vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: DataMax Corporation
State: IL

Complaint narrative:
According to ALL of my credit reports, this account was PAID, and is now CLOSED. I have already spoken to one of their collectors regarding this debt. She informed me that she would request removal from ALL of my reports!!!!!! Also, this account was opened without my permission, I informed her of that as well. So, WHY IS IT STILL ON MY XXXX REPORT?!!!!! I check those DAILY for ANY XXXX ID THEFT/FRAUD, and there should be NO DEBTS on there at all!!!!!!!! I have been a victim since I was XXXX years old, I am NOT doing well healthwise, I am ONLY XXXX years old, however XXXX DO NOT care how old you are!!!!!! And I REALLY am sick of ALL of these debt collectors in general LYING to you ( CFPB ), about accounts being valid when NO, THEY 'RE NOT!!!!!!! Also, I CAN BARELY SIGN MY XXXX NAME OR ANYTHING ELSE DUE TO CARPEL TUNNEL OR FILL OUT ANY XXXX FRAUD AFIDAVIT!!!!!! THIS STUFF NEEDS TO STOP, BECAUSE I DO NOT HAVE TO PROVE A XXXX THING TO ANY OF THESE COMPANIES WHATSOEVER!!!!!!! I HAVE ALOT OF THINGS GOING ON AND DO NOT NEED ANYMORE PROBLEMS!!!!!! I DO NOT KNOW HOW MANY MORE XXXX TIMES I HAVE TO SAY IT, THE POLICE DO NOT ASSIST IN ID THEFT MATTERS AT ALL UNLESS YOU 'RE FAMOUS AND ARE JUST SITTING ON MONEY OR THEY LIKE YOU AS A FAN!!!!!! I AM NOT THE ONLY PERSON THAT THEY REFUSED TO TAKE A REPORT FROM!!!!!!!! AND I DO NOT WAN NA HEAR A THING ELSE REGARDING THAT!!!!!!!! THE AMOUNT OF THE DEBT WAS {$96.00}. THANK YOU!

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 2015-07-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: DataMax Corporation
State: NC

Complaint narrative:
This debt should have never been reported on my credit. It was paid. I have contacted them several times about this bedt. They seem to ignore my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
a certificate of deposit which I have left to automatically renew for over ten years recently went dormant. The only way I found out what happened was to ask the XXXX bank and trust why I did not receive the monthly statement. I think they should have notified me first. I understand there can be legal complications which arise from dormancy. Do n't think this should be allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
Money Recovery Nationwide in early XXXX sent me a collection notice for some past due Medical Bills. 
I called the company to set up paying these bills, even though my Flex Spending Account was not charged from the original hospital/doctor. 
The FSA will not cover collections, and I am willing to pay the bill now. So I setup a payment arrangement with Money Recovery Nationwide. 
On XXXX XXXX, 2016 a collection was filed on my credit report. I called Money Recovery and they told me there is a older collection that is old and that was filed. The Collection is in the payment arrangements. I offered to pay the {$25.00} and they told me that it will showed " Paid '' on my credit report. 
I asked them to delete it from my credit report. To which I am told they do not do " Pay to delete '' or " deletions ''. 

This is against the agreement I made on the phone in XXXX to keep further collections on my credit report. 
I am under the assumption that the payment arrangement is to keep the collections off my credit report. Therefore I would like it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11 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:
Back in XXXX I stopped making payments on a {$1600.00} XXXX credit card as my identity had been stolen and was going through financial difficulties. It seems that in XXXX XXXX decides to sue me but I was never served. XXXX attorneys put a judgement against me and continues to try to collect the debt. I settled the debt with XXXX back in XXXX XXXX and part of my settlement condition was that they would remove the judgement. That was not done. The attorneys are the Winn Law Group in XXXX, CA. I am now trying to sell a piece of property I own but the judgement is showing up on my credit report. When I got the information from the escrow company as to who to call, I called them and they sent me a letter trying to settle the debt that I had already settled and the amount had gone up to {$6400.00}. I got a letter from XXXX that my account had been settled and to please remove the judgement and my name from their list back in XXXX XXXX, XXXX. To date, I have not received a response from them and the judgement still appears in my credit report. I called XXXX and they told me that there is nothing they can do because the judgement was entered by Winn Law Group and that Winn Law Group has to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I was pressured into a loan by XXXX Chrysler the loan interest rates were pushed on me I was told if I did n't sign I would not get a loan from anywhere else. And when I did return to the dealership with my other options they were out of Bussiness. I was taken adavantage of by the dealership and Chrysler capital financial over 25 % interest on a car that worth less then XXXX is criminal

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Grant & Weber
State: NV

Complaint narrative:
I have asked Grant and Weber to validate a collection they are reporting on my credit reports on XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to 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 2016-10-28 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Synovus Bank
State: GA

Complaint narrative:
Requested information on this account for over 1year no response .Requested paperwork and all information .This accont was set up with out my approvel.Reporting closed on one report and active on another, limit went from XXXX to XXXX .This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13 00:00:00
Product: Prepaid card — General purpose card
Issue: Fees — 
Company: Synovus Bank
State: FL

Complaint narrative:
I opened an account for a prepaid Visa card with First Progress in XX/XX/XXXX to help build up my credit score and everything was fine made all my payments on time and never had any issues until I decided to close this account out in XX/XX/XXXX for I was no longer using this account in I received my statement for the months of XX/XX/XXXX thru XX/XX/XXXX which showed they had charged me the annual fee of {$39.00} when I called in to close the account in XX/XX/XXXX the representative for First Progress informed me that as long as there were no charges made to my account that I would receive the refund of the {$39.00} annual fee along with the balance of my prepaid Visa Card which totaled {$150.00} but there would be a 60 day waiting period to make sure that there were no charges made to my account finally I received my refund in XX/XX/XXXX but it was on for the amount of {$150.00} and did not include the refund for the annual fee of {$39.00} in which the representative for First Progress indicated I was entitled to receive so I contacted customer service with First Progress and was told I would have to write a letter to the First Progress Correspondence department to request my refund which I did on XX/XX/XXXX, I received a response dated XX/XX/XXXX indicating that I would have to contact customer service to resolve this issue so I contacted customer service and they said that I would have to contact the Progress Correspondence department what they are doing is giving me the run around and violating their own policies for which I have been told XXXX different times by a Customer service representative that I am entitled to the refund of the annual fee of {$39.00} as long as there were no charges mad to my account in which I have the statements to show that no charges were made.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-13 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: Synovus Bank
State: VA

Complaint narrative:
I used to have a credit card from " first progress '' and closed it before 3 month 's, today i discovered through my credit report that they aree Reporting As Delinquent, Derogatory, Or aeing Disputed. I tried to contact them throughout the telephone or email but they do n't have a un woorking telephone number or they do n't answer phones and they do n't have emails!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: LDF Holdings, LLC
State: PA

Complaint narrative:
The loan was for XXXX, I was charged XXXX monthly and they expected to collect payment for nearly a year! I could n't understand the woman on the phone when she explained the fees, I told her that but she kept pushing and finally just put it through. I did n't exactly agree, I just said I guess it was OK because I could n't hear what she was saying and she would n't give up, then she pushed me into direct withdraw from my bank even though I wanted to mail payments in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I purchased a vehicle from XXXX XXXX in XXXX XXXX XXXX, XXXX, New York in XXXX of 2015. The vehicle was financed by Santander Consumer USA. Neither the dealer nor the bank informed me of the terms of the loan. I later found out that the interest rate was exceptionally high at 21 percent. Since I bought the car I have paid over {$20.00}, XXXX and still owe at least {$26000.00}. I have requested a lower interest rate from the bank. I have even asked the dealer to take the vehicle back in a trade, but they all refused because " the vehicle is overpriced '' they state.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Green Square Company LLC.
State: IN

Complaint narrative:
I keep getting threatening and rude phone calls from XXXX XXXX XXXX phone number XXXX regarding a debt I do not owe. They 've threatened to have me arrested, but refuse to send me a statement that I owe anything in the mail. They have my SS #, but wrong address.

Company response to consumer: Closed
Consumer complaint received 2017-03-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: On-Site Manager, Inc.
State: MS

Complaint narrative:
My name appears on a civil action for possession that is incorrect. I have never lived in those apartments. I have tried on several occasions to call the management of the property ; however, no one answers. I went to the leasing office of the property and no one answered the door. I need this inaccurate information remove from my credit history because it hinders my chances of moving. On-Site has this inaccurate information under Landlord Tenant court records ; however, the XXXX credit bureaus show no public record items for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: AZ

Complaint narrative:
We bought a XX/XX/XXXX Honda Ridgeline XXXX in Arizona. XXXX XXXX financed our vehicle through Sentander Consumer USA XXXX. Sentander, never mailed us any financial paperwork, with our account number, or their company name, prior to our first payment being due. 
When they did contact us, we immediately sent the payment through XXXX XXXX Bank Bill Pay. Sentander then accredited our first payment to our account. 
We then scheduled our XX/XX/XXXX payment through XXXX XXXX Bank Bill Pay, Which they claimed that they did not receive, and they called us to complain. So we faxed the information they requested from our bank. We received a confirmation that they had received our fax, but they called us the next day, claiming they did not receive the fax information. When I requested to speak to a supervisor, she confirmed that they had indeed received our fax. 
Two ( 2 ) days later, they requested additional information to include a bank statement. We sent the information via fax, and the very next day, Sentander refunded our payment back to our checking account. When we contacted Sentander, they claimed the account number was not on the check. We have paid our bills from XXXX XXXX Bank Bill Pay for years, and NO ACCOUNT has NEVER claimed that the account number was not on the check. 
Since I had Sentander on the phone, I agreed to make XX/XX/XXXX payment over the phone. After giving Sentander 's male employee my card information, he said our payment was rejected because I did not know my Zip Code, which is XXXX. 
So I informed them that their XXXX payment had been scheduled to be paid on XX/XX/XXXX, and that I was mailing them check # XXXX for XX/XX/XXXX payment that they had refunded. 
On Monday XXXX XXXX, 2015 ( three ( 3 ) days later ) Sentander called us at XXXX. and again attempted to collect XX/XX/XXXX payment. There have been several calls, and we are tired of Sentander harassing us, and making false claims, and refunding payments that are made.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pending Company Match
State: MO

Complaint narrative:
l was able to address an issue on my credit recently. l began speaking with Accudata, we came to a agreement and an offer was made. XXXX XXXX an accounts representative at accudata informed me the original creditor was not really wanting to settle but she was speaking with them. l had been in contact with the original creditor for a copy of my file and knew this was not true, they had in fact informed me that the debt had been sold and they just verify information if needed. We continued to come to certain terms with accudata, The first offer expired but we continued to negotiate. l requested a settlement letter stating how it would appear on my credit. XXXX XXXX informed me they would not provide the letter l had requested they thought of it as blackmail ... but if we would agree to pricier terms they would indeed send me a letter stating the terms l had requested. We received the letter and paid the agreed amount. When Accudata reported to the credit bureaus they did not adhere to the agreed terms in the signed settlement letter and had no problems being fraudulent and untrue in the statement letter XXXX XXXX sent to us. They in fact stated the opposite. We had also proved we were not responsible for part of the debt. When l contacted XXXX XXXX she stated to me that she did not attach the comment to my credit and it was not her problem how they added or reported items. The credit bureaus are information gathering institutions and report what is reported to them, so XXXX XXXX you are indeed responsible to report true and accurate information and most definitely should not be fraudulent with signed statement letters claiming to settle, report ... .then do not adhere to the settlement agreement. Collection agencies should not be allowed to operate this way. When the are making a profit from buying a past debt and the original creditor is being paid, how would you even know or care if the facts were true ... your getting paid. l realize XXXX XXXX has a job to do, and deals with all types of individuals. Everyone is not the same. And to ruin an individuals credit for another 7 years, when they are trying to do the right thing just seems wrong. l hope this lnformation will help the public in dealing with Accudata. 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 2016-08-12 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 financed an auto loan with Santander Consumer USA. I have made my payments ahead of schedule and I have never been late on a payment. They are stating the interest is accruing on a daily basis since the last payment was made even if the payment was early. I have paid so much in interest to the company and hardly any of it was applied to the principle. I am currently locked out of my online account with Santander because I complained to them about the payments being misapplied. I am in fear they will repossess the car even though my account is current. This company needs to be shut down immediately. There are numerous complaints on this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I pulled my credit report along with using XXXX XXXX, I have sent a letter to the company with no avail. I have not nor have I ever done business with this company.I 'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ), and I am requesting validation of this debt. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. I request that you cease contacting me via telephone and all future correspondence be writing. To refresh your memory on what constitutes legal debt validation, I am providing you a list of the required documentation : Complete payment history, the requirement of which has been established via XXXX v XXXX XXXX XXXX XXXX ; XXXX XXXX. XXXX. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the original creditor. Letter of sale or assignment from the original creditor to your company. XXXX XXXX with your client that grants you the authority to collect on this alleged debt. XXXX v. XXXX XXXX Services, XXXX, XXXX XXXX XXXX ( XXXX., XXXX XXXX, XXXX ) - Information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how amount sought was calculated, where in issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. 
Intimate knowledge of the creation of the debt by you, the collection agency. 

As I am sure you are well aware, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX, Plaintiff, vs. XXXX, No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, XX/XX/XXXX, the courts ruled that reporting a collection account indeed is considered collection activity.While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA. I look forward to a speedy resolution of this matter. 

Sincerely, 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 2015-08-25 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:
Brief Description:1. On XXXX XXXX, XXXX I received a Notice of Intent to Accelerate and Requirement of Strict Compliance from Santander. The notice gave me until XXXX XXXX, XXXX to pay {$960.00} which was the past due amount. 
** I need to know how many days does the State of Texas allow a consumer for a Right to Cure Default Notice2. I was n't able to pay the above amount. So I contacted Santander and set up a payment arrangement and was advised that my vehicle would not be repossessed. On XXXX XXXX, XXXX my vehicle was repossessed 3. I received a Notice of our Plan to Sell Property from Santander dated XXXX XXXX, XXXX. I made several calls to Santander in attempt to returning my vehicle but I was unsuccessful. 4. On XXXX XXXX, XXXX I filed Bankruptcy Chapter XXXX XXXX XXXX ) in order to get my vehicle back. 
5. On XXXX XXXX, XXXX the Bankruptcy was dismissed6. I waited to receive a Notice to Cure from Santander so that I could pay the past due amount but I never received one. On XXXX XXXX, XXXX I received an email from Santander offering a 50 % settlement that 's good for 60 days XXXX XXXX, XXXX. I called Santander on XXXX XXXX, XXXX and agreed to a settlement of {$10000.00} good until XXXX XXXX, XXXX. I asked for it in writing but Santander refused. They told me to call back once I had the money and then they would provide a letter. 
7. In XXXX XXXX, XXXX Santander repossessed my vehicle from a XXXX parking lot. I contacted Santander but they would not return my vehicle. 
8. I received a Notice of our Plan to Sell Property from Santander dated XXXX XXXX, XXXX. I also received, via email, a settlement agreement with repossession fees included good until XXXX XXXX, XXXX. On XXXX XXXX, XXXX I filed Bankruptcy Chapter XXXX XXXX XXXX ) in order to get my vehicle back. 10. On XXXX XXXX, XXXX the Bankruptcy was dismissed,11. I had n't heard from Santander. On XXXX XXXX, XXXX I sent Santander a Demand Letter. On XXXX XXXX, XXXX Santander declined my settlement offer. I was informed that Santander sold my account to XXXX who then transferred the account to XXXX XXXX XXXX. I have tried to contact XXXX but I 'm transferred to someone 's voicemail and I 've never received a callback.

Company response to consumer: Closed with explanation