vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-24 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: CIG FINANCIAL LLC
State: FL

Complaint narrative:
I purchased a Chevy HHR for {$8000.00} and financed the vehicle through CIG financial in XXXX of XXXX. I made XXXX payments @ {$260.00} = {$4900.00}. My ex husband took over the car & payments as his name was on it and he could afford it. However, he made no payments. Sometime in XXXX, I started receiving harrassing calls from CIG, which threatened me with criminal action and incarceration for theft, although I was not in possession of the vehicle. The balance CIG claimed was owed on the vehicle was {$5200.00}. they claimed that the I had to pay not only the balance owed, but legal fees since they stated they had initiated legal activities against me and/or my ex-husband. They demanded {$500.00} up front, and monthly payments of {$250.00}. Although I am a single mom, with a child whose medical bills for XXXX totaled {$85000.00}, I took possession of the vehicle, paid the initial {$500.00}. I made XXXX payments @ {$250.00} = {$1700.00}. In XXXX, XXXX, I received a letter from CIG, offering to settle the account for a lesser amount, at lower payments. I immediately contacted them. the representative I had been working with, XXXX XXXX XXXX, tried to threaten and intimidate me into continuing with the original agreement. However, since CIG had offered me this agreement, I stuck to my guns and we changed the contract, so that my monthly amount was now {$160.00}. Although the payment was lowered, the amount owed was not reworked as promised. I made XXXX payments @ {$160.00} = {$340.00}, bringing my total payments to {$2600.00} + XXXX = {$7600.00}. In XXXX of XXXX, the vehicle was totalled in an accident. My insurance company, XXXX paid CIG financial {$2600.00} to settle for the vehicle. This makes the total paid out for the vehicle {$10000.00} I have since recieved letters from CIG Financial threatening me with legal actioin and claiming that I owe a balance of {$2800.00}. They have destroyed my credit, as they refuse to show that any payments have been made on the vehicle, and are showing it as a repossession ( it was never physically repossessed ). They said that even if I paid it off, it would remain so. They have further made XXXX unauthorized hard credit inquiries to my credit report, two within a week of each other. I am frustrated and at the end of my rope ; I do not know what else to do. I have been nothing but cooperative with this company. The payments I made after recovering the vehicle from my ex-husband were made as agreed ; none were ever late. This situation has caused me is XXXX ; I ca n't afford the {$2800.00} and I have no idea what I need to do to put a stop to this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Dyck-O'Neal, Inc.
State: TN

Complaint narrative:
For 1-1/2 yrs ( est. ) Dyck O'Neal Inc.- a debt collector ( Texas addresses ), has repeatedly left the following message : " We have an important message from Dyck O'Neal Inc . This call is from a debt collector. Please call XXXX. '' Always the same words spoken in the same female voice, left on our home voice mail. We ran a Credit Report and found no unsatisfactory ratings. No one has been trying to collect debt from us, to our knowledge. We 've followed advice to avoid communicating directly with the company, and are attempting a solution through the Bureau of Consumer Finance. [ I was distressed to learn that debt collection businesses are exempt from restrictions on telemarketing ( which is what this sounds like to us ) - i.e., it is legal for them to ignore the Do Not Call Registry. ] We are looking for an answer to this recurring annoyance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2017, I visited a gas station merchant, XXXX, whom I frequent to purchase gas. I always use my debit card w/PIN number to do so. On this occasion, the point of sale did not process, so I decided to try another pump and yet again, the point of sale did not process. I asked the attendant inside if there was a problem with the pump and that person indicated that he was n't aware of such. I then attempted to use another ( 3rd ) pump but again, no luck. I immediately contacted my bank via phone to determine the problem. The bank rep I spoke to advised that the gas merchant had placed FIVE holds on my account for each transaction, attempted or otherwise, in the amount of {$91.00} dollars. Yet, I explained that while that has not happened in the past and if even so in this case, I had the funds on hand well over the amount of {$91.00}, so why is the transaction not being process. I was then advised that since I made three attempts in addition to two other holds the merchant had on my account, totaling five, my account was now in a negative balance. I was completely frustrated and to no resolved could I get the bank rep to understand that this hardship should not have occurred since my account had the available funds. On XX/XX/2017, ( today ), I decided to investigate this issue further and found that by all accounts on-line, when a consumer uses a debit card with a PIN-number, a hold is not placed, or should not be placed on the consumer 's account since the transaction is immediate. Based on other reports, the instance where a hold is placed, the funds are made available within the hour since a PIN-number is used. Moreover, by all reports, the merchant is not responsible for holding up your funds, the merchant ONLY SETS the amount to be held. Thus, it is the bank that HOLDS the consumer 's funds. Thus, I immediately contacted my bank again to voice my concerns for their FAULT at withholding my funds and to vent my frustration as to why the bank did not allow my point of sale for the gas to process. I was met with resistance for resolve and even after speaking with a so-called supervisor, who YELLED at me, while no less agreeing with me that it was the bank 's fault, I am still left with frustration. I have also incurred an overdraft fee on my saving account in the amount of {$2.00}, along with the held-up funds of {$430.00} dollars, all of which I demanded be released and credited to my account expeditiously. I feel that I have a right to such, since the bank is clearly blaming the merchant and faulting me. Moreover, I had available funds to cover my costs and should not have even been subject to the pre-authorization hold since I ALWAYS use a PIN-number with my debit card. PLEASE intervene here and help me to resolve this issue forthwith.

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 2016-06-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: General Motors Financial Company, Inc.
State: LA

Complaint narrative:
I chatted with a rep from GM who is the lien holder of my car. I asked if they could tell me if the car had any repairs done to it by the dealership ( XXXX XXXX LA. ) before I purchased it on XXXX/XXXX/15. I was told that she could not give me that info.I have a right to that info. I purchased this car with transmission issues and other issues that was not diclosed to me at the time of purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AZ

Complaint narrative:
Hi. I purchased a new XXXX from a dealer on XXXX XXXX, XXXX. It was 72 month 0 % loan. First payment was due XXXX XXXX, 2015. I had also purchased an extended warranty on the car for {$1500.00}. Several weeks after the purchase I decided to cancel the warranty. The {$1500.00} was credited to my account on XXXX XXXX and my first payment was too. Since I am retired and on a fixed income ( SSN ) I wanted to lower my payment. XXXX says it can not alter the contract and can not change the payment, only shorten the time the loan is paid off. Is n't that altering the contract? It seems to me that they are altering the contract to meet their needs, not mine. I would like the new amount amortized over the remaining 71 months ( term of the contract is 72 months ). Anything you can do would be greatly appreciated ... sincerely, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, AZ XXXX XXXX # XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
I have a XXXX lien showing up on the Title to my home that I need subordinated in order to qualify for a rate & term refinance. I am trying to pay off my 2nd mortgage which was taken out when I purchased the property, and fix my adjustable rate on my primary mortgage. Both of my current mortgages were taken out at the time of purchase, in XXXX of 2005. This XXXX lien from Sovereign bank needs to be subordinated, and it benefits them to subordinate it. I have made all payments on it in a timely manner, and by subordinating the lien Sovereign moves into a 2nd lien position, & the transaction will provide me with less monthly overhead, freeing up money to ensure that I continue making the payments for the Sovereign lien ... Sovereign refuses to subordinate this 3rd lien and will not provide an explanation as to why ... It is advantageous for them to do so, and makes sense for all parties. I need to do this refi, and in order to make it happen I need them to agree to subordinate ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-20 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Santander Bank, NA had advertised a promotion on mass media for its XXXX credit card sometime in XX/XX/XXXX - XXXX XX/XX/XXXX time period. The promotion stated that if a XXXX customer charged {$1000.00} or more each month for XX/XX/XXXX, XX/XX/XXXX and XXXX XX/XX/XXXX the customer 's XXXX account will be awarded XXXX bonus reward points. I am a XXXX card holder and I liked the promotion offered so I decided to participate. For each of the XXXX months I charged expenses totaling {$1000.00} or more to my XXXX card. To make sure I had qualified for each of the three months I called Customer Service at Santander Bank after I received my billing statement and during each call the CSR ( Customer Service Representative ) assured me I had met the promotional requirement. However, when I did n't receive the XXXX bonus reward points I called CSR at Santander toward the end of XXXX XXXX to inquire as to the status. After several calls Santander Bank informed me that I had not met the requirement XX/XX/XXXX. My billing statement for XX/XX/XXXX did clearly show that I had over {$1000.00} in new charges. A Rewards Department representative then explained that the promotion required charges during the calendar month and not the billing month. This deceiving explanation totally surprised me and I strongly disagree with it because there is no easy way for the customer to figure out total amount charged during a calendar month. That is because a customer may execute a transaction within a certain month but if does n't get posted until the following month the bank may not consider it as having occurred in the month that it actually took place. This situation makes it almost impossible for a customer to make sure transactions are posted within a given month. For that the customer depends on the billing statement, which in my case has usually ended on the XXXX or XXXX of the month. 
For the reasons stated above I firmly believe that Santander Bank is exhibiting unfair consumer practice and CFPB needs to intervene on my behalf.

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
Consumer complaint received 2016-09-14 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Upon having my debit card rejected when attempting to purchase a coffee, I checked my account statement online which read $ XXXX. A check had been deducted from my account for {$40000.00}. I suspected check fraud, called Santander and was instructed to proceed to a branch. 
While at the branch, the tellers and I deduced that an ATM error misread my check for {$40.00} and, unfortunately, nothing could be done. I demanded that this be resolved as soon as possible as I needed gas to return home but was told that the check had to be cleared before any action could be taken. This could take up to 2 business days. I asked how this amount could be automatically subtracted from my account with no alert, whether electronically or by phone and the tellers could not provide a sufficient answer. The teller then advised that I should have a credit card as a back-up for gas and I should have downloaded the Santander app. The Santander app would have alerted as soon as the check was deducted from my account. The teller further indicated that if I had acted sooner, ie. in the morning vs. afternoon, this problem could have been averted. 
It has now been 24 hours and I still do not have access to my funds and my account remains to be $ 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
Consumer complaint received 2017-03-08 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
Being charged on an account that was closed in good standing. Purchased auto after lease. Paid in full. Never any missed payments No outstanding liens with the state it was purchased

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
Previous CFPB complaint # XXXX. Previously I advised that I returned my lease for my XXXX Chevy Cruze XX/XX/2015. I returned 3 months early due to many recalls as well as transmission issues. ( I was already on XXXX transmission after only XXXX miles ) Previously the CFPB case I opened told me that my account was closed, and I was even issued a refund for a payment. I am now getting harassed stating that I owe GM {$1700.00} for returning my lease. WHY would I owe money, after they had issued ME a refund check. This is extortion for money that I do not owe, and was told I do not owe. Please refer to the letter I received in my prior CFPB case. I also tried to call the person that wrote that letter numerous times with no reply. Every time I call GM, I am told they will investigate, and I do not hear back, or I get passed around. I do not owe this money, and if GM continues to pursue it, or if my credit gets affected in any way, I will seek legal counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: National Collection Systems, Inc.
State: IN

Complaint narrative:
Account is settled and I would like it moved from closed collections to removed collections. the collection company is National credit management.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: General Motors Financial Company, Inc.
State: VA

Complaint narrative:
I had a vehicle loan serviced by GM Financial on or about XX/XX/XXXX and made timely payments when I had a full time job until I fell behind due to having a lower paying job. I called GM Financial in XX/XX/XXXX and advised them that I wanted to do a voluntary surrender. They asked for where the vehicle was parked and I gave them the information. They did n't ask me to return the vehicle to any location ; instead they said they were going to pick it up, which they did. Instead of reporting on my credit report that this was a voluntary surrender, GM Financial has reported that this was a repossession. All am asking is that they report accurately on my credit that this was a voluntary surrender. If they had asked me to drive the vehicle to a location and hand it over, I would have done so, but they did n't.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
I received a check in the mail for about {$2000.00} and I deposited it in my account. My bank fulfilled the check 2 days later. I then withdrew a certain amount from that check and deposited it in another account. Another 2 days later, my balance is almost - {$1500.00}. It turns out that the check was fictitious and I was left to pay back money that was n't even mine.

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 2015-07-01 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc.
State: NE

Complaint narrative:
Leased a new vehicle from GM Financial. I asked to change the payment due date to later in the month when I received my next paycheck. I had made one payment at the dealership. The customer service rep told me that I had to make an additional payment prior to changing my due date. I have leased a car once before and this was not the case. This is an arbitrary rule that hurts the consumer. So because I decided to buy a car on the XXXX my payment is now due every month on the XXXX. Also the rep did not inform me that the call was being recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: High Point Asset Inc
State: MD

Complaint narrative:
High Point Asset Inc : They called a old work number and other family and friends and I do not appreciate that, they need to stop I do n't owe them anything and neither will they show me anything saying I owe them anything. STOP CALLING ANYONE OR ANYTHING HAVING TO DO WITH ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Debt Management Holdings LLC
State: WA

Complaint narrative:
I just got a phone call from " Credit Judgements '' saying I 'm in default for a payday loan I took out in 2012 from the XXXX XXXX XXXX. 
I have taken out a payday loan in the past, but I 'm pretty sure that it was paid. 
I explained to them that I have never gotten anything in the mail and I asked them to send me information so I could research the validity of this claim. They refused to send me information and that I could take care of it with a credit/debit card or if I did n't do that, I would have to wait for a court summons and get an attorney if I wanted to fight it. 
Again, I asked for proof of debt to be emailed or mailed to me and they would not send it. 

Company name & address : Credit Judgments XXXX XXXX XXXX XXXX, NY XXXX Contact : XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Santander Bank charged me {$3.00} paper statement fee even though I chose paperless statement during account opening. Apparently they removed my email address on file and since they do n't have XXXX they opted for paper statement without telling 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 non-monetary relief
Consumer complaint received 2016-12-12 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Williams, Alexander & Associates, Inc
State: FL

Complaint narrative:
WAASSOCIATES ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX 15 years in business XXXX XXXX XXXX XXXX, XXXX XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you WAASSOCIATES or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : WAASSOCIATES or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation