vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Santander Consumer USA Holdings Inc.
State: AZ

Complaint narrative:
This company has been leaching on my credit report for several years. I 've paid this account in full never late or missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: ALASKA COMMISSION ON POST SECONDARY EDUCATION
State: OR

Complaint narrative:
When I applied for student loans through the fafsa government website I was approved for a certain about of student loans. A couple of loans I had taken were from an agency by the name of Alaska Commission on Postsecendary Education ( ACPE ). The loans I agreed to take were all federal loans. I did not apply for private loans. I found out about a year ago that a few of of my loans through them were actually private. I did not apply for private loans. I had only applied for loans through fafsa which are federal loans. Now that I am in repayment status, the " private loans '' do not have the same terms as the federal loans and I had absolutely no idea when I received these loans they were not federal and did not have the same terms. I am in a bind now that these so called 'private loans ' do not offer the same income based repayment plans as do the federal loans. They do not qualify for consolidation with my other federal loan lenders and I had absolutely no idea this occurred. I have XXXX loans with ACPE, XXXX of which are considered private state loans. How is it that XXXX of these loans are private and the other XXXX are federal? I had no idea and was not informed of these not being federal. I signed the promissory notes ; however, they are the same for all the loans I loaned from them. None of the promissory notes specify any difference between the state private loans or the federal loans. I was misled. I was not given the correct information regarding these loans or I would have not taken them. I intended to not take private loans out and it appears as though I did and I am not sure how that occurred. I need to find help with this matter as they are hounding me regarding repayment now. They are not offering lower payment options like the federal loans offer and frankly, I can not afford the minimum payment they are asking. Especially with the low wages available to people at this point, I am unable to pay bills, let alone student loans. I did obtain my degree ; however, I am realizing it was a bad decision and wish I could just get a refund and return my degree. XXXX is a joke. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22 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:
Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX, Iowa XXXX XXXX XXXX XXXXXXXX XXXX XXXX, texas XXXX To Whom it may Concern Regaurding a car loan ( acct # XXXX ) in the several year I have had this loan due to economy and work I contacted Santander serveral times and get this loan refinaniced or to low the payments. When this avenue was not going to avail anything On XXXX XXXX, 2015, I called Santander for a volintary reposession. 
At that phone call I was informed that call could be recorded which I had no problem with, and was told that to complete the volintary reposession they would HAVE TO MAKE A RECORDING, I informed them that I too would be recording the rest of phone call, I was promply hung up on. I also sent a written message to the ONLY ADDRESS I had which the bill paying address. 
When no atempt was made to pick up car I called Santander in the beginning of XXXX SEVERAL TIMES, and because of their failure to accept voluntary reposession and that extra fees would be applied. I told operators at Santanders that I would be recording calls to prove my request. Each time I was told I could not and hung up on, I even tried several times to speack with someone about the policy that they record calls and that their policy to even get a voluntary reposession IT WAS REQUIRED THAT A RECORDING of myself but that I could not record their calls. I was refused an explaination and was denied to speack with any supervisor. 
After several attempts to clearify this matter I report this UNFAIR policy, and pracitice I tryed to report unfair business practices to " Texas XXXX of XXXX XXXX XXXX ''. I was informed that Santander accknowledged that I did try to ask for voluntary reposession and that the policy of recording was not done so that they refused to accept request, and that Santander also recived the written notice to reposess car, but that it was sent to their contracted assosicates! These accknowledgements prove that they are violating law and that they consider their policies surpercede law. These accknowledgements also prove that they feel consumers have no rights and that fair policies for them supercede FAIR BUSINESS PRACTICES. The OCCC of Texas stated that they do not have jurisduction of unfair busieness practices and that I should report claim to federal trade commission and that OCCC can not deal with Santander 's company policy. 
They have harassed me everyday and several times a day concerning making a payment and added illegal fees since XXXX XXXX, 2015. Each time they call I inform them that AS THEY DO I am going to record the call and each time they refuse to continue and they terminate the call. Since they have violated Fair practice and have refused to accept reposession after they accknowledge notice, I want this harassment to end and for punitive damages that my account be cleared and they stop reporting any issues to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
A concerning matter has been brought to my attention that an alleged auto loan and or repossession in XXXX that is listed under my social security number from a company or lender by the name of Santander Auto Loan Company. Chrysler Capital provided this information. 
I was given an account number and a phone number to the " president 's office '' of XXXX. 
I called and was on hold for about 1 hour. I spoke to a rep to inquire about this account and was told they was not authorized to speak to me and that they needed to speak with their legal department! 
I have NEVER had a loan or repossession from this company, EVER. I am trying to get information, because I was a victim of ID theft from XX/XX/XXXX to XX/XX/XXXX in California. 
I see that this issue is this or this is an error in their system. How can I get any resolution to this if they will not provide me with any information? This was NEVER on my credit like all previous identity theft items because it could have been resolved years ago. They are not assisting but Santander has an account tied to my social security number, and is effecting my consumer relationship and has cause a hinder to my already damaged credit. I can not get this resolved. 
I need to know what steps I should take on this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Synovus Bank
State: MA

Complaint narrative:
This company closed my account in XXXX 2015. They refunded me my entire security deposit and a statement with a XXXX balance was included as it should have been. 2 months later I get a statement from this company with a {$110.00} balance. I wrote and complained and was never given a reply. They have since sold the account to XXXX XXXX collection company. If your trying to rebuild your credit I 'd pass on this company as they have poor customer service and seem to be in some type of cooperation with XXXX XXXX for profit

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I traded in a car that I had financed only months earlier for a newer car actually I traded a XXXX dodge caliber for a XXXX dodge charger worth about XXXX monthly payments to be XXXX per month the salesman told me I could split payments which sounded great however I only make XXXX per year and was very naive and my first time purchasing anything period chrysler dodge sold me the car and chrysler capital financed it chrysler capital knew nothing of split payments over the life of the loan I would wind up paying over XXXX dollars I think all things considered that loan should have not even been approved I have lost the car to tickets the insurance lapsed because I could not keep up with all of it the car is in possession of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
The debt collection agency Santander Consumer USA purchased my debt from XXXX XXXX. When Santander acquired the account they changed the " last payment made date '' to when they got the account. They are not taking into account when the account first became delinquent. My vehicle was repossessed more than a year before XX/XX/XXXX and they still reported the " Last payment Made XX/XX/XXXX ''. The collection agent stated thats how they handle all their new account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XXXX/XXXX/XXXX, Citi advertised " Earn XXXX bonus ThankYou ( R ) Points after you spend {$0.00} in purchases with your card within 3 months of account opening redeemable for {$200.00} in gift cards '' I applied the card but citi never honored the signup bonus. I give Citi 6 months to resolve this issue and eventually the falsely claimed I was not eligible. 

The application was submitted on XXXX/XXXX/XXXX with Application Id : XXXX Response from citi Date : XXXX XXXX, XXXX XXXX EST Please be advised that because this offer was posted online in error we are still working to resolve this issue ; only the account that were was opened during the time in which this offer was advertised will be eligible for the bonus points. The adjustment of bonus ThankYou Points for applicable accounts is scheduled to occur during the XX/XX/XXXX billing cycle. 

XXXX XXXX, XXXX XXXX EST The resolution regarding the promotional offer that was posted in error was scheduled to be corrected by XX/XX/XXXX. Unfortunately, this has been delayed and the bonus Thank You points will post to your account XX/XX/XXXX. We apologize for any inconvenience this may have caused. 

Date : XXXX XXXX, XXXX XXXX EST We understand your frustration. 

At this time, the Thank you point have not been awarded. This concern is still under investigation. If awarded the points will be shown on the billing statement. 

We appreciate your business and value you as our customer. 

Regards, XXXX XXXX Senior Account Specialist, South Dakota Date : XXXX XXXX, XXXX XXXX EST Our records show the offer to earn XXXX bonus Thank You points if you spend {$0.00} was posted in error from XXXX/XXXX/XXXX through XXXX/XXXX/XXXX. Only accounts opened during this timeframe were eligible for the offer. We show that your account was opened after the offer was removed.

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 2017-02-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
I financed a car loan that was purchased from XXXX in XXXX on XX/XX/2012. The car was financed by not sure on the sale contract is states the Creditor and Seller is XXXX, LA XXXX. But I have been making payments to Santander Consumer USA and when i requested proof I have not receive anything stating the loan was to be paid to Santander. I asked Santander for a pay off the amount that i was given today would be the same as two years for this date but was told that the interest is accumulated. XXXX and Suntander Consumer is practicing deceptive misleading consumers. The Consumer 's rights to safety, to be informed, to choose and to be provided correct information when a purchase is made. This contract and what is being done is not providing the correct information and Suntander has provided services that on the paper states that the creditor is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Complete Collection Services, Inc.
State: NJ

Complaint narrative:
I receive a medication at XXXX Hospital located in XXXX, NJ. I have been receiving the drug there since I stopped going to XXXX medicine in XXXX XXXX for the same reason for the same reason. XXXX, the company that manufactures the drug placed me in an assistance program that gives me the drug called XXXX for free. XXXX hospitals send claims for the drug to my health insurance making claims as if they purchased the drug in their own pharmacy. XXXX medicine has already sent my bill into collections even though I have made many attemps to resolve this issue by getting funds from drug copay assistance programs, that they refused to accept. XXXX hospitals wait until a year later to inform you that you owe them money which I had no idea about because I thought that I received the drug free through XXXX, the company that makes the drug. This process has been a nightmare. The do n't even want to resolve the issue when XXXX calls to discuss the issue.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: Synovus Bank
State: AL

Complaint narrative:
The information from my credit card was somehow obtained and used to create another bogus credit card where over {$1500.00} was charged to my account. I had stayed at a motel while in the XXXX area and was issued a magnetic key which I turned in when I checked out. Not sure if the information was obtained from the magnetic key or not ; however, I only used my card in XXXX places during the time I was in the XXXX area.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I made a purchase in XXXX XXXX using my Macy 's credit card to receive a discount in the store. I never received a bill and forgot about the charge. I received a letter on XXXX XXXX, XXXX saying that Macy 's had been trying to contact me for some time. This was surprising to me as I had not received any letters, emails, or phone calls prior to this letter. I called and discovered that Macy 's had been charging me interest and late fees on my account and I asked to have a supervisor call me. I had not received a bill. In talking with the customer service representatives, it became clear that the ebills that I had signed up for were not being sent by Macy 's since they had changed my account from XXXX to XXXX XXXX. I confirmed with my bank that they would have still delivered the ebills even if the account number did n't match what was in my ebill list. Macy 's confirmed they did not have an email address for me, they had not sent me paper bills, and they did not leave me any voicemails indicating that there was an issue. Once I received a copy of the bill in question, I paid the amount owed for the merchandise bought. I waited for a supervisor to call me and no one ever did. After spending over an hour on the phone today, I finally was able to agree to pay the late fee and interest for the first month of non-payment ( {$29.00} ). I am very dissatisfied with the process Macy 's has for this issue. The first communication I received was a letter ( see attached ). I called and requested to speak to a supervisor, and was never called back. In talking with XXXX XXXX today, he was unable to tell me where they were sending ebills as they have no email address on file and his system apparently did n't say where the bills were going. He also informed me that while his system shows they called me, they do not leave voicemails for security reasons. I explained that I am employed so am not home waiting for phone calls and that I expect that if someone wants to reach me they will leave a voicemail, which XXXX explained their practice is not to leave messages. That is ridiculous. I was also told that when a customer signs up for ebills, they do not receive paper bills. Again, if a customer who in the past has always paid in full on time ( see ebill history attachment ), a reasonable person would see that there is an issue and contact the customer before 5 months have passed.

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 2016-10-04 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I applied for a jointly held Checking Account online with Citibank. I had thought I could apply online and fund in person the same day, which this bank is apparently unable to do. Due to this, my husband had to open a second, sole owned, account in person at the branch. We opened the account in order to receive a credit on closing costs for a mortgage loan. Two weeks later, I called Citibank to close the jointly held account. I placed my call shortly after XXXX PT, while unpacking our new home. I was informed that the account can not be closed by the customer service line, apparently some 'new account ' department had flagged the account and would n't allow anyone but them to close it. I insisted upon an escalation and was told an after-hours form was being submitted to close the account. Three weeks later I received checks in the mail for this supposedly closed account. I called a second time and was told again that a hold was placed on my account by a 'new account ' division and it was preventing anyone from assisting me during the hours I am able to call. Again the representative claimed a form was being submitted and the account would be closed. The next day I went into the branch, during normal business hours, closed the joint account with a {$1500.00} balance, yet STILL could not close the {$0.00} balanced account. The store managed then informed me that a fraud department had flagged the account and even they were unable to override it. How can it be legal to hold a customer hostage like this? I am trying to ensure that no monthly service fees are charged, thus causing an overdraft on an account I do not want or need. How could TWO different customer service reps give false information that they are closing an account, the second representative claimed I would receive a confirmation email of the account closure that never happened.

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 2017-01-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I had a mortgage with CitiMortgage. I had a mortgage amendment filed in 2011 for relief of payment. The Amendment was written incorrectly and I suffered from financial hardship with extra interest payments that were not correct. They were higher than promised. XXXX bought this mortgage and continued to harass me until I went to the Minnesota Attorney General. and they helped me find relief with XXXX who is now identified as XXXX operating in Minnesota.

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 2015-10-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citimortgage increased my mortgage payment by {$210.00} per MONTH which Citimortgage stated started XXXX XXXX, XXXX. I did NOT receive any notification from Citimortgage that my mortgage had increased by {$210.00} per month. My XXXX and XXXX payments were made through my bank. My payments were sent and received by Citimortgage ONTIME, but as Citimortgage is legally allowed to do Citimortgage did NOT apply the payments, but declared me in default of my mortgage. 

Normally Citimortgage notifies me two full months in advance with a legal sized colorful form explaining any increase or decrease. The first I learned of the increase was when I received my credit report, and noticed that a Lien was placed on my property for {$220.00}. I called Citimortgage to see if they had placed the lien. Citimortgage said they had not, but informed me that my payment was late. I was shocked as all my payments are scheduled by me to be paid directly to CitiMortgage from my checking account, and the money had already been taken from my checking account. 

I was further informed by Citimortgage that the outrageous increase was because both my property taxes and my house insurance had increased. I called the XXXX XXXX XXXX office and was informed that my XXXX taxes for the year was XXXX, and that my XXXX taxes for the year was REDUCED to XXXX. This is a decrease of {$5.00}. I called XXXX. I was informed that my house insurance for XXXX was XXXX. As of XXXX XXXX there was an increase XXXX, a difference of XXXX, per yr or XXXX a month, NOT {$210.00} per month. 

Citimortgage sent me a refund of over {$500.00} about three years ago. I thought there was a law against banks OVERCHARGING customers and then sending a large refund. This was an interest free loan. Citimortgage has never given me anything free. To date Citimortgage has NOT sent me a formal written explanation for the MONTHLY increase. This is a scam. Please help me resolve this with Citimortgage. 

My mailing address is XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX. The XXXX XXXX was notified the end of XXXX or the beginning of XXXX. I was NEVER lost from Citimortgage. I have called Citimortgage three times concerning this. The Home is located in Ga, XXXX XXXX XXXX, XXXX. The loan number is XXXX. I am a XXXX yearly female Veteran. 
Thank you for helping meSincerely, XXXX XXXX

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