vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-02 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: MARINER FINANCE, LLC
State: VA

Complaint narrative:
The Mariner Finance agent called me, an existing customer, and offered an additional loan amount ( in addition to the approx. {$2700.00} I currently owe ). I do not feel that the agent properly disclosed all appropriate information related to : ( 1 ) the hard hit on my credit report, and ( 2 ) the very high interest rate on the loan.

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 2015-11-01 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: GA

Complaint narrative:
I 'm XXXX XXXX. I 'm a Rush Card member. My pay day was Friday XXXX. Over {$850.00} was direct deposited to my Rush Card. It has yet to reflect on my account. The XXXX # was of no help. ATM machines w/MoneyPass did n't show my direct deposit. My rent is due on XXXX XXXX. I 've tried calling SEVERAL times and was hung up on. I finally spoke with a Rush Card agent, # XXXX XXXX yesterday, XXXX/XXXX/15 at XXXX. That phone call lasted XXXX minutes and XXXX seconds ... Most of it consisted of wait time. He tried to convince me it was an ERROR at my place of employment. I refused to believe and nor accepted that excuse. I 'm LIVID. He could not find my direct deposit transaction from XXXX/XXXX/15. I need my hard earned money. ThanksXXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-30 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK
State: WA

Complaint narrative:
XX/XX/XXXX I applied to the Scottrade Brokerage by phone from XXXX Wa. Someone named XXXX helped, but the XXXX person was so rude, I never funded my account. 

On XX/XX/XXXX I received a notice by email that the company was hacked. They gave a number for XXXX ( security ) to provide security, but now on hold for over an hour, no one picks up. Sloppy service here as well. 

Although I spoke with Scottrade staff ( National level ) and was told, that even as the email mentioned Social security numbers were accessed I was told by phone mostly they thought the " contact '' information was used? I asked if they had deleted the account since it was not funded and they had. But 2 years later clients are now being informed. 

XXXX

Company response to consumer: Closed
Consumer complaint received 2016-04-12 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Account Brokers Inc.
State: UT

Complaint narrative:
I made an attempt to settle a debt. I was happy to pay, and thought I had even already paid it, but the three women I spoke to were extremely rude to me and were not communicating with me in a manner in which I felt my money would actually settle a debt. To me, their attitude was not worth {$120.00} that I supposedly owe. I was horrified by their lack of professionalism. They had no interest in working with me to settle the debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: RSI Enterprises, Inc.
State: AZ

Complaint narrative:
While attempting to purchase a house this month the mortgage company found an account in collections. The amount was less than {$30.00} and has currently been in collections for 10 months. We have never been contacted. No phone calls or letters. In other words we did not know that we owed money or were in collections. The lender and I contacted the collection agency to try to resolve the issue. They claimed that have sent " numerous '' letters to us and none of them have been returned. 

They are using an address that we have not lived for 7 years. That fact was of no interest to them. They were not willing to help us remove the account even if we paid it off. 

How do we prove whether they had mail returned to them or not? 

How can we possibly prove that they have never called us? They can have no recorded calls with us, as we have never spoken to them. 

All we can prove is that they had an address that was outdated by 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 00:00:00
Product: Prepaid card — Payroll card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: MS

Complaint narrative:
The issue is with the company Rushcard ... ... I have gone over a week without accessing my funds due to a technical glitch in their system upgrade. tried to contact Customer Service on several occasions was on hold for a very long time and hung up on by customer service

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-24 00:00:00
Product: Prepaid card — Transit card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: CA

Complaint narrative:
Rushcard. 
I have XXXX accounts with rush card. I used the mobile app to transfer money from one account to the next. The next day I checked the account the money had been transfered to ( XXXX ), and my account was missing over XXXX. The XXXX acct shows XXXX completed transactions. XXXX for XXXX, and another for XXXX. Rushcard took money from one of my accounts because their system was behind and did not calculate my purchases on the other card ( XXXX ) from the previous day. One account has nothing to do with the other. You can not take money from an unrelated account due to a system error on your part. This comes AFTER the issue of not being able to buy food for my children and gas to get to work for 2 days, due to the inability to access my funds in XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-13 00:00:00
Product: Prepaid card — Mobile wallet
Issue: Advertising, marketing or disclosures — 
Company: Empowerment Ventures, LLC
State: CA

Complaint narrative:
I applied for a Rush card and used a referral promo code at that time. I was approved, received the card, activated the card, and have now received XXXX qualifying direct deposits. 

I have fulfilled the terms to receive the referal bonus of {$20.00}. I have spent countless hours on the phone with rush card and am getting the run around.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-20 00:00:00
Product: Prepaid card — Payroll card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: PA

Complaint narrative:
Long story short RushCard member, severly impacted by this transitional glitch, been with access to my savings and payroll for 9 days, customer service disconnects after 1+ hours of hold time, lies to me and causes more problems. Been trying aimlessly to have this fixed but when one problem is fixed another arises. I am finally at a point where my card is showing active, my balance is XXXX $ off but close enough considering its XXXX $ i have on this card yet i still have absolutely no access to it. No pos purchases no atm in or out of network and no news of hen i will be able to access it. 
I already discontinued my payroll direct deposit for next week and plan on closing the acct when i get my money. Problem is im a single dad with XXXX kids, i work hard to support them without government assistance. I can barely make it as is let alone dealing with this mess. Please help please

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-20 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: GOLD KEY CREDIT, INC.
State: CO

Complaint narrative:
On XXXX XXXX, 2016 I called Gold Key at XXXX and spoke with XXXX XXXX. I asked for the information on my debt and that she send me an invoice as my credit union required that to payoff the debt. XXXX not only was rude to me but refused to speak with my credit union manager, XXXX XXXX, because XXXX told XXXX that verifying me with my d.o.b. was not appropriate for XXXX to do and I had already verified myself. XXXX refused to speak with XXXX. She refused to fax or email and invoice. And ended up lying stating that she would mail an invoice when I was told by another representative that they could not do that. Why would collection agencies compliance policies not allow them to create an invoice proving the payment amount and address?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: LDF Holdings, LLC
State: IL

Complaint narrative:
I have received an automated phone call from XXXX. The automated message identifies themselves as Lendgreen. This company has been leaving automated messages for every day for more than a year, sometimes several times a day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I was charged a XXXX late fee on my account. Santander posted my payment 3 days late. Santander stated that they received and posted my payment the day it was received. I do not believe that 1, because XXXX service is not that slow, it was mailed 10 days before it was posted, 2, because all other payments mailed on that date managed to get delivered on time. 
I want the XXXX credited back to my account, along with any finance charges associated with this charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
The firm XXXX continues to attempt to collect a debit that discharged via Chapter XXXX Bankruptcy. In XX/XX/XXXX, the vehicle was originally fnanced with XXXX XXXX XXXX, then sold to Santander Consumer USA who became my new lender. In XXXX of XXXX, the vehicle was respossessed, and the deficiency balance was owed to Santander USA. In XXXX of XXXX, the deficiency balance owed to Santander USA was discharged in U.S. Bankruptcy Court. On XXXX/XXXX/XXXX, XXXX attempted to collect the deficiency balance on the debt from XXXX XXXX XXXX. I informed them that the debt had been sold Santander USA, the vehicle repossessed and then been discharged via Chapter XXXX Bankruptcy. The customer service representative then became combative and abusive and told me " That is not my problem, will you be paying what you owe us? '' I said no, I do n't have -- the debt has been discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
I bought a car from XXXX in XXXX from a sales person named XXXX. The car was a 2003 Mercedes with around XXXX miles valued at {$9500.00}. XXXX sold me thecar for over {$18000.00} after telling me that I had to stay around {$10000.00} I later see so he could add all these additional charges. XXXX set me up with a finance company that he told me that they use on a regular basis called Santander XXXX. They added an additional {$18000.00} which would have come to over {$36000.00} had I paid off the loan. XXXX told me I could pay off the loan early and avoid the interest but after I signed the contract Santander made me pay on the interest XXXX and intended on getting all $ 36000for a {$9500.00} car. I traded the car in after paying $ XXXX which cameto {$9000.00} and I also put down {$1400.00} down payment. Its amazing that there are companiesout there that are doing this and going UNCHECKED. This is modern day LOAN SHARKING.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
Santander consumers are the worst finance company ever. They towed my vehicle today for delinquent payments since XX/XX/XXXX. Mind you, it 's XX/XX/XXXX. I first purchase my vehicle from them in XX/XX/XXXX, the loan was {$25000.00} with monthly payments of {$570.00} a month and the balance is still XXXX. All my payments went to interest and {$0.00} went to the principal. Also, was charged {$10.00} for extra fees every month. I wrote 5 certified letters to Santander request my singed agreement terms. However, no response, called and was on hold forever and was given the run around. Never a straight forward wander. Then on top of that they reported on my credit stating I have n't been making my parents. 

This morning I got a call from my cousin, stating someone called him to tell him my car is being towed and to come get my stuff out of it. That was when I found out my car was being towed for delinquent payment because I have n't paid since XX/XX/XXXX I was so confused when I paid it on the XX/XX/XXXX. When I called satander, they stated I had a late payment in XXXX and that late payment accumulated to {$2000.00} then on top of that I have to pay for the repossess payment which was {$3500.00}. This company is ridiculous. Someone has to do something about this company ripping people off.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26 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 a auto loan with Santander Consumer located in XXXX Texas. Each month I sent them two payments which equal to one month payment. One half of my payment is mailed in the first week of the month and the second half of the payment is mailed out by XX/XX/XXXX.My payments are {$320.00} the due date is the XXXX of each month. 
XXXX stated they received first half of my payment on XX/XX/XXXX and therefore I am always late. According to them my second half is always late. 
Today I went on line to check my account again they stated they received only one payment on the XXXX.I asked if that is true, WHY IS MY BALANCE STILL THE SAME AS LAST MONTH? ( FROM WHEN THEY RECEIVED A FULL PAYMENT IN XXXX and XXXX in XXXX? ) XXXX is not being candid with me and they are not recording my payments and balance. I DO N'T KNOW WHAT ON MY CREDIT REPORT. I do know If XXXX keep recording me as late it will reflect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: LDF Holdings, LLC
State: TN

Complaint narrative:
there was a loan posted to an old Checking account of mine since then I have been receiving phone calls to while at work at all times of the night and morning I 've asked them to stop calling my phone but they still continue what do I need to do they keep calling from all types of phone # 's

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: FIRST MORTGAGE COMPANY
State: IA

Complaint narrative:
I currently rent a duplex located at XXXX XXXX XXXX XXXX IA XXXX. The property was sold on XXXX/XXXX/XXXX for {$180000.00}. The current owners used FHA financing and are not occupying the property. I know this because I 've been receiving their mail since XX/XX/XXXX. The mail is addressed to the current owners on record to my address which I have a lease agreement in place until XXXX XXXX. The property has XXXX addresses listed in the United States Postal Services website. XXXX and XXXX XXXX XXXX XXXX IA XXXX. I 've included a picture showing the XXXX mailboxes. I 've also included the lease agreement from the tenant at XXXX XXXX XXXX, which is month to month starting XXXX XXXX and is good through XX/XX/XXXX. XXXX and XXXX have lived at XXXX XXXX XXXX for over 5 years and will remain there until their current lease has expired XX/XX/XXXX. Simply sending someone out to the property and asking who actually lives there would clear this matter up.

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 2016-02-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
My husband surrendered a vehicle that we jointly owned in his chapter XXXX bankruptcy. Before his confirmation, I contacted Chrysler Capital to see if they could put me on a program to pay back the arrears while I continue making payments on the car. The customer service representative said that the trustee in my husband 's bankruptcy case has not released the vehicle from the bankruptcy yet. I waited another week until I called again, this time I was sent to the bankruptcy department. The bankruptcy department immediately told me that I had to give them {$10000.00} in order to keep the car. I told them the vehicle has XXXX miles on it and could they work with me ; they told me no. A week later, I get a letter in the mail stating that I had better give them {$38000.00} by XXXX/XXXX/2016 or they will repossess the car. I do n't think that it is fair that they treat me this way, especially when I am trying to keep the only vehicle I have and protect my credit. 

Can you help me please?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 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. Both times they have stated that they could not find the account, and needed more info, even though they were given an account number. By law Chrystler did not supply the info within the 31 days required by law validating the dispute. Chryster has admitted that they have broken the law by not responding in case XXXX which also had supporting documents attached. They claimed that they never recieved the second certified letter even though they signature was attached to this file. everything chrystler is doing is deceptive and crooked, and they hae broken the law multiple times

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04 00:00:00
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
The seller of the auto USA Santander Consumer agency sold th is car to me without disclosing the condition of t he car. The XXXX XXXX XXXX XXXX had a very bad deficiencies with the breaks that made the car low, stop right in the tracffice on the freeway .Also the car would n't breaks, it could be very danger because the malfunction who made by the car dealer XXXX XXXX, and with a recall after buying in this condition. I would like this problems solved because of the insufficient lack of safety when it was sold to me unrighteous. And could cause death to me or someone why driving it. I volunteer gving back them because of this problem they did n't give me an option in the situation to solve the condition.Now it is on my credit to collect for it after these notification. from the dealership .and now I have purchase a car through the third party on this Loan from Santander USA through XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I had a car loan with Santander USA for a whole year I paid them and nothing was apply to my account. This was over 3 thousand dollar, XX/XX/XXXX was suppose to be my last payment but they said I had to pay them for another year. Just this year I got another bank to refinance my car loan. But these people still took money I already had paid them. I had documentation to support this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: SUN LOAN COMPANY INC.
State: IL

Complaint narrative:
XXXX keeps calling me several times a day, harrasses me at work with is against the law, calling friends, threatening 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 2015-04-30 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Grant & Weber
State: AZ

Complaint narrative:
I have XXXX accounts with XXXX XXXX XXXX XXXX that I was paying them directly XXXX each month. Then I received a letter from Grant and Weber Arizona , Inc. They are a debt collection agency. We started payments of XXXX a month on each account. We have missed some monthly payments, but have called and tried to tell them the reason for not being able to pay at the time. We have never had a monthly statement of any kind showing payments we 've made, or the balance due. Just a few months ago, I called them to tell them that we would not be able to make the payments. I called and left XXXX ( XXXX ) voicemail messages for XXXX XXXX. He is the one handling the debt. All the messages were made within a weeks time. He never returned my phone calls!!! My husband XXXX has even called him, and he never calls back, unless we have called about paying the debt off. Then he calls right back! The principal balance we owe is {$530.00}. He sent us a letter that says he 's charging us {$190.00} in interest, making the total amount due {$730.00}. There has never been any talk of interest to be charged with these accounts. I do n't feel that this is right considering the effort we have made to keep in contact with XXXX. Can he legally charge us interest on a medical bill? We would like to ask for your assistance with this matter. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: OK

Complaint narrative:
Im having issues making my car payment i called to see about different options due to payday changes avaliable cust rep said i had to wait 6 months to make any changes

Company response to consumer: Closed with explanation