vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-15 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
My credit card issuer, Citi Visa, assessed my account with a late payment fee of {$27.00} on XX/XX/XXXX that was a direct result of their online payment system being unavailable to access requests from XXXX. In speaking with their technical support services staff 1 day prior due date of about the issue they informed me that they were not able to provide an alternative and advised me to contact the Citi Customer Service line during regular business hours. They assured me that my access attempts and phone call were logged and that the matter would be rectified without penalty. 

On XX/XX/XXXX I contacted Citi Customer Service via their online Chat Service and spoke with an agent who informed me that they would not refund the late fee despite the online payment system availability and the assurances from their technical service staff and prior chat session representative. I attempted to escalate the issue by requesting to have a supervisor contact me to provide my chat session notes and the my account of all that occurred but the representative insisted they would not reverse the fee.

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 2015-05-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION
State: HI

Complaint narrative:
WE SEND ( XXXX ) ACCEPTANCE FOR VALUE AS A REMEDY FOR SET-OFF OR DISCHARGE OR PAYMENT AS ANINSTRUMENT TO PAY THE MORTGAGE. EXEMPT FROM LEVY AND CHARGE THE SAME TO OUR NAMES. XXXX ORDER / DATE/USING OUR EXEMPTION IDENTIFICATION NUMBER. I IT WAS MAILED VIA CERTIFIED MAIL WITH RETURN RECEIPTS. IT WAS DONE USING OUR CHARGING SHEET. WE HAVE RECEIVED THE RETURN RECEIPT SINGED. XX/XX/XXXX WE MAILED. THE BANK/OR MORTGAGE CO. RESPONDED WITH THEIR LETTER AND WE RESPONDED TOO ALONG WITH OUR LETTERS THE WE RETURNED THEIR LETTER USING THE WORDS ACROSS IN DIAGONAL WAY : XX/XX/XXXX HOUSE JOINT RESOLUTION XXXX NEXT LINE IS BANKRUPTCY COURT OBSTRUCTION PROCEDURES, BELOW IS ; OF ADMINISTRATION DEPARTMENT AGENCY OFFICIALS..ALONG WITH OUR PETITION CERTIFIED/REGISTERED FILED STAMP AT ATTY. GENERAL AND IN THE BUREAU OF CONVEYANCE ALONG WITH OUR AFFIDAVITS. THE BANK DID NOT REBUT THE AFFIDAVIT BUT CONTINUE TO SEND LETTERS WITH THEIR OWN OPINIONS..WE ARE FILING XXXXLIENS ON OUR PROPERTY ALONG WITH OUR PETITIONS..TO THIS DATE THEY REFER OUR LOANS TO HOMEOWNER 'S ASSISTANCE CENTER TO THEM WE ARE IN DEFAULT PAYMENT. THAT MEANS THE BANK DID NOT BALANCE THEIR BOOKS THE DEPOSIT ( XXXX ) THAT WAS OFFERED AS A GIFT TO SET-OFF MORTGAGE BALANCE.THE TEL.NO. IS XXXX -- XXXX THE LAST LETTER WE RECEIVED. SO WE WANT CFPB TO INVESTIGATE THIS MATTER .AND WE WANT TO DISPUTE ANY NEGATIVE REPORTS FOUND ON OUR CREDIT REPORTS BUREAU 'S : XXXX XXXX ; XXXX XXXX EQUIFAX XXXX OUR FICO SCORE WILL BE AFFECTED TOO.IF ANYTHING FOUND AND REPORTED. ( I AM STILL REQUESTING MY CREDIT REPORT AT THE BUREAU ). WE HAVE THE RIGHTS TO BE PROTECTED AS CONSUMER, WE HAD FOLLOW THE LAW XXXX- XXXX LIENS THAT A REMEDY IS AVAILABLE BY LAW. ALSO, IF ANY WHO VIOLATES THE LAW WILL BE PUNISHED UNDER TITLE XXXX SECTION XXXX IS A COPYRIGHT INFRINGEMENT FOR USING OUR NAMES TO PROMOTE BUSINESS WITHOUT OUR CONSENT/PERMISSION.UNDER ARTICLE XXXX XXXX XXXX XXXX A HUMAN RIGHTS VIOLATION/ XXXX XXXX AND WILL FACE LIFE IMPRISONMENT OR DEATH SENTENCE IF FOUND GUILTY. HOPE CAN FIND HELP HERE. THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
l was foreclosed without any notice from the trustee or lender. Since l was working with a real estate agent who was to work with bank on my loan. Instead he sold it to his investor friend under the table.The broker knew people at the bank in XXXX XXXX where Citi residential was before they closed down.. Closing of Citi residential, my loan was transferred to Citi mortgage since both are part of Citigroup. l have asked Citi mortgage to send me my loan docs. Customer service agents would be so confused when they would look up my account some agents managed to give me information who had called for the serviced released matters and acting as a agent for me .which was the broker agent .Every time l called information would change it seemed like the account was monitored .Citi mortgage still have not provided me the loan docs l got my payment history which indicates my loan was still with them the last transaction was dated XX/XX/2009 but foreclose was on XXXX/XXXX/2009, The loan was transferred to XXXX then XXXX now XXXX they also did not have my loan in their system. Months and years trying to get docs and facts l have also got CFPB involved to get answers to my answers am still waiting for results, its still in process with CFPB. l was denied by foreclose review according to rust consultants the denial was from the bank it did n't make any sense. They could n't tell me more. l meet all the forecloser qualifications. lam still waiting for help. l wanted to bring this issue up with your dept. to help me and my boys we have been displaced, fraud out of our home by greed. The buyer of the property took out a XXXX XXXX did the loan with improper documentation. Then here we are can not pay rent, cant even get justice no money

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Atlantic Credit & Finance, Inc.
State: MI

Complaint narrative:
The representative, XXXX, from Atlantic Credit and Finance Inc. has called repeatedly, include at my work place. The first time she called on my job, I asked her not to. She called again this week ( Tuesday, XX/XX/XXXX ) I asked her again not to call and hung up. On Wednesday, XX/XX/XXXX she called my cell phone under a number that came up " unknown. '' When I answered, she urged me not to hang up, and insinuated repeatedly that by not cooperating with her or hanging up would not do me any good. I sternly asked her not to call me again and hung up.

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 2016-10-03 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: WINN LAW GROUP, APC
State: CA

Complaint narrative:
My XXXX saving account was levied by win law group, XXXX receivable went to court on judgement and XXXX XXXX XXXX bought the debt from??? XXXX XXXX is original debtor. the debt is old, over 7 years old and it is not on my credit report. I was not notified at all, I have been at new address 4 years, they say they sent notice to my old address. I have been at same job for 17 years. I have had same phone # for many years. I am XXXX XXXX XXXX. They took all my life savings, XXXX dollars. Is there help for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: FIRST MORTGAGE COMPANY
State: MO

Complaint narrative:
My name is XXXX XXXX and I am filing a complaint on First Mortgage Company due to they are not trying to assist me with keeping my home and when I ask questions they will only say they are servicing company and been giving me the run around and please can some one reach out to me

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 2015-11-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I paid my vehicle off and received the pay off letter from Santander Consumer USA on XXXX/XXXX/2015. The letter states to allow 30 days for the credit reporting agencies to update their records. As of today 's date, XXXX XXXX, 2015, XXXX shows the account as a Repo with an out standing balance? The vehicle was taken XXXX XXXX and I picked it up the same day? The following month it was paid in full. Santander credit dispute department states they forwarded the information to all XXXX credit reporting agencies. XXXX is saying they never received it? The 30 days to update has passed. I would like for the status of that account to show " Paid in Full ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
The late fees on my Santander account are not accurate and they should be removed off my account and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I need to find out what to do about getting a company to issue a Release of Lien from XXXX of 2012. I contacted them on several occasions and they told me several times that the Title had been mailed I must have lost it. So I recently sent off to the Texas Department of Motor vehicles for a Lost Title and was told that the finance company Santander still has a lien on the vehicle. My online account for the vehicle has been inactivated so I ca n't even pull up the proof that it is paid ... PLEASE HELP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
I obtained an auto loan with Santander Consumer USA. I consistently receive my bill late so that the only way I can pay it on time is to do so online, where I will be charged a convenience fee of {$10.00}. They state that if I send in a check, it will take 5-7 business days ( which can be 10-11 real days ) to process my payment. My due date is XX/XX/XXXX, and I 've not received by bills until XX/XX/XXXX or XX/XX/XXXX. I feel like this is a deliberate attempt to force me to use a payment option that requires additional fees or to add late payment charges to my account. The first month, I had no choice but to pay the {$10.00} and the second month, even though I mailed my payment on XX/XX/XXXX, I 've received emails warning me that my payment has not arrived and I will incur late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Jana Ferrell & Associates LLC
State: OK

Complaint narrative:
A medical bill went to XXXX party bill collectors. I 've made payment arrangements to take care of the bill, making $ XXXX payments until debt is paid. I began payments XXXX XXXX. I have not missed a payment since XXXX. But I get phone calls from the XXXX party bill collectors several times a week to " remind me to pay ''. I 've asked them to stop calling, but they never stop. Every phone call they are very rude, and when I 'm rude back, they say I 'm being uncooperative. They 've received my payments every month without fail, but will not stop the harrassing calls.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
Santander Consumer USA is reporting my car loan as charged off from XX/XX/XXXX-XX/XX/XXXX on all XXXX of my credit reports. I have disputed the account as reporting inaccurately with all XXXX credit bureaus and they claim that the account is reporting accurately. I have also sent Santander a letter about the fair credit billing act but I have n't received a response from them either. Santander had my vehicle repossessed in XX/XX/XXXX for 1 day because I paid what they claimed I owed them and the car was returned back to my possession. Since then I have made every payment on time and Santander has not corrected the inaccurate information on my credit report. How could the account be charged off when I have the vehicle and I am still making payments on the car. I also a proof from my online Santander account to show that I am current and still making payments on the car. A charge off only occurs one time and should not be reported to the credit bureaus every month for 2 years as charged off.

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

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: On-Site Manager, Inc.
State: CA

Complaint narrative:
shows a previous address that I NEVER received mail at, never was a resident.. Do n't even know anyone who has.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I have sent two dispute letters to Santander re an account marked " charged off ''. Both times they failed to mark my account " disputed '' within the 30 day time period allowed by the Fair Credit Reporting Act Section 623 ( a ) ( 3 ). I have USPS certified proof of the date they received my dispute letters as well as dated copies of my credit reports showing nothing about a dispute in the remarks section. They have broken the law and this is my last attempt to avoid small claims court. This is a company with hundreds of complaints against them. They are rude, disorganized and are constantly lying to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: LDF Holdings, LLC
State: MN

Complaint narrative:
I received XXXX dollars into my account to a payday loan from XXXX that I did n't apply for and did n't approve. I went out of town on the XX/XX/XXXX, returned on the XXXX and was going through my account. I had a XXXX dollar deposit into my account on the XX/XX/XXXX. I had contacted XXXX on the XX/XX/XXXX to check. They said it was filed. I reached back out on the XX/XX/XXXX with no resolution. Turns out XXXX never had filed the complaint. I called XXXX and they said that they had gotten confirmation from my current employer, XXXX XXXX, which is not my current employer. They suggest I reach out to XXXX again to file an XXXX to decline the XXXX deposit. I have filed paper work to get things reversed.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: AZ

Complaint narrative:
I purchased a car with a loan from Santander USA. Due to my being XXXX and limited toa fixed income, I got behind on my payments. Santander made an agreement with me to allow me to pay a certain amount and have time to catch up the payments. After I had paid the agreed upon amount, the vehicle was repossessed within a week. This was after paying them for almost 3 years and having a little more than a year to go on the loan. They sold the repossessed car, by their choice, then reported a debt on my credit report of more than {$1500.00}. 

The negative report they have given me has blocked my credit for the past 3 years. I 've asked them to remove this debt from my credit report since they repossessed the car AND sold it. - They 've left me with nothing after all the money I payed them and they are ruining my credit with this unfair debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
I have an issue with which I would like to request some assistance. Approximately 10 years ago at the request of my parents, I co-signed for a van with my dad. Both of my parents had bad credit at the time and they asked me to co-sign with them so they could get the van. We did n't have a vehicle at the time as our old one had many mechanical issues. My dad worked and we needed one to get around. I was XXXX when I made this choice. I just did it and figured that it would be the last time that it would ever come up again. Approximately 4 years ago, the car was repossessed. This did n't mean anything to me because I was n't the one handling the van, any of the payments, or anything else that concerned it. We used a loan company called Santander Consumer USA. My father passed away a little over a year ago. His name is the only one besides mine on the contract for the van. I received a phone call from a debt collection agency concerning the van and some money that was due on it. I was told that I was now the one responsible for the remaining balance due, which is almost {$3000.00}. I ca n't afford this. I find it a little strange that there is a lawsuit against me after my dad died. There was plenty of time to reach out to my dad to resolve this while he was still alive. I am due in court in XXXX. At this time, I will have a judgement placed against me for the amount mentioned above. This will mean that I will end up having my wages garnished. My finances are already really tight and this would make things extremely hard for me. I have court papers and all documentation if that is needed for anyone to be able to assist me. I would really appreciate some guidance or help as far as what can possibly be done to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: Flagstar Bank, National Association
State: FL

Complaint narrative:
This is a complaint involving the Amtrust Bank, XXXX XXXX XXXX, XXXX XXXX, Florida XXXX. My brother XXXX XXXX passed away in XXXX XX/XX/2016. He left a small bank account without a beneficiary. The account was left in Queens Counry Bank which is affiliated with the Amtrust Bank. I am his sister XXXX XXXX, his closest relative. When I spoke to XXXX XXXX in the bank regarding withdrawing XXXX remaining savings account I was told that I did not have the proper documentation. I presented XXXX death certificate and my ID. XXXX was XXXX before the age of XXXX and was receiving benefits under my fathers Social Security number. My fathers SS number appears on my brothers death certificate because he is considered a child under federal law. I went to the social security office and got a signed document stated XXXX own SS number and presented it to the bank. This number was the number that XXXX used to open the account but it is not the number that the Federal Government has as his official identification number which is why his death certificate uses his fathers number as XXXX 's ID. I presented my fathers SS card and death certificate which shows the link between my father and brother but the banks legal department still will not allow me to withdraw the account. Even with the SS official letter and all the above ID the bank still insists that I change XXXX SS number on his death certificate to his personal number. When XXXX took out his SS number at the age of XXXX he used his nickname of XXXX XXXX which his not his legal name therefore his SS number is not even legal. When I went to the SS office they could not pull up his number and had to manually type it in to the letter. When they have put my brothers information into the computer my fathers number comes up under his name. Being the Federal Government recognizes this number as my brothers because he is a XXXX under my fathers number and because the bank has allowed XXXX benefits to be deposited into his account every month for many years using my fathers SS number, I believe they should release his bank account. I hope you will help me to resolve this issue. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I have been following the Navient lawsuit and I am in 100 % agreement that Navient knowingly steered my girlfriend into programs that where not beneficial to paying her student loan debt. Navient took advantage of her lack of knowledge and has added an absorbent amount of interest to the debt an the debt remains unsatisfied after 12 years of payments. They promised loan releases to co signers which I am, and continue to play games and will not release information to consigner a only thru primary borrowers. I 'm stuck attached to a debt I have no control over and my girlfriend has been ruthlessly taken advantage of. We want to repay the original amount borrowed and want money applied to high interest programs they steered us to applied to the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am trying to refinance my property in California. I have been approved to subordinate my Citibank line of credit. Citibank prepared the Subordination Agreement and requires me and my wife to sign it. My wife is deceased. Citibank refuses to change my wife 's status to deceased. Citibank is making it impossible to refinance by this request, causing me great financial hardship. I sent Citibank her Death Certificate. They still refuse to change her status

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