vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: GREAT LAKES
State: TX

Complaint narrative:
On XXXX XXXX FFEL loan serviced by XXXX XXXX XXXX disappeared from XXXX website including historical payment and interest paid. Called XXXX on XXXX XXXX and was advised loan was resold back to guarantor Great Lakes Education. Next day XXXX XXXX, luckily I observed email from Great Lakes requesting payment due in 9 days when monthly payment was previously accepted for XXXX by XXXX! [ see attached ] Both XXXX & Great Lakes failed to send any prior written correspondence informing of future change in creditor, loan balance, amortization schedule, payment amount, how last payment would be applied, or where to send future payments. Without personal vigilant proactive awareness, I would not be aware of a change in this debt ownership, or balance details! 

I called Great Lakes and their rep informed me they only send digital notification for account issues and the responsibility to notify change in ownership should be from XXXX. Great Lakes website had outdated contact information for me except for my email address which was the only contact that was still valid. How do I know their balance calculation is correct without any written correspondence to confirm??! 

In my recorded call to Great Lakes, their rep also advised me to ignore the statement due date while they try and " figure it out '' despite interest accruing each day. I can not just ignore a payment request and hope they " figure it out ''. XXXX advised me that Great Lakes should have notified new change in ownership while Great Lakes points blame at XXXX. Both servicers are not legally handling this migration correctly and giving no valid proof of debt. 
I request Great Lakes send me an amortization schedule to validate the transferred loan amount, the calculated interest, payment calculation, and historical payment information. Great Lakes advised me they do not provide amortization charts which I feel is a violation of my FDCPA and TILA rights. The loan has already accrued new interest while I am in dispute. Great Lakes has tried to redirect me to the statement balance which is NOT a VALIDATION of debt pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. 

To recap, I am asking these lenders to validate the original debt by providing original written bearer of instrument of original loan documentation, provide full method of verification of origination loan balance principle, interest amortization disclosure, and fees for this debt up to and including the transfer to Great Lakes. I also want transparent information how my XXXX XXXX payment was applied to the loan balance prior to the XXXX XXXX loan transfer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
Today I went into a branch and spoke with XXXX XXXX [ XXXXXXXXXXXX ]. I wanted to close my TD Simple Savings Account ( Acct. No. ending in XXXX ). XXXX XXXX advised that she closed the account but I am not confident that the account was closed and that I will no longer be charged any further fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I opened a Citigold checking account XX/XX/2016 with the targeted XXXX code for XXXX XXXX XXXX miles. The promotion required {$1000.00} in debit card purchases and 2 consecutive months of bills paid online. I fulfilled these requirements in XX/XX/XXXX, and was told that I would receive my miles in my account by XX/XX/XXXX. I received written confirmation via live chat that I was qualified and eligible, and also have the results of an investigation that confirmed I was eligible. I was told both times that I would receive the miles within 90 days of my last qualifying purchase ( in XX/XX/XXXX ). However, it is past when I should have received them and I am being told that I there is yet another review going on to see if I am eligible. In the meantime, I have been charged service fees twice while waiting.

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 2015-08-23 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
My daughter is in her XXXX year of XXXX at XXXX XXXX XXXX and the University of XXXX in XXXX, TX. She has taken out a number of loans from various financial companies to finance her XXXX education, including XXXX XXXX Loans and Citibank. She has always been prompt in asking for deferral or forbearance until she completes her program. Recently, she discovered that XXXX of her loans with Citibank had been sold to XXXX and then, in a very short period of time, resold back to Citibank, declared delinquent and then turned over to a collection agency. At that time, the debt collectors then began calling me to demand payment of the full amount. No one at any time contacted me about the past due status of the loans, nor did they contact her either by phone, voice mail or letter. The fact that the loans changed hands XXXX during this time frame has made communications very difficult and confusing. I should note that XXXX has loans with Citibank that ARE in deferral, adding to our frustration and confusion. Both my daughter and I fully intend to honor the debts. Had Citibank or XXXX acted in good faith and communicated adequately at all, this would have been avoided. All we ask in this complaint is that the XXXX loans be removed from delinquent status, that XXXX be allowed to pay the past due amounts and that repayment of the remainder of the XXXX loans be deferred until she completes her program in XXXX 2016. I would also ask that my credit reports from the reporting agencies be repaired by removing these delinquencies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
So I started working with Citi over a year ago, as detailed in another complaint. After extensive back and forth where they asked for my paystubs and bills, they eventually decided that they would not help me refinance. They have said they pre-approved me for short-sale, but wo n't help me stay in my house. 

This seems such a waste to me. I finished my XXXX, have a good job which would let me pay my mortgage ( I make XXXX/year doing regulatory compliance ), and rather than work with me to get out of foreclosure, so I can keep my house, and pay my mortgage, they insist I leave. To sell the house, I would have to get Title V approval, and possibly build a new septic system. Why I would invest more money into a house that I am just going to have to leave is beyond me. 

I do n't really want to declare bankruptcy and see if a bankruptcy judge would approve a new mortgage plan. I do n't want to invest further in a house I ca n't keep. It just seems such a waste. Sure, to refinance they would probably have to write some of the debt off, as I am already underwater, but that money is gone if they foreclose anyway. I honestly do n't know what else to do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I purchased a XXXX ( not diesel ) in XXXX. It was considered a demo, driven by the XXXX dealer manager for a year. On XXXX, I brought the car in because the engine light was on and I was due for an emission test. ( I regularly had all service done on the car..but not necessarily with XXXX, had issues with them ) I had had an issue with the engine light being on sporadically for as long as I owned the car, it was repaired but then would come back on.The day I brought the car in the XXXX service center said there were 4 issues with it. I picked two to be repaired which would include the engine light issue and the other one XXXX thought was more important, with the other 2 to be repaired at a later date. I had just spent over {$2200.00} in repairs 2-3 months previously. Five minutes after I pulled out of the dealership the engine light went back on. I was on my way out of town so I could not return. I am disputing the XXXX charge. I have reached out to the State of CT Attorney General 's office, obviously I am not important enough ... they only do " mediation '' ... I have spent hours putting together all my paperwork..and ST of Ct only sends me XXXX copy of their reply ..twice. I did dispute the charge with my credit card company ( CitiCard ), which they originally credited me..but the charge was put back on my card. I am willing to sacrifice my credit on principal. The employees at the XXXX CT XXXX dealership lied. I am attaching backup for your review. Your help is very much appreciate.

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 2016-07-20 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX XXXX is threatening to sue me for an old debt they bought that is out of the statute of limitations for California. They have also failed t mail me a letter 5 days after calling.

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 2015-08-13 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Macys XXXX has placed me on electronic billing statements without my permission several times. I have gone to their website to request paper statements to just be switched back to electronic statements a few months later without my request. Being that Macys spams my email account several times a day with unwanted marketing material, I opt out of their emails which removes Macys.com from my email box and therefore electronic statements never make it to me. This has happened twice in 18 months which resulted in 2, XXXX lates reporting to my credit reports over the last 18 months. Macys customer site for their consumer charge card is confusing and uses multiple pop ups trying to trick the consumer into electronic statements without the consumer understanding.

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

Complaint narrative:
My closing agent mailed a check to payoff my CITI credit card on XXXX for {$2600.00} the check was cashed on XXXX by CITI, but as of today CITI still shows that my credit card have not been paid off. They are charging me late fees and reducing my credit line because of this issue.

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 2015-07-07 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Financial Asset Management Systems Inc
State: CA

Complaint narrative:
Financial Asset Management Systems ( FAMS ) has kept my credit cards on file even after repeatedly telling them that I do not consent to them keeping my information on file. FAMS is engaging in illegal and deceptive tactics in flagrant violation of the Fair Debt Collection Practices Act. I never consented to allow FAMS to keep any card information on file, and even after repeatedly asking them to remove the information they have not done so.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 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:
I had a car loan with Santander Consumer Bank. The loan was paid off XX/XX/2014, but they are reporting to the Credit Bureaus that there were several late payments. I have sent them multiple letters asking for validation that those payments were late, but have not received any response. The account is paid in full, but those late payments are affecting my credit.Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
I hold a lease with Chrysler Capital ( Santander Consumer USA ), which began XX/XX/XXXX. At the time, I opted to have auto withdrawal payments from my XXXX checking account, as a matter of convenience and guaranteeing timely payments. XX/XX/XXXX, I received an alert from my credit monitoring agency that I had a negative alert from Chrysler Capital, stating that I was 30 days past due on a payment. After doing my due diligence, I confirmed nothing had changed with my XXXX account, sufficient funds were readily available, and Chrysler Capital never attempted to withdrawal the XX/XX/XXXX payment of {$420.00} from my account. 
After contacting Chrysler Capital numerous times and being transferred to multiple departments, I received the worst customer service and treatment. I was told it was not their problem, and while they could confirm I did not cancel my auto withdrawal they said " its possible just by logging into your online Chrysler account you cancelled it '' ( I logged in as soon as I saw the negative judgement on my credit report, and my Chrysler account itself said and still says im set up on auto withdrawal ). Chrysler said they will not take back the negative judgement on my credit report ( my credit score and report have been without any flaws or judgements my entire life ). Now My credit score has this mark, plus has dropped XXXX points as a result. I confirmed through my original lease, CC 's Ts and Cs and their own website that the only way to cancel your auto withdrawal is to send a written confirmation to them, which I never did. I did not want the auto withdrawal to stop ... this was an error on their end that they are penalizing me for. 

I need help, and cant get it from them ...

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: NV

Complaint narrative:
i took out a simple interest auto loan at 25 % ish. i have paid over {$20000.00} in interest and less than {$3000.00} in principle since XX/XX/2010. 

i was hit hard by the economy, and did get behind. I had a couple deferments. When Icalled to ask what my pay off was just to get an idea I was floored that I still owe today what I financed XX/XX/2010. This feels criminal, and the DOJ file suit and sought damanges against Santander for their practices with Military Members. There has to be something I can do. I have my payment history. If upon your review you say it is legit then I will accept that.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 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:
I am currently looking to purchase a new truck. I am very interested in a XXXX XXXX pickup. So while I was researching XXXX trucks, I applied for an auto loan clicking on the " Apply for Credit '' link from XXXX which lead to Chrysler Capital. On the Chrysler Capital website, words were stated that made me believe that I could get approved for a loan by submitting my information. I have always thought that after an auto financier approved me for a loan they would disclose all of the terms of the loan. After submitting my application, I received a " pre-approval '' of {$58000.00}. However, nowhere on the document did it state the APR or Length of XXXX. I called Chrysler Capital and was told that this was information that the dealer would disclose to me. Why is that??? I applied with Chrysler Capital. I feel that Chrysler Capital and the Dealer are in collusion to charge me an excess amount of interest on my loan, and pressure me into buying undesired financial products. I truly feel that I was taken advantage of here. Chrysler Capital asked me to submit my personal and private information by luring me with their offering of loan approval. But after said loan approval, Chrysler Capital is refusing to fully disclosing the terms of said loan. 

I will advise everyone to avoid Chrysler Capital and apply to a full disclosure bank for your auto financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: Flagstar Bank, National Association
State: NJ

Complaint narrative:
I opened a bank account at Garden State Community Bank in XXXX, NJ, a branch of New York Community Bank. I explained to the manager XXXX that I would be making cash deposits on a XXXX basis of approximately $ 3,500- {$4000.00} per XXXX based on my XXXX take home pay from where I work. I receive a paycheck from XXXX XXXX Bank each XXXX and then take the check to a XXXX XXXX Bank branch up the block to be cashed. After taking some money for myself and giving my wife some money, I deposit the rest into my checking account in cash to pay bills. She assured me this would not be a problem. A few months later, a new manager, XXXX, informed me that she had heard from the back office that there was a problem. I explained to her what I had explained to XXXX, and she told me everything would be fine with the explanation. A few months later, a new manager, XXXX, said she had been contacted by the back office as well. I explained to her as I had explained to XXXX and XXXX previously, and offered to give her a copy of my pay stubs to show where the cash was coming from. She agreed to review the pay stubs and send copies to the back office. She then assured me there would be no more problems. I then received a letter from the VP of the Bank, XXXX XXXX, informing me that there was suspicious activity in my account and that the bank would be closing my account effective XXXX XXXX of this year. I called and spoke to XXXX and when I explained everything to her, she assured me that everything would be fine and I would be able to continue my banking. I then spoke to XXXX XXXX who told me that he would review it and yes it was the cash deposits i was making, but that it is highly unlikely that the bank will reverse its decision. He informed me that they were under the scrutiny of Homeland Security. I told him that I had a problem with this decision because I was doing nothing illegal. He confirmed I was doing nothing illegal, however he again said it is very unlikely that the bank will overturn its decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Dear Sir/Madam, I am writing to complain you of actions by my bank. I purchased a car which I financed through Santander Consumer USA of Texas. On XXXX XXXX 2016 my car was damaged. XXXX ( insurance company ) sent to Santander Consumer USA Total Loss pay off check, which amount is {$13.00} XXXX. Santander Consumer USA received the check on XXXX XXXX 2016 that is confirmed by the account information. From that moment began to occur incomprehensible actions. 
On XXXX XXXX 2016 was posted information that only {$340.00} was paid instead full amount ( {$13.00} XXXX ). Then the amounts of {$680.00} and {$3.00} XXXX were posted on XXXX XXXX 2016. The balance was changed to {$10.00} XXXX. On XXXX XXXX 2016 also the amount of {$340.00} was posted. Even after spending several wasted hours trying to found out what happened, I did not get a clear answer. Different representatives told different untrue information. 
On XXXX XXXX 2016 I got the information that there was an error in my account and Santander Consumer USA will correct this error up to XXXX/XXXX/2016. Also, my auto loan will be ended. But nothing happened. They continued to place unclear data instead of correcting the error and close the loan. I was surprised I still have to make monthly payment on XXXX XXXX 2016. The balance was changed from {$10.00} XXXX to {$13.00} XXXX. I was upset to see the terrible data. They put me and my wife in a stressful situation. 
My attorney called them to ask what do I have to do. The supervisor told that Santander Consumer USA has all documentation from XXXX and I do not need to make monthly payment. But the data has not been updated yet, I still have to make a payment. I am afraid to get a bad credit score. I have read a ton of stories like mine. Probably, they want to get more money that they can get. 
Please, help me to resolve the situation. 
Thank you!

Company response to consumer: Closed with explanation