vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Chrysler capital finance company whom I have a new XXXX dodge Journey financed with and was bought at XXXX dodge dealership in XXXX Tx calls me monthly before my payment is due, using foul language saying that I am two payments behind and demanding their money. I got a recent e-mail from Chrysler capital finance Demanding back payments for a XXXX Dodge Ram 1500 Quad cab pickup that Was paid off in full six months ago and again using foul XXXX letter words and threats. They have cussed my wife and have done so with my self. I am going to call them and tell them that due to their actions that I am NOT going to take their abuse any longer and that they are to pick up the car because I do not want to deal with their abuse and unethical practices any more. I know that it will wreck my credit and that I will have lost as far as my down payment & the gap insurance of {$700.00} that I purchased also but I have had it with them. The Dodge Journey was purchased new, I have XXXX miles on it is all. I have sense talked to other Chrysler capital Finance customers who have said that they too are treated in the same horrible manner and further, that no matter what a credit rating is that they finance, whether or not the buyer can pay for they finance the vehicles and charge extreme finance rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: LDF Holdings, LLC
State: MS

Complaint narrative:
I took out the loan. I am currently paying 714.92 % interest on a {$700.00} loan. They are charging me {$860.00} finance charges on this loan. At the time, I was just looking for a quick, no credit check loan. My parents are the ones who told me that this was wrong. I should have done more checking to begin with and I am struggling to pay this loan, because I now live with my parents. Can you help me?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: WA

Complaint narrative:
my co-signer and I had a loan through Santander consumer usa for over two years and kept our end of the contract and paid every month on time. they reported the payments to the credit bureaus. Then I went bankrupt for medical reasons but continued to pay the car loan on time and signed a reaffirmation agreement. they took the entire loan off my co-signer and my credit report and stole any credit i have earned. My car got financially totaled and my car was paid in full after the reaffimation court date. santander refuses to put any of my good work on the credit report. I more than kept up with my end of the deal and they worked hard to not do part of there side of the deal. I have proof and paperwork but no way to upload it onto my computer just ask and I will send them if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I closed a Citibank account and made sure there was no out- standing balance. But Citi did n't take enough to clear a late payment penalty, which should not have been charged, and then in the following month it charged a late fee on the late fee -- in other words, a XXXX % in XXXX month penalty for a phantom bill.

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 2017-02-15 00:00:00
Product: Credit card — 
Issue: Other — 
Company: Synovus Bank
State: TX

Complaint narrative:
I applied for this credit card that i had to pay the credit limit of {$300.00} Dollars and the company where very rude and hung up in my face each time i called so i called to inform them i wanted to close my account. The guy who i spoke with would not give me his name and would not close the account and send me back my remaining balance. Months later due to them not closing the account when i requested late fee 's were added to the account and ended up having me owing {$120.00} Dollars for fee 's i did not create.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
My complaint is on Santander Consumer Bank. XX/XX/XXXX Santander Consumer bank stated a false and misleading statement. I called stating that I sent a payment in but still have n't noticed it changing in my Satander consumer account portal and that I did n't want it to effect my credit. Santander employee stated that he would defer my payment so that the payment can come in heals of stated that he would submit a credit dispute on my behalf and stop any late payment from being reported. I noticed a late payment on my credit report I waited a month and half. Because this employee stated if a late is reported it can take anywhere from 30-45 days to correct. Today is 4 months later and Santander refuses to stand by there statement of removing the late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: WINN LAW GROUP, APC
State: CA

Complaint narrative:
I received wage garnishment at my employer from Winn Law Group collecting alleged debt for XXXX XXXX. They claim the filed a judgement against me but I have no knowledge or documentation regarding this alleged debt. They claim I was served but documents and proof of service claims they served a XXXX XXXX who does n't exist and I have no knowledge of who that person is. I asked for debt validation from Winn Law Group or XXXX XXXX and they have failed to provide it. I just want clarification on this alleged debt. I have attached documents that Winn Law Group has provided along with false proof of summons fromXXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Please help me to get these companies to comply with debt validation and have them investigate. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
XXXX issued a gap insurance refund to Santander Bank in XX/XX/XXXX fro an auto loan. Santander was to re-issue the refund to me. I called on XX/XX/2016 to inquire since it had been 3 months and was told the check was mailed. I called on XX/XX/XXXX to inquire because I still have not received the refund. Santander now says XXXX was to issue the refund ( XXXX ). I called XXXX on XX/XX/XXXX but they have no record of a refund. I called Santander back, as directed by XXXX, to inform them of this and was told there is no record of a refund in the amount of {$520.00}, but on XX/XX/2016 there was and I have a photocopy of the check XXXX sent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-18 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
On XXXX/XXXX/XXXX an arraignment to purchase a vehicle,XXXX Dodge Ram Quad Cab 4 WD Drive Hemi .Was constructed for XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX , Ohio XXXX.Placed upon the lease agreement.An amount for a monthly payment expects a purchaser to forward payments.Recommends an agreement for a monetary settlement.Gives a consumer a right to drive this vehicle.Placed upon highways a legal condition for an operator to maintain an agreement.Was proof a vehicle could enter highways.Gives a right to transport cargos safey to other locations.Requires an arraignment satisfy the State. 
Having been advised to consider making payments to Chrysler Capital.To retain possession of a vehicle.A salesman objects to purchasing this vehicle.Give a consumer a right to own a vehicle.Require the effort of consumer financial protection bureau.To investigate a contract for any discrepances.To give a consumer relief from a financial ovligation to lease a vehicle for an increase in profits of Investors.Reason a considerable reduction would be possible for a consumer to buy a vehicle.P ; ase make sure company representation is willing to release a debt of a consumer.And obtain a financial agreement to purchase a vehicle, outright for an American Citizenship 's increase in his state of independence.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
I never owed this company nor did I sign anything for them to try to collect this debt. This company XXXX is reporting a debt that another company has reported thus doubling the amount that is being reported on my credit report causing it to drop my score and create financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Grant & Weber
State: CA

Complaint narrative:
I have requested proof of the debt they claim that originated in 2012 in from a medical visit at XXXX XXXX XXXX. I have advised them I had insurance via XXXX XXXX in which I would have never visited a medical group outside the XXXX XXXX during that period. I would like proof of the medical debt reflecting my signature authorizing services faxed to XXXX in which I have requested several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Synovus Bank
State: TN

Complaint narrative:
I purchased a building on XXXX XXXX in 2003. The property is deeded to me and I am a XXXX My son secured a line of credit using my property as collateral. He applied for the loan using his credit and income but used my property as collateral. He is a XXXX and the bank took the collateral without properly searching the title. I have a sales contract on the building and I am unable to close because XXXX Bank will not release the lien taken on my property. I have spoken to XXXX XXXX of XXXX XXXX and his supervisor. They keep stating they do not have a fraudulent loan. The loan made was not fraudulent however they allowed XXXX to pledge property as collateral which he has no ownership. The lien is invalid. XXXX XXXX will not give me any information about the loan and initially refused to speak to me because the loan is not in my name. Which is true and why they should not have taken my property as collateral. I am attaching the original deed to XXXX and the deed filed by XXXX Banking in XXXX name.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17 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 purchased a vehicle from XXXX XXXX. In the first retail purchase agreement I was charged XXXX price, but I later signed another XXXX because I removed the extended warrenty. I was told that my payments were going to be reduced and signed that new agreement, yet the loan company has no record of the new agreement

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19 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 XXXX vehicle was repossessed on XXXX. I received a certified letter on Saturday, XXXX XXXX from Santandar Consumer USA Inc. dated XXXX that I had " under Georgia Law , you have the right of redemptionand the right to demand a public sale of the Vehicle. To exercise your right to demand a public sale, you must notify us that you want a public sale within ( 10 ) days from the date of we mailed this notice. You must send the notice by registered or certified mail or statutory overnight delivery addressed to Santandar Consumer USA Inc., XXXX, TX XXXX. '' My complaint to your agency is that Santandar purposely and knowingly timed the attached certified letter to be received on the 10th day after their letter was generated causing the ability for me to respond and exercise my rights under Georgia Statue for a public sale not possible. On XXXX after arriving back from a business trip I have sent Santandar Consumer USA Inc. a certified letter Priorty Mail demanding public sale of said vehicle. My question is how can anyone respond to this timing of their letter being received on a Saturday afternoon. My second question is why did Santandar send this certified letter on XXXX and not earlier knowing that time of essence is essential to get fair market value of said vehicle. I want to know if this has or is happen to other complainants.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I need some help, I have requested several times validation and proof of payments, copy of signed contract etc. I do not feel I owe this company anything and need to see the full history of payments, signed initial contract etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25 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 was sick 2 times during the life of my current 5 year loan with Santander auto USA I deferred XXXX payments to be added to end of loan and I noticed my maturity date was XX/XX/2017 now it sit shows XX/XX/2017 with a balance of XXXX my payment is XXXX so I called and said payoff for XX/XX/2017 is not accurate I ca n't see how loan will mature in XXXX making XXXX payment on a balance of XXXX the math does not add up I said please explain I spoke to supervisor XXXX she said maturity is not accurate you have to pay after that date to pay balance I said it does not add up or make since she said you deferred I said yes that is why my maturity date is now 6 months out no help just fyi Santander is in current class action for same example I am explaining please help I have never been late in 6 years

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 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 purchased a auto XXXX/XXXX/XXXX Santander is the lender for a little over {$12000.00} after taxes and interest. I have missed a few payments and have been late, however I asked for pay off amount XXXX/XXXX/XXXX and was told I owe {$13000.00} because of interest fees and late fees. I do n't understand how I can owe more than what the loan was for, Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05 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:
Recently, I filed bankruptcy. I have elected to keep my vehicle. To be proactive, I contacted the finance company, Santander to obtain more information regarding the process. After speaking with 3 separate representatives I have received 3 separate answers with how to resolve this situation. The final answer I received was for my attorney to contact Santander 's attorney so that the attorney 's could develop a possible plan. I was provided with a number for Santander 's attorney and then provided the number to my attorney. My attorney has contacted Santander 's attorney and to date has been unsuccessful with receiving a return call in order to begin discussion about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Grant & Weber
State: CA

Complaint narrative:
I received a letter from Grant and Weber, when you call the number you get only offer after offer, you can not enter the extension given on the letter. Then you are given a new number telling you the original number has changed, but it is more offers. I am unable to speak with a live person about this debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Grant & Weber
State: GA

Complaint narrative:
Pulled credit report on creditkarma.com prior to filing bankruptcy. Grant & Weber not on report. Filed bankruptcy at the end of XXXX. Went to court in XXXX. Started getting emails about a new item on my credit report. Found Grant & Weber updated my credit report twice for the same XXXX XXXX account that was included in the XXXX bankruptcy, XXXX update was for {$200.00} and second update was for {$200.00}. This account shows active since XXXX but only appeared on my credit report after I filed bankruptcy. I contacted my lawyer who was unable to have the collection activity stopped. I recently filed a dispute with XXXX, the item was completely removed from my credit report but I feel it was never supposed to be there to begin with. The collection account is also from a hospital which I 've never seen a hospital bill appear on my credit report. I also find it strange that almost immediately after filing Chapter XXXX a fresh item of debt was added to my credit. I begin to get phone calls threatening to take me to jail, I ultimately had to change my phone number.

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 2016-02-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
the loan amount is incorrect. it includes {$2600.00} of fraudulent charges

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Dear XXXX, I am XXXX XXXX. I opened a Citigold checking account ( XXXX ) with an offer stating I would receive XXXX XXXX XXXX XXXX ( worth approx. {$500.00} ) after meeting certain criteria ( PROMOTION CODE : XXXX ). I then met those criteria, confirmed with a Citi representative that I had met the criteria, and was told to expect the XXXX miles to be deposited into my account by the end of XXXX. During this time I was charged two monthly service fees of {$30.00} each. Now, after confirming this promotion was applied to my account, confirming that I had met the requirements, and confirming that the miles would be deposited at the end of XXXX, Citi has pulled a bait and switch. They have suddenly decided I do n't qualify unless I can find a postcard from 6 months ago showing the offer. I do n't keep mail around for 5 months, and NOTHING was ever said over the past 6 months about needing to keep that post card. Now I have {$60.00} of fees and I will not be getting {$500.00} worth of Thank You points. I 'm not alone. XXXX of people are in the same situation as me. I 've done XXXX searches and found forums full of people having this problem. It 's not right. I 've been lied to, and my money has been taken. Apparently I have to uphold my end of the terms and conditions by paying a monthly service fee, but Citi does n't have to uphold theirs. Something needs to be done. I hope enough pressure can be put on Citibank to make them honor the promotion they already told me I qualified for. 

Thanks XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-27 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:
I opened a complaint against Santandar a few months ago. They claimed that they would be sending the dealership a check for {$800.00} payable in my name and the dealership 's name to reimburse me for payments made on a loan that was " unwound ''. I did not submit a response because I was waiting on this check to be sent and to be reimbursed. The dealership claims that they did not receive a check from Santandar for {$800.00} or any other amount. I need proof that this check was sent to the dealership. If it was not sent, I need payment sent immediately and would prefer to have it sent directly to me so that I do not have to deal with the dealership about this matter. The old case number : XXXX. I could not respond to it so I started a new complaint. 

Santander 's original response is attached to this complaint. In that response Santandar states that we were supposed to continue to make payments until the vehicle was bought back by the dealership, but Santandar 's customer service representative specifically told me NOT to make payments. This is the reason that I stopped making payments, and, ultimately, the reason that the vehicle was repossessed. 

Also, during this time, when the vehicle was repossessed and sent to auction in the middle of the dealership buying the vehicle back, I was not given the option to take my license plate off of the vehicle to turn into the DMV. I assumed that the repossession company had done so and dropped the insurance on the car since it was not in my possession for 2 months. Because the license plate was not removed and turned into the DMV, my husband has a flag on his license for {$270.00} because there was no insurance on the car for 2 months. It also took the dealership 2 months to get the car released from the auction site that Santandar sent my car to. The dealership drove to the auction site ( in another state and more than 1 hour away from our location ) more than once to pick the car up after buying the car back and the person was turned away and told that Santandar still owned the vehicle. Finally after two months of this nonsense, the car was released to the dealership. The car was released with no license plate, the break tag sticker gone, the oil change sticker gone, a piece of the console missing, and missing paint on the front bumper. 

Thank you, XXXX and XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation