vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: CT

Complaint narrative:
Pulled credit report without permission

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Synovus Bank
State: FL

Complaint narrative:
Synovis mortgage company continues to harass me each month for payment on XXXX mortgage even though each month a payment has been made for 10 consecutive months. As I mention over and over to to XXXX XXXX at Synovus. The home is for sale and we can only make one payment a month

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23 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:
I had an auto loan with Santander. I was unable to continue the XXXX a monthfor the car, after three years, I voluntarily surrendered the vehicle in 2012. 
Santander has now placed a negative report on my credit saying I owe XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Santander Consumer USA Holdings Inc.
State: NV

Complaint narrative:
Please let me know what company this is. I have no idea what company this is.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I obtained a Loan from Santander Consumer 4yrs ago for a car. Now they are telling me that I still owe {$17000.00} for this vechicle and the car is only worth {$2400.00}. I can not afford to continue to pay on a car that is 3 times it 's worth. They are a BIG rip-off. They prey on people who ca n't get a traditional loan and have HIGH Interest rates that will make a person have to pay for a car for the rest of their life. This is not right and they should be investigated for this. I am a retired person who live on a strict income and I can not afford to continue to pay {$550.00} for a XXXX old car.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-03 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I have paid my boat loan in full and Santander Consumer and It 's been several months and I have not received the title for my boat, motor, and trailer. I called Santander and they claim that they mailed it, but that is a lie. I have been checking my mailbox daily and I have not received anything. They are asking that I get a lien release or duplicate title at my own expense by going to " XXXX '' which is not even affiliated with them. I tried obtaining the lien release at that website and could not get it done. There is no phone number listed on that webpage so I can speak with someone either.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: CO

Complaint narrative:
on XXXX/XXXX/2016 requested information about my bill ... .... ( dispute # XXXX ) on my bill it says amt. due {$770.00} so if my payment is {$420.00} and i have {$180.00} in late fees ... WHAT is the {$160.00} for and what am i paying on that late fees? interest? I want an answer a direct to my question not just some standard answer Are you connected to XXXX XXXX in XXXX that failed the US Federal Reserve Test? 
How many loans companies do you own Are you the Company that has lost XXXX class action suits ... XXXX for repossessing vehicles owned by the XXXX military? and XXXX for misrepresentation of value of securities? 
You have not sent me a hard copy of my contract in LARGE print like I requested I am requesting a month by month account of exactly how many days are in each billing cycle since the first month of my loan ... no i do n't want the standard answer you keep giving me i know the number of days vary I want to know the number of days each billing cycle on MY account starting from the beginning of my loan i want this sent to me in a hard copy

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX, I purchased a Samsung Smart TV from Best Buy, with a Best Buy credit card, for {$2100.00}, 24 mos interest free financing. Regular monthly payments were automatically deducted from my XXXX checking account. I had paid {$1200.00} when I first became aware, in the XXXX, that Citibank was charging me interest from XX/XX/XXXX, retroactive to the date of purchase, XX/XX/XXXX!! I was not receiving paper statements from BestBuy or Citibank and was n't opening any email communications because payments were being made automatically. 
My phone & mail attempts to settle w/Best Buy were to no avail. On XX/XX/XXXX, I nevertheless paid by phone an additional {$1200.00}, so I have now paid {$2400.00} ; but according to Best Buy I still owe {$1800.00}. 
In XX/XX/XXXX, I filed a complaint with the XXXX Dept of Consumer Affairs ( Case No XXXX ). Not until XX/XX/XXXX was I notified that Consumer Affairs does n't handle complaints against financial institutions ( i.e., Citibank )!! 
I believe BestBuy 's policy is unfair & usurious, designed to take advantage of unwitting customers. I recall reading in the XXXX that other complaints and perhaps a class action suit has been brought against electronic companies for these kinds of practices. A copy of the Best Buy receipt is attached. XXXX Consumer Affairs recommended that Id submit complaints to the FTC ( which I did, but it turns out FTC does not handle individual complaints! ) Thank you for your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: MA

Complaint narrative:
i financed a vehicle in XX/XX/XXXX it was totaled in a car accident the finance company put it as a collection charge off closed Derogatory XX/XX/XXXX the dealers insurance where i bought the vehicle was supposed to pay the gap payment that was left after my insurance company paid off the car and as it being put on my report as derogatory its the same as if it was repossesed and it wasnt it was paid now its ruining my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX has been charging my account with a " Debt Protection '' fee I never even signedfor. I have been a card holder since XX/XX/XXXX, and was shocked that XXXX would allow these unauthorized charges on my account. Today, i called the XXXX provided on my statement, and neither XXXX of the XXXX representatives i spoke to could give me a confirmation, proof, anything, of how i was being charged for this " optional service fee ''. I asked for cancellation right away, and they could not even give me a confirmation # for that. A girl named XXXX, who was the XXXX XXXX i spoke to, mentioned it was an optional service and that i was somehow signed up since XX/XX/XXXX!!! She tried to explain the " benefit '' of the service, but i was clueless as i have never, nor will ever, even consider such an option to begin with. She stated she would transfer me to another line to cancel, which i was redirected to a guy named XXXX, XXXX. He could not give me any direct answers on how this service was authorized, and mentioned he would cancel it today ( XX/XX/XXXX ), and that i would be " REFUNDED '' any charges dating back to XX/XX/XXXX. He mentioned within 30 days, i would receive a letter, or that the refund should show up on my XXXX account, if not, to call back and speak to a rep again. I purchased a washer and dryer last year On XXXX XXXX, for my new home, and since then, for every month, they have been charging this fee. It started with a " debt protection '' fee of {$20.00}, and has gone up EVERY MONTH since now to {$59.00}!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-13 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
i have tried to dispute these debts but have not had any responses

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13 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 vehicle from XXXX XXXX XXXX in XXXX AL XX/XX/XXXX. I financed the vehicle with Chrysler Capital. I later joined the XXXX. XX/XX/XXXX and requested that the interest rate be reduced under XXXX XXXX App XXXX. They agreed to reduce the interest rate but no longer reported my payments on my credit report. In fact the purchase did not show up at all. When I tried to trade in the XXXX Jeep Wrangler I learned that I had no credit history. No one would accept my trade because there was no record of my having purchased the vehicle and made payments for over a year. Under section 518 of the SCRA a creditor may not take negative action based solely upon my use of my benefits under the SCRA. The act of not reporting my credit is almost if not as harmful as reporting negative credit as it means that I have no credit history. This is a penalty imposed on me by Chrysler Capital.

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: FL

Complaint narrative:
This complaint is against Chrysler Capital. I have been paying {$300.00} every 2 weeks for a {$590.00} amount due. They advised that I did not receive credit until the entire monthly amount was paid in full. Even though my payments are made somewhat in advance, their " system '' does not recognize this. I requested that do not call and they advised I would be put on the " do not call '' list. They have continued to call ( 4 times ) after being placed on this list. Each time they apologize and say they were in error. Capital XXXX has violated the do not call agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
Citi calls me a minimum of three times a day, every single day. This includes weekends. I have told them that I will pay on a certain date, but they still call. They will call as early as XXXX to XXXX. I work a different schedule than most and it affects my sleep. I now have my ringtone on silent. I do not answer my phone anymore. I 've told those close to me to send me a text message and I will call them right back because I am now having XXXX. Often when I have talked to them, I will tell them my situation and say I ca n't pay anything right now and am often negative in my checking account, legitimately. Then will say they understand, but ask if I can make a certain payment amount that is still high. I then have to repeat, I can barely feed myself and am borrowing money from other people.

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 2015-10-20 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
To Macy 's : I called the XXXX # and was told by a machine to call back tomorrow. I went ontoThe website and it crashed and posted a message to call the administrator. Frustrated! I have paid the same {$50.00} payment for a year fromXXXX bill pay. This month for purposes I can only assume is based on wanted to collect fees - my payment was applied to the XXXX Macy 's Amex account that has not had a balance in months. And I 'm charged a {$29.00} late fee! My payment due was {$29.00} - I paid {$50.00}. My due date was XXXX it was created on XXXX. I knew this was going to happen with all of the changes that Macy 's made. See my email in XX/XX/XXXX - I was watching my account closely so I did n't get hit with a late fee. I never guessed the payment would be applied to the other account. I want this corrected - my payments are never overdue and I do not want my credit harmed!! XXXX XXXX XXXX XXXX XXXX , XXXX oh XXXX. I am going to see by searching online how many others are living this nightmare!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-12 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
The disputed {$840.00} ( Dispute ID : XXXX ) AT & T*Bill Payment charge that was billed to your above-referenced account on XX/XX/2016. The dispute was initiated on XX/XX/2016 with a conditional credit issued to my account. CITI returned the charge to the merchant 's bank ( AT & T ) on XX/XX/2016 in an attempt to obtain a permanent credit on my behalf. The dispute was subsequently cancelled at my request on XX/XX/2016 and the conditional credit {$840.00} was reversed. CITI is telling these funds made available for the merchant/merchant 's bank. I checked with XXXX AT & T and they do not see it in their bank. They asked me to pay this amount and I paid with same credit card on XX/XX/2016. The reversal {$840.00} is mystery now. AT & T is telling that they do not see it in their bank. They do n't bother about this fund anymore since I paid them all due amounts. CITI is not helping me to find out this {$840.00} where it went. This amount is not going away from CITI account since the merchant never received this amount. I have a feeling that CITI stolen this {$840.00} and they are charging me for this and not paying to XXXX.

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 2016-10-26 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XXXX/XXXX/16 a XXXX XXXX refund check was credited to my Citicard account in the amount of approx {$7400.00}. This was because our planned cruise had to be canceled I request that a check for the refund be mailed to me on or about XXXX/XXXX/16 I was told that the check would be sent within 5-7 days It is now XXXX/XXXX/16 and I have not yet received my check. My account balance shows a - {$7000.00} balance so I know check has not been issued

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 2015-10-03 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
My At & T universal Credit Card/ CITI was charged with fraudulent purchases during XXXX 2015. XXXX calls were made, XXXX certified letter were sent to remedy the problem : I asked them to drop the charges, to close my account, and NOT to send A NEW CREDIT CARD. NONE OF MY REQUEST WERE ANSWERED AND A NEW CREDIT CARD WAS SENT TO MY ADDRESS which I have not received and was activated not from my phone. This credit card company may have a security breach : I had to place a credit freeze plus change all my credit cards and bank account numbers and I still have not received a letter from the AT & T credit card company stating that all my accounts at the credit card company are closed. After multiple calls and letters in the last 6 weeks no resolution has been reached and my account is still open : I want NO credit Card from them and No account with them. Please help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-01 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Citi told me they would delete my account off of my credit profile if I made a payment to take care of my debt. I made the payment, and they did not delete the information. They performed a " bait and switch '' to get their money. Even though I took care of this debt they are also still reporting derogatory information on my credit profile.

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 2016-03-08 00:00:00
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: SFS, Inc
State: NY

Complaint narrative:
one click cash payday loans charged my account 5 times different amounts causing it to go over drawn by XXXX the new York state attorney general office want after this company and I do not own on this loan but I owe XXXX to XXXX for the a tamps to taking out money for payment I want this company to pay XXXX the XXXX fee

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIDELITY CAPITAL HOLDINGS, INC
State: AL

Complaint narrative:
I signed a lease with XXXX XXXX Apartments XXXX XXXX XXXX, XXXX and following that we were harassed by neighbors and maintenance crews due to my XXXX orientation. I was forced to break the lease and leave the apartment complex due to my fear of continued residency at this location. I moved from the complex on XXXX XXXX, XXXX and that was approximatley 2 months prior to the end term of lease. In doing so, I left the complex and submitted a note explaining this detail along with keys to management office. In turn, I was presented with a lawsuit from XXXX XXXX XXXX in XXXX, Florida in the amount of {$2700.00}. Moving forward, I sent correspondence to this attorney, again, detailing my reasoning for quick move. The attorney replied and stating that this was not sufficent evidence to break lease and actually they never INVESTIGATED THE INCIDENT! Again, moving forward, the creditor filed a claim with credit bureau in the amount of {$2700.00}. It showed up on my credit report as a debt to original creditor in the amount of {$2700.00}. Later the original creditor employed FIDELITY XXXX in XXXX, California XXXX XXXX. XXXX XXXX XXXX, California XXXX / Telephone ( XXXX ) XXXX / Fax ( XXXX ) XXXX / XXXX XXXX XXXX - Legal Department EXT XXXX. 

My account was XXXX XXXX APARTMENTS / Account # XXXX XXXX XXXX, XXXX - The collection agency requested {$3500.00} to settle the debt of {$2700.00}. These funds had to be in their office same day XXXX/XXXX/XXXX to fullfill the case. On XXXX/XXXX/XXXX They demanded {$4200.00} to settle the exact same date PLUS interest of XXXX cents per day. The original creditor DID NOT RETAIN A JUDGMENT against me for the {$2700.00}, therefore interest would not be due without them obtaining a judgement. My lease did not provide for any interest accruing on the past due debt. They did not credit me with my security deposit in the amount of {$1200.00} and did not advise me if the unit was rented which would have resulted in additional credit to me. I have applied for A XXXX HOME LOAN. This fraud on behalf of the collection agency has prevented me from being able to purchase my home. Also, this debt was filed as A DISPUTE and CLEARLY shows on my credit report as being a legal disputed and recognized by the FCRA reporting act. In addition, the creditor has NEVER VERIFIED the debt in writing, although requested by me on numerous occasions. 

I need HELP FROM YOUR AGENCY ASAP AND I THANK YOU IN ADVANCE FOR YOUR TIME, REVIEW AND ASSISTANCE ON THIS MATTER. 

Should you have any questions or need additional information, please contact me at the following : XXXX XXXX XXXX XXXX XXXX ) XXXXXXXXXXXX ( T XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-06 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I signed up for a CITI/XXXX Card while on a trip to XXXX XXXX in XXXX. The reason was you would get XXXX XXXX miles if you spent $ XXXX in the first XXXX mos. I did that and more, actually charged over $ XXXX and paid it off on time. I noticed the other day I never got the XXXX miles. When I called them they said I had cancelled a CITI card last year and if I had read the fine print I would have know I was not eligible. Somewhere when I applied for the card WITH the XXXX miles I should have been informed I was not eligible. On top of that I do not remember or have any record that I ever had CITI card before. I have been a primarily an XXXX customer for over 30 years. We also have a XXXX XXXX ( our bank ) XXXX card and a XXXX XXXX we use for overseas travel. I think they told me when I cancelled it but they could not say how much and when I charged anything on it. I talked to XXXX levels of management and all I got was you should have read the terms and conditions and we are sorry. I cancelled the card immediately. My beef is that I keep a file on credit cards and I have no record that I ever had a CITI card. I do n't expect to get the miles but they should have their hands slapped at a minimum.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: CITIBANK, N.A.
State: ME

Complaint narrative:
Citi bank hold about {$28000.00} of my private loan debt. I have paid them online every month and have not defaulted ever. 

on friday XX/XX/XXXX I got a letter in the mail that was a XXXX tax forum claiming that about {$16000.00} of my debt was cancelled in XX/XX/XXXX. when I called I was told they sent one for my XXXX loan as well. So right now the government things I have has about {$28000.00} of debt cancelled and expects me to file it as part of my income, BUT it has n't been discharged and I have been paying it the entire time. 

When I tried to talk to them about it they would only tell me that the documents were an error. they gave me no information about how they were going to fix it, what will happen with my taxes or WHY this happened in the first place.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief