vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: FEARON FINANCIAL LLC
State: VA

Complaint narrative:
I want to report to the CFPB, and warn other potential customers, about the worst possible experience with " XXXX. '' Based on my experience, I believe this company is a scam. I have secured at least a dozen mortgages/refinances in my lifetime, and this was the worst experience ever. Do not use this company under any circumstances. I applied for what should have been an easy refinance in XXXX 2016. As of the end of XXXX, XXXX Mortgages had still not gone to closing on the loan. This was a loan to value ratio of only 45 % as the property appraised for more than twice the amount I was borrowing. I was exceptionally well qualified. I provided over XXXX pages of documents, and replied to every request for information within a matter of a few hours. There was absolutely NO delay on my part. After collecting my {$500.00} deposit, XXXX would disappear for days or weeks at a time, or would keep digging deeper into the documents to ask yet another question. There was no end to the delays. The loan supervisor admitted that this should be an easy loan, that I was exceptionally well qualified. I reached a point where I was calling everyday. This became my second job! After three months, and no closing in sight, I told XXXX that I just wanted my {$500.00} deposit back and that I would get a mortgage elsewhere ( which I easily have done at a local bank ). XXXX approved the {$500.00} refund and even sent me a " receipt '' for the {$500.00} credit to my credit card. Guess what? I still have n't received the credit! Another fraud. This company should be shut down.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
I had bought a used car from a dealer that arranged finance through " Santander Consumer USA ''. I received my first payment invoice in the mail XXXX day prior to the due date. Upon calling their service number to arrange a payment I was informed that there was a fee nearly of XXXX dollars either by phone or internet. The next month 's statement arrived in a timely manner. The third, ( this month XXXX ) arrived on a Thursday with a due date of Monday.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: SHAPIRO LAW OFFICE, PC
State: PA

Complaint narrative:
I was contacted by XXXX XXXX, Shapiro Law Offices, P.C. of XXXX XXXX XXXX, XXXX Pa XXXX on XXXX XXXX, 2014 regarding the payment of a past debt to XXXX XXXX. that was originally almost completely paid to XXXX, XXXX and XXXX XXXX XXXX of XXXX PA. I immediately contacted XXXX XXXX to indicate that I would be happy to resolve the remaining amount that had been contested and released from XXXX, XXXX and XXXX when he provided an accurate balance to be paid. XXXX XXXX was adamant that I owed the full balance. I asked him to contact the prior collector to ascertain the correct balance due. I was consequently served a subpoena from my local court. At that point I had no choice but to hire an Attorney myself. On at least XXXX additional occasions XXXX XXXX continued to purposely misrepresent the amount owed to my Attorney, prolonging my need for legal representation and subsequent fees. It was only after XXXX XXXX himself was served with interrogatories and compelled by legal requirements that he went and actually acquired the past payment history clearly indicating that I did not owe {$2200.00} as he had maintained up until that point in time. I accrued Attorney fees of {$920.00} since XXXX XXXX misrepresented what I actually owed on the debt, and continued the charade even after I sought legal representation. The debt was finally resolved, but I had to sacrifice almost an additional {$1000.00} due to XXXX XXXX 's false representation of the debt. I am seeking to be repaid for my Attorney fees by XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
Santander Consumer Bank makes it impossible to pay loan in full and creates impossibilities to pay on time thus charging extremely high fees. They charge you XXXX dollars to make payments online or over the phone which consumers must do because checks that are mailed take weeks to be processed. I 'm trying to pay the loan in full but XXXX wo n't process my credit card payment because it 's payment in full. I was told I ca n't pay the loan in full online or over the phone even if I only owe XXXX dollar that I must send a check. The check wo n't clear in time to pay in full so the bank will charge additional fees. I 'm also concerned from reading about this bank I wo n't receive the title. Most complaints on XXXX are similar to mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Synovus Bank
State: GA

Complaint narrative:
XXXX, Synovus and Columbus Bank and Trust are all the same bank and now any bank that has an affiliation XXXX keep reporting the same delinquency every year so it stays on my report. I made an attempt to satisfy and was told they could not find and account for me. They should only report as of 2011 not every year. 
I feel they are doing this to continue to cause me hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I unfortunately entered a vehicle finance through Santander. For the past 2 years i have been reorted late and the balance on my car is the same as it was the very first day. i have asked for statements to prove this and have been told no, have been told its being processed, then was told they can only go back 1 year. i have filed complaints with their supposed office of the president, i just want out of this loan without a repo on my record so i can get another car. Never do business with them again

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
I had XXXX accounts with Santander. Both have been paid off, but Santander continues to report an outstanding balance even though I have informed and disputed. Account XXXX was repossessed XX/XX/XXXX and I paid settled the charge off XXXX XXXX. I even filed with appropriate tax document earlier this year. XXXX was paid off over a year ago and I possess the title. I have attached all supporting documents. I can not understand why Santander refuses to report accurately to the credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-09 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I ordered an item at Macys in XXXX XXXX using my Macys credit card of {$160.00}. I made the purchase on " pre-sale, '' meaning I got a discount but could not pick it up until the next week. I decided to cancel the item and called the store to cancel the purchase, which they did. I was told I would not be charged unless I picked-up the item, however my XXXX statement showed the charge. I opened a dispute via the Macys online portal and called them to let them know the charge was in error. They told me they would investigate it and it would take up to XXXX billing cycles to review and I did not need to make a payment on the card. They told me this in writing and on the phone. ( Note, that charge was the only item on the account -- my bill is always paid in full. ) I started getting interest charges and late fees due to this disputed charge, which Macys reversed when I called them every month. I spent the next six months, through XXXX XXXX calling and trying to find out the status of my dispute and resolve the account. Then in XXXX, even though Macys told me multiple times not to pay the bill on the phone and in written emails, they reported me to the credit bureaus. They placed multiple XXXX, XXXX, 120 day late marks on my credit report which damaged my credit by over XXXX points. When I called and told them I was just following their written instructions, they told me there was nothing they could do. They could not remove the derogatory information until the dispute was resolved in my favor. After many HOURS of calls over a period of months, I finally spoke to someone competent who researched my case and found the dispute WAS actually resolved in my favor in XXXX XXXX but Macys " forgot '' to process it! She told me someone dropped the ball in the dispute department and never sent the file to the credit department. She told me they were updating my account to show a {$0.00} balance and they would put a rush to remove the derogatory credit reporting. However, it has been a month and Macys is STILL showing the full balance, adding more late fees, and my credit has not been fixed. I now have a letter from a collections agency from Macys. 

I have spent hours and months trying to repair this issue which is completely Macys fault. They charged me for something I never got, they did not properly handle the dispute, they told me not to pay then trashed my credit, and now they told me it is being fixed and nothing has happened. This company is negligent and has tarnished my credit because of their negligence and fraud.

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 2015-08-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: OR

Complaint narrative:
Our loan was purchased by Santander we have paid XXXX monthly payments of {$360.00} on a XXXX month loan and Santander claims we still owe {$6200.00}. They told us we need to do a loan modification to pay this last {$6200.00} over XXXX months. How can we make all XXXX payments and still owe {$6200.00} this is fraud and extortion. They beat my credit up over this modification they tell my ex-wife do n't make a payment until the loan mod is complete and then report you as late my credit score dropped XXXX points in XXXX minute when they reported the payment as XXXX past due. Here is how they did it and the attached payment history will show this. On XXXX/XXXX/2008 they added {$2600.00} to the principal out of the blue then every month they charge numerous miscellaneous fees between {$10.00} and {$36.00} a couple of times a month for the life of the loan. We originally were with another company and the terms of the original loan were nothing like they are now. I would not be surprised if they changed the interest rate as well who can tell how they compute interest.

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

Complaint narrative:
I got airline ticket from travel agency. It was round trip ticket and my flight is on XXXX XXXX 2016 from XXXX to XXXX XXXX XXXX XXXX. I requested to change my routing because of Clashes between XXXX And XXXX Government and 20 days ago the XXXX XXXX was shut down for three days and lot of passengers was stuck at airport. Now still in XXXX has 3 months Emergency Declared. I do n't want to use XXXX XXXX. I request to agency for rerouting my trip but they are not agree. And also they are not giving me half refund. 
I called my credit card company to dispute this charge and credit card company open dispute charge but did n't get my money. Now citi castco credit card company tell me that i should get my money on any other ways because they will not help me to resolve this issue. My request is reasonable because why should i go by XXXX XXXX route if there has some problems. I m so upset about the policey of citicastco credit card company. 
If you neend any other information about this issue please let me know and i will try to provide you. 
Thank you for your time.

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 2016-10-19 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I have been denied the ability to dispute these charges with my Citibank credit card.I received a denial letter, that said I was not able to dispute the charge, The charges I am requesting assistance in disputing were all made between XXXX and XXXX 2016, to XXXX XXXX XXXX XXXX and XXXX in the total amount of XXXX. I have recently come to the conclusion that I have been victimized by an online business scam. I have been told that I am unable to dispute charges over 60 days old, however, I understand that the 60-day time frame for disputes does not apply in my situation as this is not a billing error and I signed contracts. My dispute has been mishandled and requires further investigation .I would like them to look into this " merchant '' There has got to be something they can do for the protection of their customer beyond 60 days. Companies like these are taking advantage of people making promises and telling lies. They did not provide the services as described.

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 2017-02-13 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I was declined for a credit card in spite of having a credit report with no adverse ( late payment ) information, a credit score near XXXX and 3 % utilization of available credit. After receiving the credit report, Citi requested additional information including copies of bank account statements and a copy of my federal tax return which I provided. Twice the reason given for turning down credit was " could n't verify the accuracy of ... information provided. '' I was given no opportunity to discuss this with anyone or provide further information. Lacking any reasonable reason for credit being declined I am left to conclude that the fact that I am XXXX years old is the real reason this credit was declined.

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 2015-08-14 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: Stenger & Stenger, P.C
State: GA

Complaint narrative:
15 years ago I opened a low line of credit credit card with XXXX XXXX. Due to unemployment and medical bills from a very sick baby this card ended up in default. It has been over 10 years and now Stenger and Stenger are threatening garnishment for a debt that was written off. The have been renlentless with a debt that is past the SOL.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I made a deposit at Citibank. There was a {$400.00} bonus for signing up and depositing {$15000.00} and keeping it in the account for 30 days. The bonus was promised to be in the account in 90 days after meeting the requirements. 

I fulfilled the requirements and when the bonus was n't credited to my account, I contacted them by email and by phone. By email, they wanted 30 days to " investigate '' and by phone they promised to take care of the matter and credit my account. Months passed, I called again and spoke to a supervisor who now claims the account was n't qualified or something or another.

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 2015-10-02 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I had fraudulent activity on my Citi credit card that I disputed in XXXX. I was issued a credit and received confirmation all had been resolved. Then on XXXX XXXX, 2015 I received a letter saying the transaction had been reversed. I immediately called Citi and was told the office that handles disputes was closed and to call back the following day. I did as instructed and called back. The agents I spoke with said the wrong department had handled my dispute originally and that another disputed had been issued with their fraud department and for me to expect a refund in approximately 2 weeks. Well here it is 2 weeks later and still no refund. I called them yesterday and was told that I had 15 days to respond to their letter and since I had not responded the matter was closed and there was nothing I could do. I explaine that I most certainly did call as soon as I revived the letter and the agent at Citi said no I had not and nothing else could be done. She would not allow me to speak with a supervisor so I 'm left no other options at this point other than to seek your help to gain resolution on this matter. 

Thank you, XXXX XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: Solidus Group LLC.
State: NH

Complaint narrative:
This complaint is being filed because I am concerned that I have been made victim of misrepresentation and that this company has taken my money ( because I authorized it ) and they have been very uncooperative in helping me find a resolution. I first started feeling this way because I was preparing for my records some 'Paid in Full ' statements from companies that I had become delinquent with. I had called one of the companies that I was trying to request said information and they informed me that I still owed money to the company and that my account was in fact not resolved. I recalled my financial records and it stated that I paid a lump sum of {$510.00} and remembered the call that I had received from this company. The call itself was left as a voicemail and the gentlemen on the phone said that he would be sending me a court summons if I didnt call to resolve this matter before a certain date. In a panic and being scared I called back instantly and tried to get this matter resolved. The same voice that left the voicemail answered and read me a line of information and then connected me with another man that took my debit card information and I set up a payment plan to try to resolve the delinquency that I had been in. Flashing forward to when I tried to get the documentation that stated I was paid in full the company told me that I had not paid anything. I then called 'Clear Credit Solutions ' and I was forwarded to a man who said he was in his car and was not at 'the office ' and he would call me back once he was. The gentlemen didnt return my call nor did he take my phone number for a " return call. '' I waited a few hours and called again, got a voicemail, left a message with my name and phone number to be called back. A few hours back I received a call from a gentlemen stating that he was forwarded my phone call to talk to me about the charges. I asked the gentlemen if he could tell me what the account was that I had paid of and he stated that he did not have that information but he had " an account number '' but no account information. When I asked if he could send me a receipt for my charges, the gentlemen sent me a word document that had seemingly just been typed up and for an amount that was incorrect, though I paid {$510.00} ( as per my bank statements ) the receipt was for {$510.00} I am not pleased with the service that I have gotten, I am not pleased with the fact that my money was taken because I was threatened into giving my money to this company and I am not pleased that there is " no access to my account information '' so that I have no idea what I paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX fraudulent Sears credit card accounts were opened using my name and address on XX/XX/2016. This complaint is for the XXXX of those accounts. Since I had never opened these accounts, I thought these were prepaid promotional offers so did not open the mail until yesterday. I received three pieces of mail into total - one piece of mail containing a new credit card for the XXXX account, and two for the XXXX account - an earlier piece of mail contains a bill, and a more recent bill contains the bill with a late fee.

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 2015-05-27 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I received my credit card statement and found a purchase in another state that I did not do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-26 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Had a credit card with Citibank XX/XX/2013. Citibank sent my account to collections agency and while still allowing me to make payments on the card. Never sent updated payment information over to the collections and reported I owed late fees and high interest rates. I obtained bank statements provided by Citibank to the collections agency that do not my payments and never received refund of my payments. Contacted Citibank and a representative was unable to assist. Citibank bank unnecessarily closed my accounts, failed to report my payments, and reported unnecessary fees.

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 2016-01-07 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Money stolen from Citibank account 2 times in a 3 day period through unauthorized ATM withdrawals. 
Bank failed to cancel ATM card after XXXX incident was reported. 
Bank has made me open at least XXXX separate investigations claiming system problems, to deny having an open investigation for the fraud.

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