institution that repeatedly contacted me, was any notice given, nor advice or " Full Disclosure '' carried out by any of the parties involved ; that they were - in fact, outside my insurance network and therefore cause certain patients financial hardships - even if referred by the physician in question here. They have an ethical, moral and fiduciary responsibly to their patients to provide safe, effective, and fully informed and consented care to the patients they treat and collect remuneration from. 

In your latest letter, you indicated that you were unable to contact said credit company for lack of domicile, etc. Please note above that I have corrected in full the information you require ; including a toll-free phone number and the previously missing XXXX number. 

I hope that this additional documentation will assist you in pressing my compliant and my cause to its ' rightful conclusion with this predatory organization. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX Email : XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Grant & Weber
State: CA

Complaint narrative:
Medical billing failed to submit my doctors bill for XXXX. They filed the bill for the hospital, ( witch was paid by my insurance. And did not claim for the Doctors bill, until after 12 months, which was refused by blue cross, for untimely filling. I call the my insurance, who txt me I was not responsible for this bill, even knowing this they put me in collections. The insurance, XXXX, is sending me a letter, to explain it was the Doctors group, who is at fault but will not admit their mistake.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation