vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: MO

Complaint narrative:
On XXXX/XXXX/17, our car was involved in an accident. On XXXX/XXXX/17, it was deemed a total loss by insurance. The XXXX payment was made on XXXX/XXXX/17 and cashed by the lien holder. The pro-rated bumper-to-bumper warranty refund check was received by the lien holder on XXXX/XXXX/17 and cashed by the lien holder. The lien holder advised me that my next payment was due on or before XXXX XXXX, 2017. 
On XXXX/XXXX/17, a settlement check was rendered and mailed to the lien holder certified mail. On XXXX/XXXX/17, the lien holder accepted the check but did not cash it. On XXXX/XXXX/17, the insurance check was cashed. On XXXX/XXXX/17, the load showed closed / paid in full. 

On XXXX/XXXX/17, the lien holder mailed a First Notice of Right to Cure Default against me when the loan was paid in full and closed prior to this mailing. 

On XXXX/XXXX/17, I received the XXXX/XXXX/17 mailing of the First Notice of Right to Cure Default and to advise me that I neede to pay {$930.00} on or before XXXX/XXXX/17 or surrender my vehicle to the lien holder. 
It is obvious to me that no one there knows which department does what at any given time. This loan has been paid off and the note is satisfied. The Lien Release for the account was mailed directly to the insurance company on XXXX/XXXX/17. The insurance company took possession of the car on XXXX/XXXX/17, took possession of my title XXXX/XXXX/17, and obtained the lien release from the lien holder after XXXX/XXXX/17.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lazega & Johanson LLC
State: GA

Complaint narrative:
A law firm representing my HOA Association keeps giving me different balances in order to settle my account. They first quoted an amount of {$5700.00} in order to settle the account. Then they quoted {$7500.00} because they thought I did not remember the original amount so they transposed the numbers. Then, they quoted {$8000.00} as a reasonable offer.Then the attorney sent me an email quoting {$10000.00} approximately as a final offer. Then I spoke to an associate and she quoted $ XXXX then {$10000.00}. Then she sent me an email stating they want approximately $ XXXX to settle the account. I have the emails, but I could not attach them. Incan forward them to your email address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Green Square Company LLC.
State: NJ

Complaint narrative:
I have been receiving disturbing/harassing calls pertaining a debt ( or debts ) not mine since XX/XX/XXXX. Please refer to my prior case number XXXX ] ( XXXX XXXX. 
Since last reported to you, I have received numerous calls XX/XX/XXXX from a company called Premier Recovery Group XXXX. They leave messages indicating they have received formal complaint pertaining a debt and we need to contact them immediately at XXXX. 
Beginning XX/XX/XXXX through XX/XX/XXXX various calls from unknown numbers ; from various states such as XXXX, XXXX ; XXXX ; XXXX and XXXX XXXX. 
XX/XX/XXXX XXXX XXXX ; message from Premier Recovery Group ; final notification, file will be closed and referred out. File No : XXXX. Call XXXX. 
From XX/XX/XXXX to XX/XX/XXXX several calls from XXXX. 
XX/XX/XXXX at XXXX XXXX ; message at request of Attorney General of the State call XXXX. ( call received from XXXX XXXX XX/XX/XXXX at XXXX XXXX ; message at request of Attorney General of the State call XXXX. ( call received from XXXX ) Please note that I have no outstanding debts. I have checked my credit reports and find nothing suspicious. I have not received any correspondence in the mail from any agency regarding any outstanding debt or debts. They are harassing me regarding a debt or debts pertaining to someone from XXXX with a similar name ; different middle initial ; different social security number.

Company response to consumer: Closed
Consumer complaint received 2016-10-03 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 purchased an auto in 2007 from a local dealer who finance using Drive Financial who later changed to Santander Consumer USA. I have still not received my lien free title and on top of that after deferring several times payments my credit reports shows various incorrect reporting issues. I am still trying to get them to clean up this mess.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: On-Site Manager, Inc.
State: FL

Complaint narrative:
Hello, I just got my report and it says I have an record for forgery several times, and that I have a aka of XXXX XXXX. This is not me. 
1st I was XXXX years old and still in XXXX, Living with my parents in XXXX and XXXX. 
2nd in XXXX I was in XXXX in XXXX, XXXX. 
3rd I have never lived in XXXX or anywhere close to there. 
Last I have a middle name XXXX or an XXXX. in my name. Although I understand there can be a XXXX XXXX with the same birth date, It is highly unlikely. not to mention but, we would not have the same social security number. 
If we do have the same number, I am reporting this forger has stolen my information considering this XXXX XXXX is a forger. Can you please verify this is not me Please. 
Thank You, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04 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/2015 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 the begging of XXXX. The mail is addressed to the current owners on record to my address which I have a lease agreement in place until XXXX. There was also {$20000.00} given by the seller back to the current owners for new windows for the property, this was given to the current owners from the proceeds of the sale.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 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: FL

Complaint narrative:
I spoke to the original company with DEBT and they said that the TRADELINE HAS been DELETED for that supposed debt. According to the original debt company the TRADE LINE was already deleted and no one after that should be contacting me that I owe a debt. When none of the information on file for that debt collector for me was inaccurate. But according to XXXX IN NY, I still owe the money to the original debt company. I told them I found out about the debt bc I am getting ready to buy a home and the individual from that company told me " I WILL NOT BUY ANYTHING TILL I PAY THEM OFF FOR THIS DEBT '', the individual that I called was harassing me bc I will not be able to buy the home am looking to buy bc of this debt. He also told me that he knows what happen bc I did not know the address he had on file for this debt, he was saying that I did all of this and that he already heard all the excuses so that whatever I said was not true at all. When I told him I was not even in the state during that time frame of the debt and not to mention the address they have on file I do not even know. I forwarded XXXX the letter from SANTANDER the original debt company that the TRADELINE has been deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: MI

Complaint narrative:
I leased a Chrysler Town and Country with financing through Chrysler Capital. I returned the vehicle XXXX XXXX, XXXX with 4 lease payments remaining totaling about {$1300.00}. Upon turning in my vehicle I was told I would be responsible for paying the remainder of the lease payments and that I 'd be receiving a bill. A few months later I received a bill dated XXXX XXXX, XXXX in the amount of {$27000.00}. I called and spoke with customer service who said the amount was wrong and they 'd send another bill. The next bill stated they disposed of my vehicle on XXXX XXXX, XXXX and I owed {$2600.00}. I called again, and the next bill they sent had a vehicle disposal date of XXXX/XXXX/XXXX and an amount of {$2800.00}. The next bill I received was via email and had a vehicle disposal date of XXXX/XXXX/XXXX and an amount of {$2300.00}. Most recently I received a bill saying my vehicle was disposed of on XXXX/XXXX/XXXX and I owe {$2300.00}. There is also a discrepancy in the final odometer reading among the bills as well. During the last year I have received numerous calls from Chrysler Capital trying to collect on this bill, but due to the lack of accuracy in their record keeping I have not made a payment. I was told the amount I owe is not my remaining lease payments, but instead it is the adjusted lease balance less the realized value, meaning they sold my car for less than it was worth and that I owe the difference. I started keeping a log of all communication with Chrysler Capital XX/XX/XXXX because the amount of calls were excessive and unproductive, no one was able to give me accurate information. Many times I was receive calls and they 'd hang up when I answered the phone or it 'd only ring once and hang up. Since XX/XX/XXXX ( in 8 months ) I have received 25 phone calls, 8 of which were hang ups, and one email. I filed a complaint with " XXXX from the Office of the President '' which did n't actually solve the problem or stop the constant phone calls, and she no longer returns my emails or calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I pulled my annual credit report and found a car loan from Santander Consumer USA, which I have never obtained. This account has created a negative impact on my report and reflects payments that were late. This information is extremely injurious to the character of my creditworthiness. I 've disputed this with the Credit Reporting Agency ( XXXX ). However, I feel that I needed to file a complaint, as this sort of business practice is fraudulent to say the least. The placing of a frivolous account, name variation and an associated social security number on one 's credit report, MY CREDIT REPORT, is a direct violation of the " Furnishers Rule '', as well as FDCPA violations and must be address expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29 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: TX

Complaint narrative:
Back in XXXX XXXX I paid off my truck lean early with Santander. They released the lean and send me my original title to my truck. 6-8 months later I received a letter telling me that I owed them over $ XXXX+. I sent all my documentation of payments, account balance showing {$00.00} balance. I certified this to Santander & to the president of the company. I never heard back from them. Last year somewhere around XXXX XXXX I received another letter from Santander stating I owe them $ XXXX+. I called them and again explained that the lean had been paid off, that I sent certified letters with all documentation to Santander and a copy to the president of Santander. The gentlemen told me I needed to send them over {$2100.00}. I then told the gentlemen that the title was released to me, along with notarized letter saying my debt had been paid. I never heard from them again. Now on the XXXX XXXX XXXX I received another letter from Santander that I need to pay them {$2200.00} by XXXX XXXX XXXX or they will repo my truck. 
My husband is in the XXXX and we went to XXXX, the civilian attorney called Santander. She told them that the lean was released paid in full along with the title and sent to me. My attorney was told that she would have to talk to the legal department because they could not locate my account with Santander. The person for Santander came back on the line and told my attorney that the legal department was not answering the phone and that the legal department would call my attorney back within 24 hours. She asked for the repo to be pushed off until this matter is resolved. The representative told the attorney they will not push off because I am supposedly something like 1,825 day past due on my payment. They changed their story to the attorney a few times. They told my attorney that they could not find me. This is false because not only did they send my lean release and title to my address in XXXX XXXX, Texas, they even sent the letter last year and now this letter to my current address here in XXXX, Texas. She also asked for a phone number for the legal department so she could call the Santander legal department directly and was told that there is not a number to call and again the Santander legal department will be returning the phone call within a 24 hour time frame. 
Santander legal failed to return the call to my attorney within the 24 hour time frame. My attorney has drafter and is sending out a letter of dispute to Santander. 
My attorney completed some research on Santander and found that this is something that has been happening to several people. She found y'all are having a suit against Santander and forwarded this to me and hopes that I XXXX have enough against Santander XXXX become part of the case. 

Hope ya have a wonderful day ;

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
American Express demands payment of {$230.00} for a {$96.00} charge made in XXXX 2016, plus late fees and interest. 

In XXXX 2016, I received a letter of apology from American Express stating that all charges had been cleared from the XXXX accounts in dispute, including the XXXX with the alleged outstanding balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Hello, I pulled my credit report in XXXX of XXXX. My credit report contained a collection account from Midland Funding LLC. I called the number on my credit report, and was redirected to a Law Firm XXXX, I was then informed that this Law Firm had been retained by Midland Funding LLC. I spoke with a representative XXXX XXXX, followed by XXXX XXXX XXXX of which informed me that there was a pending lawsuit against me. The representative XXXX XXXX proceeded to give me a file number. After the initial phone call, I got flustered and hung the phone up. I then called back and made an attempt to clear up the matter, believing both representives from this law firm were being truthful. I proceeded to give them all of my personal information including my personal financial statement. XXXX XXXX then made a settlement offer. I paid with my credit card {$500.00} on or around XXXX/XXXX/XXXX believing this would settle the debt. After paying the {$500.00} I contacted the magistrate court in XXXX XXXX the representative told me only to find out, that this was account from XXXX that I responded to the summons in XXXX from XXXX XXXX Bank requesting my signature and proof of the debt. I was prepared to appear in court, however the lawsuit was dismissed. I realized I 'd been lied to but figured I did the right thing by paying the {$500.00}. Well about two weeks later, I received a phone call from XXXX demanding a second payment of {$500.00}. I then started to challenge with the information I had learned from the courts. The representative began talking over me, and said the debt would still be reported as unpaid. I 've been calling repeatedly to Midland Funding LLC, and the tactics are getting scary. I 'm contacting you now because Midland Funding LLC has been reporting the debt as unpaid even though I paid the {$500.00}. Since XXXX, I enrolled in credit monitoring, only to find out that in XXXX XXXX, Midland Funding entered XXXX negative entries on my XXXX credit report, XXXX under Midland Funding LLC, and a second entry on the charged off account from XXXX with XXXX XXXX Bank marked as a failure to pay for XXXX XXXX. This action resulted in a XXXX pt. drop in score with XXXX. Midland Funding and all of its affiliates are making a mockery of my credit score and the credit bureaus, by using unfair and unethical practices to strong arm me into paying a debt, that I 've already paid them under false pretenses and AFTER it was thrown out of court in XXXX. I 've requested a signature and itemized copy of what I owe to the original creditor XXXX XXXX Bank of which I am presently a card holder on my husbands account. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AL

Complaint narrative:
My name My name is XXXX and I am a victim of Identity Theft. The thief made various fraudulent transactions or opened a fraudulent account with HSBC Bank in my name. In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( XXXX ), I am requesting that XXXX ( who say the own the account ) provide me copies of all business records relating to the the account identified above. This includes application records or screen prints of internet/phone applications, statements, invoices, and the full accounting history showing how the alleged amount was calculated.The federal law directs that they provide these documents at no charge, and without requiring a subpoena, within XXXX ( XXXX ) days of their receipt of this request. 

Additionally, I am writing to dispute certain information you have reported about me to the credit reporting agencies ( CRAs ). I have enclosed a copy of my FTC Identity Theft Affidavit and police report. Because the information they are reporting is the result of identity theft, and does not reflect my activities, I am requesting that they stop reporting this information to the CRAs pursuant to section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). Please investigate this matter and delete the disputed account as soon as possible. Please send me a letter documenting the actions you have taken to absolve me of any responsibility for the information I am disputing, which resulted from the identity theft. 

Should they find the disputed information to be inaccurate or incomplete, or they can not verify the accuracy or completeness of the disputed information, they are additionally required, under FCRA 623 ( b ) ( 1 ) ( E ), to promptly notify the credit reporting agencies of deletion of this information from my credit file. 

Sincerely XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
My Serve prepaid account was closed. I have yet to request our FINAL statement ledger showing deposits, withdrawal and ending balances. We were only sent some statements but not all. Most importantly the final accounting of the main Serve account as well as the XXXX subacccounts associated with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Midland Funding has XXXX judgements that are liens on my clients ' properties. I have short sale contracts for these properties. I need to clear these liens so I can close. However, Midland said that they can not release the liens because of a pending agreement with the CFPB. They refuse to discuss any type of negotiation regarding these liens. In fact, they refuse to discuss the liens at all because of the CFPB. I need help because I need to get these liens cleared so I can close on these transactions. Time is of the essence because the buyers want to close or they are going to back out of the sales. ( The communication problem is that Midland WILL NOT communicate. )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I originally disputed this on XX/XX/2016 case number : XXXX and no resolution. It 's been reporting on my reports stating reinvestigation since then. Now the same credit card is showing up as a collection account on all XXXX bureaus. It is now listed as Midland credit management. I submitted a copy of my identity theft affidavit with police reports. This is really affecting my livelihood and also my children 's.

Company response to consumer: Closed with explanation