vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-28 00:00:00
Product: Prepaid card — Other special purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Use the cared for a stay at XXXX hotels on Wednesday XXXX XXXX 2016. This was a one nite stay of {$100.00}. During the stay a problem occured that prompted the hotel to refund the amount of the stay for that night. On the XXXX of XXXX I received a receipt showing I owed no money and my balance was zero. The hotel will verbally confirm this with a phone call.On the XXXX of XXXX when the credit did not appear on my card I called customer service for Amex XXXX and they informed me that the amount will not come back on my card for 30 days, even if the merchant releases it before the 30 day period expires. 
This is a prepaid card, not a credit card where the credit on the card is dependent upon what limit you have on the card is set by a lending institution. The card holder/ consumer sets the limit on what they want to spend. However Amex has decided that if this card is used at a hotel the card holder loses his money if it is refunded by the merchant. 
This action by Amex tells me that the merchant has more rights in the use of this card that the card holder. Also Amex must be mindful of the fact that they, Amex has a fiduciary responsibility to the card holder, the merchant does not. As of the date of this filing {$100.00} has not been refunded to me and according to XXXX customer service I will not get it back until XXXX XXXX. This is grossly unexceptionable. In addition Amex is giving the merchant more rights and consideration than me ; the cardholder. That is a clear violation of the XXXX. It appears the credit contract has and is built on terms of adhesion.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
I graduated from XXXX XXXX XXXX XXXX, 2015. The lender is aware of this. They now say I am 3months overdue. I have a 6th month grace period after graduating. They refuse to address this. I have had the same problem with this lender over the years. They did the same thing when I got my XXXX. Last summer, they did the same thing, even thought I was still enrolled in y graduate program. They never address the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
They obtained a number for a relative and disclosed all my account information!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Green Square Company LLC.
State: PA

Complaint narrative:
Harassing phone calls about a XXXX loan from 2008 that I never took out. Threatening phone calls at work and on cell phone saying that I will be arrested and prosecuted, or worse. Will not give me address for a debt validation letter, nor a name for their company other than TAG ( Titan Alliance Group ). The call back number is XXXX. The sad thing is that my employer is a XXXX, and that still does n't stop the calls.

Company response to consumer: Closed
Consumer complaint received 2015-05-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Green Square Company LLC.
State: NC

Complaint narrative:
I have received several phone calls from a representative for XXXX XXXX XXXX or XXXX stating that I am going to be sued for an online payday loan that I received on XXXX/XXXX/2010 and stopped paying on in XXXX of 2010. I did not take out this loan nor did I receive the alleged funds. I am very concerned as the company had the last XXXX of my social as well as my bank account information. The company is threatening to send processors and take me to court. Please advise me of my next steps.

Company response to consumer: Closed
Consumer complaint received 2015-08-03 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
Chrysler Capital has charged me a late fee for 3 months in a row even after I presented them cancelled checks showing that I made payment on time. Have written them about this and they have just ignored me. Will not be doing business with them again

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I purchased a car XXXX 2013. I had never purchased a car that had to be financed until I purchased this one. When I purchased the car I was not explained to completely about the terms, especially when it came down to APR. When I purchased the vehicle the amount I financed was XXXX. I have paid XXXX. My payments are {$580.00} a month. My account pay off as of today is XXXX. So in almost XXXX years my amount has only lowered by XXXX. I will never be able to pay off this amount when they are putting {$400.00} towards interest and only {$180.00} towards principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Synovus Bank
State: FL

Complaint narrative:
In XX/XX/XXXX I contact both the credit bureaus and the creditor of this account to validate the dates the account was opened. I recently reviewed my credit reports and the entry as old as XX/XX/XXXX is still reporting and showing on my credit files why is this?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
ON XXXX XXXX 2015 MY CAR WAS REPO BY SANTANDER CONSUMER. THE REPO GUYS BROKE THE LAW FALSE IMPRISONMENT BY BLOCKING ME IN AND PUTTING A WHEEL LOCK ON MY CAR WHILE I WAS ATTMEPTING TO DRIVE CAUSING BREACH OF THE PEACE. THE REPO GUYS FORCED ME TO GIVE THEM MY CAR KEY. THEY DID NOT SHOW ME ANY PAPER WORK. THEY CANE ON PROPERTY THAT WAS CLEARLY POSTED NO TRESSPASSING..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
When I made the first payment, I paid the regular monthly payment and in the line clearly marked additional principal, I wrote in {$75.00} to be taken off the principal. When I received the next months bill, they had taken that {$75.00} payment intended for the principal off the next payment. When I called them, several times, they said it was taken off the principal which was clearly a lie. They record the conversation on their end, but refuse to talk to me when I told them I am recording the conversation for my protection

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Called after sent written cease of comm
Company: Southern Credit Adjusters, Inc.
State: NC

Complaint narrative:
I visited the emergency room at XXXX XXXX XXXX XXXX, incurring a bill w/them & the ER " doctor ''. Could 've sued for malpractice. Would have died if I 'd followed doctor 's advice & so walked out. REFUSED to pay the bill. XXXX has sent debt to numerous collectors, all who call, I send letter saying cease/desist, it gets sold to another collection agent. This has gotten OLD. Tonight 's call from Southern Credit Adjusters needs to be the last one. They need to take it off my credit ; it should be illegal for them to pursue me for this debt. Services were NOT rendered because I refused them - if I had accepted them, I '' d be dead.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, National Association
State: TX

Complaint narrative:
Filed an insurance claim on Homeowners for a plumbing leak on pool equipment which failed my pool deck. begin bid process XXXX 2014, submited to insurance which paid immediatly. Portion of funds went to NYCB, submitted all necessary documentation to NYCB, scheduled work to begin after a month of phone calls NYCB finally sent XXXX draw of 3k on 26k project, minimum XXXX draw requested by contractor is 30 %, weeks went by along with several phone calls and letters. contractor showed up to schedule and recieve XXXX draw, and rejected amount submitted by NYCB and declaired thier company wishes to not do business with me in fear of payment delays by my mortgage co, NYCB! Here we are in XXXX, XXXX months later and work is still not in progress, NYCB still controlling and dictating disbursement amounts for work to be completed. every call made, all you recieve is a different story, a request for different needs and or request of missing documentation. In speeking with my insurance company, they also have never had dealings with such a poor managed institution. We are not in risk of missing the window of oppertunity in the sale of our home, all due to the neglect an unethical business practices within NYCB. 
32k project today as opposed to the 26k a few months back, is expected to take 4 days from start to finish, NYCB request multiple inspections throughout process which i welcome, the 16k in which NYCB now holds in only half of what is required for this project, i am unable to submit supliment to insurance untill NYCB pays out the XXXX, this being said my family will end up paying more Out of pocket for an extendended amount of time all due to NYCB practices. Loss draft dept, is well trained at apoligizing and under trained in processes. why do i say this, because everyone you speak to tell you something different. NYCB is so behind time, they do not offer byweekly payments allow customers to pay down there note. choose wisely before considering NYCB

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: NV

Complaint narrative:
Chrysler Capital Acct reporting two invalid 30day lates + $ XXXX injustice fee charges, causing me constant financial worries & stress as im still paying bill on-time. 

Problem : This account is reporting two invalid 30day lates + $ XXXX fee charges : Chrysler Capital XXXX , Account Number : XXXX The Chrysler Capital XXXX XXXX account is being incorrectly reported. The reporting states that I was late 30 days twice ( XXXX XXXX & XXXX XXXX XXXX although I have never been late. Since XXXX XXXX, to present XXXX XXXX I have made 24 on-time payments ; I always pay this account on time. I 've been giving them $ XXXXmonth for 2 years straight, yet I am feeling mistreated. I have not been getting monthly statements through both email & mail every month, as I should be. I have been charged with an enormous amount of fee 's on my account at a apr rate so high, with injustice reasoning. Payments online have not always been reliable, so I 'd be forced to call and pay with agents, which adds an additional {$8.00} fee, schemes i have not been one to favor as their " valued '' customer. I 've given the company at least {$11000.00} and my balance only has reduced about {$3000.00} ... I want to believe they are a good business as I 've always recommended their financing but something 's need to be adjusted, I feel that it 's rightfully so my request is granted. I believe the company mistakenly credited my payments to another account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
Hello. Santander Consumer USA has placed an auto repossession on my credit reports which I disputed with the XXXX credit reporting agencies ( XXXX, XXXX, XXXX ), but they claim that they have verified this information with Santander. The credit reporting agencies gave me the name and address of the creditor that they supposedly used to verify this information and directed me to them. On XXXX XXXX, 2015, I mailed a dispute letter directly to Santander at the address given to me by the credit reporting agencies. I sent the letter via certified XXXX with a return receipt. The XXXX confirmed that the dispute letter was delivered on XXXX XXXX, 2015. To date, I have n't heard anything back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Case number : XXXXChrysler Capital. 
Office of the President. 
Chrysler Capital at this time I have not been mailed any paperwork to pay of my car. I would be willing to pay off the car if damages from the repo was deducted. Please send me some paperwork for payoff. I have not been sent any paperwork for payoff. For fear of late night repo chases and repo men calling my friends and family at home and work and the safety of my family and others. I am willing to accept a settlement offer for the payoff of the car. Please send me some paperwork or forward to collections. 
XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
In my follow up to a previous complaint, Iam very unhappy with their response. They are trying to remove themselves from this process yet Iam making payments to them. They suggest I contact the dealership, I guess this is where the runaround begins. I want to know who the " SCUSA '' is and if they are not affiliated with the dealership, how did they become involved in the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: Flagstar Bank, National Association
State: NJ

Complaint narrative:
To summarize, I have an 18-month liquid CD with New York Community Bank with a " DO NOT RENEW AFTER MATURITY '' when CD was opened with the branch manager. This is also noted on the Notes section of the CD contract agreement. This was a liquid CD type to make sure I can withdraw the funds when needed for funding my kids college costs. The CD had matured earlier this year but NYCB bank automatically rolled it into a regular 18-month CD with a very low rate, since according to the bank, I did not notify them during the grace period. Note that the original CD was a LIQUID type with a " no renewal after maturity '' terms. I was told that I would be penalized ( $ XXXX+ ) if I withdraw the money. So now, my funds are locked into this low 18-month rate with a penalty if I take my money out. I am also an " Elite '' program customer supposed to be given higher rates ( CD, Savings, etc. ), more benefits, at this bank. According to the bank, because of this " Elite '' customer status, there is a benefit to auto renew the CD when it matures and this overrides the CD contract agreement!!! When this Elite program was offered to me, all that was disclosed to me were better rates, avoidance of fees, personal service, overdraft protection, etc. There was not a mention of any overriding the contract agreement. I have spoken to the branch manager and several bank employees of the bank and I was even told that the bank do not normally follow these notes/terms on the CD contract. The NYCB bank breached the terms of the CD contract agreement by reinvesting my funds automatically into a REGULAR CD. To add insult to injury, I was told that as an added benefit going forward, they will revised their policies to make it clearer to customers going forward. I have mailed a copy of the complaint to the CEO/President as well as the COO. I am still waiting for a reply. Since these operational procedures are not followed at this bank, it is causing customers like me to suffer and pay for their violations. I want to raise all these points to the regulators so it should prevent others to suffer like me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I have a home depot store credit card that I use in the store. I made a few purchases that had a 6 month no interest promotion. Every month I pay more than the minimum payment thinking that the excess would be applied to the promotional purchases. No one told me that I had to pick up a phone and call home depot to let them know that I want my excess payment to be applied to the promotional balance. I have paid more than the minimum payment for over a year and a half and my account was still hit with hundreds of dollars in interest for not paying off the promotional balance within the 6 month period. 
This is a deceptive policy because I have been overpaying my account each month expecting the excess funds to be applied to the promotional purchases to pay the balance down. I realized that my balance kept growing even though I was overpaying. Customer service informed me that I did not call to notify them that I wanted to do the logical thing and apply the extra payment to the expiring promotional balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-06 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
After over six years of timely payments, Citibank has my credit card in default status and has been billing me at an 29.95 % APR during this period.

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 2016-06-29 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I opened a Citigold checking account on XXXX XXXX, XXXX. I signed up with a promotion that said that were I to meet a certain set of criteria, I would receive XXXX ThankYou Points as a bonus. 

I confirmed multiple times with Citibank representatives via online chat that the bonus was indeed applied to my account. I have documentation of one of these interactions, which happened in XXXX XXXX. A representative, XXXX, confirmed that I had the bonus applied to my account, that I had met all the necessary requirements to meet the bonus, and that I would receive the XXXX ThankYou Points by no later than XXXX XXXX, XXXX. 

After XXXX XXXX had passed, I once again contacted Citigold online and spoke with a rep, XXXX. He told me that the promotions team would instigate an investigation about th e points. 

I then received an email from XXXX XXXX, from Citi 's Client Research department, who told me that " Unfortunately, there was not ThankYou ( R ) Points promotion offered in conjunction with the opening of your account. '' However, multiple citi reps had confirmed to me prior to the XXXX letter that I did in fact have the bonus attached to my account and that I would receive the points at the end of XXXX. I know the bonus was attached to my account, since I would never have consented to open the account and pay the $ XXXX monthly fee otherwise. I hope Citibank follows through on its promises and sends me the promised XXXX ThankyYou 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 2016-08-25 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FMS Inc.
State: WA

Complaint narrative:
After reviewing my XXXX credit report I was very concerned to realize that I had negative items listed that are all medical debt from the same company FMS Inc with the original debtor showing XXXX. I immediately contacted XXXX and was told they did not have any services rendered to me with a balance owed ( I am including documentation ) which shows any services I had have a XXXX balance and that had if had any services ( Which I did not ) they would have been fully covered insurance. This leads me to believe either this is a matter of identity theft or someone else 's information reporting to my report. I have struggled to navigate through the muddy water of removing these medical debt inaccuracies on my credit report which continue the negatively impact my overall credit. I have never received any communication from FMS Inc stating that I owe the debt nor have they legally validated the debt after several disputes with FMS Inc. as well as XXXX & XXXX I have had continuous medical insurance with my employer since XXXX through XXXX as well as dual coverage from my husband which is a XXXX service member through XXXX. This is also validated through XXXX the original debtor which I am including in documents ( this would leave no reason for an unpaid medical bill ). I have disputed the validity of this debt with XXXX and Fms Inc. multiple times. I do n't know how The credit bureau 's or FMS Inc could accurately or fairly verify the accuracy of this debt and still remain within HIPPA laws. XXXX was unable to validate anything was owed which I am attaching Billing info as documentation. I am including my history with XXXX, My Insurance Info and everything else that should allow XXXX the promptly remove these inaccuracies from my report. I feel very violated that I even need to provide my medical history to show that I have not had services unpaid through XXXX. 

All account posted to credit bureau on the same day. on XXXX FMS XXXX XXXX/XXXX/XXXX {$3900.00} XXXX Debtor XXXX FMS XXXX XXXX/XXXX/XXXX {$2500.00} Origianl Debtor XXXX All account posted to credit bureau on the same day.XXXX FMS XXXX XXXX/XXXX/XXXX {$3900.00} Origianl Debtor XXXX FMS XXXX XXXX/XXXX/XXXX {$2500.00} Origianl Debtor XXXX FMSXXXX XXXX/XXXX/XXXX {$460.00} Origianl Debtor XXXX

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