vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Extremely poor customer service & tracking/monitoring for consumer payments/payoffs.submitted a payoff a month ago still not processed, improper credit mark This company has extremely bad customer service and a very bad process to track payments and payoff checks. I 'm a military member whom send Chrysler Capital account number XXXX a cashiers check for the loan payoff amount of {$27000.00}. Three weeks later this payment has still not processed and because of this I received a late credit mark on my credit report which is showing more than 30 days and my score dropped by XXXX points. This payoff check was overnight to the company more than three weeks ago. It was XXXX overnight delivery service and was signed for by XXXX of the employees at the company. I have called a numb of times and keep getting told that there is no way for them to track checks that they have received. XXXX XXXX XXXX XXXX i find this extremely unprofessional, how can there not be a tracking mechanism for consumers who submit cashier or personal checks. How can there not be a mechanism for consumers not to get penalized in their credit reports for paying off their accounts on time. In over 15 years of dealing with finance companies this is the worst I 've ever seen. Their customer service is horrible, no one knows how to provide the proper answer or help the consumer. I find this very unprofessional, very unethical, for consumers such as me that work hard to keep their accounts current, to keep a good credit standing and the bad business practice of finance companies like this do not due their due negligence and try to hurt consumers credit standings to charge higher interest rates. The practices and customer service of this corporation are completely unsatisfactory. Please assist me in solving this matter and fixing my credit standing, thank you for all the assistance. XXXX XXXX XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SUN LOAN COMPANY INC.
State: TX

Complaint narrative:
I took out a loan with Sun Loan company and paid the balance in full In XXXX 2011 before moving out of the state. In XXXX 2011 they reported it on my credit report as an unpaid charge off. Not once have I received any documentation or phone call stating that I had a remaining balance or that it was being sent to the credit reporting agencies. I have disputed this on my credit reports and it keeps coming back as validated and I have still yet to receive any formal documentation from Sun Loans. I have tried to reach out by phone but when I call the number listed on my credit report it states that it has been disconnected. They are reporting derogatory marks monthly to the credit bureaus and each time the balance is increased. My rights under FDCPA XXXX were violated when they put this on my credit report without ever reaching out to me and not giving me my 30 days to dispute the validity of the debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
We have been making payments on our car loan with Santader for almost 4 years. After consistently running behind last week the car was repossessed. After making 3 payments totaling {$1800.00} and getting the car back I decided to look into the balance we owe on the car, only to find out that we owe roughly $ XXXX less towards the principal than when we first obtained the loan. After questioning this, the customer service representative indicated we have paid almost $ XXXX towards interest because we have been running behind in the interest rate is a little over {$13.00} a per diem. After hearing this I was understandably upset. Clearly we are trapped in a downward spiral financially ... .we had to get this loan because our credit was bad, because of this, our payment was higher, therefore, we were more likely to fall behind, once doing so our credit score gets worse. In the meantime, the bank collects interest only and we have nothing to show for it as we continue to pay the price for our financial mistakes. I would like to understand what rights and protection we have as consumers. I would also like to know if I have a reason to seek legal advise as I think this practice is morally questionable at best if not against the law. Thanks in advance for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
Ocwen received XXXX payments inadvertently in XXXX. XXXX on XXXX XXXX and the other on XXXX XXXX. XXXX reps on two different days said they would reverse the payment back to my credit union. They reversed the payment on the accout but never sent the money back to the credit union. They put it in a suspense account! As of today, the payment has NOT been sent back to the credit union NOR has it been reapplied back to my mortgage. They have charged a late fee and sent me a past due notice!! THEY HAVE THE MONEY!!! I needed the payment back to pay on my son 's remaining hospital bills as well as my utilities and other bills. I explained that when I called on XXXX XXXX. A while back, they had me to fax a statement to them about my paying them at the end of the month due to the hospital bills so they would stop calling my home. It was very upsetting, as is this situation! They purposely kept both payments and the second payment is just sitting somewhere!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY
State: MS

Complaint narrative:
I run a business that functions mostly on credit card transactional deposits. I opened XXXX accounts with TD bank for daily use of this cash. I continually get overdraft fees ( thousands of dollars ) as the card allows you to overdraft. They did not initially tell me about this feature. When I found out, I complained to management multiple times that I do n't want these fees and to turn off this feature as I have employees using the cards and they do n't always know the account balance. They refused to turn off this feature. I literally am getting hundreds of dollars a day in fees. I feel they are taking advantage of low income citizens. I do n't make a lot of money but I work hard for what I do make. I would like the accounts closed and the fees refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, National Association
State: NY

Complaint narrative:
My wife lost her job about 5 years ago now. We currently find ourselves trying to re-negotiate our loan, but because New York Community Bank issued this mortgage through XXXX which has very strict guidelines which prohibit us from reducing our loan payments via modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
A fix interest rate that change all the time. I was to pay back XXXX in interest by the contract and pay back XXXX fillers in a fix interest loans

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
I made an application for an interest rate modification from M & T Bank. The home values in my area are below my mortgage balance. I tried XXXX toget them to adjust my interest rate to reflect the market, they have refused on both occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-11 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Suburban Credit Corporation
State: MD

Complaint narrative:
I was admitted at XXXX Hospital, XXXX XXXX, MD on XXXX/XXXX/XX/XX/XXXX with XXXX. I was discharged on XXXX/XXXX/XX/XX/XXXX and I received all my bills and settled. i viewed my credit on XXXX/XXXX/XX/XX/XXXX and saw XXXX XXXX XXXX XXXX serious delinquency had been reported by collection agency, Suburban credit corp against me. I never received any bills nor contact from them but they went ahead and reported to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Management Partners, LLC
State: DC

Complaint narrative:
I was contacted by Berks Credit & Collections , Inc at XXXX XXXX XXXX XXXX, PA XXXX. The staff I was speaking with XXXX, trying to let her know that the debt notice was incorrect and I had cleared it with the Doctor. She then told me that my insurance did not pay the debt and it was referred to them from the doctor. I asked if she knew the insurance did n't and she said yes. When I told her I had paperwork from the insurance showing it was paid right in front of me and that she was lying. I requested the info form her that my insurance did n't pay the Doctor and she said she did n't have to give it to me. She then said she was going to hang up on me because of how I was treating her. I never once raised my voice or yelled at her. When I was asked her for info on the company so I could report it to the cfpb she hung on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: AZ

Complaint narrative:
I have initiated a MoneyGram " send money '' transaction ( where they take the money from my bank account and give the money to a recipient abroad ). They found a problem about the transaction, some recipient middle names order not matching the recipient ID, and told me that they can not release the money to the recipient because of this reason and advised me to cancel that transaction ad do another one. 
I went on MoneyGram website and cancelled that transaction on XXXX/XXXX/2015. Regardless, they still took the money from my bank account, {$520.00}. No information was available on the status of this cancelled transaction on their website until eventually they shown a cancellation date for that transaction of XXXX/XXXX/2015. When I asked them why the difference between my cancellation ( XXXX ) and their posted data ( XXXX ) they answered that they needed that time to " properly process '' the cancellation. Hilarious. Their web site states, when cancelling a transaction, that it should take between 3 and 10 business days to get the funds back in the bank account, so one would think that it should start counting 3-10 business days when they do the cancellation. No clue that, before that, there is an arbitrary number of days that MoneyGram takes to " properly process '' the cancellation request. Hilarious, ridiculous, frustrating. 
Since I did not see my money coming back to my account I called them repeatedly, last time on XXXX/XXXX/2015. They keep transfering me form one person to another or let wait on the phone indefinitely ( about XXXX persons during the last call, until I had no choice but hang up furiously ) and can not give me a clear answer. When I asked them to be transferred to a supervisor they state that they have no supervisor ( which may be an explanation why they do n't know what they are doing ). Ridiculously, eventually someone advises me to check with my bank. Then I ask, OK then please give me the date when you sent the money back to my bank but they can not give me any specific date, keeps telling me that it can take time for the cancellation to be processed. Last person that I talk with states that it can take up to 45 business days to complete the refund. This statement seems inaccurate since what I have seen on their web site says between 3 and 10 business days, so I ask the person to direct me to the page on their site / policy where I can see that information but they are not able to do that. 
Bottom line, there is more than one month since I am waiting to see my money come back to my account and there is no sign that it will happen or that anybody at MoneyGram is capable to troubleshoot and give any valid information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: HW Holding, Inc
State: NV

Complaint narrative:
I recently purchased my Condo, and was living at XXXX XXXX. I gave my notice and informed them that I will be moving out and that the balance I would pay. I have emails where we came to a conclusion of amount and date that payment would be paid each month. I spoke with XXXX which is the manager at XXXX XXXX. She agreed verbally and through email. She stated that would be fine since I just purchased my Condo via VA Home Loan and was making sure my payments and anything that might go wrong would be taken care of. That is why I asked for payments. I know that I owe the debt but would need time to pay it off. XXXX inadvertently sent the file to Hunter and Warfield XXXX -- XXXX account number XXXX. I called them informed them it was a mistake, and that I had arrangements with XXXX XXXX to make monthly payments. They stated that XXXX just needed to call and have it rescinded. I called and spoke with XXXX, the Manager at XXXX and she informed me that Hunter and Warfield would n't release the file. I called Hunter and Warfield and explained to them that I refute this and is in dispute, please do not call me or contact me. My phone is a business phone and I can not receive calls. The lady said ok and hung up. I tried speaking with XXXX and she said there is nothing she can do. I informed her that the emails stated we had an arrangement and I am appalled how they could send it to collections. Hunter and Warfield has called my phone 2 times. I informed them that they are breaking the FDCPA regulations. I informed them that I will be filing a complaint against them. Afterwards when I called them back to confirm they are aware of me disputing this and filing a complaint the representative informed me that they cant speak with me and hung up on me. Since they state they have recorded lines and that they are following the FDCPA regulations, then they have broken not one, but 2 of the codes that protect me. I am very aware of my rights and they had no reason to contact me at work and demand payment when I informed them that I was disputing it.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
On XXXX XXXX, XXXX. Ocwen mailed to me old paper work in regards to my current mortgage with the incorrect monthly amounts, the incorrect promissory note, which they are stating it is {$100000.00} which is a fabricated lie. I have the new mortgage which was redone by XXXX nearly two years ago with the new interest rate which is Fixed, the new amount which is under {$57000.00} dollars and a new monthly amount. I am requesting an investigation of the business practices of this company, which has systemic problems in providing me with correct information, etc. The old mortgage was signed by me in XXXX. Ocwen mailed me outdated documents. I mail my monthly payments to the XXXX XXXX XXXX, XXXX office. The Ombundsman XXXX XXXX mailed me a copy of the old outdated mortgage. XXXX out of XXXX XXXX, XXXX is out of the business. They gave me a fraudulent subprime loan and promised to work with me, if I paid on time for one full year. Ocwen regular monthly payment is {$440.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: TAMMAC HOLDINGS CORP
State: OH

Complaint narrative:
A real estate agent recommends filing a complaint.Assured representation of Tammac Corportation.Used discrimintory remarks to indicate high rates.Would provide their employees benefits for government services.Indicates a complaint.Shown a recommendation to charge a violation.Benefit a home owner.Establish an objective to increase an estate value would prove beneficial.To concerned parties.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION
State: IL

Complaint narrative:
On XXXX XXXX, XXXX, a representative from XXXX XXXX issued a Scope of Loss that provided itemized details of how the claim funds provided were to be dispersed ( see attached ). On lines # XXXX and # XXXX of the Scope of Loss, XXXX was the named party and were to be paid {$4900.00} and {$7000.00}. On line # XXXX, XXXX XXXX also provided claim funds in the amount of {$100.00} to " stain and finish wood window ''. Per the Scope of Loss, XXXX should have been paid a total amount of {$12000.00}. 
On XXXX XXXX, XXXX, a representative from M & T Bank sent a letter confirming that the signed contracts they received from XXXX was for the amount of {$11000.00}. ( See paragraph # XXXX ). This letter also provided a breakdown of how they issued the claim funds that were received. 
According to the breakdown that was provided, M & T Bank issued funds to " XXXX '' on XXXX XXXX, XXXX in the amount of {$5900.00} and XXXX XXXX, XXXX in the amount of {$3500.00}. Between XXXX XXXX, XXXX and XXXX XXXX, XXXX, a total amount of {$9500.00} was issued to XXXX by M & T Bank. 
When XXXX XXXX sent claim funds to M & T Bank, it was accompanied by the aforementioned Scope of Loss. M & T Bank also received a copy of the signed contract from XXXX. M & T Bank has admitted, in writing, that they have only issued claim funds in the amount of {$9500.00} for XXXX. If M & T Bank received a contract from XXXX for the amount of {$11000.00} and a Scope of Loss from XXXX XXXX indicating that XXXX was to be paid {$12000.00}, then there is no less than {$2400.00} due to XXXX. Unfortunately, M & T Bank has refused to pay this amount. 
M & T Bank had a fiduciary duty to ensure that the funds provided by XXXX XXXX were issued appropriately. Unfortunately, as of XXXX XXXX, XXXX, M & T Bank has failed to fulfill their obligation to responsibly care for and protect the asset located at XXXX, Illinois XXXX. This misappropriation of funds is illegal and is a felony. 
I have been getting the runaround about these funds for over a year. This is my final attempt to resolve this issue with M & T Bank before I begin to file complaints with other authorities who take this very seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: M&T BANK CORPORATION
State: CT

Complaint narrative:
In early XXXX I wrote the bank and asked them about having the PMI removed from my loan. I received the letter from them dated XXXX/XXXX/XXXX stating that 2 conditions had to be met to remove the PMI from the loan. 
1. At least 5 years have elapsed from the date your loan closed ; and 2. Your loan to value ratio ( " LTV '' ) ratio is 78 % or less. 

The letter denied the removal and stated that I would reach condition XXXX by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Management Partners, LLC
State: IL

Complaint narrative:
The owner of XXXX XXXX XXXX XXXX offered a 12 month membership for the cost of 6 months if paid in full. I paid the amount on XXXX XXXX, 2015. The owner closed the business on XXXX XXXX, 2015. I disputed half the amount with my credit card company since I was only able to use the gym for less than 6 months, being that the owner was in breech of contract of the 12 month deal. I feel I was deceptively charged since owner knew he was closing gym in 6 months time as evidenced by the realty company filing an eviction suit against him for non-payment of rent, and settling with him on XXXX XXXX, 2015. My membership was cancelled and I was then sent to collections one week after the gym closed for triple the amount I disputed with my credit card, which is still being investigated. The owner has done the same thing to many other members of the XXXX XXXX gym, and XXXX other gyms he has abruptly closed in the past year. I 've also received immature, nasty emails, texts and messages on social media from the owner. My credit card company recently called me and informed me that the owner rebutted my dispute by saying he was still open for business and I cancelled my membership. I have to now prove that he is indeed out of business to my credit card company. I have several letters proving that XXXX XXXX XXXX XXXX is closed and has been since XXXX XXXX, 2015. Also, new memberships were sold to people after the settlement date with the realty company on XXXX XXXX, 2015, which is fraud since he knew he 'd be closing the gym on XXXX XXXX, 2015, permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Receivables Management Partners, LLC
State: IL

Complaint narrative:
This collection agency is attempting to collect on authorized charges/billing of a medical provider. The items were disputed with the medical provider.

Company response to consumer: Closed with explanation