vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
I have no knowledge of this debt. My account with XXXX credit bureaus has a fraud alert unit. The credit bureaus must provide me with written authorization or delete asap. I request that each and every account or inquiries be removed and I request an updated credit report reflecting changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Loan Science, LLC
State: IL

Complaint narrative:
The prior owner of our phone number allegedly has a debt with a company that calls us constantly even though we have informed them that we do not know that person and that they have the wrong number. They call several times a day even though they have promised to remove our number. They will stop for a few months then it starts up again. We have had this phone number now for seven years.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Loan Science, LLC
State: NJ

Complaint narrative:
My XXXX student loan was in forbearance which has ended with my next payment due on XX/XX/2017 at {$820.00} I called to explain I can not afford this payment several times and was told I have to wait until after I miss payments to call Loan Science who handles the billing. I called Loan Science on XX/XX/2017 to question the payment amount and I was told that this includes late fees, I have not been late the loan was in forbearance but because this company does n't immediately put a loan into forbearance it accrues late fees. I find this absurd and question how this can be legal? The also informed me that they do not have any repayment plans available and I need to pay the {$820.00} on due date or I will be charged a late fee and next month my payment will be {$650.00} which is also an absurd amount to think someone can pay. I want to file a complaint against loan science for purposely and knowingly keeping me in debt by refusing to work with me based on what I can afford and also by tagging on late fees when a loan is under heir control for forbearance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Santander USA refused to accept my payments for the months of XXXX, XXXX, XXXX and XXXX then in XXXX they wrongfully repoed my car and i also asked them over the phone if i can give them XXXX $ they said it has to be XXXX $ or more which i found out they cant do that. then i got a letter saying they wont speak to me over the phone at all. i tried going online to see if i can make a payment and it says my username and password is wrong when it wasnt. this company is playing games

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, National Association
State: GA

Complaint narrative:
Had a water loss at our home XX/XX/2016. XXXX XXXX immediately mailed a check based on the estimate for repairs, {$18000.00} XX/XX/XXXX. Had to send check to NYCB to get an endorsement. Work was completed in early XXXX 2016. Sent final bill and other requested paperwork to NYCB. They released {$5000.00} of the funds and stated they needed an inspection to make sure the work was done satisfactorily. Inspection ordered XXXX XXXX. After weeks of not hearing from anyone regarding the inspection and numerous phone calls to NYCB, an inspection was finally performed XXXX XXXX, six weeks after the request. Meanwhile, the contractor needs to be paid and we need to pay for rugs and carpet that was ordered. No, NYCB continues to hold our money hostage now claiming that the inspection was incomplete and they need to schedule another one. I do not have another six weeks to have an inspection done. Granted, this is a {$350000.00} mortgage on a $ XXXX house so it is not like they are not going to ever recoup their money if something were to happen to the house. It is a scam NYCB is running by pooling insurance claim funds, earning interest on these funds while holding their mortgagee funds hostage claiming that they need more paperwork, inspections etc ... At my wits end. Please help and beware of NYCB.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I bought a XXXX Dodge Journey from XXXX XXXX XXXX in XXXX. The dealer charged me XXXX dollars for the car with 29.95 % interest which means XXXX dollars for 72 months in terms. The monthly payment was XXXX dollars .When I found out in the market the real value of this SUV was XXXX dollars, I called them to let them know the contract was overpriced.They told me the federal regulations allowed me to bring the car back after 48 hours.After two months I could n't afford to make a payment, they took the car and sent my name to the credit agencies.Few months after they called me and made an arrangement for a settlement. The settlement was XXXX dollars to pay off. I did pay that XXXX dollars but I still have negative items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I was financiacing a XXXX XXXX XXXX from Santader Bank. On XXXX XXXX, XXXX my car was repossessed from my back yard. Initially, the agent scared me because they banged on my door with badges out as if I 'd violated the law. I was afraid and did n't think they were police officers. I contacted XXXX. They came and by that time I realized that they were doing a repossession because the car was being dragged out of the alley way. I called Santanders Hotline to find out how far behind my payments were I was informed that I was 62 days late. The following day I contacted customer service. I was told that if a payment would 've been made on the XXXX there would n't have been s repossession. I asked why did n't I receive a letter or a phone call regarding ways I could avoid repossession. The customer service representative informed me that I requested to be placed on a do not call list. I HAVE NEVER MADE THAT TYPE OF REQUEST!!!!! I asked the bank to please provided proof in a copy of a letter or my recorded voice on a phone conversation. I regulated to have a supervisor contact me about the repossession. No response! On XXXX XXXX I contacted the bank again in hopes to speak to a supervisor about my issues. I also requested the exact amount needed to obtain my vehicle, that 's when I was informed that the vehicle had been sold at an auction on XXXX XXXX. They did not write me to tell me how many days I had to obtain the vehicle before an auction date. The customer representative then informed me that they called me on XXXX XXXX and XXXX. I informed them that the previous representative informed me that I requested to be placed on a Do Not Call list which contradicts her story about the company calling me to offer assistance or options to avoid repossession. I was then informed about where my personal belonging were but they were already thrown away. I still have not received notification of the sale and or the amount that the vehicle was sold for!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Green Square Company LLC.
State: NY

Complaint narrative:
Several debt collectors have repeatedly called me, my family, and friends in several states with calls at all hours. They are referencing payday loans from XXXX and XXXX. When I moved to XXXX for a new job, I did take out several payday loans for {$250.00} to {$500.00}, but those were settled between XXXX and XXXX. The collection calls started in approximately XXXX of XXXX. The have repeated called relatives, me, and disturbed a very ill friend in XXXX XXXX, XXXX at all hours which has been upsetting to all of us. 
The most frustrating fact is that none of the firms will share any information about the debt - when it originated, when I supposedly missed the payments, and what I owe now. 
XXXX firm asked for {$400.00} as a " restitution payment '' to settle XXXX debts and another asked for {$1500.00}. Again, no details are given. 
The loans were taken out online - and I 've never been contacted by email regarding a delinquency. 
The firms that have incessantly called me, my family, and friends across the US are : XXXX, Premier Recovery Group, XXXX XXXX XXXX, XXXX XXXX, and XXXX. 
The allegations are : " Theft by Deception '' and " Malicious efforts to defraud a financial institution. '' What 's ironic is that I work for a major XXXX and the staff here are advising me that this could be fraud, since no details are provided.

Company response to consumer: Closed
Consumer complaint received 2016-10-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
I did not authorize a credit inquiry from this lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: MI

Complaint narrative:
We had a principal balance of {$18000.00}. We paid nearly {$25000.00} over 4 years. Despite paying principal and interest, our 2008 XXXX XXXX vehicle was still reposessed. We are out of {$25000.00} and a vehicle. To make matters worse, Santander auctioned the vehicle for {$4000.00} and is now asking us for an additional {$11000.00}. Santander has been paid nearly $ XXXX on an $ XXXX loan, and still wants $ XXXX. This is predatory. If it is not criminal, it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I opened up a Macy 's credit card in XXXX XXXX. I did n't get a bill in XXXX XXXX and called the credit card to talk about the reason and the payment. Through arguments, they agreed to provide an adjustment. At that time i requested the credit card to be closed based on my bad experience. several month later in XXXX i receive a bill from Macy 's of interest on XXXX balance and late fees for the interest that are unexplainable and my credit card was never closed back in XXXX per my requests.

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 2017-03-17 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
problem with citi bank I returned what I purchased I also dispute online shopping which was from XXXX so technichly all that will give me a XXXX balance but Citibank wants me to make a payment I told them it does n't make any sense with all the credit my payment will make my account credit then I have to call citi again and request a efund for the credit balance the XXXX do n't get it I am not making any payments periods why make a payment then request a refund?????

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 2015-11-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: PA

Complaint narrative:
Back in XXXX 2015, we were calling PHH Mortgage XXXX, asking for a Payoff amount on the home. Finally, in XXXX 2015, we sent an email asking, PHH Mortgage services in XXXX, NJ. to give us a pay off balance on the mortgage. In the email they gave a payoff amount as of XXXX XXXX, 2015 in the amount of {$61000.00}. I went to the Credit Union and got a Cashiers Check in that amount. I sent the cashiers check Certified mail. Through tracking I received the information that they received the check and someone at PHH Mortgage signed for it. Then in XXXX 2015, we get a notice that we are in default of the loan for two months. We contacted them and they told us, they lost the Cashiers check, they wanted us to stop payment on the one they lost and reissue them a new check. It states right on the check, " NO Stop Payment Permitted ''. So, they then said, they would get back to us. They never responded then to us. Since, XXXX we 'd been trying to Contact them, to no avail. No one would pick up or return our calls. I also, sent a check, check # XXXX in the amount of {$120.00}, since thats what was owed yet, cause they did n't receive the payoff until XXXX XXXX, 2015. With that payment, I sent a copy of the Cashiers Check stub. 
On, XXXX XXXX 2015, we receive a Certified letter stating we were in default of the mortgage, saying we were 4 months behind and owed {$3600.00}. plus interest, and they were going to begin foreclosure proceedings on the house if we do n't summit payment, within 30 days. 
I have all the paper work proving that we had sent the payoff in XXXX of the amount in the email, {$61000.00}, plus the {$120.00} and that they received it. 
I spoke to my bank about reissuing another check. The bank said, they could, but PHH mortgage needs to sign and notarize an Addendum Form, stating they lost the check. 
When speaking to PHH mortgage they sounded reluctant to fill out the form. With their track record, I do not trust or believe they will follow through with the Addendum and will continue to foreclose on the house. When I called on, XXXX XXXX, 2015, the man I spoke to in collections, was not only rude, but kept telling me my account was sent to him cause I refused to pay my mortgage. I explained this was incorrect because I had already paid off the mortgage and am not in default as they claim. He then spouted that I needed to speak with someone in customer service, cut me off and transferred me to them. In the Past Customer Service, claimed it was not their problem that they lost the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have a membership at XXXX. During their switch from XXXX XXXX to Citibank for credit card processing, a credit card account was opened in my name with Citi XXXX without my consent or approval to the terms and fees therein. Membership dues were subsequently charged in the amount of {$110.00} on the Citi card. I have contacted both Citi and XXXX and, although they state that this is a legal transaction, I feel that it is a fraudulent practice no different than the current XXXX XXXX situation. Opening a credit card without consumer consent and making charges on it is fraud, fraud, fraud! XXXX should have billed me directly or made arrangements with me to put the membership dues on a credit card of my choosing, with terms and business practices that I agree to. I have since closed the Citi card out and made arrangements with XXXX to pay the dues, but I wish to log this complaint as record of big business financial fraud that needs to be addressed on a larger scale.

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 2016-09-14 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I did not received my Citibank Credit Card statement for XX/XX/XXXX resulting in them assessing a late fee of {$29.00}. I remember that I had an outstanding balance on my card and went online to check when the payment was due, I found out that the payment was due the next day. While I was online, an attendant reached out to me and asked me if I wanted to talk. I explained to the person that I did not received my monthly statement XX/XX/XXXX resulting in me not making my payment on time. the attendant reviewed my account and stated that since this will be my first late payment, he would go ahead and waive the later fee. I made the payment ( total principal outstanding ) that day via ACH and thought that that would be the end of that. However, I received an email in XX/XX/XXXX stating I now owed {$58.00} which reflect pyramid late fee. I called back to discuss my account and was told that the person who told me the late would be waived made a mistake and I would have to pay the late fee. I think I should not have been assessed any late fee in the first place because the bank did not provide me with a statement which they are required to do 21 days before the payment is due. In addition, pyramid fees is not allowed. Please advise me if I am interpreting the card act incorrectly. Your assistance is greatly appreciated.

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 2016-11-18 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX To Whom It May Concern, I have received my credit report from XXXX, XXXX, and XXXX. I have contacted Macy 's numerous times and even disputed it with the Credit Bureaus. I am requesting A goodwill adjustment to remove the late payments in order to finance a home. I know this request is unusual, it is ruining my good credit standing. I have had a mishap, and realize things happen. If you look at my records, I was always on time and this was years ago. The late payment is reported to XXXX and XXXX bureau and I am requesting removal of these XXXX late payments below. 

Company Name Account # Date Account was Opened Late Pmt. Dates Macys XXXX XXXX XXXX & XXXX Sincerely, XXXX 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 non-monetary relief
Consumer complaint received 2015-12-22 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
My ex-wife made me an authorized user on her credit card accounts without my knowledge. Once our divorce was finalized, she agreed to the conditions that the judge approved. She was directed to remove me from her accounts and to not put me down as a authorized user again and to not apply for anymore credit cards in my name.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I was contacted by XXXX XXXX regarding a debt. I asked question and he used an abusive and threatening tone. He continued to talk over me when I was asking questions. I then spoke with his supervisor regarding the call. XXXX XXXX was the supervisor I spoke with and he said that there was nothing to discuss and that they have removed me from the system. I do not need the torment and harassment methods that these individuals used to carry out there daily business. please help it is just plane wrong.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was served a letter stating my wages at my job will be garnished in order to pay back a student loan to CITI Bank. I never took out a student loan with Citi Bank ever. I did have a federal student loan but i paid that back in full in 2010.

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 2016-01-15 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I 'm trying to refinance my XXXX mortgage.Citimortgage owns the second loan. I have done everything they have asked and each time what they need changes, they keep delaying matters as I get charged .for interest. The wo n't work with my future mortgage company.I have given verbal and written permission.every phone call isca run around now they are trying to say I requested for hardship assistance. This has been going on over a month

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I 'd filed a previous complaint about Best Buy. Was told if I opened acct to buy XXXX XXXX, it would only be {$25.00}. Several months ago they began dumping interest and fees, {$1900.00} bal ( limit {$2000.00} ) they took to over {$2500.00} in just few months almost {$100.00} mo payment. TV per their site isnow worth {$250.00}. Each month they told me diff story ; sent me an agreement, told had 30 days to appeal. Asked them to explain and if it would put $ XXXXmonth back. They said I had to wait to see XXXX bill, but that would be after 30 days! My XXXX Bill just came in and it 's still almost {$100.00}, balance {$2700.00}. I told them heavy medical bills, ca n't pay {$100.00}, only {$25.00} as i was promised. Keep telling me diff stories as they pile up fees and interest. Wife borrowed $ to pay XXXX in full, thinking in XXXX we 'd be back to {$25.00}. Best Buy will not take any responsibility for scamming us, and will not work with us. I offered to give tv back said no. I asked that restart the balance to around {$1900.00}, XXXX which is still outrageous for this tv and a few other sm items in the trash ), but was willing to settle for that if they reset monthly payments to {$25.00}, which is what we were promised it would be. My wife is partially XXXX, we are both senior citizens. Can you give us contact information for someone who CAN help us? We of course ca n't afford a lawyer. My wife went to doctor and XXXX XXXX way up because of Best Buy. Please help. Thank you very much. We feel we 've been scammed and worst, now they might ruin our credit, and maybe insurance and other bills will skyrocket. That will be completely destructive for us. My former complaint # # XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation