vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-23 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I requested an increase in the credit limit for the Costco Citibank Visa account and was turned down due to " because of the total amount that you owe '' ( see adverse action notice attached ). My request was to purchase a large item from Costco that exceeded my limit that was established. I owe no creditor anything other than current 30 day charges as is evident on my credit file ( attached ). I am a multi-millionaire XXXX and XXXX for a large bank. 

I believe that this is age and source of income discrimination.

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 2016-01-12 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hello! My name is XXXX XXXX with address XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX. I have a problem with Citibank Sears Credit Card. They offered me a Zero percent interest balance transfer with a fee that I agreed for the transfer. When I received my statement of account, they started charging me with 3.99 percent APR. When I called the company, they told me that when I encashed their check, it was a 3.99percent APR. I told them based on my coversation with their agent over the phone he offered me he offered me 0 percent APR. They told me 3.99 percent was for longer payment period and and 0 percent was for a shorter period. Since this communication was not clarified with me by the agent, I was requesting the APR of 0 percent with shorter payment period. When I called and talked to the manager, he said he can not change it. It was the fault of the agent for not clarifying with me the transaction.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-21 00:00:00
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
Ocwen was in receipt of a notice to correct an error on my loan for clear errors regarding the unlawful start of a foreclosure before sending a 45 day pre-foreclosure letter. Ocwen received the notice to correct the error on XXXX XXXX, 2016 at XXXX XXXX, Owen 's automated response system sent me an email response on the same date and time stating thanking me for my request. Ocwen claimed to be reviewing the information and stated that they will respond quickly as possible. If additional information was needed, they would contact me. On XXXX XXXX, 2016, Ocwen mailed out an acknowledgement letter stating again that they received the correspondence. Ocwen said its goal was to complete all research and provide a written response to me within ( 10 ) business days from the date of the receipt of the letter, but it could be 30 days. When the 10 business days passed, Ocwen was contacted by my wife regarding the pending sale on the property for the status and inquired about the investigation into the notice to correct the error. Owen 's representative said that the research was ongoing and that the sale had been cancelled. We noticed that the trustee was still advertising the property for sale and we inquired with them and found out that the sale was not off. Ocwen on a later date informed me that the sale was in fact canceled through a call with my resolution manager, but just 30 minutes or so before my appointment time with my resolution manager, the attorney for the trustee sent over a message stating the sale for XXXX XXXX, 2016 was still scheduled. We decided on XXXX XXXX, 2016, after failure to get fair, non discriminatory treatment from Ocwen and its agents, we filed a fair housing complaint based on what we feel is racial discrimination. On XXXX XXXX, 2016 contrary to information that we read on the CFPB site regarding a Notice to Correct an Error, Ocwen sold the property before sending a written response with supporting documents that no error was found.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I do not know of this collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: APPLE FINANCIAL HOLDINGS, INC.
State: NY

Complaint narrative:
To Whom It May Concern, I would like to call your attention that when I was reviewing my statement I realized that I was charged {$2.00} 12 separate times. I went to Apple Bank and to find out why I was charged and the Apple Bank accountant there explained to me that every time I use my debit card I will get charged {$2.00}. She also told me that I have to tell any store where I 'm using my debit card that it 's a credit card and sign immediately without putting in my PIN number so I can avoid the {$2.00} charge. Although, on my debit card it says DEBIT on the bottom and I was never informed about this {$2.00} fee when I opened my account. My family members all carry debit cards and they use it without any fees or charges. I want to know what the rules and regulations are when it comes to using my debit card and any fee that comes along with using it. I am being ripped off by this bank. 
My name is XXXX XXXX XXXX and the Apple Bank branch is on XXXX XXXX XXXX, XXXX, NY XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-31 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CITIBANK, N.A.
State: RI

Complaint narrative:
We purchased a ring at Zales on XX/XX/XXXX. They had an 18 month XXXX interest financing promotion so we decided to take advantage of it. We financed {$6900.00}. We had an auto pay set up with Zales/citibank, they told us that they would notify us in writing when the promotional rate was going to be over so that we would pay the balance off in full. On XX/XX/XXXX, they call us and say that we owe them money and that it was a collection. We were shocked as we had been paying through autopay all along. Then they tell us that we owe an additional XXXX because the promotional rate expired. We told them we should have been notified in writing when the promotional rate was going to expire so we could pay off the balance and when our auto pay would cease. This was never disclosed to us when we purchased the ring. The promotional rate when we called expired on XX/XX/XXXX. They do not give appropriate disclosure regarding financing and it is a big issue trying to get in touch with someone to help resolve this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: DC

Complaint narrative:
I applied and was preapproved for a loan online XXXX/XXXX/16 with RoadLoans.com ( Santander Consumer USA ). The loan had a 10.70 % interest rate, with a finance charge of {$13000.00}, to finance {$38000.00}, with a for a maximum loan of {$52000.00}. This is a XXXX % Loan to Value ratio. The dealer associated with this preapproval was XXXX XXXX. My credit score is XXXX, not bad, not great, but I believe just above sub-prime. I later scheduled an appointment with a dealer named XXXX on XX/XX/XXXX through Roadloans.com. I never went, and did n't ask them to run a loan for me. On XXXX/XXXX/16 I received notice I had been declined for a loan by Santander and XXXX XXXX XXXX XXXX XXXX. I did n't authorize them to run a full loan for me, and in fact told Santander, which called me on at least 4 occasions, that that I was not interested and had found a better loan. I bought a car through a different dealership which offered me a 1.9 % interest rate -- dramatically different. People should know that they can get better loans than from Santander.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Neighborhood Title Loans I
State: TN

Complaint narrative:
XX/XX/2015 I took out a title loan with XXXX XXXX XXXX at XXXX XXXX XXXX XXXX in XXXX Tn for {$2500.00}. It was not explained that the monthly payment of over {$500.00} was not paying back my loan. This is the interest that they charged for the loan!! I feel the loan should be explained to where you understand how much your payments are going to be. I have paid several payments on my account and it does not seem to go toward the loan itself. I have received multiple collection calls daily several times a day wanting money I can not afford to keep paying toward a balance that does n't seem to be lowering. I feel I have been taken advantage of and that the title loan place was only wanting my truck. They set you up for failure by charging such high interest. The loan place also gave out my information to a family member even after I ask them plainly not to discuss my loan with anyone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: WA

Complaint narrative:
Per Santander they agreed after researching that they failed to send out the correct information for a deferment and end the paperwork out to correct email. The manager stated at the time that he would remove it from the credit and when I received the call back from the company they stated that was never agreed on and when requesting to hear the call they stated that I would need my attorney to request the call. They will lie and break FDCPA and FTC laws to get what they want for payments!!! Illegal acts.. I will be filling an complaint with my local attorney general to make sure this is resolved if you had nothing to hide then you could have played that call for me but you know that manager stated that he would remove it from my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
I have a auto loan with Santander Consumer USA, originally brought by XXXX. My issues is when I had failed behind my payment back the later part of XXXX due to I was laid off but I did get my account to current in XXXX XXXX. At that time, I asked the representative if I pay my balance will that restore my account back to good standing and that it will be reflected on my credit report and updated. She said yes it will. On my credit it showed chargeoff and the representative stated that it will take about 5-7 business days for XXXX will update my credit so it will not reflect the charge off. Since I had brought my account to good standing and making my monthly payments on time, I just happen to look at my credit report a couple months later and I still see a charge off. I called XXXX and explained to them of what 's going on and the representative apologize and stated that she will sending a message to the credit department so they can get that updated. I was like ok, maybe something was crossed up in the system the first time of why it was n't done. I checked my credit again a month later and the charge off is still listed but it does show my payments has been reflected on the account. I called XXXX again and she transfer me to the credit department. The young lady then tells me that my account has been restored back to good standing and they see where I 'm making payments on time but the chargeoff will remain. I told her that do n't make sense and they still sending me monthly statements each month for my payment and also shows the payment receipt. Also I 'm about to obtain my payoff information. I told her that is not best business practice b/c even my account is showing good standing it should be reported to the credit bureau in good standing instead of it showing collections/charge off. This has been a negative impact on my credit big time and this company is not truthful and is not operating legally when it comes to consumer accounts of reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-19 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Grant & Weber
State: CA

Complaint narrative:
To sum in up apparently during computer and many other changes that the XXXX XXXX were implementing me dical bills fully covers by my then under XXXX XXXX XXXX son are now in collections and adding great stress and loss of living and vehicle purchasing needs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I have had the same issue for over 8 months. 
When you pay online it never shows as a pending payment. In XXXX I first told the office of the president and they had to credit me back for a XXXX payment. I have been dealing with XXXX XXXX and XXXX XXXX. 

Until the payment posts you receive emails indicating that the payment is due and you continue to get reminders. When you go online you can not confirm the pending payment. Customer service can not see it. You have to call the complaint department for them to see it. They tell you the same thing we will IT know. 

When you make a dispute, they call you back in a few days and then note it has been resolved even when you have not spoken to someone since the initial complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: Synovus Bank
State: AZ

Complaint narrative:
I made an electronic check payment on XXXX XXXX, 2015 to First Progress for a secured Mastercard statement that was due on XXXX XXXX, 2015. I paid $ XXXX.This included a {$10.00} service fee for using customer service. The checking account that was used for payment was incorrectly inputted, with an erroneous " XXXX '' added at the end of it, which consequently resulted in the payment not going through. A week later, today XXXX XXXX, 2015, my card was declined at a XXXX. Upon contacting customer service, I was notified of this error. They refused to reverse any charges that occurred, including a {$38.00}, late fee, plus possible interest fees and returned check charges. 
I do not feel this is ethical on First Progress ' behalf. They at the very least owed me a phone call notifying me off this fact immediately, so that it could 've been rectified. I no longer wish to do business with them and request they reverse the late fees and any negative credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Green Square Company LLC.
State: TN

Complaint narrative:
Premier Recovery Group ( also call themselves PRG ) call me at least once a day telling me I owe them money for a payday loan I supposedly took out. They continue to call me from several different numbers and say they will mail me validation of debt which never comes. This has been going on for at least 90 days now/

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 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 paid my vehicle loan company ( Santander consumer USA/ Drive Financial ) through my banks XXXX electronic funds transfer system on XXXX XXXX. XXXX XXXX I received a voice mail message stating that my car note was late. I immediately called the etrade who gave me a confirmation number provided to them from Santander. I then called Santander and was told that even though I had a confirmation number I would need to submit a copy of my bank statement showing the said transaction. I sent my bank statement on XXXX XXXX and an additional document showing all of my bill payments to Santander. After Santander received the documents I was told they were insufficient and I needed a copy of the electronic funds transfer or the check that etrade sent to them. I called etrade and was told that they have no way to provide me with either piece of documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
My finance company refuses to automatically debit my banking account despite being authorized to do so. Their " policy '' is that it was past due. It was past due because they failed to debit the account before it became past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: OK

Complaint narrative:
I have a car loan with santander consumer USA. I have had my car loan since XX/XX/XXXX. I have been paying ontime until i lost my job. I called santander and notified them of my job lost. Some of their representatives were very rude and did not offer much help or options. I was never offered a lower payment plan or forberance. All they wante dwas their money. The company claimjed they tried to call me several times which i never received calls fron them. They repossessed my car without notice no mail no phone call and on the weekend. I have been trying to work with them and all they are is rude and would not work with me.My experience with santander has been awful.This has been an expereince from XXXX. they knew I had lost my job. I did not have an issue with paying them, I was trying and have been trying to work with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-22 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 was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2010, XXXX 2010 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-09 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: MI

Complaint narrative:
a car was surrendered XX/XX/XXXX and sold in XX/XX/XXXX so the debt was settled when they accepted the money for the car. I feel iI should n't have this on my report. it should have been gone when the car was sold in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
MIDLAND CREDIT SERVICES ARE REPORTING INACCURATE INFORMATION REGARDING ME TO XXXX AND OTHER CREDIT REPORTING AGENCIES. THEY DO NOT HAVE THE RIGHT TO PLACE THIS DEFAMING INFORMATION ON MY CREDIT FILE AND I AM REQUESTING PROOF THAT THIS ACCOUNT WAS OPENED BY ME AND WHAT CHARGES INCLUDING ALL RECIEPTS, DATES, AND SIGNATURES TO SHOW PROOF THAT THIS IS MY ACCOUNT AND PROOF THAT THEY HAVE ANY RIGHTS TO PLACE THIS ON MY CREDIT FILE. I WANT THIS REMOVES IMMEDIETELY AND RESOLVE BEFORE I PROCEDE TO HIGHER LEGAL AUTHORITIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 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 bought a truck at XXXX XXXX in XXXX XXXX AZ, told the dealer I wanted a truck smaller than my 1 ton dodge ram and cheaper, with interest ate at below 3 % because I could n't afford more and better on fuel, I told them I could n't read the contract so I would have to trust them, they ended up giving me a truck that was more expensive t truck cost over 33,000 plus I put down XXXX on top of that totaled was around38,000 and with a interest rate at 24 % then they told me to tell finance company I made XXXX, little did I know, I left and had some one read the contract it was way of base, I waited 10 days to call the fianc company, dealer said they will call with in 10 days, they never did so I called them told them what happened and they said I signed it ad nothing anyone will do., told both company 's I could not afford the cost or did n't make that kind of $ {$.00} so now there trying to repo it. I have spent a lot of $ $ and need help getting this back or gov going after the practice. they both refused to cancel it. lost more to it, the finance company is in XXXX XXXX. it was pure fraud on dealers side and fianc side pure gread

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Credit card — 
Issue: Overlimit fee — 
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I opening up an American Express card account with my husband as an additional card holder. He was the only one who used the account. He handles our finances and when he logged on to the account, he checked the amount due and paid the entire balance as was noted. The next month, we found that Amex had charged us an interest fee of {$29.00} because there was an annual fee of {$190.00} and a credit of {$100.00} that was charged to my card. These charges did not appear on the account when my husband checked and paid the balance a month earlier. I called Amex and asked why these charges did not appear when my husband checked the account balance and was told that only the charges to his card were reflected when he checked - though that information was not noted when the account balance was displayed. I told Amex that that was a very poor policy and it resulted our being charged {$20.00} on a {$95.00} inadvertant underpayment - an effective interest rate of over 250 %. I asked that Amex waive the interest fee. They refused. I then asked them to cancel the card and refund the prorated portion of the {$190.00} annual fee. They canceled the card but refused to refund the fee though it had only been charged a month earlier. I have two complaints : 1. I would like a refund of the {$29.00} interest rate charge since the Amex account balance website was misleading and failed to advise my husband that not all account charges are reflected in the balance due which resulted in an underpayment of {$95.00} on the {$1400.00} bill that was paid. 
2. I would like a pro-rated refund of the {$190.00} annual fee that was charged XXXX/XXXX/2016 ( the card was cancelled on XXXX/XXXX/2016 ). Since it is an annual fee, and the amount is significant, I should have a refunds since I will not be given any access to any of the benefits from this fee once the card was cancelled.

Company response to consumer: Closed with explanation