vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-22 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Grant & Weber
State: CA

Complaint narrative:
Grant & Webber has not corrected their report to the major credit reporting agencies that their claim to me for medical costs has be settled circa 30 days ago. This is the only ding on my credit and is a false report until corrected by Grant & Webber. The false statement is that I owe anything at all, since this was settled by my lawyer and hence Grant & Webber is attempting to claim or says they are owed monies they are not owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: On-Site Manager, Inc.
State: TX

Complaint narrative:
I have this company www.on-site.com posting a judgement on my credit report. They do apartment complex screening. I have sent this company information regarding the judgement and letter from home owner involved and company still has not removed this report yet. I have also sent them information on accounts paid off by me and they never updated any information on credit report. they dont provide you with information on how to dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-20 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Grant & Weber
State: CA

Complaint narrative:
I received a medical debt in the mail that was not mine. I wrote the collection agency Grant & Weber, to inform them the debt was n't mine and I was a victim of identity theft. They never responded to my request or even replied " and again I disputed the debt because it was n't mine and was a result of ID Theft. 

This debt is fraudulent and has never been validated. It was been past the 30 days as law provides to validate this debt nor did they reply to my dispute as law directs them to do so. 

I applied for a credit loan and was denied due to their frauudlent reporting. 

I then check my credit and found the collection agency reported this fraudulent account on my credit file causing a major credit diminish to my exceptional credit. 
This collection agency never validated this debt within 30 days and then knowingly and purposely reported this fraudulent account that is not mine on my credit report. 
This a defamation of my character, malicious intent and a violation of my FDCPA, CA Rosenthal Act and California Identity Theft Act

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
XXXX XXXX of XXXX, Florida forced me into getting a XXXX XXXX. I went into the dealership only to look around. I salesman asked me if I see something that I like. I said no i 'm just looking around. He ask if I wanted to see if I qualify I agreed. I make it very clear I do n't want a vehicle only to see if I qualify. I did n't bring money, or anything else. So after he seen my mom and aunt leave the dealership, he approved me for a loan. My mom and aunt went to the store by the dealership, and was coming back to get me. The manager, and the salesman forced me to get the XXXX knowing I did n't qualify. My credit score is low, plus I work part-time. I stated that I did n't want a vehicle or loan. They knew I told them I was n't purchasing one. After they said that I said I did n't want it for XXXX minutes straight. They said the bank gave me the car and that I ca n't leave the dealership without the car that they picked out. I felt harassed, and forced to get something I did n't want. The manager said if I did n't take it he was sending it to my house. For one I was violated, two I did n't know what was going on, or what scam the had going on at the time like I do now. The took advantage of my grandmother she said she would co-sign if her son was present. He was not present she was forced also to sign the manager told the salesman to drive to her house to so she could sign. My grandmother does n't remember signing anything, she has early dementia. It was late it was time for me to take my XXXX medicine l was very confused at the time they back me in a corner basically and threatened me. I received a letter from the XXXX corporate office stating that we did n't qualify. I have been trying to call the dealership in XXXX, Florida. The manager XXXX has been rude, also general manager XXXX. I have been trying to stay in contact with bank so we can be released off of the loan. I received a letter from Santander Consumer USA, stating we did n't qualify. The president of the bank said he 's waiting on XXXX to respond it 's been a month they still have n't heard from XXXX XXXX. The manager at the dealership is still trying to qualify me for other auto loans without my permission. We are tired of this nightmare. The bank is in on the scam with the dealership. They forged our information and rolled back to the odometer. The bank knows everything that 's going on and they are lying about it. The dealership is stealing our information for us to keep the car when they know they messed up so now they trying everything they can to make me keep the car. I want something done about this, they have taken advantage of a lot of people that came through there the bank to they have a bad reputation the bank just had to pay a lot of people back because of fraud. I been gave the car back XXXX days later

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
This is an RV loan negotiated XX/XX/XXXX with XXXX. In XX/XX/XXXX the loan was transferred to Santander Consumer USA. The loan is at 7.25 %. We have called numerous times the latest being on XX/XX/XXXX to ask again that the loan be renegotiated to what the Nat'l average is now between 3.25-3.50 %. They have refused and just today we found out that it is because they did n't negotiate the loan in the first place. We were never told this. No other loan company will work with us either because the loan is {$100000.00} more than what the RV is worth. There are 10 years left on the loan. If we walk away from it-which we really do n't want to do-they wo n't get their monies as we are seniors living off Social Security and annuity.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: LDF Holdings, LLC
State: MN

Complaint narrative:
I noticed a deposit on my bank account for {$500.00} from Radiant XXXX that I did not apply for.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: Green Square Company LLC.
State: WI

Complaint narrative:
I have gotten several calls from someone representing themselves as PRG. They claim that I wrote bad checks for a payday loan I did not take out and then claim that I never attempted to pay a company back, and threaten to serve me with papers if I do not pay them. They refuse to give me any information on this supposed debt or send me anything in writing, they just ask to conform my social security number and banking information.

Company response to consumer: Closed
Consumer complaint received 2016-05-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: NM

Complaint narrative:
I work for XXXX XXXX XXXX, AZ but lived in XXXX, AZ. We were Furloughed in XX/XX/XXXX and lost wages as a result. Fell behind on a lot of bills, including one for Santander. I tried, but it seemed that the payments never made a dent in the loan to include the late payments. It got so bad that that they threatened to take away the vehicle, a XXXX Ford Ranger. So I voluntarily surrendered the vehicle. I was at work when my wife called to report Santander picked up the vehicle. That day was XXXX XXXX, XXXX. I later learned, from my XXXX XXXX, that a claim was made against the vehicle. I explained to XXXX that the vehicle was surrendered back to the Lender and the conversation ended there. Upon renewing my Insurance with Progressive XXXX XXXX, XXXX, XXXX reported that their quoted rate of {$560.00} has changed to {$700.00} plus dollars because of a No-Fault Accident that I was involved on XXXX/XXXX/XXXX. This is impossible as I was at work at the time of the questioned incident. I paid the difference for the insurance. XXXX gave me a toll-free number, XXXX, so that I can dispute the accident and get a report of the details. I have been unsuccessful. After 40 seconds of instructions about this XXXX service the call ends apologizing for services being unavailable at this time and to call again. I have tried twice and am very frustrated. I recently received a letter from a Law Firm representing Santander ( Ref. XXXX ) to collect {$15.00}, XXXX. I refuted that charge as I refuted Santander 's settlement for me to pay {$6000.00} several months ago when they stated {$12.00} ( approx. ) was outstanding after the sale of the vehicle. This seems highly suspicious. Not sure what 's the deal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: OK

Complaint narrative:
I received multiple calls every day in the same day stating i have a payment due I advised the company that I do know that there is a payment and that they are not allowed to contact me multiple times a day

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
I sent a letter to Santander Consumer USA letting them know I had been a victim of identity theft years before the accounts had even showed on my credit report and I provided my supporting documents and police reports made about the identity theft and Santander Consumer USA refuses to delete the fraudulent accounts from my credit report stating in a letter its verified Santander Consumer USA provided no physical evidence to why they wo n't remove it, according to the FDCPA and FCRA they have violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. If they do not delete these accounts that are not mine that resulted from identity theft I will exercise my legal rights and file a civil suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Green Square Company LLC.
State: FL

Complaint narrative:
I got a call and voicemail from a XXXX XXXX. Called her back at XXXX xt XXXX and the phone was answered by someone else. XXXX then got on the phone and told me she was with Premier Group and that I owed money on a default loan to XXXX XXXX XXXX and needed to pay it back. She originally could not locate my number or name in her system. Then when I verbally spelled it out she said oh yeah there you are. When I asked her to send information in writing she told me to hold on and then there was music playing. Then a man got on the phone and basically told me that I was n't asking him the right questions and that if I intended to pay that I would be asking him how. When I told him that he needs to send me something in writing he told me that I had to setup a payment agreement first. When I told him I would not do anything without proof of his claims in writing he told me okay fine and hung up the phone. I have looked them

Company response to consumer: Closed
Consumer complaint received 2017-03-25 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
My daughter purchased a car from Santander bank. She has made all the payments and the car is completely in her name a XXXX. I made XXXX payments for her because she needed some help in XX/XX/2015. I am not sure what happened but the next thing I know Santander is calling me to make a payment for a car I was not liable for. It got so bad that one of the representatives told me I was liable for the car and they kept telling me I was. I finally got sick of it and got an attorney due to the continued phone calls. To my surprise they offered a settlement of paying off the car with a little cash but I have to turn in the car. How can I possibly turn in a car that does not belong to me. I did have another loan with Santander where I co signed for a car but that car a XXXX was repro 'd and I take full responsibility for that but the XXXX has nothing to do with them calling me and demanding payment for the XXXX. I am so frustrated at this point. There are recordings of calls made to me after the XXXX was repo 'd that had nothing to do with the XXXX it was about the XXXX. My daughter is now seeking legal advice as well based on Santanders actions. I do n't understand why they still believe I have ties to the XXXX when all documents ( the contract ) does not have my name anywhere. I think Santander is ridiculous and should get their books in order.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Green Square Company LLC.
State: NV

Complaint narrative:
Received a phone call. Person spoke very fast and know personal information. Claimed that I owe for a payday loan from payday.com from 2008. Would not let me dispute the age of the loan and when I asked for written or emailed information was told that I would receive it after payment. I agreed to a settlement payment and then researched the company and found that they are scammers. I stopped payment and now they are calling me for that.

Company response to consumer: Closed
Consumer complaint received 2016-09-29 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: FL

Complaint narrative:
Your company cashed checks from the insurance. THIS AUTOMOBILE WAS IN A FLOOD AND TOTALED OUT. Nothing received mentions that. At the time of the sell did you disclose that this automobile was in a flood? I do not agree with this statement says I owe XXXX when I had insurance and the car was deemed totaled out. I need some help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I am having a problem with Santander Consumer. They are reporting late payments on a vehicle loan for which I have paid off. The account is closed. However these negative payments are adversely affecting my credit score and causing me to be turned down for credit. I have no such knowledge of all these late payments. I wrote to Santander on XXXX XXXX, 2016 disputing these late payments and asking for validation of such late payments. I have attached the letter. It was sent Certified mail and signed for by Santander Consumer on XXXX XXXX. 60 days later and I never received a response. Santander failed to provide validation and they violated the Fair Credit Reporting Act by not providing the Credit Bureaus a notice of dispute within the required time frame as evidenced by my credit report dated XXXX XXXX, 2016 where the account was not marked disputed which I have also attached. According to FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ XXXX XXXX. XXXX ] ( XXXX ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section XXXX ( p ). 
As Santander Consumer is violating federal law ( and they still have not marked it disputed more than 90 days later ) and causing damage to my financial well being, they should remove the account and /or late payments from the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
I am not the person that they are looking for and they keep calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I purchased a vehicle and the sale contract apr rate is different from the loan company 's rate. The sale contract has the apr as 13.39 % and the loan statement shows 13.91 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: AR

Complaint narrative:
I purchased a car through Santander Bank and the car was refinanced through XXXX and paid it off early 2 years early. But this is still being reported on my credit report. I have requested that it be removed multiple times but it has n't it. 
I was no longer under the agreement as I paid XXXX of XXXX XXXX. 
I would like assistance with getting this removed off my XXXX credit reports. This has been pai paid off for 7 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
In XXXX XX/XX/2014 I spoke to a rep @ chrysler capital, she asked me if I wanted to change my due date ... I told her I wanted to change my due date to the XXXX of each mo. This was n't done. I found out on XXXX XXXX that this had n't been done. The supervisor acknowledged to me that this was their procedure, but would have to lodge the complaint with their president 's office. I spoke to XXXX today, XXXX XXXX, she informed me that they did n't have access to the recording and I should of paid attention to my statements. I asked why there was no recording, she stated they only keep them for 30 days & did n't know why this was their policy. Her only answer was to remove my late fees but not to fix my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: RELIANCE FIRST CAPITAL LLC
State: PA

Complaint narrative:
We were refinancing a Loan with Reliance First Capital , LLC XXXX, New York, XXXX. It has been 1 year and 6 months to try to refinance!!!! 
They are incompetent, they cover up mistakes their employees make on mis-information on the forms you fill out just to extend the length of the processing.. They double talk you and repeatedly ask for information that you send to them over and over again just to drag their feet on the loan process. We paid them {$650.00} in fees for appraisals only to be denied the loan. 
How long does it take to get a home refinanced? Please, BEWARE OF RELIANCE FINANCIAL. I would not wish this experience that we went through to my worse enemy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: NH

Complaint narrative:
I got a loan from santander consumers usa for 72 months. I have made a late payment. When it was time to make a payment i dont see the late fee along with my current payment. They set kept my principle aside and make me make the payment more on the interest then the priniciple. I was told that i have 5 months to go but pay off is more then 5 months of payment. I have never experienced like this before. I wanted to trade my car but I cant due to the screwed up car loan.

Company response to consumer: Closed with explanation