vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I have a care loan through Santander from 2013. I applied and was granted XXXX extensions on the account. However, they did not honor the extensions and reported that I was late. Since, I have appeared to be at least 60 days late! I have done a dispute via credit bureaus. I sent in the copies of the extensions and Santander " fixed '' a couple of months. Only to report badly and inaccurately again. After speaking to someone, countless times, I finally got a representative who told me that they only offer a certain amount of extensions. I informed this person that I DID NOT have that many extensions and her response was, " well, we count two at a time. '' I have tried to trade in the care hoping that leaving the company would help but since they are reporting that I am late, NO company will finance me. The end result of this was some concierge service selling my information to people and they kept doing hard inquiries for the care which damaged my credit score as well. I am financially responsible, as my credit cards and personal loans show my payment history is current. I need help and I have no idea what else to do. I have hired a law firm to help with this manner and they helped during the " dispute '' process that I mentioned earlier but the ill reporting started again. I am afraid to even make a payments as she told me once I make a payment, it will still show that I owe 2 months. The reps ' idea to remedying the problem was to make 1.5 payments each time. This ca n't be accurate. Each rep tells me something different. My car has been " assigned '' to repossession several times. These " people '' lurk and knock on my door threating to take my car at all times of the night. My car was even taken from a parking lot when the car was up to date. I hate to pat $ 100+ to get my car from an AUCTION. The second problem is that the amount on the car has not changed/does not indicate payments since I purchased the care 3 years ago!! It still shows {$13000.00} since day 1 of the loan. Please help me! I do n't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SUN LOAN COMPANY INC.
State: MO

Complaint narrative:
I previously had an installment loan with Sun Loan Company. I renewed my loan on XX/XX/XXXX, which made my payments now due on XX/XX/XXXX. I had never been a delinquent customer and have always been in good standings with my pervious loans with this same company, never once asked for a reminder call or need one for when it came to making my payments. But for some reason once I renewed this loan shortly just a week after renewing I received I reminder card in the mail, then another week and few days after that I received a call on XX/XX/XXXX " reminding '' me my payment was due on XXXX. At this point I was confused on why I was receiving these reminders when I did n't ask or give permission for them. When I called on XX/XX/XXXX I asked for the manager, who was out for lunch. The young girl asked if she could help me, I told her who I was and I was calling to make a payment but first I wanted to know why I was getting these reminder calls when I did n't consent to them, and a company like that would n't they rather work on collection their bad debt rather than calling someone who has always been in good standings with the company. The employee then told me they ca n't field work their bad debt anymore and they its not illegal to give me reminder calls, I was trying to express to her how its not illegal but if I did n't give you the consent to do so and if I 'm asking you not there then the calls should n't be taking place. The call then escalated and the employee kept talking over me, so I disconnected the phone. Deciding to go another route with my complaint. I never did get to actually make my payment via debit card over the phone and ended up just mailing my check in and with my future payments will be handling all payments via check mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: SUN LOAN COMPANY INC.
State: TX

Complaint narrative:
I got a loan back in XXXX of 2016 and I was making payments but had a change in my finances and told them I cant make the required payment and they continue to call my job everyday when my manager told them they could not contact me here causing me to get in trouble.

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 2015-07-23 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: Synovus Bank
State: TX

Complaint narrative:
I rented a car from XXXX XXXX. They placed a hold for {$210.00} from me. They claim that the old was lifted properly. The credit card company will not lift the hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
we leased a Fiat 500E for over 20 months on a XXXX lease, and decided to terminate the lease early. We than were told be Chrysler Capital that our final bill was more than XXXX, which is more than half the price of a new car. 

here 's detail : Prior to the termination of a 36-month lease at the XXXX month, a customer service person of Chrysler Capital informed me through telephone consultation on XX/XX/XXXX that, for the early termination they would charge me approximately USD XXXX as an early termination fee in addition of the normal end of lease termination fee. It was based on this information that I decided to terminate the lease and consequently returned the car to XXXX on XXXX XXXX. 

On XXXX XXXX, I received a written notice from Chrysler Capital that the total amount for the early termination was {$27000.00}, subject to a final bill ( XXXX ). Out of shock, I called their customer services hotline immediately. To my aghast, their representative denied the early conversation that I mentioned above. 

In any event, the amount of {$27000.00} as the charges for the early termination is preposterously outrageous. It is almost as much as the price of a new car of the same specification. 

The next day, I called your company again, requesting a copy of all documents in support of your claim. Only after about 2 weeks did I receive a scan copy of a contract that was completely illegible : XXXX pages that were originally printed on XXXX paper were now squeezed into only XXXX page. 

Despite of my repeated requests of a copy of the normal or legible size of the contract and your customer service representatives ' consent to do so. After almost 2 month, I finally got the final bill and scan of the contract. 



I also attached a pdf of our lease payment statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Real Property Title Group LLC
State: FL

Complaint narrative:
I started to buy a house and was given a contract that did not list the accurate address of the contract. My mortgage broker requested that the contract be fixed on XXXX/XXXX/15. I had requested several times before and after the XXXX via email and through my realtor and mortgage broker to the attorney representing the seller for my escrow check to be returned. I also lost my job and have sent them a termination letter and a mortgage denial letter for all of these reasons and they now say that I have delayed the process. They do not respond now. The contract was not legal and the seller refuses to terminate the incorrect contract.

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

Complaint narrative:
I contacted the CFPB about a year ago regarding the following case. I thought it was resolved but with recently moving from XXXX to XXXX I received a new monthly lease payment reflecting sales/use tax. I have received my new monthly statement for my XXXX XXXX lease payment. It reflects an increase of {$44.00}. Calling XXXX they explain to me that because I moved to XXXX from XXXX my tax rate changed from 6 % in XXXX to 9 % in XXXX My question to XXXX was how can I continue to pay a sales tax on a lease transacion made back XX/XX/XXXX. After going around and around with the rep on the phone I finally said, the truth to all this is that when I purchased ( leased ) the vehicle from XXXX Chrysler/XXXX in XXXX XXXX they did not properly disclose to me exactly what my monthly payment consisted of. In the negotiation I was led to believe that agreeing on a monthly payment of {$490.00} was all inclusive and that it was based on an agreed purchase price for the vehicle. Evidently what actually happened was that XXXX Chrysler/XXXX in XXXX XXXX simply deferred the sales/use tax but did not make me aware of this. As a result I am once again getting an increase in my monthly payment for this supposed sales/use tax that I was not told about when the original leasing took place.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
The car was given back and it was a recall on the car and i should n't have to pay {$3000.00} for a car i do n't have or be responsible for the car. The company has the car back, i tried to make an agreement to see what was my options with this car and there was none at all .try to get help or can we get a hold on it, the refused.The engine beauty cover detach from the engine and come in contact with the catalytic converter.Also there was an hidden fee from the car dealer i was told my car note was suppose to be lower.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
Santander Consumer USA reported a repossession on my credit report which has cause my nothing but tramua. I was not able to get financial for my son college education, loans for my XXXX degree and etc. The vehicle is in my position after making nessary arrangement Santander. I called Santander to discuss this situtation and was told, " it is legal for them to report repossession on your credit report even if you receive the vehicle back '' .. The definition of repossession is the term used to denote a financial institution taking back an object that was either used as collateral or rental or leased ... OR ... If you do not make payments you owe on a loan secured by property, the lender may foreclose on the loan or repossess the property. Your lender has a security interest in your car and if you fail to pay, the lender can sue you or repossess your car ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-30 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, National Association
State: DC

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing this complain to inform you about a situation with my mortgage payment, which I am unable to solve. I have purchased a townhouse in XXXX for the amount of {$450000.00} as a first time buyer. Since I did n't have any down-payment, I was offered XXXX loans, an 80 % fixed 30 year loan for {$360000.00} with XXXX, and a 20 % home equity line of credit adjustable rate for {$93000.00} with New York Community Bank. 
I lived in the townhouse for 2 years, but had to move out to a different location due to job change and distant to work. Since the price of the home went down significantly during the housing crisis, I was not able to sell the home, and had to rent it out. The rent amount has constantly been lower then the mortgage ( {$1500.00} a month lower until XXXX, and after refinancing the first mortgage, {$750.00} a month lower since then ). So I have constantly been losing money every month, but have continued paying my XXXX mortgages on time every month since the first day of purchase. I believe it has been and will be my responsibility to pay the amount regardless of the market situation. 
On XXXX XXXX, XXXX I received a letter from New York Community Bank ( XXXX ), my 20 % mortgage lender, stating that as of XXXX XXXX, XXXX, the bank has decided not to extend my mortgage, since the agreement was drafted in a way that the bank could decide if the want to extend the mortgage or not every year up to 14 years. They expect me to pay them the whole amount of {$93000.00} at or before that date! The only other options that I have are to sell the home or refinance. Unfortunately the price of my home is around {$420000.00} and I do n't have the {$35000.00} cash to pay for the difference and closing fees. I have tried both through XXXX and NYCB to refinance, but I have been told since the home does n't have equity they ca n't help me refinance. I have paid my bills every month in the past 9 years, and do n't deserve to be in this situation. I do n't have the money and do n't know what else to do. I sincerely hope you can help me resolve this issue. 
Warmest regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
In XXXX 2016, I was induced to open a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX XXXX XXXX AAdvantage miles in exchange for opening a CitiGold account and scheduling two bill payments from the newly opened account for at least 2 consecutive months, and making at least {$1000.00} in total debit card purchases. 

After enrolling with the promotion code, I contacted Citi to confirm that they had my XXXX XXXX AAdvantage number ( XXXX ) and I also received confirmation that the XXXX bonus XXXX XXXX AAdvantage miles offer was successfully attached to my account. 

During XXXX of 2016, I confirmed with Citi that I had successfully fulfilled all of the terms of the offer and I was told by Citi to expect my bonus miles on or before XXXX XXXX, 2016. 

On XXXX XXXX, 2016, I did not receive my bonus points as promised. 

Citi is now stating that they require the original bonus insert, which would have been sent out 6-8 months ago. It was explained to me that the original insert is required to prove I qualified for this offer, despite numerous interactions with representatives who assured me I have qualified and met all requirements to receive my bonus. I disposed of this mailer after opening my account, since Citi customer service confirmed to me that I was enrolled in the offer Even though I have been assured by Citi that I met all requirements to receive my bonus, the bank is now refusing to honor their end of the agreement. 

Citi must credit my account immediately or additional steps will be taken to collect my promised bonus. I am extraordinarily unhappy and suspect that Citi routinely and systematically defrauds their customers.

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 2016-05-27 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
On XXXX/XXXX/2015 I was induced in opening a Citigold checking account with an offer stating I would receive XXXX XXXX XXXX Miles after meeting certain criteria. I then met those criteria, confirmed with a Citi representative that I had met the criteria, and was told to expect the XXXX XXXX Miles to be deposited into my account by the XXXX XXXX. During this time I was charged XXXX monthly service fees of {$30.00} each. Now, after confirming this promotion was applied to my account, confirming that I had met the requirements, and confirming that the points would be deposited in XX/XX/XXXX, Citi has pulled a bait and switch. They have suddenly decided I do n't qualify unless I can find a postcard from 5 months ago showing the offer. I do n't keep mail around for 5 months, and NOTHING was ever said over the past 5 months about needing to keep that post card. Now I have {$60.00} of fees and I will not be getting the XXXX XXXX Miles. I 'm not alone. Hundreds of people are in the same situation as me. I 've done google searches and found forums full of people having this problem. It 's not right. I 've been lied to, and my money has been taken. Apparently I have to uphold my end of the terms and conditions by paying a monthly service fee, but Citi does n't have to uphold theirs. Something needs to be done. I hope enough pressure can be put on Citibank to make them honor the promotion they already told me I qualified for.

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 2015-04-10 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have paid all of the principal of my Home Depot Credit Card within six months, as required. However, Home Depot is trying to bill me for late fees and interest. When a clerk induced me to get the card, the clerk did n't tell me about the minimum payment per month and the late fees and interest that would be assessed. Not do these hidden fees appear in the credit card agreement. I have already sent a letter to Home depot 's Credit Card Services, which I 've attached, with supporting documentation, detailing what happened. I 'm simply requesting that Home Depot cancel my bill for hidden fees. The practice is unethical and illegal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-15 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I defaulted on my Citibank credit card 3 years ago. I have contacted Citibank multiple times to pay off the account but they can not find my information anywhere but are still reporting it to the credit bureaus. It came to the point where someone from Citibank told me to dispute the account with the credit bureaus and see if that would trigger a response to verify the account. The account was removed from my transunion report but was verified on the other XXXX reports. I then called Citibank again and was transferred multiple times and still nobody could verify me or my account and as far as they were concerned I was nowhere in their system. I was also told by Citibank send a fax explaining everything and attach a copy of my credit report for their dispute department. They have not responded. I am not trying to get out of the debt and want to pay them but since I do n't exist to them for whatever reason I ca n't. I am trying to apply for a home loan and this mark is holding up the process. Thank you.

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 2016-02-26 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My Macy 's credit card number was used to make purchases at Macy 's stores in XXXX XXXX while I was in New York. I still have possession of the card, so I assume it was some form of spoofing. I noticed the charges within a few days and notified Macy 's they were not mine. I have filled out a fraud affidavit and returned it. 

I now get several phone calls a day beginning at XXXX XXXX. In general I do n't answer, but when I tried to pick up I discovered the caller hangs up after two rings. I called back the number from the Caller I.D . log and determined it was Macy 's bank. I called Macy 's bank and asked them to stop, but the calls continue. 

There have also been negative reports to various credit bureaus. 

This is Macys bank rather than Macy 's itself. The fraudulent charges have been removed from the record of my actual Macy 's account.

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 2016-11-01 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
i need to file complaint against macys credit held by citibank. they are charging me for promtional accounts that i do not have items for. i have call multiple times to have my account review and adjusted properly. all i been told is to speak with mangers, or someone will call me back, also i have been told that my account will be fix within 72 hours. and all this has been since XX/XX/XXXX. and nothing has been review. my monthly is due XX/XX/XXXX for the amount {$210.00}, last supervisor i spoke with said i have to paid it while my account being review. i told her no! i will not pay til everything is fix. also its frustrating when the calls are being route in another country and they dont understand 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 monetary relief
Consumer complaint received 2015-11-06 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
I received a call from XXXX on Monday XXXX/XXXX/15 at XXXX, it 's a recorded message telling you this is in regards to a sensitive matter, please press XXXX. 
I pressed XXXX and got someone on the phone when I advised them that I was pressing the number XXXX he put me on hold and came back and advised they must have missed dialed and hung up. 
Then : I received a call from XXXX XXXX of XXXX on Friday XXXX/XXXX/15 at XXXX. 
He proceeded to tell me that he was representing his customer and that he has legal rights to advise me that I owe a debt to Sears for {$850.00}. He claims I opened this account in 2005. 
I did not open this account and told him so but he kept on talking, so I asked him to send me any documents via mail and he refused.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I had a judgment against me on a {$5000.00} balance from an old Citi credit card from my early XXXX and I 've been paying on it for almost 7 years now, around XXXX every year has been taken from my check and I have more than paid this debt back and I feel I 'm getting taken advantage of by their debt collection service, XXXX Law Firm.

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