vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-27 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 purchased a used XXXX VW Passat in XXXX XXXX for {$18000.00} from XXXX. The car was financed by Santander. I have made 49 payments on the car at a payment of {$530.00} per month. As of XXXX XXXX, I have paid over {$26000.00}. I still owe XXXX on the vehicle. Since buying this vehicle, I have read numerous complaints about this company overcharging customers for car loans. 

Earlier this year my car had to be repaired due to mechanical issue. I called Santander to ask if I could get an extension on my car payment for that month. I had to call back in ten days for a response all while my car payment was due. The extension was denied because of this late fees were attached to my bill. 

Santander calls you even before your bill is due. I have received calls on Sunday and numerous times throughout the day. They charge outlandish fees to pay your bill online or by phone. I called Santander to ask them if I could refinance my car and was told they do n't refinance cars. I have tried to get my car refinanced with other companies but was told that my car has negative equity. Basically, I owe more on the car than it is worth. Is there a class action lawsuit? If so, I would like to join.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
We had a loan for 72 months then extended it for 2 more years, my total payments for the 72month term with interest of 19.24 % should have been {$30000.00} as of today XXXX/XXXX/XXXX I have paid 74 payments, on XXXX/XXXX/XXXX we had to sign an agreement to extend the loan for 2 yrs because the company said we owed with interest over {$15000.00}, they agreed to lower interest to 4 % for 24 mths and the company is telling me I still owe a payoff amount of $ XXXX with late fees, etc ... how can this be. According to extended agreement we wold make 24 more payments of {$300.00}, that 's {$7300.00}. We have made 9 of those payments to date. ( {$2700.00} ) We should only have {$4500.00} left on the extended agreement. They charge me {$10.00} for each payment I make and charge a late fee of {$30.00} from the 1st day it 's late. They are completely ripping people off. I will have paid over {$40000.00} once I 'm done. That is insane I did not buy the car new it was preowned and needed a new transmission after only having it for 1 year. I feel I am totally being taken advantage of and do not owe $ XXXX, The car is not even worth {$5000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I have a vehicle loan with Santander Consumer. I 've been trying to pay this off by paying towards my principal. My XXXX/XXXX/2015 statement said the balance was {$8800.00} with a principal of {$8700.00}. On XXXX/XXXX/15 I made a monthly payment of {$470.00}. I called the company around XXXX/XXXX/15 to make it known that I would like to send in payments towards my principal. I explained this was n't possible online through the company 's website. I was advised that I had to make a payment XXXX then call in to make them aware the payment was to go to the principal only. On XXXX/XXXX/2015 I made a {$1000.00} payment towards my principal and called in as I was advised to do. The company applied so much towards the payment and the rest towards the interest. I kept calling in to have this corrected. The company kept saying it was being taken care of. My XXXX/XXXX/15 statement came and stated the balance was {$7500.00} and a principal of {$7400.00}. So on XXXX/XXXX/15 I made another payment of {$1000.00}. Same thing happened after calling in and making them aware the payment was for the principal only. Since then I paid my XXXX/XXXX/15 regular payment of {$500.00}, ( but the regular amount is {$470.00} ) on XXXX/XXXX/15. I called in on XXXX/XXXX/15 to do another principal only payment of XXXX. I called back to ask what was the balance before the principal and got a price of {$6000.00}. I asked how after I have made principal only payments and XXXX monthly payments. I believe my balance after the XXXX/XXXX/15 principal balance and the payments I have been making that this is TRULY and error. I keep getting the run around about this so I asking Consumer financial to follow through with this so I may be treated fairly and pay what I owe and not be cheated. I was informed that I ca n't get a number to the accounts department because the company only communicate via email.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Green Square Company LLC.
State: KY

Complaint narrative:
Talked to my mother about my debt. Told her they will have me put in jail. This is from XXXX they sold the debt to a thrid party. Call after call threat after theart.

Company response to consumer: Closed
Consumer complaint received 2016-04-06 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
santander consumers has placed false late payments on credit XXXX from XX/XX/XXXX after having a dispute with rep and continuous asking for good will removal of one true late payment XX/XX/XXXX due to illness after having a shouting match Santander XX/XX/XXXX XX/XX/XXXX added XXXX false late payments to my account and I would like them removed I have provided payment history to credit bureau for removal and still no removal I want this removed from my credit only true late payment would be XX/XX/XXXX when I had XXXX for XXXX and was off work. XX/XX/XXXX was a deferred payment approved by santander and they used that month as a late as well this is unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Synovus Bank
State: FL

Complaint narrative:
Recently I made a payment to first progress to pay off my outstanding balance. The amount was debited from my account as an ACH check since that is the ONLY way that the take payments. Since the beginning of having the card they have been a total pain in the XXXX to get a pay to. I made the payment on XX/XX/XXXX of this month, and no credit was available to me even though they received the money from my bank and my balance was XXXX. I called them on XX/XX/XXXX in regards to this and they informed me it would take up to 15 days for me to have the credit available, Irate I closed the account and demanded the deposit back, and they told me it would take up to nine weeks to get my deposit back. This is completely unacceptable. they got the deposit for the card in a timely manner they should return it in a timely manner, and 7-9 weeks is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12 00:00:00
Product: Credit card — 
Issue: Other — 
Company: Synovus Bank
State: MO

Complaint narrative:
XXXX XXXX, Missouri Re : Balance Incorrect on First Progress Credit Card On my Credit Reports with the XXXX agencies, First Progress is showing I owe Then {$470.00}. That amount is incorrect I owe them nothing. This was an Unsecured Credit Card with my Deposit of Cash for {$300.00} for a {$300.00} Credit Line. 

I asked for them to Close the Account because I do n't Trust Them. 

I want to correct information sent to the XXXX Reporting Agencies that I Owe them nothing and the Account Closed with No Balance Owed. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16 00:00:00
Product: Credit card — 
Issue: Other — 
Company: Synovus Bank
State: FL

Complaint narrative:
First Progress Card is reporting late payments on my credit report that is damaging my credit. I have fraudulent transactions that I did not authorize which I filed disputed. It was found I was not responsible for this transactions and items were reverse. I would not have been responsible for making payment for this transaction while investigate was in process. Account was closed and paid in full with {$300.00} security deposit required to open account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Complete Collection Services, Inc.
State: VA

Complaint narrative:
I want to have this issue removed from XXXX and XXXX as well

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SUN LOAN COMPANY INC.
State: AK

Complaint narrative:
I do n't know, someone else 's loan. 
SunLoan.com Does n't understand Do-not-call list rules ; asked to be removed from being called two months ago -- calls again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: Synovus Bank
State: WV

Complaint narrative:
Contacted First Progress Bank XX/XX/XXXX and spoke to XXXX different individuals who stated they have closed the account and will have in removed within 90 days. Contacted them again in XX/XX/XXXX and they refused to discuss the account because it is closed and marked as fraud. But they still have not removed this from the credit reports from the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: College Loan Corporation
State: PA

Complaint narrative:
Received correspondence from XXXX XXXX, XXXX XXXX XXXX, XXXX, MA XXXX have a second address on form of XXXX XXXX XXXX, XXXX TX XXXX phone number XXXX - stating that they are collecting a debt from original creditor college loan corp/XXXX. Total due {$10000.00}. This is not my debt and they will not provide me with documentation about this debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: AZ

Complaint narrative:
I financed a vehicle in XXXX XXXX from a company in XXXX County California called my car agent. It was a buy here/ pay here deal where I made my payments directly to the company due to my credit score. I had the car for over a year and made all my payments on time. I ended up losing my job in XXXX of XXXX and my unemployment benefits ran out later in the year so I was unable to pay my car payment and still without a job. By that time the company had changed their financing to a company called drive it financial services. So when I surrendered my vehicle it was a repo and the company started trying to collect. They never sent me anything regarding how much the car was sold for or the manner in which is was disposed. It was a XXXX Saturn with XXXX miles on it. I owed a little over XXXX on the car and when I started being harassed for collections I was told that I now owe about XXXX meaning the car was sold at about a thousand dollars. I received many harassing phone calls from people claiming to be lawyers who were rude and I requested documentation verifying how and when the vehicle was sold in order to ascertain how much I truly owe and the company refused. I do not feel comfortable moving forward and paying a balance if there is no proof that I truly owe this. What if this car has been sold for more money or financed to another individual and I do not owe this amount they are seeking? I need answers

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: SUN LOAN COMPANY INC.
State: TX

Complaint narrative:
This is my XXXX request to CFPB to file a complaint. I have provided written cease and desist notice by mail XXXX/XXXX/2015 XXXX ). The phone calls continue. I sent another letter on XXXX/XXXX/2015 and today I faxed the letter to please stop the harassing phone calls. The phone calls have escalated to XXXX a day. I work from XXXX M-F and drive patients to their appointments for a living. Sun Loans calls my personal cell phone everyday.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I purchased a refrigerator from Sears. The Sears sales representative made me aware of a two year no interest payment option by applying for and using a Sears credit card. I opened the credit card and made the purchase which included the refrigerator as well as a {$490.00} protection plan, which they assured me could be returned for a full refund. I decided to return the protection plan, which was fairly straightforward. The return was reflected on my account and I was pleased. Some time after this I noticed a charge of {$490.00} and then a refund of {$490.00} on the same day. Since the net effect was zero, I did not think too much of it. On my next statement I see that I am being charged interest on a non promotional balance of {$490.00}. From what I can tell they charged {$490.00} to a " non promotional balance '' and then refunded it from the promotional balance, which was the account that does not charge interest.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ASTA FUNDING INC.
State: TX

Complaint narrative:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I opened up a CitiGold checking account back in XXXX 2016 using a promotion that would give me XXXX ThankYou points once I have made XXXX bill payment for XXXX consecutive months. I completed that requirement in XXXX 2016 and had n't seen my points posted yet. I called several times since XXXX 2016 and the rep confirmed that I would see my points within 60 days after completing the requirement. It has been 5 months and I still have not received my points.

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 2016-12-26 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I noticed I have been getting charged for Payment Safeguard service that I did not sign up for. This is not the first time I have had citibank charge me a fee like this. I cancelled last time. But I did not authorize it either time. I did n't notice at first b/c my accounts are on auto pay.

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 2016-07-10 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I have applied for a costco visa anywhere card and did not receive the card. I tried to contact the citi card credit card customer service but they could not find the card. Currently I would like to either receive the card or block it and close the account for good. 

Thanks,

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 2016-07-08 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
This is an extension of case number XXXX filed on XXXX/XXXX/2016, which states : " I opened a Citigold checking account under promotional terms that would award me XXXX Citi ThankYou points after meeting certain requirements. I had met the requirements in XXXX 2016 and waited the mandatory 90 days before miles would be posted. I also had an agent confirm on live chat on XXXX/XXXX/2016 that my account was indeed enrolled in the promotion and that I had fulfilled the requirements. But yet Citibank would not and has not honored the promotion. '' The company 's response on XXXX/XXXX/2016 was : " XXXX XXXX, please accept my sincere apology for the inconvenience you described. Our goal is to ensure that all of our clients are provided with the highest level of service and we regret that you had cause for dissatisfaction under any circumstance. I assure you that our marketing strategies are certainly not intended to mislead you. Citibank, like other banks, periodically offers promotional bonuses to deposit account applicants to attract new clients. In order to conduct our promotions in a manner consistent with sound business, we may customize offers by direct mail campaign initiatives to select individuals ; in addition to the requirement of the standard terms and conditions that Citibank discloses for its promotions. 

In our review we found that the offer in question, promotional code XXXX, was not directed to you. However, Citibank fully respects any obligations made to you by our representative on XXXX XXXX, 2016. Therefore, we are honoring your request and the XXXX ThankYou points will be applied to your ThankYou account within 30 days. 

Thank you for allowing us the opportunity to respond to your concerns. '' I have since responded again on XXXX/XXXX/2016 with : " A day ( XXXX XXXX ) after receiving your response, I received another letter ( attached ) in my Citi online banking account. It stated " Unfortunately, there was not ThankYou ( R ) Points promotion offered in conjunction with the opening of your account. While Citi does offer ThankYou ( R ) Points promotions at times, those offers are only available to the individual to whom the offer was addressed. '' While that is partially in-line with the CFPB letter dated XXXX XXXX, the latter XXXX XXXX letter did not indicate the promotion would be honored nonetheless as the CFPB response letter did. And while it has yet been 30 days, I have not received the points thus far and I am unsure at this point of the direction of resolution. Please re-assure that the XXXX ThankYou points will be applied to my ThankYou account as soon as possible. Thank you. '' I did not receive a response from that latest message. Now that 30 days has passed from the initial promise, I have yet to receive the promised XXXX points.

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 2015-08-25 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I have had a citi bank credit card for 10 years. The lending amount is XXXX {$.00} In 10 years I have charged and estimated amount of {$7300.00}. I have paid on this card in 10 years an estimated {$13000.00} with {$7000.00} of that being interest alone. In XX/XX/XXXX Citi bank raised my interest rate for 12.44 % to 14.99 % and I am unsure why. I also lost my job in XX/XX/XXXX and have lost a total of XXXX per year in income. I would like to negotiate a settlement with Cit Bank to pay off this credit card but they are saying I am ineligible for a settlement. I have never missed a payment and have had XXXX fee assessed to me in 10 years. Can you help me negotiate a discounted payoff?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: ID

Complaint narrative:
I took out an application on a credit card at Home Depot in XXXX 2015 because I was offered a promotion of 0 % interest for 18 months if I purchased items totaling between $ XXXX. I purchased a lawn mower for {$1200.00}. The front page of the invitation says no interest if balance paid in full during this time period. I just got my statement for XXXX and I was charged {$190.00} in interest because the balance was n't " Paid in full within 6 months ''. This is the small print inside of the offer that does n't coincide with the large print on the offer. I have documentation of all this if needed. The card is issued through XXXX Bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-27 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I purchased a XXXX Enlightening mattress set. Six months after the purchase date the left side of the mattress started sinking at  least XXXX inches EVERY NIGHT! My wife has to reach "up a hill" every night to hug me. She has XXXX problems because the middle sinks lower than the top and foot of the bed on that side - EVERY NIGHT!!!
XXXX sent out a "bed checker." He pressed the bed in for a few seconds - took his handy ruler and proceeded to submit a report. We received a letter stating "the mattress is contouring to the shape of your body." Really - so sinking into "the panels" is to be expected? 
It is absolutely ridiculous to think that a legitimate complaint about a XXXX product could be taken so lightly. The fact that this product is impacting my wife's health  - who is a XXXX is truly worrisome. The bed was supposed to aid in increasing our well being and not in diminishing it. Every morning my wife has to pull herself out of the bed as if she is struggling from an abyss. XXXX This bed is a MENACE!!! We have more aches and pains with this new bed than we did with our 10 year old mattress. This is the worst product we have ever purchased!!! EVER!!!

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