vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-17 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
There has been an issue with my Citibank account that I 've had with them for 3 months. I was mailed this offer by them that clearly stated that there was 0 % Intro APR for 18 months on balance transfers and purchases, however, I 've been charged interest on the card for my purchases, when it, again, clearly states that I was to not be charged interest for 18 months. When I called them, I was told that no interest was only for balance transfers and not his purchases, and AGAIN, the mail that I was sent by them STATES " 0 % INTRO APR FOR 18 MONTHS on balance transfers and purchases ''. I was then transferred to a supervisor who was literally no help at all, and who had the audacity to telle that in order to fix THEIR problem, I needed to mail in the letter that THEY sent. I 'm not really sure how that even makes sense, considering this was an offer they mailed out, not something that I made up. I got so fed up with this nonsense that I ended up paying {$2200.00}, along with another XXXX something dollars in interest which he did n't even have to pay for another 18 months, and closing my account with them. This was incredibly fraudulent of them. They are practicing false advertisement.

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 2016-12-07 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
My ex-wife opened an account under my name only, the company allowed her to open the account, and ran the debt up. Upon our divorce, the debt collection agency has refused to contact her about the debt and has resulted in a lawsuit against me.

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 2017-01-23 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: NM

Complaint narrative:
When Costco changed from XXXX XXXX cards to Citibank Visa, the balance from XXXX was switched to Visa without notice. When first Citi Visa statement was received, there was a late fee. Several other friends/relatives had same experience. Just received latest Citibank statement that included late fee and interest. Our bank transferred funds to Citibank XXXX/XXXX/17 as the statement had XXXX/XXXX/17 due date. Customer Service rep said the bill was actually due XXXX/XXXX/17 in spite of due date XXXX/XXXX/17 being clearly printed on statement. They reversed charges upon complaint, but many customers wo n't bother to complain. Believe Citibank practices are a scheme to defraud customers. Fraudulent business practices likely result in many XXXX of dollars loss to customers annually.

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 2015-07-14 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. XXXX. in XXXX and XXXX XXXX constantly tried to solicit money from me or they would sue me and take whatever they could to satisfy the debt even if it was everything i owned. After months of harassment they forced me into signing a repayment agreement and a Confession of Judgement. I think I was cohereced into something thats not right or even legal. They have been aggressive and abusive with their constant threats of wiping me out if I did n't agree to sign papers and send them money. So I finally did, I think this type of threat and coercion may be illegal and I ask for your help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
CBNA/ XXXX made an unauthorized hard inquiry on my XXXX credit report and have refused to delete it following my formal request by letter.

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 2015-08-05 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
On XXXX XXXX I received an email fro XXXX XXXX that I had a delinquent account. I found out from their web site that the account was with THD/CB, which means The Home Depot / CitiBank. 
Home Depot Credit said the XXXX statement was returned to them by the post office. No attempts were made to contact me at all., I asked why, and the supervisor told me they do n't, legally, have to do it. They said they blocked my account and that if I had gone into the store and tried to charge something I would have known that. I do n't, very often, shop at Home Depot. 
While on the phone with the supervisor I paid the balance of my account, {$130.00}, and figured everything was OK. I asked them to remove the delinquency from my account and they told me they would not do that because it was not the bank 's fault the payment was late.I wonder how long it would have been if XXXX XXXX had not notified me of the problem. 
We spend half the year in XXXX and the other half in XXXX, I always fill out the " change of address '' form at the post office, that rarely works smoothly. But I received and paid my XXXX, XXXX, and XXXX bill from Home Depot Credit. 
I have NO idea why XXXX 's bill was returned to Home Depot Credit, and they wo n't prove to me that it was. 
I have since talked to many of their " supervisors '' as well as all three credit reporting agencies. They have contacted Citi Bank to see if they could change the status of the delinquency, but they refuse saying it was not the banks fault and I should have been paying on that account even though I was NOT receiving any monthly statements. 
I was told by one supervisor that they do n't have time to " chase down '' everybody that 's late paying their bill. Another told me it would take " a skyscraper full of people '' to contact people who have problems with their account. This ca n't be true because 3 yeras ago Sears Credit, also handled by Citi Bank, called me via robot computer and told me to call customer service about my account. I do n't recall what the problem was but it was solved then and there, they said they reach out to their customers as soon as a payment is late. 
I called 4 other credit card companies, and they said the same thing, but not Citi Bank. It seems as though they are just trying to cover up some mistake they made, the did send me a check for the late fees that accrued. 
I now have a " black '' mark on my otherwise perfect credit reports of about 40 years. This is devastating to me because I 'm real proud of my credit history, now it 's messed up because of this mess. 
I 've contacted a Consumer Law attorney to see what my options are and I 'm not going to give up until CitiBank corrects their mistake.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-24 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Synovus Bank
State: GA

Complaint narrative:
I, AM XXXX XXXX XXXX HAVE A LOAN WITH XXXX BANK, AND THEY REFERED IT TO THEIR MORTAGE COMPANY, SYNOVIS BANK. THAT WAS ALRIGHT, THE ISSUE IS I OWE SOME PROPERTY TAX ON MY HOME AND MY DAUGHTER XXXX WAS PAYING THEM, SHE WENT AND PAYED SOME OF THE TAX, BUY THE TAX COMMISSIONER WROTE AND OR CALL THE BANK AND TOLD THEM HE WAS PUTTING MY HOME UP FOR SALE THE BANK TOOK ON AND PAYED SOME OF THE TAX, THAT WOULD HAVE BEEN ALRIGHT BUT I DID NOT AUTHORISE THE COUNTY TO DO THAT OR I DID NOT SIGN A RELESE FORM FOR THE BANK TO TAKE ACTION, I WENT TO XXXX BANK AND TALKED TO THE BRANCK MANAGER, AFTER I DID NOT HEEAR FROM HIM, I WROTE A LETTER TO THE BANK AND SENT A COPY TO XXXX XXXX THE TAX COMMISSIONER FOR XXXX COUNTY, WAS IT RIGHT FOR THE BANK OR THE COMMISSIONER TO TAKE ACTION WITHOUT MY INVOLVEMENT I WOULD LIKE TO KNOW, WHERE I LIVE THE COUNTY AND THE CITY OF XXXX, EXTENDED THE JAIL HOUSE IN OUR COMMUNITY AND I ASK THE TAX AJUSTER TO COME OUT AND RE EVAUL MY PROPERTY THAT NEVER HAPPER. 
I APPLIED FOR HOME OWENER TAX RELIEF THAT WAS NOT GRANTED, IAM XXXX ON A FIX INCOMEAND WHERE I LIVE THE ONLY SERVICE WE GET IS FROM THE CITY THAT IS WATER, AND TRASH PICK UP IF YOU WILL HELP ME UNDERSTAND IF THEY ARE RIGHT OR WRONG I WILL APRECIATE IT. 

SINCERELY XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Loan Science, LLC
State: CO

Complaint narrative:
I had a private loan that was consolidated in XX/XX/XXXX to Loan Science from XXXX XXXX. My cosigner and fianc died XX/XX/XXXX, the company worked with me on lower payment plan for the last 8 years. I was not aware that they would suddenly decide to stop offering a lower payment plan, or that once I had to pay the full payment, which is difficult as I care for my XXXX mom and still recovering from the sudden loss of my fianc, would be XXXX % of the payment would be going to interest, and that the interest rate would cripple me for the next 25 years. Private student loans are predator, and I feel as if I have been prayed on. With the current payment, I am barely able to provide for my family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX and I current, y have a major issue with the Credit Reporting being done by Santander USA. I currently opened met loan with them in XXXX. Since then myself and my husband have only had XXXX ( XXXX ) late payment being reported as of XXXX. At that time I truly was n't 100 % sure it should have been reported because I truly paid it on the XXXX, which would be 30 days not 31 days. Now that I have disputed that late reporting, for XXXX there now stating they have found more. Since, they want the best thing for my interest the are not going to add the additional payments. My dispute I have is I call in number out days prior to making my payments, and also ask the Customer Service rep to please confirm my payment will not be late. Now there coming back with all this false data. Any other type of loan I have you can still pay on the date your payment is due prior to cut off time for the company.. Can you please tell me who I can speak to in regards to getting assistance with this matter.. I am in the process of refinancing my home and this is a major impact that they have been reporting incorrectly as well as updating the bureaus incorrectly. I have proof of that as well ... I want to know how can a creditor report you late on the XXXX day and give Customers 30 full days. They are not following the full statement from the Credit Breau ... Now they want to threat me that if I continue to question them they will add all incorrect information that had previously reported correctly ... 

Can someone please call me first thing tomorrow @ XXXX this is very urgent. 
Thank, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
My problems began with Santander Consumer USA on XX/XX/XXXX the day I signed the loan contract. I then discover that the dealer ship that did my finance paperwork XXXX put the wrong date that the loan was effective. The put that the loan date was on XX/XX/XXXX which is fraudulent. I tried on numerous occousions to get Santander to correct this but of course they did n't. Fast forward to XX/XX/XXXX thats when I started getting the billing issues. Keep in mind that I never missed a payment and according to the loan contract if i was ever late with a payment the late fee was XXXX for each occurrence. Also the monthly payment amount that was stated in the loan contract was XXXX. In XX/XX/XXXX they have sent me a bill for XXXX almost triple my car payment, In XX/XX/XXXX they sent me a bill for {$560.00} again almost triple what my car payment was supposed to be. As you can see in the statements i keep sending in my regular car payment but I never got proper credit for it. I called them on numerous occousions for them to correct the issue but they never did. The billing situation got so bad that i was forced to let them come get the car you will see this in the billing statements. After the voluntary repossession which happened on XX/XX/XXXX they did not send any of the required documents via certified mail that i was supposed to have received. Occording to North Carolina law i was supposed to have received a certified notice to how many days i had to pay off the vehicle before it went to auction, never received that. Also after they auction off the vehicle i was supposed to received another certified notice saying how much they sold the car for and how much i still owed on the car. Never received that either. So that alone makes this very unethical and possibly an illegal action. After the reposation and the selling of the car i would get harrsing phone calls non stop on a daily basis from Santander saying one day I would owe XXXX on the account then the next day they claim I owed XXXX and so on so. The amount they claimed i owed was very inconsent.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Our loan servicing was purchased by Ocwen XX/XX/XXXX. Shortly thereafter they started to impound our account for both taxes and insurance. Impounds have never been part of our loan agreement. When I called to question why they are charging impounds, no one could answer my question for the XXXX few months since my loan docs were n't uploaded to their system. So, they did n't have my loan docs, yet they were impounding my account. And of course, it cost me valuable time and many phone calls to finally have them read our loan docs and realize their error. 
Then, they did it again in XX/XX/XXXX by paying our property taxes and impounding our account. Again, without telling us and again not part of the loan docs. And again putting me through the hassle of getting this taken care of. They have been a disorganized mess from Day XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-12 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Grant & Weber
State: AZ

Complaint narrative:
I went and checked my credit and, saw that Company : GRANT & WEBER Account # : N/A Balance Amount : XXXX Status : Credit Report Collection but, they had NEVER contacted me first. It was a Medical Debt from XX/XX/XXXX and, ( did not know about it ) XXXX XXXX ( without contacting me ) then on a different part of the Credit report states it was XXXX XXXX Hospital for {$1400.00}.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: MN

Complaint narrative:
I purchased a XXXX XXXX XXXX in XXXX a lienholder title state in XXXX of XXXX, than moved to XXXX a title holding state and registered the vehicle in XXXX of XXXX. I subsequently refinanced with another company car finance capital who is requesting the original title " XXXX '' for some reason Santander consumer consumer sent a copy to XXXX but can not produce the title for a reason unknown. I would think that as the lienholder they would have the original title but they " Santander claims that I supposedly have it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11 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 gave santander consumer usa the vehicles back i agreed to not challege the guy when he pick up the vehicles. I have since started to pay some of the money back i pay them XXXX dollars per month. I m a retired postal worker XXXX dollar is all i can afford at time. the problem is the account is a charge off account. Every month they are still putting a negative report on my account. this account was charge off in XX/XX/XXXX.By law can they continue to give a negative every month like they are during.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
Since my auto loan conception, my payments have been paid in full and upon review of my credit report, the submitted payment of $ XXXX/mo. has been reflected as $ XXXX/mo.. Although it does not indicate any form of past due balance nor negative/derogatory information, I would like to request that this be adjusted for accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: APPLE FINANCIAL HOLDINGS, INC.
State: NC

Complaint narrative:
Apple bank closed my credit card without my authorization. When new card was sent out, which I did not receive. Several unauthorized transactions totaling over 18,000 dollars were made. Report of unauthorized atm/check card was made but bank took not further action. Two years later I still have not heard from the bank. To this day, I still have not received a dime from the bank.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
On XXXX XXXXI purchased a XXXX XXXX from XXXX XXXX in which Santander financed ... I made payments of {$300.00} each month thereafter ... XXXX XXXX I traded the XXXX XXXX for a new XXXX XXXX ... a few days afterwards I received a XXXX from Santander. I was confused as to why I was receiving this so I contacted Santander. I was referred to several departments and after finally talking to someone I was told they would have to research it and get back with me in 7 days ... .after 7 days I never heard from anyone so I contacted Santander again only to be told that it was an issue that needed to be handled by the IRS ???? I feel like I am being given the run around ... .according to the XXXX the event took place XXXX/XXXX/XXXX for XXXX ... the only thing happened in XXXX was my normal monthly car payment. I feel like Santander submitting false information to cover their company. The VIN listed ( XXXX ) is referencing a car different from the car I financed with Santander ( XXXX ) is the VIN for the car I have been making monthly payments on for the last year ... I ca n't understand why I am penalized for making payments. I am a victim of fraud. I really believe this company should be investigated to see if they have been giving others XXXX to cover their financials.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
I have a car loan and I had a accident with the car and the injurance gave me the check for the damage to send to the bank were the bank deposit the check into my loan. Then they took the money back to pay the repair shop since then the amount on my loan is not correct and I contact the bank and they hang up the phone on me and last time I spoke with someone on chat the person did n't want listen I try to explain that the loan since they did the deposit with the accident check is off XXXX and monthly payment is no longer same.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Santander Consumer USA Holdings Inc.
State: AL

Complaint narrative:
many telephone calls from some guy calling himself XXXX XXXX at XXXX extension XXXX. He said he 's collecting for Santander and I told him I had never had an account with Santander and do not have an account with Santander and he threatened me. Said if I did not give him personal information that he would just keep trying to get payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
( SANTANDER CONSUMER USA ), continued attempts to collect debt I do not owe. 

I have disputed ( SANTANDER CONSUMER USA ) account number XXXX because the debt is not mine with the XXXX credit bureaus on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. But to no avail the item remains on my report. 

( SANTANDER CONSUMER USA ), has not provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
24 % interest rate high pmts refuses to help when i try and talk to someone refuses to allow me to speak with collections calls XXXX or more times a day when asked to stop very rude and demanding money has repo order on car even after i pay whst i can

Company response to consumer: Closed with explanation