vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Wanted to check rates on RoadLoans.com ( part of Santander ). There was no language on their website indicating that there would be a hard-pull on my credit reports. Many websites and banks use this " pre-approval '' feature ( such as XXXX and pretty much every major bank via direct mail ), but those " pre-approvals '' do n't negatively effect your credit until you complete an application. The banks are typically very transparent and make it clear when a soft-pull is going to occur vs a hard-pull. Roadloans.com 's process seems unfair and deceptive due to the absence of any relevant disclaimers, or any language on the application site describing the implications of submitting information to RoadLoans. Any reasonable consumer could get confused and, like me, unwittingly submit an application for credit rather than an application to receive rates. For full disclosure, I used a nickname instead of my real name during the application because, frankly, I did n't think it 'd matter given the fact that I was just checking rates. I did, however, use my correct SSN ( in order to get correct rates ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
My loan company accessed my personal phone records without authorization and called random numbers. The company is XXXX, I do n't know when and how this access was done but since I first learned this people have informed me XXXX called their number. These various people and arenumbers not associated with my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Green Square Company LLC.
State: KY

Complaint narrative:
I have informed this company on several occasions that I am not allowed to receive phone calls at work. I spoke to a representative on XXXX/XXXX/15 who assured me he would remove my information from their system and I would receive no further calls at work. He transferred me to an office manager who asked me to verify my social security number. I refused and asked to be mailed information, and he hung up on me. Today, XXXX/XXXX/15, I received a voicemail on my work phone from this same company stating that my claim had been escalated to litigation as I had refused to contact the company and make a statement on my own behalf. Once again, they have left a message on a phone that my supervisor has access to.

Company response to consumer: Closed
Consumer complaint received 2016-02-29 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 bought a vehicle and financed it through Santander. The vehicle was not in good mechanical condition so I traded it in only a few months after. I signed a contract and the dealership agreed to pay it off and mailed a check. They unfortunately mailed it to the wrong company. Once found they sent out another check and canceled the first. This time Santander did n't report receiving it right away. They are reporting a XXXX90 day late to XXXX of my credit reports. I am requesting that the latest be removed. I have tried to work this out with Santander and XXXX different operators. All of which have a poor attitude. The worst was the vice president of credit disputes. XXXX XXXX XXXX. He scolded me for waiting untill now to contact him. He also at XXXX point said that he was not going to do anything for me and compared me to a XXXX. He actually said " what do you think would happen if I deleted all the late payments for the XXXX people, then all the XXXX would be calling me and XXXX about unfair treatment and expect the same '' I was and still am shocked. He did n't even get what he had done after questioning him. I explained the situation to another rep and she justified it by saying 'thats just a statement that we use in the business and if we are guilty, than everybody is guilty. '' XXXX will not call me back, another manger. XXXX yelled at me and said I would n't have had this problem if I just paid my bills on time. Knowing full well that it was an issue with the dealership and Santander. My account ( # XXXX ) is heavily noted and everyone agrees that the dealership made a mistake. I should not have my credit harmed for this situation. I paid my bill on time while the vehicle was in my possession.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Green Square Company LLC.
State: IL

Complaint narrative:
I received a call from a company called XXXX and they said that they are legal aids for XXXX XXXX, an attorney in New York. They said that they are representing XXXX XXXX XXXX and that they want to resolve a debt that i had back in 2005. I talked to someone named XXXX XXXX XXXX, and when he was trying to confirm who I was I was asking him what company he was from and he began to get hostile. Then as I proceeded to tell him that I wold like my debt in writing he hung up on me. When i called back I talked to a XXXX XXXX XXXX and he started out being somewhat nice but when I proceeded to tell him I wanted my debt in writing he became hostile. He told me that all he could provide me with was a payment arrangement and I told him that I was n't comfortable making a payment arrangement without getting the debt in writing. He proceeded to talk over me then he proceeded to yell at me and say " ARE YOU A CRIMINAL? ARE YOU A CRIMINAL? Since you do n't want to resolve this then GOOD DAY. '' and hung up on me. When I called back to get an address so that I can send a written cease of communication notice no one is picking up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: NV

Complaint narrative:
I had a loan with Santander USA and paid off the car. I have an overpayment of {$350.00} and I 've been waiting since XXXX for my refund. Each time I call, I get a different answer on when I will receive my refund. The employees are extremely rude and condescending. I made every payment on time and I am getting treated like dirt now. I am not even sure they were applying my payments correctly for the last 5 years. The customer service says that the accounting department does not have phones so I ca n't request a breakdown of payments made. This company is a scam!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report shared with employer w/o consent
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I think I 'm a victim of fraud because I receive a email saying my car loan is pending I never apply for any car online, I 've been contacted trough the phone for a application for a job the same day and they ask me my information that 's why I think there is a fraud. 
Please I 'm a new resident and I 'm building my credit since 5 months and I will never apply for any loans because I 'm new with the credit score .thats why there is a fraud they even misspelled my last name on the application

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
I recently successfully completed a chapter XXXX bankruptcy plan. During my plan, my mortgage company was sold from XXXX XXXX M & T. Since my loan was purchased by M & T, I have had XXXX problem after another. While my bankruptcy was still active, I did n't receive anything other than what was basically a blank statement. Although I continued to make my mortgage payments to them directly, they never reflected my payment, balance, interest or escrow information on my monthly statements. Once my bankruptcy was completed, they dropped off an envelope on my doorstep and the only information on it was a handwritten name of M & T and a phone number. This was my first notice that there was a problem with my mortgage account. It took me two weeks to get a hold of them. When I talked to the asset manager I was told that she did n't see any payments missed on my account, it was probably a clerical error and she would have to request a complete payment history which would take 2 weeks. During this time, I applied to refinance my home. During the underwriting process, my loan was put on hold because M & T reported to the prospective loan company that I was XXXX payments behind. Again, it took me a week to reach someone at M & T. I was told they received the payment history and that I had n't missed any payments with them. Around XXXX, they advised they would have to send the dispute to the escalation department which would take an additional 2 weeks. Within a few days I received a letter from M & T stating that I would have a resolution on XXXX XXXX. On XXXX XXXX I called and they still had no resolution for me. I was told this day after day for several days until I requested it to be escalated to a supervisor. I was then given a firm resolution date of XXXX XXXX. It is now XXXX XXXX and I still do not yet have a resolution. It has been 3 months now since I have been trying to figure this out. I have received XXXX more " doorstep '' notices since the first XXXX with no actual information on them and no information from M & T stating why the status of my account is showing that we are behind. This has ruined my opportunity to refinance my home. I feel that it is a business tactic to either foreclose on my property or keep me from refinancing. It has been very, very difficult to get a hold of them and/or to wait for a return call which rarely comes. It has been more than a reasonable amount of time for them to complete their investigation and explain to me their position on the status of my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: M&T BANK CORPORATION
State: WA

Complaint narrative:
My property has a foreclosure sale date for XX/XX/XXXX. My servicer is M & T Bank. They rejected me for a loan mod and I have engaged agents to sell my home as a short sale. My agents have continued to provide everything needed for short sale, the only thing left to be done is for the servicer to order an appraisal/valuation to compare it to the value. M & T is refusing to do this, saying that they need more time to upload documents. My agent has ALREADY verified that all documents were recieved, and has previously been told that 48 hours is the upload time, but NOW M & T ( XXXX to be specific ) says it 's a minimum of 5 days. I believe he is stalling in order to send us to foreclosure. We have a GREAT offer on the table and there is NO reason they are refusing to work with us. I do n't know if they think they 'll make money or what?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Suburban Credit Corporation
State: VA

Complaint narrative:
There is a company listing many collection accounts which I have requested validation and nothing has been received. Is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Atlantic Credit & Finance, Inc.
State: VA

Complaint narrative:
When I kept on asking for validation of this debt they told me at first they could n't provide it. Finally a " supervisor " emailed some of my bill, the letter they sent hasXXXX The orginial debt is XXXX I want to even negotiate.

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 2016-10-17 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Synerprise Consulting Services, Inc.
State: OK

Complaint narrative:
On XX/XX/XXXX I checked my XXXX credit report and a new collection debt was added. The debt collector is Synerprise Consulting Svs INC, the original creditor is XXXX and the balance owed is {$370.00}. The date the debt was opened was XX/XX/XXXX. I have not received any correspondence from this company about this debt and I 'm confused as to why this is just now showing up on my credit report from almost 5 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: National Account Services, Inc.
State: IL

Complaint narrative:
long time ago I have opened bank acc in XXXX bank, this is not my transaction or order, somebody use my card info for take money from my acc after I do closed this acc with no more use and my interest, now I see this collection in my cred report - I make dispute, but bank no responde me nothing,XXXX bank no ha have good service for customers! I want pay this collection, against this is not my transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC
State: PA

Complaint narrative:
I have disputed this with the XXXX credit bureaus. I just received one of my disputes stating this bill of {$78.00} has not been paid ... This bill has been paid on XX/XX/2013 RE : XXXX in the amount of {$78.00}. I have even overpaid by {$0.00} and is still showing up in collections on my Credit Report. I have a letter from XXXX reflecting the payment of {$78.00} on XX/XX/2013. I want this deleted on my XXXX Credit Reports, or showing this has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
I have multiple checking accounts with M & T bank and have had accounts there since I first opened an account with a local bank as a child. The bank was bought several times and has been M & T for many years at this point. I am aware that they have an excessive fee structure, so I take painstaking steps to avoid any kind of possible fees including keeping the bulk of my funds in credit unions and online accounts such as XXXX XXXX in order to avoid their extensive ATM fees and lousy savings account interest rates. I have even opened up lines of credit for almost every checking account I have with them in order to avoid overdraft fees. I basically only deposit enough money in my M & T account to pay my monthly bills via web bill pay and checks. Their web bill pay is the only financial service of value to me. Their rates and service for loans, credit cards, etc are so poor that I never even consider them when shopping for other financial products such as a vehicle loan. 
This week I happened to overdraft my account by {$1.00}. Fortunately I have a line of credit attached to the account so they did me a huge favor of transferring {$1.00} from that line instead of charging me the typical $ XXXX dollars for an overdraft. I watch my accounts constantly via XXXX so, seeing the transfer, I logged on the following day and transferred some money from XXXX of my other accounts ( I had over {$1000.00} on deposit with the institution at the time ) and then transferred the {$1.00} back to the line. For the service of providing me the {$1.00} for less than XXXX hrs, they decided to charge me {$12.00}. I work next to an M & T and have a great relationship with the manager, but as I 've learned from previous experience, the branches have no control over fees associated with the automated system, so I figured I would just call their customer service line and discuss this with someone there since they have effectively removed customer service from the branches. I discussed the situation with the customer service person who also had no ability to do anything at all. I understand the policy, I know what the fee is, and honestly I would care less about paying {$12.00} if they had to advance even {$50.00} on my behalf. But to have no money at all of their own at risk and to charge 833 % percent does not seem at all reasonable. I know it is within their rights per the agreement of use or whatever miscellaneous fine print I had to agree to in order to use web banking, overdraft lines of credit etc, but this is extremely usurious and many of their clients do n't have the means to absorb these kinds of fees routinely. If I could find an institution with equal web banking capabilities, I would close all of my accounts tomorrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: DataMax Corporation
State: FL

Complaint narrative:
not only is this debt paid but I have proof from XXXX it is not mine as well as the time it was paid I was living in a furnished apartment XXXX XXXX XXXX, Fl . that did not require me to have electric in my name. On top of that I have filed enormous Identity theft reports with the credit reporting companies and all the debt collectors.

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 2016-11-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION
State: CO

Complaint narrative:
I 'm being charged a XXXX XXXX XXXX fee. I called my mortgage company and they could not explain. They said they would call me back.

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 monetary relief
Consumer complaint received 2016-10-30 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Kramer & Frank, P.C.
State: MO

Complaint narrative:
This is an account that I had with XXXX over 10 years ago. I receive a garnishment on this account in XXXX. So I paid & XXXX on a {$500.00} credit card bill. I paid it because I knew that I did owe XXXX. I got behind on all my bills in XXXX, because I lost my job and I had to take lower paying positions. I never received a summons from the court to appear for this judgment. Today I received a garnishment for the same account for XXXX for # XXXX from Frank & Kramer stating that they gave me a {$1800.00} credit on {$1400.00} judgment and that I owed {$1300.00} in post judgment interest. My credit limit was only {$500.00} and the statute of limitations is over on this account the original judgment date is XX/XX/XXXX and I received the first garnishment in XXXX. How can I be sued for claim that I never received a court summons on. This issue was resolved by the CFPB back in XX/XX/2016 case # XXXX and Frank & Kramer dropped the garnishment against me stating it was paid. They started another garnishment for the same account in XX/XX/2016. They have taken a total of {$770.00} addition money out of my pay check. As I stated above this account was paid in full back XXXX. I would like a refund of the additional money taken out of my account. Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
American Express billed me fora debt that is not mine. I filed a complaint with ConsumerProtection Agency and AMex closed all my Credit Cards which I have kept a XXXX balance for years and also reported it to the credit bureau. This was not my debt and now my credit score which wS over XXXX has dropped to XXXX because they were upset about me filing the complaint and now they have turned it over to an outside collection agency without notifying me. I did not make this debt yet they are holding me responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I have applied and was approved for a new XXXX card on XXXX, using a promotional offer which required me to spend {$3000.00} on the card within three months of account opening to receive XXXX Membership Rewards points. I have completed the spending required in XXXX and have received the rewards towards my rewards account, however, my account has been frozen since then " to review that all purchases meet qualification criteria '' which means that I effectively can not use the rewards which I received after successfully completing the spending required for the offer ( and paying the {$450.00} a year annual fee ). My account is in good standing and I have paid all the balances on my account. 

I was told that the review takes 8 weeks but it has been more than that at this point and my calls to XXXX did not resolve the issue. Please help me unfreeze my rewards account to make use of my rewards points.

Company response to consumer: Closed with non-monetary relief