vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-15 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had a Brooks Brothers credit card through XXXX account # XXXX. In 2016 Brooks Brothers changed banks to Citibank. Citibank then changed my account number to XXXX without my knowledge. I continues making payments under the old account number to XXXX. XXXX forward my payment to Citibank. but Citibank has refused to give me credit for the payments made. I have provided Citibank with multiply proof of payments but Citibank claims that the documentation is not adequate. The documentation provide came directly from XXXX with photo copies of the front and back of the cancelled check which was endorsed by Citibank. Citibank appears to be incompetent and continue to harass me threatening to make false reports to credit agencies in a effort to force me to double play. Please help

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 2015-08-30 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I keep requesting that Citibank remove my co-signer as I have met all requirements and do not want to pay off student loans until they are in my name alone to get the full benefit on my FICO score and credit history. In addition I have been paying these loans for more than seven years straight and on time. There is NO form for me to fill out to request my co-signer be removed anywhere on Citibank or it 's affiliated sites and they keep changing the terms of my loan contract. This is outright fraud and I will seek legal action against Citibank as a result. They have failed to validate the loans as is my right and will not show where they were disbursed and demanded I prove who I was when I logged in and found another person was applying for a student loan with my social security number in 2006! I was not allowed to cancel the process under threat of a lawsuit by Citibank and am ready to sue. I ca n't find out if the loans I 'm paying for are even MY loans! This is fraud! I will be filing a complaint EVERY 30 DAYS until this is resolved and will find a lawyer to SUE this company run by crooks! I will be filing complaints against XXXX, XXXX XXXX XXXX XXXX, and Citibank for this EVERY month until something is done. Even after I file a lawsuit I will continue to complain since what they are doing is out of blatant disregard of a contract that resembles nothing at all of what I had signed. I am sick of being cursed at by representatives on the phone, lied to, denied my XXXX from XXXX and more. These group of criminals have been already found guilty of fraud concerning what I have stated above and yet they are allowed to continue to break the law and the contract. I make more money at a stable job and meet the first agreed upon requirements for several years now. The fact that they do NOT have a co-signer release form anywhere on their sites or affiliate web sites further proves they never had any intent of releasing any co-signer. This is n't just misleading a student it 's outright fraud on a contract.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I made minimal charges on a new macys card hoping to benefit from the introductory offer/discount in or about XX/XX/2015 Soon they were charging me late fees and late fees on late fees and I tried to cancel my card and paid what I believe was owed after several phone calls. Now despite having paid and cancelled my card the statements keep coming with late fees on late fees and telephone calls to my house at night. I spent nearly an hour on the phone with customer service since I do n't know what these charges are at this point or what the late fees are for since I believe I long ago paid off the few items I bought from macys. The customer sevice was disgraceful unhelpful hostile and offshore and refused to provide me with any records of charges and payments so I can get this straight. I would like to bring a legal action but need the records which Macys wo n't give me. And the calls and late fees keep coming. A nightmare.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Financial Asset Management Systems Inc
State: NM

Complaint narrative:
FAMS contacted my placed of employment and informed my co-worker personal information about me and that I have unpaid loans. My co-worker informed the caller these types of calls are not allowed and gave the caller with my permission my personal cell phone number. On another occasion a FAMS employee pretended to call to verify my employment and personal information about me for an " application I submitted ''. When my co-worker became suspicious because the caller was becoming rude she transferred them to my supervisor. My supervisor did not feel comfortable giving the caller the information they wanted after the caller would n't verify who they were so he referred the caller to our company supervisor. Then I received a call from our HR department informing me they received wage garnishment papers from this company for XXXX % of my paycheck. I got the company name and number from the paperwork. I called and was transferred to a man who was rude from the beginning. He stated they have called me numerous times on my cell and have not made contact. Which I have never received a single call or mail from this company. I informed him the address he has is incorrect and I have not lived there in over 5 years and that the name he is using is my maiden name. He argued it is my fault my wages are being garnished and that I should 've kept my name, address and phone number up-to-date with them. And since they never received a returned letter that it 's my fault they did n't have current contact information for me. He stated he does n't know the original debtor but that the loan from 2003 came from XXXX and is now at {$9000.00} due to interest but he ca n't tell me the original amount owed due to the loan being consolidated at some point in the past. He had no interest in updating my contact information, resolving matters with me or helping me get the correct forms that verify the debt owed and debtor owed. He very smugly stated several times that all will be resolved now that my wages will be garnished. How can a company who wo n't verify a debt or debtor? Wo n't communicate with me? And violates third party disclosure now garnish my wages for an unverified " owed debt ''?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
Failing to honor a mandatory arbitration clause in my credit card agreement. I received a summons on a debt from Midland credit and immediately requested arbitration. They continued with the lawsuit against me and we arrived at court on XXXX XXXX. The lawyer representing them is XXXX XXXX XXXX. I brought a copy of my agreement obtained from XXXX He immediately questioned the validity of of that agreement because it was dated XX/XX/XXXX. I went home and printed yet another agreement from XX/XX/XXXX, both having the same arbitration clause. He is now asking for summary judgment and I have a new court date of XX/XX/XXXX. He is also claiming his client may be in TILA violation and submitted the wrong agreement on cfpb.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Synergetic Communication Inc
State: PA

Complaint narrative:
Receiving multiple robot calls every day 7 days a week the company nameSynergetic Communications receiving robot calls harassment 7 days a week all day long synergetic Communications

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Harvard Collections, LLC
State: FL

Complaint narrative:
I have an account on my credit who I do n't know which company this debt collection his. I want this to be removed from my credit or need some more detail on this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
Auto financing with Santander Consumer USA is a setup for failure among Consumer 's who are less fortunate which includes Low Income, Race, Age, and those receiving Public Assistance when I applied for an Auto Loan XXXX could have had my loan funded by other Finance Companies. 
But Santander Consumer USA inflates there loans to the point it benefits them and the Dealerships who use them, both benefit at which time the Consumer 's are the big losers. 
They Bait the Consumer 's like myself with interest rates and other fees along with monthly payment amount so high that you will fail. 

I was ask if I receive public assistance which I did at the time of my loan. I feel strongly this is just one reason I received an interest rate of 28 % and a monthly payment amount of {$470.00} also I was ask why do I receive XXXX, this and my age was another reason I received an unfavorable loan interest and payment. 
I was told that GAP Insurance was added to my loan only now I am told that GAP is n't included in the loan, which means that if the vehicle is totaled Santander will come after me for any remaining amount owed. 
The extra fees and add On 's benefit Santander and the Dealerships. There are so many violations under the Truth and Lending Act on my loan. 
I was also told by Santander that they deferred one of my payment to the end of my loan, but instead they lied, I found out that they are still charging me late fees and other fees saying I am late, they are also reporting me to all of the credit bureaus as been late. which I was denied a loan because of the negative information been reported, Also my payoff should be {$17000.00} instead Santander Consumer USA told me my payoff is {$20000.00}. The loan when taken out over a year ago was for {$18000.00}. 
It 's unbelievable that Santander Consumer has so many complaints against them when I searched XXXX, I would hope that CFPB will do something about this Business. 
I feel that my age, XXXX, income, and Public Assistance has everything to do with my higher interest rate, payments and other fees, extras. 
They set me and other Consumers up for failure, get as many payments out of us as they can and than repo of vehicle. 
I also notice several lawsuits against them for similar issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: WA

Complaint narrative:
I purchased a XXXX XXXX almost three years ago for {$17000.00} plus taxes. I put {$4000.00} down and paid on time. I missed one payment but have been paying more to try to make up for it. Our payments are {$390.00} a month and have so far paid at least {$12000.00} in payments. We keep getting hitting with outrageous interest and charges. For the past year we have been paying, they keep saying we owe more than {$12000.00}. There is something that they are doing that is n't legal. Please look into this because I feel we have been taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 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:
I had a hardship back in XX/XX/XXXX. I, under my own accord, volenterally repossessed my XX/XX/XXXX XXXX XXXX. I had a loan thru XXXX. We agreed on a settlement with monthly payments that are due each month for the amount I was upside down on my loan. They call me every month witch I am usually at work when they do. I have asked them to stop calling me as I am agreeing to the settlement and have made every payment on time. They told me that there " system calls me automatically ''. I understand that if someone is n't making payments or is late they would call, but for someone that is making ever effort to make the payments on time why sound I be harassed this way. I was also told that I could make my payments with my credit card with a 9 % charge. I have to mail my payment because of this. I do n't understand that if I am paying my regular car payment I can do this online. Because of the settlement process it makes me feel like they are trying to make every effort for me to be late and break our agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 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 am being contacted everyday XXXX times a day at minimum about a payment that should be made on a car loan. I have told the lender several times I will pay. They continue to harass me and every number they have, also intimidating my poor grandmother.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: MI

Complaint narrative:
Santander Consumer USA. I purchased a vehicle through Santander USA in 2012. I have made XXXX payments of XXXX and still owe XXXX. The payoff amount changes from day to day. They are staying that I owe XXXX. ( + ) in late fees! How is that? They could not give me a proper answer. I do not understand how I have made payments of XXXXand the principle has not decreased.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
My car Loan has a status of " current '' with Santander. Santander is reporting to all XXXX CRA that my status is C/O. I am current on my auto loan since XXXX of 2016 yet my CRA are reporting C/O. 
I would also like an explanation of a fee of {$700.00}. I asked for a detailed invoice to understand what fees are being charged adding up to {$700.00}, I was told they do no offer a break down.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: MN

Complaint narrative:
I have been in contact with Chrysler Capital on a recent truck lease that was just turned in and I was sent a bill in the mail stating I owed money for damages that I did get fixed. Here is the timeline of events : -Hail damage to the truck occurred in XXXX 2015-Claim with my insurance was filed for the damage before XX/XX/XXXX15-I called Chrysler Capital to set up the turn-in inspection and they said I needed to have the inspection done prior to getting the hail repairs completed. 
-Chrysler Capital person came to my house for inspection on XXXX/XXXX/15 and estimated damage of {$1500.00} needed to be fixed prior to turn-in of the lease. 
-Truck was then taken in to XXXX XXXX XXXX XXXX MN for repairs done on XXXX/XXXX/15 ( shop was recommended by the Chrysler dealership ). Actual cost of damage was {$3500.00}. 
-Repairs were completed and I paid my insurance claim deductible. 
-Truck was taken to XXXX XXXX MN Chrysler dealership on XXXX/XXXX/15 and turned-in. No damage was noted at turn-in and everything seemed to be OK. 
-A few weeks later a bill was sent to me from Chrysler Capital in the exact same amount of {$1500.00} that was originally estimated as the damage. 
-I called Chrysler Capital assuming this was just an error as the repairs were completed. They stated I needed to send proof of the repair for review. 
-Documented detailed proof of repair from XXXX was provided to Chrysler Capital for review and removal from final bill. 
-Chrysler Capital reviewed and is saying the damage was still present and the repair was " subpar '' at the time it was released to auction. 
-I requested what exactly was subpar and they could not tell me exact areas that were not fixed and say I still owe the money. They have not shown any documentation to me on what was supposedly wrong, yet they say I owe them the money. 

This is not true as I know the hail was fixed - repairs that were done were actually double of the original from the Chrysler inspector estimate. This is not fair that they are holding me liable for these charges since I did in fact get the damage fixed. I do not want this to hurt my credit, but I am not paying for something that was already fixed prior to returning the truck. 

Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Santander Bank has issued loans to someone else using my identity, I lost my wallet in XXXX several years ago and I have had several issues with ficticious accounts. I called them after receiving my credit report XX/XX/XXXX, and seeing this. Once I called they recorded my number and now they call me everyday on my new number. These account were opened in XXXX. I reside in XXXX. I even told them this. they said they would investigate however i just ran a copy of my report again and now it reporting as charge offs.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: LDF Holdings, LLC
State: WA

Complaint narrative:
I obtained a {$1000.00} installment loan from Lendgreen. Per my agreement I am to make XXXX installment payments of {$300.00} to satisfy the loan effective XX/XX/2015. Upon checking my account Lendgreen withdrew {$380.00} on XX/XX/2015 causing an overdraft on my account. When I contacted them they stated the XXXX payment would be a little higher due to a certain amount needing to be applied to principle. Lendgreen also advised my loan would not qualify for any alterations to the agreement meaning I would not be able to postpone any future payments. For some reason I am also not able to access my original loan documents. The Lendgreen websijte continues to error out stating my computer is not compatable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-01 00:00:00
Product: Credit card — 
Issue: Application processing delay — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I was applying for an American Express Gold card so that I could purchase presale tickets. I told the agent I only wanted the card if it could be issued before the presale date. He assured me the card would be expedited so that I would have it within 2 business days. Based on this information I applied for the card and was approved. After it was approved, the agent told me that in fact the card would take XXXX to 10 business days to be issued. I spoke with a supervisor and explained that I was given false information in order to apply for the card, but was told there was nothing they could do about it. Further, they told me that the Gold card can not ever be expedited, which means the agent knowingly gave me false information in order to get me to apply for the card. After spending an hour talking to customer service, all they would do was try to get me to submit another application for a Platinum card. They do n't seem to care that their agent gave someone false information to get them to apply for the card. All they care about is that I now want to cancel the card. The credit inquiry is now on my credit report and I now have a credit card that I do n't want.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
My bank HSBC has raised my fixed monthly mortgage payments over XXXX per month again without explanation. Fixed mortgage.Only thing I could get out of the many many phone reps i spoke to is my taxes and hazard insurance has gone up that much. NOT true-Increases amount to a few XXXX per anum total. I sent them ins & tax copies as I received from my brokers.HSBC left New York and I can no longer communicate face to face.When I paid the amount I had been paying every month they sent me a threatening collection letter demanding what they claimed I must pay.I filed same complaint vs. HSBC about a year or two ago and bank was forced to change my monthly billing back to correct amount. It 's extortion, I 'm a XXXX by the way but am helpless here.

Company response to consumer: Closed with explanation