vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-14 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:
My car was illegally repossessed by Santander. They requested that I send {$1000.00} to stop repossession. I sent the money they requested the same day. Approximately 2 weeks later during the late morning hours, they destroyed private property in repoing my car. Left visable tire marks that caused XXXX miles of black tire marks on the road way too. I made contact using my phone and there was a block. I tried several times to log in to my account and was blocked as well. I used my husbands phone and was able to get through to a man named " XXXX ''. He came up with a quote of {$2700.00} that had to be paid before they would return the car. XXXX XXXX would not tell me who repoed the car and that I would also have to pay {$150.00} storage fee. I advised him that I did not owe them any money and that I needed to get my personal property from inside and in the State of Georgia the vehicle tag belongs to me not the car. He would not advise me on how I could get my personal effects from the car and under Georgia XXXX they have to notify me. As of today I have n't heard back from Santander to retrieve my personal property that has to deal with my child 's school, my work and my husband and I 's marriage belonging from state government. 
Please help me in making sure my personal belongings can be returned to me. The Tag is a government issued tag that is very sinceitive in nature. That you for your time and help. 
Also my husband is a XXXX XXXX XXXX XXXX that was injured by a roadside XXXX in XXXX. Respectfully

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 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: MA

Complaint narrative:
Car totaled! Company did n't pay bank all that was needed to clear the balance off of my credit balance report. Car company owes the car insurance that we paid for during the loan of the vehicle. And car insurance did't pay off for the rest of balance. I have full, total car insurance on the vehicle that was totaled. Why was n't this fully taken care of?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
I have recently moved to XXXX from XXXX and was trying to get an XXXX plate for my car. The tag office in XXXX XXXX, XXXX sent a request to my finance company, Santander Consumer USA on XXXX/XXXX/XX/XX/2015 and I was issued a temporary tag. I went back when my temp tag expired and they still had not received an answer so they sent another request and I was issued another temp tag on XXXX/XXXX/XX/XX/2015 On XXXX XXXX, XX/XX/2015 I went back to the tag office and they made a call to my finance company and was told that they had received the requests, but they were sent to the wrong department so they just filed them. The local tag office was given the phone number for the correct department and they called that number and were told that they would request a copy of my etitle as soon as they received the request for it. The local office once again sent the request to the now correct department and we checked to make sure it was received. It was and we were told it takes XXXX weeks for that to arrive. XXXX at the local office spoke to XXXX in the title department of Santander Consumer at XXXX. I have since spoken to him as well to ask if there is anyway to put a rush on this as we have been trying since the XXXX part of XXXX to get it and was told no, they are sorry. I was told that the original request should have been forwarded onto them and they were very sorry it was n't. I ca n't get a XXXX temp tag and have to wait for this to come through to get my metal tag. In the meantime, my car is sitting in my driveway with no tag on it at all and I am unable to go to work, doctor, store or anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
This is the follow up from the companies response not providing validation about an account they continue to report. For this company to report the information and not be able to validate the account per the FCRA they should not be reporting anything. The letter they send actually indicated that they did not have proof of the account in question. They did however send a contract on another account that was in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 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: IL

Complaint narrative:
I sent a certified letter to Chrystler Capital on XXXX XXXX and it was signed for on XXXX XXXX and a follow up letter was sent on XXXX XXXX and was signed for on XXXX XXXX. I formally disputed this account and I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I requested " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. XXXX times they have stated that they could not find the account, and needed more info, even though they were given an account number. in this time they sold the account to a collection agency that sent me a collection notice on XXXX XXXX. By law, Chrystler did not supply the info within the 31 days required by law validating the dispute nor did they mark the account disputed in the required amount of time

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-23 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Santander consumer USA is my auto lender. They have charged me fees that I keep paying and paying. I have not been late on my payments but every months they generate a reason for why they are tagging more fees onto my loan. As of my last payment, I paid every single penny I was told I owed just so that my account can return to normal. Now I went to make payments, even though I 'm not yet due, and they had more fees from nowhere. They are also not willing to speak on the record so there is n't a repeat of this come next month and they are not willing to speak with me. 

I am afraid if this is not kept in check they will find reason to keep generating and adding endless predatory fees onto my account. 

Please I need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I have an auto loan with Santander consumer Usa. Its a subprime auto loan with 24.4 percent interest rate. My monthly paymant is {$460.00} a month. XXXX has been applied to the princable of 24 payments. I notified the company in writing that i was forced to pay an additional {$2500.00} down for extended warranty as part of the terms of the loan. Found out the car was still under warranty by XXXX. They said they couldnt refund that money to contact the company that sold the warranty. Turns out they are subdividion of ssntander. I wrote them a letter after they repo my car stating i was on workers comp and can they put a hold on my payments or refinance the loan. They refused. I got my car back after paying the past due amount of {$1200.00} and 1 week later the calls started that i was behind by {$1500.00}. They refused to refi or renogotiate payments. I owe {$16000.00} the same amount as the day i purchased the car over 2 yrs ago and total payoff amount is higher. I put {$6500.00} down. The ticket price was {$11000.00}. I know i should expect higher fees because my credit isnt great but the way I see it is they are making sure I will never be able to pay off this loan. It a 2012 XXXX. They apply payments any way the want instead of where its supposed to be. I have made XXXX payments in one week this month and again a week later tge collection calls start. They report me 60 days late almost monthly. There is no resolution with the bank. No matter what form of payment i use im charged an addition {$10.00} convenience fee. If i mail them a payment they tske their time posting it then charge me late fees and more interest. Im constantly threatened with repos. They wont refund my {$2500.00} for the warranty i did not need and never once used. Now that im workers comp my income is half of what it was. I sent them the award letter from XXXX. They dont care. I dont understand how i still owe the exact amount i owed from the day i purchased the car. I dont know what else i can do so i send them every dime i have just to stop them from taking the car in the middle of the night again. I need my car to go to the doctors, surgeons and physical therapy. They even refused to take a lein on my settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 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 took a loan as primary and my sister as secondary for a loan from XXXX XXXX XXXX XXXX XXXX XXXX Drive Financial XXXX XXXX XXXX on XXXX in XXXX Texas. XXXX after signing the documents we told the dealer and auto loan company that the interest amount and term was incorrect. They would not correct it and told us that it was too late and that we had to pay it. Furious, we contacted them again and told them that we were going to file complaint. We did several times with credit bureaus. We did n't know what to do. We contacted them in XXXX and XXXX stating we wanted to give car back and cancel contract XXXX Drive said no and we had to pay in full the balance. Finally the car died and was unrepairable, so XXXX called to have it picked up after we missed several payments. Now the terms of the loan and balance are still incorrect on my credit reports and after many disputes filed, they are still reluctant to correct the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: AL

Complaint narrative:
unfortunately I did not ask the right questions about this " simple interest ''. I went through an ugly divorce in which I have the obligation of the automobile and all the remaining payments. They were more then happy to give me an extension during these rough times, but unbeknownst to me my principal balance wasnt budging a bit!!!! I bought the car brand new in XX/XX/XXXX and it is now XX/XX/XXXX and the principle has only moved a couple thousand dollars. This can not be legal!!!! I am giving them their payment every month Where is it going???? HELP!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 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 am contacting you at the XXXX time in order to clarify and get your assistance or support with the issue or bad debt situation with car loan. here what had happened : As any customer I had a dream to buy and own a car, so my selection was XXXX, I contacted XXXX of XXXX, MD. It was very hard to find the car that I wanted, I could n't find it at my XXXX location, I wanted red and was offered Green with White Roof, it was proposal from XXXX of XXXX to participate in their show of XXXX process to immigrants in the XXXX. I rejected the offer. The guy who served me was very impatient XXXX XXXX, who raised his voice on employees and later on I found out his employment was terminated, I get with another manager at this location later. The offered interest was too high 12 % to prevent me to buy red car and sell me green car. I continued my search and found a car in the XXXX location. It meets almost all my requirements, no leather seats. 
The offered interest on loan with XXXX 18 %, I agreed because I have a sponsor who prefer to ananomous, told me take it otherwise you 'll be unable to find it with leather. I greed to the terms and conditions. Later I got letter, Thank you for financing and so on. I lost that letter when I moved out. In some time letter I got Title. Please see attachment. There no lien holder ... I trust my friend 100 %. 
Later on started my XXXX that I do n't pay the bill and collection letter in my door and damages to my car. I assume if dealer want to return the car back why they will damage it?! Proof of Evidence : ( Right Rare Tire Hole ), Engine, Left Side Bumper Scratch, I got thru all holes on the road with car noise like breaking it down, Gas tank, I could n't fill in gas my electronics were jumping UP and Down with gas level, My REAR Sensor were alarming when there were no object behind with reverse. My snow sign was blinking and alarming when there is no snow ... I am safe driver I scratched Rear Right White Rim DUring parking, My electronics was going crazy, I complaint about it to the XXXX, they offere me Diagnostics which I could n't get because my car was stolen from Private Property Parking with Request to show the check ( payment ) which I do n't have, because my friend paid for the CAR in order to provide me with assistance of supporting to find the job and live independently. I mailed Title to Texas, where it was sent from. For now I do n't have news. I just want my car back and truth if it is possible what happened with money, how money could be stolen from bank, it takes time to verify and clear checks or payments, I did n't get thank you note the next day in a month and title as well, it means money were there .... then disappeared. The car was repossessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
My issue is with Chrysler Capital. I leased a XXXX XXXX, and recently bought it out of the lease for {$23000.00}. Of that amount, {$1500.00} was sales tax. 
When I received the bill of sale and title, I took it to our county title office to have it put in my name. I was told at the office that they had not received my sales tax, and that I could not own the vehicle until it was paid. I called Chrysler Capital for advice on how to proceed. I spent over an hour on the phone that day trying to be directed to a person in the title department. Once you no longer have an account with them, it 's nearly impossible to get through their automated process, as your SSN is no longer recognized. 
When I got someone on the phone, she checked in to everything and assured me that the sales tax would be coming back to me. I was very clear that I needed it to come to me, a check in my name. She said yes - 7-10 days and I would have a check in my hands. She told me that I could wait for it, or pay the Sales tax again to have the vehicle put into my name that day. I decided to pay it. 
Two weeks later, I have no check. I have now spent the better part of 2 hours trying to reach someone at Chrysler Capital. The first woman in the title department looked into it, and then told me that there was no check coming to me. We were then conveniently disconnected when I questioned it. She never called me back. I called back three more times, after going through the automated process each time, I was hung up on again three times. I have a complaint in to my dealer. Please help me resolve this issue and get my missing sales tax. I would love to hear a copy of my phone calls that are 'monitored and recorded ' each time, as they will confirm my side of the story.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
I had a car a few years ago that was " totaled '' in a car accident. The insurance did pay it off and I owed one month of late fees because it took the insurance company a while to pay it off and a balance of {$110.00} - I paid the company {$210.00} because of a bill they had sent which was incorrect so the account was actually {$100.00} overpaid. The company reported it as a repo. I finally managed to get it corrected after multiple calls to the company and disputes with the credit reporting agencies. but they reported a balance of {$900.00} which they are still reporting several years later and never sent the over payment of {$100.00} back. I have spent multiple hours trying to get this corrected and now they say that it is the balance due. I am at a loss of what to do now. I have been dealing with this for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I needed to make a auto payment to santander consumer USA. I am forced to pay using XXXX XXXX who charges unfair fee 's just to make a one time payment via the web. The fees are way to high and i wounder if santander is not benefiting from these added fees in some way. It can not cost XXXX to make a payment using a debit card. someone is making money on this and seems to violate some FDCPA or other law. Please look into this consumers once again are getting fleeced by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
Santander Consumer USA somehow put my loan on auto pay when I have been paying by check since opening account. They withdrew an extra {$320.00} from my bank account in XXXX and XXXX of this year, causing {$140.00} in overdraft fees. I have been trying to get all my money back for month and everyone I call, they have excuse or need more information. They now owe me {$460.00} as s month has passed so another payment became due. They have embarrassed me at bank as I do not normally go in hole and I have n't been able to pay other bills and killing my credit! I work XXXX jobs and NEED MY MONEY BACK!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
Paid off my auto loan in full i have a letter submitted it to the original sender XXXX. However it is not being shown on my credit report i would like some assistance removing this remark.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 00:00:00
Product: Credit card — 
Issue: Other — 
Company: Synovus Bank
State: NJ

Complaint narrative:
I have been trying to obtain a credit balance statement from First Progress Credit. I have asked nicely, put what I needed in writing and submitted it. I have also spoken with the credit dept, managers and customer service. all I been told is its not their policy. From what I understand and I may be reading the fair credit act wrong. Though the fair credit act states that at anytime a consumer can obtain a balance statement. I am trying to get a mortgage and the company wants something from First Progress directly. They have out and refused to give my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
SANTANDER CONSUMER USA MADE A HARD INQUIRE ON MY CREDIT REPORT WITHOUT MY CONSENT

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
I have paid approx. {$21000.00} on a {$14000.00} car and 4.5 years later with no late payments I owe approx {$9000.00}. They have refused my attempts to pay off early by applying extra money to future months instead of applying it against the principal. Arguments are all they offer. ( I will locate supporting documents as needed. )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: MI

Complaint narrative:
I initiated contact with Chrysler Capital on Wednesday XXXX XXXX, 2015 to inquire as to what the dealer payoff for my lease vehicle would be. I was trading it in to the dealership and using the equity from the trade in to pay down the loan on my new purchase. At that time the dealership was provided a payoff figure that included the " lease buyout '' price of {$26000.00}, a {$350.00} buyout option fee and an " unpaid monthly payment '' of {$320.00} for a total of {$27000.00}. I called Chrysler Capital to inquire why I was being charged {$320.00} for an unpaid payment because my account was not past due and no payment was due until the XXXX of XXXX. The payment due on the XXXX of XXXX was for the least term of XXXX XXXX - XXXX XXXX ; however since I would no longer be leasing the vehicle as of the XXXX of XXXX, I should not be responsible for the XXXX XXXX payment for the next lease term. Chrysler Capital advised that when they generate a payoff letter, their system generates a figure that is valid for 15 days and thus because the 15 days was after the XXXX of XXXX XXXX when the next payment was due XXXX it would be included in the pay off figure ; however, as long as they received the payoff before the XXXX of XXXX I would receive a refund of at least the {$320.00} for the XXXX payment. The dealership mailed a payoff check on the XXXX of XXXX overnight mail to Chrysler Capital via XXXX with a tracking number of XXXX for the total amount of {$27000.00}. It was delivered on the XXXX of XXXX at approximately XXXX. As of today, XXXX XXXX my account shows that my payment is " past due '' and during my repeated attempts to contact Chrysler capital I have been told a payment of only {$27000.00} has posted to the account as of XXXX XXXX - yet they received the payment on the XXXX and they have no indication as to when ( OR IF ) I will receive a refund.

Company response to consumer: Closed with explanation