vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
I purchased a XXXX XXXX around XXXX that was financed throughthrough Lobel Financial. Shortly after purchasing the vehicle it began to havemajor mechanical problems. I went back to the dealer who would not help me. 
My ex-husband took the vehicle to his mechanic without my knowledge. Thismechanic did work on the vehicle that cost more than what the vehicle wasworth and I did not authorize the work. I could not pay for this. I called Lobel financial and let them know whatwas going on. I gave them the information for the mechanic. They did n't want tohelp me either. They told me I was still responsible. I told them I could n't payfor a vehicle that I did n't have. I asked about lemon laws. No one would help me. 
I received several threatening phone calls from Lobel 's reps. They finally toldthat it would be charged off on my credit against me. Now XXXX years later, I goto purchase a vehicle and I am told that Lobel is showing XXXX days past due andthat this is effecting my credit rating. I have called Lobel and even gone into thebranch to try and get this resolved. They gave me the phone number to theirattorney ( XXXX ) XXXX who I have called and left messages for with no returncall. I do n't know what else to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: STERLING JEWELERS, INC.
State: GA

Complaint narrative:
I have been receiving harrassing phone calls since XXXX XXXX 2016. The person calling stated they are from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from a man with the name of XXXX XXXX . He uses threatening and vulgar language. He is very combative on the phone to the point of belittling you. He has stated that I owe roughly {$7000.00} to them from an old Kay Jewelers credit card account. He stated that I had until next business day to pay or I would encounter a law suit. When I told him I did not have that type of money and that I would need to speak with my spouse about this issue he stated " You didnt speak with your spouse when you rang up this debt. '' then continued to ask me " Where are you going to get money to pay me by tomorrow '' He has also gone as far as to call other part of my family and threatening them as well, calling my mother " a XXXX like her son ''. This type of abuse should never be allowed to take place.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 00:00:00
Product: Debt collection — Federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Todd, Bremer & Lawson, Inc.
State: FL

Complaint narrative:
The total of the classes I could not even attend at XXXX was only {$3200.00}, not {$4000.00}. I was driving back and forth from XXXX to XXXX every single day, five days a week or sleeping in my car when I had to because I could not afford an apartment in XXXX, but I really wanted to work hard to pursue my XXXX XXXX XXXX in XXXX, after graduating with my XXXX from the XXXX. I missed the first class of my XXXX and was dropped from the course, without notice. I was then told to register for a different XXXX, but it would mean paying another {$250.00}, which I absolutely did not have at the time, and could not get in any way, shape or form within the 24-48 hrs that I was told I had to pay for it. Therefore, XXXX dropped me from ALL of my classes, without my permission, and I lost my entire student loan. The whole situation is completely unfair. If I had never been unwillingly dropped from my courses, I could possibleIy be half way towards finishing my XXXX XXXX XXXX right now, at least. Since I can not do anything about the unfair experience I had at XXXX, I am willing to get on a payment plan for the actual amount owed, but I do not understand why it is reported as more than it actually is/should be. Completely ridiculous, especially for a young mother who was doing literally everything possible to pursue higher education, and make a better life for myself, and contribute more to society.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Santander Bank formerly XXXX has falsely reported to all the credit agencies wrong. THey reacted to a former complaint of mine and vehemently disagreed. However they changed their information on the XXXX credit bureaus three different times late on three different statements. I was never late. SO here it is in order 1 ) ON XXXX/XXXX/XXXX I contested that they reported wrong on my report ( attached ) that in XXXX and XXXX of XXXX I was not late. I enclosed statements that proved I was n't late. Now to XXXX attached that is what they showed. 
2 ) On XXXX XXXX XXXX I got a letter back from Santander saying indeed I was late. 
3 ) On my XXXX report Santander now has switched the late months to XXXX XXXX and XXXX of XXXX and now show XXXX and XXXX which I had contested before as paid. 
4 ) On another credit reporting service XXXX Santander at another time showed not late any payments.

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 2016-09-29 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I previously submitted a complaint ( case # XXXX ) regarding my fraudulently over-drawn checking account at Santander Bank, NA. The bank has resolved the fraud issue and reversed the charges and fees. However, during the process I noticed what might be a Regulation E issue. I submitted my fraud claim to Santander on XXXX/XXXX/2016. The bank reversed the charges and credited me for the charges and fees on XXXX/XXXX/2016. In the meantime, I received XXXX ( XXXX ) automated phone calls from Santander informing me that my account was overdrawn and that I needed to immediately deposit money to avoid additional overdraft fees. People unfamiliar with their rights under Regulation E may be misled by these messages into believing that they are responsible for over draft fees caused by fraudulent charges. They may then deposit money to offset the negative account balance caused by fraudulent charges just to avoid fees, potentially losing access to even more money then they lost due to the initial fraud for 10 business days for no reason. I contacted Santander about the issue but was told that the phone calls were auto-generated and could not be stopped. For lower-income people and families, this may represent a second type of victimization, where they end up temporarily losing access to even more needed funds than were lost in the initial fraud. Santander should be able to turn off their threatening robocall system in cases where a Reg E claim has been filed.

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 2016-08-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc.
State: VA

Complaint narrative:
I disputed the 30 day delinquency through XXXX & XXXX for XX/XX/2015 & XX/XX/2015 regarding my GM Financial account XX/XX/XXXX and never received a response regarding my dispute. I have contacted GM Financial and the XXXX, XXXX and have advised them GM is out of compliance responding to my dispute and this must be removed and still nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MD

Complaint narrative:
There were XXXX unauthorized transactions made by XXXX of my family member [ by accident ]. I helped a Nissan employee [ XXXX ] from collection department locate the vehicle, and that employee promised that she 'd issue a refund check for me. After Nissan found the vehicle, no one contacts me back, and that employee never returns my calls. 
On XXXX/XXXX/2016, I called again and talked to XXXX [ XXXX for 23 minutes ]. She told me that it is the money that the customerXXXX owed to Nissan and can not refund meXXXX the money. She said I 'll need a police report otherwise, they can not refund me. 

It should be noted that I do not have any account with Nissan and never purchase any vehicle from the company. 
I obtained this info from XXXX and Nissan [ after they added me as authorized user so they could share the main account holder info with me on the phone ] Nissan Acc # XXXX Transaction # obtained from XXXX 1. # XXXX XXXX/XXXX/2016 {$1200.00} 2. # XXXX XXXX/XXXX/2016 {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: HANCOCK WHITNEY BANK
State: AL

Complaint narrative:
I believe I am a victim on predatory lending. My loan was transferred to Harrison Finance XXXX and I believe my interest rate and amount increased beyond what my original lender promised me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MD

Complaint narrative:
Investment retrievers claims they are attempting to collect a debt from a repossessed vehicle previously financed through Nissan Motor Acceptance. They claim the last payment ( when vehicle was sold ) was in 2012. Several issues involve this reporting on my credit report and continued attempts to collect : the creditor has not produced a written loan or loan agreement that gives the creditor a security interest in the car the loan agreement does not give the creditor a right to sue you for a deficiency after it has taken the car, and XXXX XXXX is not the same creditor that is on loan papers and it has not produced an assignment or other legal document that establishes the debt was assigned to it. The creditor is barred from collecting because they failed to provide me with required written notices, did not conduct the sale of the car in a commercially reasonable manner, and refused to allow you to reinstate the loan, the law may prohibit it from going after you for the deficiency. 

XXXX claimed notices were mailed. This is n't true and I 'm sure they are producing false documentation after the fact because I have complained many times. 
Per Md. Com. Law 12-626, 12-115 ; 63 Md. Op. Atty. Gen. 92 collection of a deficiency balance should not be continued from investment retrievers. I asked them to remove dispute remarks from my credit report as I 'm trying to purchase a home and can not have remarks on the report. XXXX has been asked to stop contacting me ( cease and desist ) because many things were not done correctly regarding this car repossession and I do n't owe anything to investment retrievers I was never given the opportunity to buy the car, stop repossession or notified about repossession of the car as I though car payments were deferred many laws were violated

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: LA

Complaint narrative:
On XXXX XXXX, XXXX, my XXXX Nissan XXXX was totaled in the flood that occurred in XXXX XXXX, LA. I filed the proper claims with my auto insurance and XXXX insurance companies. My auto insurance company 's payment posted to my account for the date of XXXX/XXXX/XXXX. I received a letter in the mail from the XXXX insurance company in XXXX notifying me that they had mailed the payoff check to NMAC Total Loss department on XXXX XXXX, XXXX. I began watching the account online to monitor when the payment would post. After I saw no activity by XXXX XXXX, XXXX I began calling NMAC. I was told that they had not received the payment yet and that I needed to contact the XXXX insurance company. I contacted the XXXX insurance company so that they could investigate the issue. I was contacted a few days later, I was told the check was indeed received by NMAC and drafted out of their account on XXXX XXXX, XXXX. I was emailed a copy of the check that was stamped by NMAC. 
I discovered that the account number that the NMAC team member wrote on the check when they processed it was wrong and they credited the wrong account. The CSR I spoke with found the account and she saw that the {$9300.00} check had posted to an inactive account. She put in a request for the proper department to correct the issue and post the money to my account. 
The issue still has not been resolved I keep getting the runaround. I have been calling NMAC approximately every other day since XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: High Point Asset Inc
State: FL

Complaint narrative:
I constantly receive calls on my cell phone from " High Point Assets '' leaving a message for " XXXX XXXX XXXX ''. I see there is multiple complaints online regarding similar situations. I have XXXX voicemails within 15 days. I blocked the number because sometimes it just rings and hangs up. This is clearly a violation of the law considering it 's a robocall. 

XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I have a mortgage loan with Santander bank, and have been having difficulties paying my mortgage since I lost my full-time job in XXXX. I was denied Loan Modification 5 times over the past 4 years, the most recent being XXXX XXXX. In XXXX XXXX, I received help from CHFA ( in the form of a Loan - with deferred payments ) and brought my account current. 
Because the mortgage loan was never modified - I am still paying an interest rate of 5.75 % and the payments are almost {$1600.00}, I fell behind again in XXXX. 
I continue to make payments, and on XXXX XXXX, XXXX I had made enough payments totaling one month 's mortgage. 
However, Santander DID NOT apply the payments to my account, but instead sent my information to an attorney to begin the foreclosure process. On Monday XXXX XXXX, I received a letter from XXXX XXXX XXXX regarding said mortgage. I also received - on that same day- a mortgage statement dated XXXX XXXX, showing the unapplied funds. I immediately called Santander and spoke with XXXX XXXX, who could not give a valid reason why they did not apply the {$1500.00} to my account. 
Subsequently the mortgage company refunded me in XXXX installments the XXXX for {$790.00} received on XXXX/XXXX/XXXX and the XXXX for {$800.00} received on XXXX XXXX, XXXX. 
Santander Bank, by their actions FORCED me into foreclosure to suit themselves. Instead of assisting me to keep my house they are trying to forcible take my house from me. 
I am also a Social Security XXXX recipient. 
I have a modification package which I will complete and return to them within the next few days. 
Please investigate. 
Thank You XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2015-11-19 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
Had a man call me claiming he was a detective and I owed on a payday loan for Ace cash express claiming that I had missed a civil suit court date today and that if I I did n't pay the amount owed he would have the bench warrant executed and I would be taken to jail. He said I needed to pay what was due today which was a little more than XXXX dollars or I would be taken to jail until they give me another court date. Threatened wage garnishment and my license being suspended and when I told him I had no money due to my situation he said I need to borrow money for a down payment or I would go to jail. I was never even served with any type of lawsuit. I honestly felt so scared and had no idea what to think but when I get off the phone with him I reversed the telephone number and it went to an XXXX XXXX XXXX I believe and saw many reveiws claiming it was a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: QuickClick Loans of Illinois, LLC
State: CA

Complaint narrative:
Quick Click has my information for a loan. I did not request the loan and did not know about the loan until I saw it on my credit report and challenged it on my credit report. In response I got a notice from a 3rd party that a lawsuit has been filed. I checked court records and it has been filed although I have not yet been served by XXXX. I did not take the loan out nor have they responded to my request for validation after I found it on my credit report. I am formally filing a complaint to log all of the debt collection violations they have done. They have not validated my debt and filed a lawsuit against me without validation.

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 2015-10-30 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Regional Collection Services, Inc.
State: OH

Complaint narrative:
Regional Collection Service or RCS which it is now known refuses to send me verification of the total amount of the debt I owe. Nor will they send me proof that they received my payment and the balance that is still owed. I do n't feel comfortable making payments on a debt without knowing the true balance before and after the payment. 
Is it legal for them to do this? If not what must I do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
During the 2015 XXXX holiday I closed my savings and checking account at Bank Santander located on XXXX XXXX XXXX XXXX, in XXXX, Pa., phone number, ( XXXX ). Branch number XXXX. 
I received an official Bank Check for {$23000.00}. XXXX and mailed it on XXXX XXXX, 2015 to my XXXX XXXX Bank account and put on the back of the check for deposit only in my account and listed my account number. The check was never received by XXXX XXXX and is lost. I call Bank Santander and requested a stop payment on XXXX XXXX, 2015 Banks XXXX said the wo n't stop payment for 90 days. The bank officials say if I want a stop payment sooner I have to agree that they are not responsible for the money. They want me to obtain a surety bond too. I 've call 3 times and the bank refused to put a stop payment sooner than the 90 days. I asked the bank on what date will they put a stop payment on the check and I was told by XXXX XXXX who works at the bank that she did n't know, that she would have to get back to me with that information. 
Best Regards XXXX XXXX cell phone XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-09-29 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: RFNA, LP
State: GA

Complaint narrative:
Excessive daily calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
XX/XX/XXXX, I had originally opened a credit card with Sovereign Bank, which was administered by the third party XXXX XXXX XXXX. XXXX Santander Bank 's acquisition of Santander Bank XX/XX/XXXX, all credit card administration was transferred from XXXX XXXX XXXX to be handled in house by Santander Bank. Upon reviewing my credit report XX/XX/XXXX, I noticed that my credit reporting history dd not include any of the time that my credi card was handled by XXXX XXXX XXXX as part of Sovereign Bank. I inquired about this first with Santander Bank, and was told that they did not have any record of my credit history prior to the acquisiton on Sovereign Bank, ( this despite the fact that I never closed any accounts, and all of my checking, savings, and credit card account balances were transferred over ). I was instructed to contact XXXX XXXX XXXX. XXXX XXXX XXXX informed me that they no longer have n records of the credit history for any clients that were transferred to Santandr Bank, as all client records were handed over toSantander Bank. I have filed multiple inquiries with Santader Bnk to no avail, and am contnually told that they do ot have any information, again, this is despite the fact that I never closed any accounts, and all of my checking, savings, and credit card account balances were transferred over following the acquisiton by Santander Bank. This situation is negatively impacting my credit score and the average age of my account balances, as well are credit reporting history. I am requesting a formal CFPB complaint to be filed against Santander Bank and XXXX XXXX XXXX regarding into this matter.

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