vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-03 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Buckles & Buckles, P.L.C.
State: MI

Complaint narrative:
Buckles and Buckles, P.L.C. has wrongly made numerous attempts to collect on a debt, provided the court with untruthful information leading to a default judgment against me for {$10000.00} which I NEVER received service of. After I contacted Buckles and Buckles informing them I was the wrong XXXX XXXX and providing my social security card proving it did not match the social security number listed on account. Somewhat incredibly Buckles and Buckles refused to dismiss the judgment and more incredibly refused to properly investigate, maintaining their original position. Additionally, once i became aware of their attempt to tag me onto this debt, i sent them a letter specifically requesting proper validation. Buckles failed to provide any kind of legal documentation of any application.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Management Partners, LLC
State: PA

Complaint narrative:
I see a collection account on my credit report, which is not mine, so I try to contact them by phone so it was very hard to get through them anyway, finally, when I able to talk with them, they are not a helpful and thread me to mess my credit report and keep messing my credit report till I paid them so I write them a letter requesting VALIDATION of debt, After that they did n't respond to letters and take off from my credit report But since then they keep reporting on my credit report after every couple months I have to go and dispute then again and again to clean my credit report but they still on my credit report.

Company response to consumer: Closed
Consumer complaint received 2016-08-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
I purchased a car from a Chrysler dodge auto company with average credit. I received financing from Chrysler Capital for my car loan. I was told that my first year would have high interest rates but that after a year I could call and refinance after making on time payments and rebuilding my credit. It 's been over a year and I went online to refinance and Chrysler does not offer refinancing. When I checked my payments, which are over XXXX a month ( something I was uncomfortable paying and only thought a year at that rate would be fine ), most of my payments is spent to pay just my interest and not my actual car loan. There is no way that the amount of interest I am paying for my car loan is 1. Legal and 2. Fair. I feel like both the company I purchased the car from and Chrylser Capital are not being upfront about their charges, and also misleading with offering refinance when Chrysler Capital and its lead company XXXX do not offer refinancing. I was told that after a year I could get my payments lowered. I have made all of my payments on time but have also purchased a home for myself and my children and can not keep paying just interest fees for the next 6 years until my car is paid off. Sometimes less than XXXX is going to the actual loan and I 'm paying over XXXX a month. How is this fair or right and what can I do to get my payments lowered since I held up my end of the deal by making all payments on time and wanting to refinance my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Loan Science, LLC
State: IL

Complaint narrative:
I currently am paying a private student loan with XXXX/Loan Science, previously XXXX XXXX XXXX, and was out of full-time employment for seven months. After multiple attempts, they were totally unwilling to not only adjust my payment at the very least, but they were also unwilling to allow a forbearance, or deferment. As a result I have not been able to make payments, and they are dinging my credit constantly, and calling my home and my step-fathers ( co-signer ) home all hours of the day. I looked at an overview of my payments and since 2013 out of {$5500.00} paid, only {$230.00} has gone to the principal, the rest to interest and fees, its really legalized robbery.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Diversified Consultants, Inc.
State: NC

Complaint narrative:
The collection agency recently started reporting a collection account on my credit report. I have no recollection of ever doing business with the company they are collecting for, and requested a detailed itemization of the debt. It has been over 30 days, but I have yet to receive a detailed itemization of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Grant & Weber
State: CA

Complaint narrative:
These debts are from XX/XX/XXXX or XX/XX/XXXX. Should n't they have fallen off my credit report by now?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Loan Science, LLC
State: CA

Complaint narrative:
On XXXX/XXXX/2015 I filed a complaint with CFPB, Case # XXXX. Loan Science responded to this complaint and offered me a Loan Modification for my student loan. I accepted the Loan Modification and signed it and returned it to Loan Science on XXXX/XXXX/2015. In their response to my complaint, they stated that XXXX ( their Loan Servicer ) would have the Loan Modification processed within 10 business day. Well, it is now past 10 business days. XXXX processed only part of the Loan Modification. They reduced the interest rate to 0 %, they reduced my payments to {$410.00}, and set my payment plan up for 354 months ... BUT, they did not reduce my principal amount. Currently, on XXXX website it states that I owe $ XXXX still. I should only owe $ XXXX according to my loan modification. See attached documents. 
I called Loan Science to find out why this still is n't updated. They then did a conference call with XXXX to find out why it is n't updated. We had to talk to several different people and we were finally transferred to a Supervisor with XXXX who claimed that they did n't recieve the information from Loan Science to reduce the principal, only the information to set up the payment at {$410.00}, the reduced interest rate at 0 %, and the payment schedule of XXXX payments. And then XXXX mentioned something about taking the amount off after I paid for 30 years. I do n't think so, this needs to be updated now to reflect the information the loan modification states. 
Not only am I stuck paying for a predatory loan that I feel is n't fair but when they offer me some sort of relief, they still ca n't even get that updated properly. I am at my wits end. 
I spoke with XXXX very nice ladies today at Loan Science, XXXX named XXXX, and her supervisor XXXX XXXX who told me that she would have this resolved by Friday and that XXXX would have their website updated to reflect the reduced principal amount. Although she stated that this would be updated by Friday I still feel the need to file a complaint because I need to make sure I have record of this issue so that it 's not delayed any further. It seems I only have resolution when I complain on this website. I want to make sure the principal amount is reduced before I may my first {$410.00} payment due on XXXX XXXX, 2015 because I fear that if they do n't have the principal amount reduced, any payment that I make will get applied to the old principal amount and when XXXX finally gets around to updating to the reduced principal amount any payment I have made will get lost and then I will have an entirely new problem to deal with.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-31 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: LDF Holdings, LLC
State: MD

Complaint narrative:
XXXX in fees but the amount never goes down and now i am understanding the whole 700 % interest rate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: SUN LOAN COMPANY INC.
State: IL

Complaint narrative:
Sunloan is posting notices on my security door to apartment with personal info on it and releasing personal info to people on the phone when calling trying to get in contact with me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Peerless Credit Services Inc
State: PA

Complaint narrative:
XXXX XXXX XXXX not only did not verify my information other than a name before stating I owe money, next they refused to answer my questions about their validation process and immediately were rude informed me they would mark my file as refusal to pay which at no point did I state anything to that affect and I was told the file would be turned over to an Attorney. At no point did they listen to me or have any willingness to find a resolution

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: UT

Complaint narrative:
Chrysler Capital is reporting a Charge off on my credit, but it is not a charge off, it is current. Its affecting me from being able to refinance that car because it looks like it is a charged off repossession but it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
It is a charged off account but they are still reporting late payments, a payment due and a balance. This is inaccurate. I want the account removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I purchased a vehicle in 2010 for {$12000.00} and financed the loan through Santander Consumer USA https : //www.santanderconsumerusa.com/ after 5 years of making payments of {$310.00} a month they tell I still owe them {$9100.00}. I want to pay off my loan but it seems never ending.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 00:00:00
Product: Debt collection — Federal student loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Green Square Company LLC.
State: SC

Complaint narrative:
They have called my work place HR Dept and tried to get my SS # and threaten to garnish my wage. If they garnish my wage I could lose my job.

Company response to consumer: Closed
Consumer complaint received 2015-11-05 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: LDF Holdings, LLC
State: CO

Complaint narrative:
I received a loan from Send Loan for {$600.00} and was unfer the impression that I would only be paying back that amount plus some interest. I see now that they plan to debit my account every 2 weeks for {$190.00} until XXXX of 2016 which makes me paying back over {$4000.00}. There is no break down on the repayment schedule as to what is interest and what is the primary amount. Plus I can not get them to provide me with anything that would give me that information. I would have never taken out a loan that would require this type of repayment. Plus now I see that it is illegal to lend anything over {$500.00} in the state of Colorado. Please let me know what steps I can take to resolve this problem. 
Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc.
State: MO

Complaint narrative:
My ex wife purchased a car and it was financed by Santander which at the time of purchase Gap insurance was also purchased. There should be no balance left is which why consumers purchase gap coverage. I have disputed this account and requesting full validation and verification regarding this issue. Please help assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: DE

Complaint narrative:
Problem making initial payment - Received an auto loan from Santander Consumer XXXX XXXX. Got loan on XX/XX/XXXX and the first payment is not till XXXX. Having just finished with a bankruptcy plan I wanted to get payments started around XX/XX/XXXX. I called and they would not back up first payment date from XX/XX/XXXX and then I wanted to make a payment early and none of their automatic payment features allowed me to make a partial first payment ( except mailing a snail mail check ). Which I did and I have now already seen how consumer unfriendly this Santander finanical institution is and how high the fees will be to make a same/next day payment. So then I logged onto my XXXX XXXX checking account o start an auto debit through the bill pay and XXXX did not have them as a an available bill pay vendor and said they would have to send a paper check to Santander. Really? This is a big banking corporation - previously XXXX or another. The all seem to be in cahoots as they want you to pay a HUGE fee to pay a simple interest loan - in which every day adds on more interest. Really come on - this is not proper ; how are folks supposed to get on the right financial path when BIG banks continue to take advantage with huge payment fees. How is making a payment so expensive and not immediate debit/processing when paying your loan early or before a due date. I have mailed a check today XXXX and lets see how long it takes to post to my account.. I am very upset with Santander and XXXX ( since unable to autodraw from checking account ) while they have automated electronic check payments with EVERYONE. Account number XXXX Santander, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I am writing to complain that I have a basic checking account with Citibank for the past 5 years and they have been offering this thank you points program which my account is not even eligible for. I even have a thank you points account. I was told by the thank you points online chat that I would need to speak a customer service agent on the bank account side. I proceeded to do so and was told by the customer service agent that my account isnt eligible for thank you points since its basic checking. My question is why would you have a consumer who has been a good customer be set up with thank you points account and not give them points nor explain to the customer that they are not eligible yet they have an account for thank you points set up? If you look at the last page of the uploaded documents it says I have XXXX rewards and happily shows me that I have nothing? This does n't make sense?

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 2015-08-28 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
Called XXXX times in one day to collect a debt that is only XXXX days past due. I been contacted on both cell and home phones with messages being left.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Home Depot has charged off this account stating I have never paid. I have been paying the XXXX group since 2013 and would like for this negative information removed from all of my credit reports! I have attached the credit report along with the supporting documentation that I have been paying the XXXX group and have settled and will be payed in full 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 explanation
Consumer complaint received 2016-05-18 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
In XXXX XXXX I filed a complaint against Macy 's for gross mismanagement of my consumer credit account. The amount in dispute is {$2700.00} which I paid with official check in XXXX XXXX. Macys reversed charges in XXXX XXXX and in XXXX XXXX Macys admitted the matter was their own processing error following investigation by your bureau see [ Case number : XXXX ]. Macy 's acknowledged their internal error in writing and promised to take my account off their collections department calling list. With the matter still under dispute and investigation, and with full knowledge of their own internal errors, on XXXX XXXX, XXXX Macys posted negative statements to the credit agencies reporting the disputed amount with interest and penalties, as unpaid for 31-60 days. This immediately negatively impacted my credit report and my credit score dropped XXXX points within days. This matter is still under dispute and at the time of the negative reporting was still under federal investigation. Reporting it to credit agencies at this time and under these circumstances is malicious mismanagement of my credit. I demand Macys issue an immediate correction of this error on my credit report. Macy 's should not punish consumers for their own internal errors.

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 2016-10-24 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I was charged in error for items I never received and it took the company ( Sears ) several months to resolve and refund this charge. I took out a Sears card to purchase a washer/dryer that they never delivered/installed. I have a different mailing address than my residence ( safety concerns ) and I received the bill slightly late as I was not expecting one at all. I called Sears Citi Card immediately, and they told me I needed to take my concern to Sears, that the entities were entirely separate. I was not informed at this time that unless I contested the charge within 60 days of the first statement, I would owe late fees and interest. I was not told that this is the reason that they denied my request to remove the late fees, but I can think of no other reason. 
I struggled with Sears customer service repeatedly and was told they could do nothing. Finally I emailed the Sears executive office, they managed to discern that I was charged completely in error and refunded the charges. However, Citi Card informed me that I still owed the late fees. I circled back to Sears and once again was told they could do nothing. I purchased nothing, I wanted the card cancelled the moment I requested a refund, however was told that it could not be cancelled until all of the charges were cleared off. 
I have been dealing with this issue for 5 months now. It has been an unwelcome demand on my time and attention at a time when I have just moved and started a new job. It feels like I have to work very hard just to watch out for being victimized. These " late fees '' for no purchases, no activity, seems predatory.

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 2017-02-20 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
When I landed on the page to find more information about the CitiSimpilicity Card, there were some details of Terms and Conditions, but the webpage said to begin an application to find out more information. Because I was interested in transferring a balance, I began the application to find out more, only to find out that the credit limit I was applicable for was too low to transfer my entire balance from another card. But the company had already opened an account for me before I had the option to reject the credit offer they had offered to me. I do n't want the card because I ca n't use it for my intended purpose ( transferring the entire balance of my other card ), and when I called customer service, they told me they could n't stop my account from opening and that I have to wait until I receive the card and then close my account. I know this will hurt my credit score. I would n't have applied in the first place if I had had all of the information before being directed to apply for the card.

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