vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: WI

Complaint narrative:
Santander has completed an illegal repossession and sale in Illinois The lender is required to send a notice of repossession and sale and no notifications were sent so it is an illegal repossession

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-16 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Green Square Company LLC.
State: AZ

Complaint narrative:
I am getting called on my home line an under a name that is not mine. The company is using my first name but has an incorrect last name. Furthermore, I have no debt owed aside from student loan debt, which are in good standing. 

Premier Recovery Service calls my phone each and everyday. When I answer, the person says they have legal documents they are about to serve me. The message is an automated system and there is no way for me to speak to a representative. I can not get them to stop calling. 

I do not owe anyone any debt of any sort, other than student loans, which again, are in fine standing.

Company response to consumer: Closed
Consumer complaint received 2015-04-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Santander Consumer keeps calling me at work. I have informed them over a year ago to note the account that my employer prohibits these calls and I could lose my job if they keep this up. I have also informed them that unfortunately I can not keep the vehicle due to XXXX wage garnishments. XXXX from the federal government for student loans and XXXX from the state of California for back taxes. I have asked them If I can return the vehicle for a voluntary repossession. They are not listening to me and keep asking for payment, they said they will not come get the vehicle. They have called me XXXX times at work in the past few months with the last call one day during the week of XXXX XXXX 2015. I am tired of asking them where I can drop off the vehicle and they really need to stop calling me at work. My boss is already difficult and he is not happy about these calls. These people know what they are doing and this harassment is not warranted. I want to press any charges that are available to me. I am sorry I defaulted on the loan it was not my intention. I barely have the money to live on and they are stressing me unecessarily.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-20 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Grant & Weber
State: CA

Complaint narrative:
Grant and Weber has never responded to repeated requests for the original invoice from the service provider in 2012. Instead, they create their own invoices - on Grant and Weber letterhead - with whatever charge they 've decided to charge me. I 've contacted the original medical provider and they have no record to share since they turned it over to G & W. So they ca n't tell me what the original cost was. I 'll pay legitimate debts, but it 's unreasonable to expect me to pay without ever giving me the invoice for services! So they 've dinged my credit report with a collection, hurting my ability to get apartments and loans at reasonable rates. It 's not fair to tell the world I 'm delinquent and use the credit reporting system to coerce me into paying a false bill.

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 2015-08-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: FIRST MORTGAGE COMPANY
State: NM

Complaint narrative:
We were trying to apply for a mortgage. Since my credit is locked they refused to use only my wifes credit and because we do n't have any recurring credit were not approved. This part was fine. 

The problem is that we are staying with our kids at their house, and we told them to use our mailing address and to NOT send anything to our kids address. They ignored their own application that shows a mailing address on it. We told them we do n't use our kids address for anything, and they used it during my wifes credit check, and then also against our request they also sent their credit documents to our kids address ignoring our request to ONLY use our mailing address. Now we will start to get things mailed to our kids address against our will and promise to them to never use their address for anything.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, National Association
State: DC

Complaint narrative:
My wife and I live in a row house in XXXX D.C. We rent out a XXXX-floor apartment as a bed-and-breakfast. For the tax year XX/XX/2015 the District of Columbia government mistakenly assessed our property as being 100 % commercial property. Of course our taxes and consequently our escrow payment ballooned. The D.C. government has since corrected their mistake. The D.C. government has offered to refund the escrow overpayment to our mortgage bank, New York Community Bank ( NYCB ). However, NYCB is insisting that we, the homeowners, personally repay this escrow overpayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
This company SANTANDER CONSUMER USA is reporting an account on my credit that does not belong to me - I 've never done business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, National Association
State: MD

Complaint narrative:
I requested elimination of the PMI imposed on my property since 2004. The property was bought for XXXX and the lender, New York Community Bank based in XXXX has been denying the removal of the PMI. We sent a check for them to make a re- assessment and they used XXXX 'comparables ' priced at XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX which clearly indicates that the loan to value ratio has increased. In a very suspicious way they used a number called " Quick Sale Value '' of {$490000.00} to again deny the removal and ask us for {$2600.00} to remove the PMI. The numbers they used are arbitrary and had no foundation other than to keep stealing money from us, hard working middle class workers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-25 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Santander Auto Finance charged me unsubstantiated late charges displacing my principal and interest payments to pay said fees and then charge me for missing principal payments at the end of my contract with them, also adding payments that were not agreed upon at the initiation of the contract. The payments in question were made via XXXX XXXX services at my local XXXX, and were made in ample time, using " Next Day Payment ''. They may well have credited these payments whenever they saw fit, this is not MY problem. I am planing on logging a complaint with my local court system. I will not rest until this is resolved and not their usual Santander is always right. Santander Bank XXXX, tries to distance itself from this portion of their institution but they can not. I hold XXXX XXXX, XXXX of Santander Bank XXXX, just as responsible as the XXXX callcenter drones that robotically spiel their scripts. This company/corporation/people are deplorable, disreputable and disgusting.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Santander has been charging me unreasonable amounts of interest when a payment is late, to the tune on {$300.00} per month. I was not informed of this practice at signing, or ever after, until I noticed my loan had not decreased XXXX dollar in 6 months. Also, their obscene 24.99 % rate is undue hardship on me. I believe that XXXX and Santander have an inside deal which has XXXX steer consumers toward these bad loans, because they know in the end they will just have the same car on their lot to resell. 

Santander is disguising outrageous late fees within " simple '' interest, and it is unfair and unjust. XXXX is no better, the agent who sold me the car told me to put higher income than I made, then turned around and gave me the worst loan available.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
In or about XX/XX/XXXX, I purchased a new XXXX PT Cruiser at a local XXXX Dealer. 
I financed the automobile through XXXX XXXX XXXX. Due to illness, during the life of the loan I made some late payments. However, I always paid the late fees and brought the account up to date. On multiple occasions I sent in XXXX payments at the same time. 
Around XX/XX/XXXX, as I stepped out of my front door I noticed that my automobile had been taken. I immediately called XXXX and asked them if they removed the car from my home. At first XXXX denied having any involvement with the disappearance of my automobile. However, after calling them for a second time they admitted responsibility for the removal of my car. I could not understand the reason for their unlawful actions since all my payments, were up to date. I was not totally surprised since I had read and heard rumors about XXXX unlawful business practices of stealing automobiles from the customers whose cars they financed. I immediately called the police. After explaining the situation to the authorities, they recommended that I hire an attorney. After doing some research on the professional fees involved in hiring an attorney ; I came to the realization that I could not afford XXXX. Most attorneys in the are demanded a retainer of at least {$2000.00}. I called and wrote letters to XXXX demanding the return of my car. However, I never received an answer. 

The " My loan is a ( n ) * directly below does not have an option that fits my complaint. My problem is as described above ; XXXX XXXX XXXX COMPANY STOLE MY XXXX PT CRUISER XX/XX/XXXX AND ALL MY PERSONAL BELONGINGS FROM INSIDE THE CAR FROM THE OUTSIDE OF MY HOME ON OR ABOUT XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
I have no knowledge of this debt and I would like it removed as it is reporting to the credit bureau and is negatively affecting me. When contacting the company the account is listed as XXXX. My name is XXXX and XXXX has never been my last name.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I called Citi Bank credit card to make a payment {$22.00} on XX/XX/2016 ( due date XX/XX/2016 ) confirmation # XXXX.Citi sent next statement due XXXX/XXXX/2016 amount of {$45.00} ( interest $ XXXX late fee {$22.00} + {$22.00} ). I called and a lady at Citi Bank told me " do not pay that amount till investigation done. On XXXX XXXX at XXXX the investigation department from Citi called said that the balance is XXXX.I gave them XXXX phone # and XXXX debit card # in case they want more information. Again on XX/XX/2016 Statement said I owed {$58.00} ( {$22.00} + late fee {$35.00} + interest {$.00} ) I called and talk to serveral person, they keep transferring me to different department, finally a man named " XXXX '', he got XXXX debit #, and try to find out where the amount of {$22.00} go to, after 30 Minutes he told me {$22.00} was posted at wrong place, not to my account he told me that a Manager will call me on next 24- 48 hours, he admit that it was Citi mistake from day one ( XXXX XXXX ,2016 ) .He said sorry and I will not get bill again.Again Citi keep sending bill to, this time they took off later fee that they should not have charge.The bill was {$22.00}. I went to XXXX for help on XXXX.The branch manager speak to Citi on my behalf.Citi manager name '' XXXX '' told us the account would be XXXX in 2-3 days.Again the bill stay the same.On XX/XX/2016 We called Citi and they want us to fax statement from XXXX, monthly statement fo Debit card that Citi deducted money {$22.00} from.They told us would investigate that will take 7 To 14 days .Still the bill of {$22.00} remain.I got email from Citi on XXXX/XXXX/16 that they got the Fax copy from Schwabs and will investigate again.On XXXX/XXXX/16 We called Citi at XXXX XXXX from XXXX, Citi told us that they never got the Fax they want me to give XXXX debit card # again so they will investigate.I did not have card with me so they told that they will call me at home in 30 minutes, I wait till XXXX without any call.This Was fifth time that I gave XXXX Debit card # to Citi and they have never found where they post {$22.00}. I gave them all the proof that Citi took money out on XX/XX/2016 and yet Citi want to bill me for {$22.00} again.Why do they can not fix the mistake that someone at Citi mess up post {$22.00} from with they took from Debit card at wrong place.In the mean time bill is come due on. XXXX/XXXX/16 and if I do not pay {$22.00} again they will charge late fee again.

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 2015-04-28 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
Dear Sir or Madam : I am writing to file a complaint against HSBC Bank, NA for failing to provide me with a service routinely available to its richer clients. 

XXXX What HappenedThe service is a medallion signature guarantee - in effect, a stamp from a bank or other financial institution that guarantees my signature, and has checked my ID to confirm that I am who I say I am. The bank is guaranteeing that I am not forging someone else 's signature, and will accept liability if somehow the signature turns out to be a forgery. 

Because a bank generally wo n't issue this guarantee to someone they do n't know, it 's best to obtain a signature guarantee from a bank or brokerage firm with which you do business. 

In my case, that 's HSBC. I have been a customer of HSBC for many years, and have a checking account there. ( I also have used HSBC for a business account for my small private business, which is no longer operating. ) I have lived in XXXX at the same address for almost XXXX years ( we own our house ) I am employed, and I pay my bills. 

Recently, my father has XXXX, and both he and my mother have signed power of attorney over to me. ( My father 's XXXX faculties are still acute, but XXXX ) They live in XXXX I live in XXXX. I have power of attorney over their bank accounts at XXXX Bank. 

My parents are not customers of HSBC bank. I am. 

And as a long-time HSBC customer, I expected the bank to guarantee my signature -- I came prepared with the signed, witnessed and notarized power of attorney docs, my XXXX state driver 's license and my XXXX passport, as well as the XXXX request for a signature guarantee. 

After some confusion -- the account executives at the branch on XXXX XXXX, XXXX XXXX did not what a medallion signature guarantee is -- the bank refused me this service after calling someone in operations in XXXX. XXXX in XXXX, who was also unfamiliar with the signature guarantee medallion, declined to provide this service because I was not transferring securities. 

It 's true that I am not transferring securities within HSBC, but I will be transferring securities as an agent for my parents ' financial affairs. 

There is probably no law that compels HSBC to issue the stamp. But this type of service is routinely provided to banks ' and brokerage firm customers as a courtesy. 

I can only conclude that HSBC is withholding this service because I am not a rich enough customer. 
Desired resolutionI want someone from the bank in the greater XXXX area or XXXX to issue a medallion signature guarantee ( guaranteeing my signature ) so that I can complete the process of becoming agents with power of attorney to my aging parents. 

Thanks for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: KY

Complaint narrative:
I have been paying on a car that I purchased 3 years ago for {$15000.00}. My loan is through Santander. According to my payment history I have paid {$15000.00} to date. Santander says that I still owe over {$13000.00}. My payment history shows that the majority of my payments through-out the years posted totally to interest and not towards the principle at all. My loan has an interest rate of 15 % and based on the figures they have charged me 50 % to 100 % the entire time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
This Company Santander is reporting a dept closed for XXXX. I tried calling them they could not tell me what this was for. And could not find me on their records as owing them anything. This is very confusing. I do not owe this amount to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XX/XX/2015, I purchased sectional sofa at Macy 's and, in conjuction, was offered to pay via credit card with 24 month interest free period. I agreed but it took several weeks to receive a statement and during that period, was not able to make a payment online, nor was I able to view my account summary. The Macy 's credit card website state it was undergoing construction and therefore, unavailable. After finally receiving access to the website, I made my 1st payment. 

Then XX/XX/2015, I visited my local Macy 's store where I purchased several goods. The salesperson encouraged me to use my Macy 's card so I obliged. Today, I was able to review my online statement and was dismayed to learn that I 've been charged interest on the purchase these goods. Even more frustrating is that I have tried to contact the Macy 's credit card department through their online contact application but continue to receive an error message. After failing to submit my inquiry online, I tried calling the phone number listed on my account webpage. Unfortunately, I was also unable to reach a real live person. After spending 20 minutes stuck in the phone tree going from automated message to automated message, I have finally given up and hope that perhaps you will be able to help me work with Macy 's. It has become apparent that I 'm in the process of becoming victimized by deceptive practices and predatory lending. Even worse, I 'm now unable to reach someone that may be able to help rectify the situation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-22 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a Macy 's card in XXXX of 2013. I went in to pay my bill in the store. I told the clerk I wanted to pay my outstanding balance. He instead charged me for the minimum payment. Then Macy 's hit me with a couple of late charges, which after many hours spent contacting people at the Macy 's CC center, I finally spoke with a manager high enough up that was able to help me, and agreed that Macy 's wrongfully reported all lates and would have them completely removed. However, the lates were not fully removed from all XXXX credit bureau 's. Still, to this day, XXXX shows a 30 day late on that card. It has continued to affect my credit, ability to purchase, and get new 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 2015-09-14 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Debt from CitiFinancial XXXX now One Main Financial ) that was Canceled and discharged by them because of their reorganization is listed incorrectly on my credit reports as a Charge off seriously affecting my credit and my score We had a balance of around {$4500.00} when all the Citifinancials closed around us. They stopped sending statements nor made any attempt to collect this loan and we had no idea even where to contact them, For years they made no contact of collection attempts and then in 2014 canceled the debt ... Now they are listing it as a charge off. We were willing to pay its THEIR fault as they stopped sending us statements nor made any attempt to collect this loan when they collapsed. I have tried to resolve this by filing complaints about the credit reporting companies. They all say they have verified the debt. On my contact to the former citifinancil I was run around to XXXX different people who hung up on my twice and could not even find the account. I made repeated request to talk to a supervisor but was just passed on to another person or just hung up on

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation