vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-22 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Grant & Weber
State: MD

Complaint narrative:
I owe an auto loan debt for a vehicle that was repossessed XXXX XXXX, XXXX to the XXXX XXXX XXXX XXXX XXXX and was notified by such entity some time between XXXX XXXX and XXXX XXXX that the debt would be transferred to a debt collection agency. Around the end of XXXX XXXX, I contacted the credit union to find out who the collection agency was because I had n't heard anything since I received the letter and they gave me Grant and Weber 's name and phone number. I called Grant and Weber and asked the rep if they had an account for me ; she transferred me and it rang then went to voicemail so I left a voicemail message with my contact info. I have not received any notification in writing nor by telephone from the Grant and Weber agency about how I may make payments on this account. I have contacted both agencies multiple times over the past 3 months and all the credit union tells me is that Grant and Weber has all the information they need and the account is with them. In XXXX XXXX, Grant and Weber told me that they did n't have an account for me. About an hour later, they called back and said that the reason they could n't find an account for me was because they did n't have enough information from XXXX XXXX XXXX XXXX XXXX to establish the account. Grant and Webber told me this approximately 15 months after I received written notification from the XXXX XXXX XXXX XXXX XXXX that the account would be sent to collections. This is a severe lack of due diligence on Grant and Weber 's part! I also do not understand why XXXX XXXX XXXX XXXX XXXX has not been remediating my account with Grant and Weber since I informed them multiple times that Grant and Weber has not gotten back to me and they must know that they have not been receiving payments since they report the account 's status to the credit bureaus! I have been unable to make payments on this outstanding debt for over 18 months! This is completely ridiculous and unfair! I contacted the XXXX XXXX XXXX XXXX XXXX again today, XXXX/XXXX/XXXX and spoke to the representative that I spoke to in XXXX and asked him if Grant and Weber had contacted them about the missing information and he said no, Grant and Weber has all the information needed. He said he 'd call me back within the hour. It has been nearly an hour and no call back from the XXXX XXXX XXXX XXXX XXXX XXXX All I am trying to do is take care of my responsibility now that I am employed and able to make payments. This is emotionally, mentally, and financially draining!

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 2016-09-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
this is a supplemental complaint about Santander Consumer USA They failed to provide any documentation that they actually moved XXXX payments to the end of my loan as promised. Nor did they ever send me the necessary paperwork to sign to authorize this. I am demanding that they provide documentation and I also demand they provide transcripts of all phone calls between me and the various customer service representatives, they claim all calls are recorded. This will confirm my earlier statement that I have been told by various representatives I can make the minimum payment of {$180.00} and will be current.

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: GA

Complaint narrative:
I am receiving calls from a company called Santander Consumer USA/Drive Financial XXXX XXXX ) who keeps contacting me regarding a XXXX XXXX. I informed the representative that I have no idea who that is. I also informed the rep. to discontinue calling my phone number, but they still contact me regardless.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Green Square Company LLC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Group is calling me saying I have not paid on a payday loan from 2008 saying if I do not pay them I will go to court. I said I want proof sent to my house of this loan default and they said they will not send anything to my house until I give them my credit card information and set up a payment I did that and fell for it and they got XXXX payment of XXXX dollars and then I stopped it. Its been three months since then and noting is sent to my house I now know this is a scam looking up this number on XXXX and the HUNDREDS of complaints about them and this phone number.. I never took out a loan and it never showed up on my credit report ever. So they got XXXX bucks from me and I closed out my debit card. I told them to take me to court then. So they called and said they sent all my information to the county I live in and consider myself served if I dont pay the rest. OVER THE PHONE ON A RECORDING too boot.. So now I know for sure that its a scam. Now they got a hold of my sisters phone number after I have blocked them and probably will be calling my work soon. Please get them to quit calling me they will not give me any information about themselves except the phone number and the name she also said they are located in XXXX New York probably a lie. I know I lost that XXXX dollars that 's not the issue. Just want the calls to stop and a miracle these people go to jail. 

Thanks

Company response to consumer: Closed
Consumer complaint received 2015-05-22 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
In XX/XX/XXXX and XX/XX/XXXX, I XXXX XXXX XXXX, had reported fraud to all three Credit Bureau. Someone got a hold of all my credit cards and social security number, and was purchasing things in my name. XXXX XXXX XXXX is not my debit. This has been ongoing for 9 years now. If this was my debit I would have no problem paying it, but this is not my debt. Can someone look into this so I can put this behind me? At the time that this happen in did n't know I had to report this to the police and get a police report. I went to apply for something and when they rejected me I asked them why and they told me I had too many negative things reported on my credit report. When I told they what happen they asked me do I have a police report on this, and I said no they told me I should have report it and I did. The law office was provided with old credit report to show that I had a fraud alert on my credit and I also provided police report to both XXXX, XXXX Receivables as well as the law office involved in the case. XXXX XXXX XXXX from XXXX in XXXX is my financial counselor helping me ; her phone number is XXXX, you have my consent to discuss the matter with her.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
When I call Santander Consumer USA they state that my account is open and active, however my credit reporting is stating my account was Charged off. My payments were delinquent and upon seeing they closed my account I contacted Customer Service and paid my account up to date and had it reactivated immediately in XX/XX/2016. Agent I spoke with said my account would be active and I could go back to making regular payments. I have always had possesion of my car, it has never been taken. Since then I have made all payments early for 3 months, but account was verfied as closed. I called to discuss the account and was informes it was opened but because at one point it was charged off the reporting status would not be changed and my current up to date payments would not be reported. They suggested trading in or refinancing vehicle. If my account is active, payments are up to date, and I have never lost possession of my car their reporting of my credit status should reflect that.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-23 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Flagstar Bank, National Association
State: NC

Complaint narrative:
sent all the informatio that was requested yet the company claims they did nto get it ..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: NV

Complaint narrative:
All payments are being made using online banking with XXXX. 
Took out the loan in XXXX 2016 with Santander Consumer USA and started making payments in XXXX. The due date is the XXXX of the month and the online banking was set to credit them on the XXXX. 
In the 8 months that I have been paying on this loan the company has lost my payments 4 times and the payment of {$500.00} made in XXXX is still not credited to my account. They have also credited a payment to my account that I never made and have since removed that payment. I have late fees and extra interest owed. My bank has contacted them and sent proof of payment and still no one knows where my {$500.00} payment is. My fear is that my credit rating will suffer because of their incompentence.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: KS

Complaint narrative:
They keep calling me and upsetting me about payment on our car loan but they are not sending any statements out so we can pay them my lawyer told me that they are suppose to do that and they are not to charge us any late fees if they are no send any statements to pay them. we both have been sick and have not been able to work yet but we are XXXX and have rights like everyone else has to have respect from other people and they must not go to church to learn how to treat people. Can you please help I have had to block them off of my cell phone and disconnect my phone just because of them idiots. My lawyer said they are not to have any contact with me until they send me the right stuff to pay a payment and to erase all the days that it is late. they are to work with us on this I thought since we were XXXX XXXX years of age they would have more compassion and understanding and help us out my lawyer said if they keep doing what they are doing he will sign a court order to make them say that the car is paid in full and quit upsetting me and making me sick. we have had other bills and medical expenses come due so we had to cut something out and still so far behind but hopefully we will get caught up.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
my problem is with chrysler capital. The day XXXX XXXX, my car XXXX XXXX and was a total loss. the manufacturer does not want to pay and this in court by the Lemon Law. I kept making payments for automatic debits chrysler capital. and they reported that I am 60 days of nonpayment, and my credit under XXXX points which is very bad. I took 3 months in this situation and they just say sorry and I will fix it. THANK YOU VERY MUCH FOR YOUR HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I leased a 2014 XXXX XXXX and have had continuous transmission issues. ( This is well publicized in " car '' literature. ) Over the past year and a half, I have had the car to the dealer XXXX times, and XXXX updates have been performed. The service manager confirms the bucking that the transmission does when accelerating from a near stop. The motion is akin to being held by a rubber band and then let go. At present, the XXXX XXXX team and dealership are contemplating what to do next. There are no more software updates available, and they have been largely unsuccessful in remedying the transmission bucking. *The drop down box below requires the selection of a description of the issue, however, none apply, and thus XXXX was selected randomly. *

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Peerless Credit Services Inc
State: PA

Complaint narrative:
Please help me ; these are just some of the debt collectors whom I do not owe money to are calling ; They demand your social security number or name and address before speaking to you then say they can not divulge any of their info or who they are ; Please keep them from calling my phone ; I have been registered since 2000 and re-registered over and over and I still get these calls ; The following numbers are ; ... XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; 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 2015-08-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I called Chrysler Capital ( Santander ) and asked them how they was able to secure my vehicle when they could not legally or properly VIN my unit. They attempted to stated they do n't have to provide information but they can tell by the plate ... I then Saud they have to read it off the unit. They then ignored me and said it was done legally. I confirmed no they did n't and she then went into ignoring me again. She refused to explain how they could repo a unit with out following legal process.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-26 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Financial Accounts Service Team Inc.
State: TN

Complaint narrative:
Was contacted by an employee of the Financial Account Services Team ( " FAST '' ) on behalf of debt owed to XXXX ( " Creditor '' ). Was told by the employee that unless the balance was paid in full immediately, a judgment would be filed. Told FAST the money being requested would not be able provided and would need to make payments on the account. 

Employee indicated " it was time to stop playing games and that FAST had tried calling many times to resolve the debt. '' Told employee was unaware of the collection efforts but agreed the debt was valid and would make payments if FAST agreed to such ( and not file a judgment ). Employee stated, " XXXX XXXX, payments will not be accepted and it is time to stop playing games and pay the balance in full, otherwise a judgment will be filed. Stop being ignorant. '' Told member such language would not be tolerated and hung up. 

Contacted the Creditor and explained the circumstances. Creditor indicated a call would be made to FAST to see if any arrangements could be made. Received a call from the Creditor indicating FAST had agreed to make payments. Creditor also apologized for the inappropriate actions of the employee of FAST. 

Immediately contacted the employee of FAST to schedule payments and was forwarded to another employee. Employee set up payments and apologized for the actions of the other employee. Told FAST that the initial employee was no longer allowed to call again. 

It is my understanding this type of language is a violation of section 806 of the Fair Debt Collection Practices Act, as it is inappropriate to call a consumer ignorant. Per the Federal Trade Commission Staff Commentary on the Fair Debt Collection Practices Act : Section 806 -- Harassment or Abuse Section 806 prohibits a debt collector from any conduct that would " Harass, oppress, or abuse any person in connection with the collection of a debt. '' It provides six examples of harassement or abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
This is my third complaint against this company. After doing some more research on my situation I feel that I may be a victim of discrimination from the dealership I got my loan through. My state 's usury law states that any loan with interest over 18 % is a violation however, car dealerships can be exempt from this law if they have a license. So I would like to know why the dealership charged me 18.23 %? My last name is of XXXX XXXX origin spelled XXXX XXXX XXXX. Perhaps the dealership markup was due to my race? I want some answers. I have contacted the bank lender Santander Consumer USA and they told me it was within the rights of the dealership to markup the interest above the state legal limit. So, why did they do it? Do I have a case to take some legal action? If discrimination is n't the reason why the interest rate exceeds the state legal limit then what is the reason? Did this dealership have the proper license to markup the interest? Apparently, there is a special license needed by the dealership. I would like proof in writing. I have considered taking legal action against the lender because they should know the usury laws, so this bank and all banks should be held accountable even when dealerships markup the interest rate, and paying more close attention to minorities like myself to make sure their customers are n't being taken advantage of. I feel that I have been taken advantage of severely. I owe XXXX still on a car that was bought used and now only worth XXXX. I have a simple interest loan, so I am paying {$6.00} a day just in interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: APPLE FINANCIAL HOLDINGS, INC.
State: NY

Complaint narrative:
I was charged a {$35.00} overdraft charge when I had expressly asked my bank to never overdraft my account for any reason. Not only that, but I also had made a deposit the night before that would more than cover the small charge that my bank ( Apple bank ) was claiming merited the {$35.00} overdraft charge. 
This overdraft charge seemed unfair, unreasonable, and avaricious. I talked to the phone customer service, who was unhelpful and told me to talk to my local branch, and I then talked to my local branch, who told me they did not have the authority to overturn this charge, when they have in the past. They then asked me to fill out a form to request this charge be overturned. But they seem unhelpful and unwilling to listen to what I have to say and they seem to be more concerned with profiting off of my bank account then in offering legitimate and professional service. 
I 'm contacting your office because I believe you exist for this type of low-level crime that banks get away with consistently and wind up profiting off of these kinds of seemingly innocuous situations to the tune of XXXX of dollars every year. 
Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Hosto & Buchan, PLLC
State: AR

Complaint narrative:
XX/XX/XXXX purchased laptop from " XXXX '' on account. I lost my job and XXXX. Who Knew ... When it rains it pours. It was a recession. I did not see it coming. I was unable to pay any bills including my mortgage and utilities. The account went into delinquency and later turned over to webbank to collect. XX/XX/XXXX the account was sold to attorney " Buchan and Hosto '' in XXXX Arkansas. Thats when all hell began. I returned to work and of course after being unemployed for over a year, and working now for less money, I still am in hardship. " Buchan and Hosto '' harrassed and threatened for over a year. They taxed and added on astronamical fees to the actual cost. They finally got a court order to garnish my salary. I forwarded a letter to the judge explaining my financial situation and hardship. I beg for mercy from the court. I explained the numerous medical bills I know have and the need to heal in order to work. My " little '' salary was garnished. For 4 months 30 % of my salary was taken and given to " Buchan & Hosto ''. A month after said amount was satisfied, my salary was AGAIN garnished from " Buchan & Hosto '' for additional accumulated interest fees. 7 years from XX/XX/XXXX, I am sure this account has been written off. " XXXX '' has received a credit from the government in taxes for debts annually. Where is the statue of limitations? Why do we as consumers must be punished over and over and over for the same purchase? We suffer the credit bureau as is. Then the attorneys go on a blood thirsty hunt to take your money. No matter what. If, I had not started to work and depended on the state or government to support me ; the govt would not pay any debts especially for a computer. I feel my medical bills are more important than a credit account. Double standards! The government has limits but the consumer " it 's open game ''. Garnishments from salary should not be a free for all debt collectors. I think the judge, never even read my letter or maybe they all work togeather. This is unfair. The consumer should have more protection. I only thank " XXXX '' I did not lose my home and was not put to the streets.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Green Square Company LLC.
State: CA

Complaint narrative:
have been called for XXXX different numbers regarding a pay day loan from XXXX XXXX XXXX stating that i will be served court paper work for an amount owed of {$150.00} and it must be paid or legal action will occur.

Company response to consumer: Closed