vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: MOHELA
State: NY

Complaint narrative:
Hello, I currently have my Federal Student Loans serviced by Mohela. I attented to set up a recurring auto-debit set up, whereby I would have an additional amount withdrawn every month. I wanted the additional recurring to go to a specific loan, rather than be spread across all my loans. However, I called them and they explained they do not have that option available. They said I would have to pay manually every month if I wanted my additional payments targeted. Given that they are a federal loan servicer, I find that they do not have this option to be ridiculous, and purposefully unfair to consumers. This is a policy put in place for the purpose of extracting additional interest. A consumer should have the option to direct where his additional recurring payments go, especially with the servicer pulling out all the stops to ensure we use auto-debit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: ALASKA COMMISSION ON POST SECONDARY EDUCATION
State: WA

Complaint narrative:
I have a student loan with Alaska Commission for Post Secondary Education from XX/XX/XXXX that I have been paying on. If I got behind, I always caught back up. I filed for divorce in XX/XX/XXXX ( I was a stay at home mom up until XX/XX/XXXX ) so my account became delinquent and in default. In XX/XX/XXXX I filed bankruptcy. Knowing my student loan was n't going to be discharged, I contacted ACPSE to setup a payment plan. They refused to work with me and said that I needed to pay {$1800.00} order to be considered current ( {$3800.00} total debt ). Obviously I could n't do that, I am a single mom of XXXX just reentering the workforce. There was no way I could manage to do that. In XX/XX/XXXX they turned the account over to collections. The collection company now is asking for {$5800.00}. I contacted ACPSE on XX/XX/XXXX and stated I could arrange payment in full if they would be willing to work with me. They replied with " Contact the collection agency to settle your debt ''. I would like to get this account settled and paid but I ca n't pay {$5800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Green Square Company LLC.
State: TN

Complaint narrative:
I was never told that this would not be covered under my insurance. They have people coming and going like cattle. I was referred here for information only. They took an enormous amount of blood and sent it to their own personal laboratories. They are cheating people by the tactics they are using. They should be investigated!!

Company response to consumer: Closed
Consumer complaint received 2016-11-29 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: DC

Complaint narrative:
I had disputed my information to XXXX Credit Reports from Santander Consumer USA.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
I applied and received a car loan from Santander Consumer USA XX/XX/XXXX. XX/XX/XXXX I was having trouble making payments due to child support problems and reached out to Santander for help and guidance. They led me to believe that payments could be deferred and added to the end of the loan. What I did not realize was that I was modified into a simple interest loan with a balloon payment at maturity. Still to this day I have actually not been explained this product by Santander. Someone who used to work for them described what happened to me from looking at my statements. I had every reason to believe that when asking for help, Santander would have worked in my best interest, instead of using my hardship for their gain. I feel I have been deceived and have no recourse to get out of this loan. I want to make sure this does not happen to another as well as have some resolution as to how they have the ability to restructure a loan without me signing new documents or fully understanding what I was agreeing to.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Green Square Company LLC.
State: CT

Complaint narrative:
The call started out half human half automated and it rambled on about it being XXXX services and stated that they needed to hear from me or my attorney by today and to refer to file # XXXX. The call came from XXXX. During the call it gave me the option to call back or speak to a representative by pressing XXXX. I elected to speak to a representative. A man named XXXX went on to state that I have an outstanding payday loan that was for {$2500.00} that I never paid back. He states that if I do n't pay they will have the sheriff serve me with documentation to appear in court either at my home or place of employment. I advised him that although he has some of my information not all of that information is mine. He became very nasty calling me a liar. I then advised him that I am not paying a debt that I do not owe and is not mine. I requested that he mail information from the original debt to me, he stated that I had already gotten this information years ago and ignored it. I then asked him to email it and he stated that they do n't send emails. He then gave banking information that I no longer have because I had an issue with payments being taken out for a company that I did n't know. He then told me that he has my SSN and that in the end I will have to pay up or go to jail. When I asked about being sent a noticed by his company due to being taken to court and that I never got it, he stated that it was my problem not his. I told him that I ca n't dispute a debt if I do n't have validation of the debt and I do n't have anything in writing.

Company response to consumer: Closed
Consumer complaint received 2015-05-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: WV

Complaint narrative:
We started a car loan with Santander back in XXXX for a truck in the amount of {$16000.00} for 72 months. It is now XXXX and our current balance is {$8900.00} and even after talking to several customer service reps from other countries and managers I still do not understand why. I do admit that we have been late on some of our payments, asked for XXXX extensions, and had six months of agreed partial payments but this remaining balance does not add up. XXXX of the representatives noted that we had made XXXX payments of XXXX and that part of the payments we going to interest and part was going to principle depending on the number of days between payments ( interest is {$5.00} a day ) and in old math if we made a payment every 30 days and you multiplied by {$5.00} of interest by XXXX the amount is {$160.00} which would be the interest deducted from my payment of {$410.00}. I looked at my account and saw absurd amounts of late fees and interest charges that were deducted from my monthly payments. I also noticed that for the entire XXXX of payments ( XX/XX/XXXX ) none of my payments were being added to principle but all were going towards interest. I was also told that my interest was 21.99 % on my contract which I know was 11 % when we signed the contract. The representative stated that we have made XXXX payments of {$410.00} and that our contract would have matured this years XXXX but, due to extensions ( only XXXX ) and six months of partial payments of {$250.00} that our balance is currently {$8900.00}, something is not right. If we have made XXXX payments of {$410.00} which equals {$27000.00} and if you deduct interest of {$160.00} multiplied by XXXX payments that comes out to XXXX. The payment amount of $ XXXXXXXXsubtracted by the interest of XXXX leaves a payment of XXXX. The contract was started with a balance of XXXX so, how do we owe a balance of {$8.00}. We should have a credit of XXXX and if you add in the 6 months of extensions and XXXX partial payments that comes to {$3400.00} and then deduct the {$250.00} which leaves a balance of {$3100.00} which makes sense. This company has been falsifying records by changing documents, charging outlandish interest charges and late fees and justifying their erroneous practices with predatory contracts on hard working families. Companies such as these need to be investigated thoroughly and blocked from targeting people with credit issues or are trying to establish credit. We have been paying on this truck for nearly 7 years and according to Santander still owe more than half the original balance. There is no bank or auto loan company that I have ever had or know that has used such unethical practices as Santander.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: WI

Complaint narrative:
How are payments to an installment loan for an automobile supposed to be applied? For instance if you are 30 days late on a payment and you make XXXX full payment can the lender apply those funds towards interest for the late payment and the currently due payment before apply anything towards principle?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 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:
In XXXX I brought a vehicle from XXXX XXXX in XXXX XXXX, North Carolina. The financing was through Chrysler Financial. Monthly payments were {$570.00}. I had been current on the payments until on or about XXXX XXXX, XXXX. Around this time, I received a phone call from XXXX XXXX XXXX of XXXX XXXX XXXX XXXX Collections Department. He described a payment of {$340.00} the car would be paid in full, and I would receive my title from Chrysler. I promptly paid {$100.00} on XXXX XXXX, XXXX and {$240.00} on XXXX XXXX, XXXX. These payments were made over the phone with my debit card. I received receipts from XXXX XXXX for both payments. After these payments, I received nothing from Chrysler or XXXX. I did not get any late payment notices, nor any title. Chrysler called me on XXXX XXXX, XXXX at XXXX XXXX and XXXX XXXX, XXXX at XXXX XXXX. In the second call, Chrysler told me they would cure the debt by repossessing the vehicle. As this was the first time hearing about the car in over a year, I was confused. XXXX and XXXX XXXX had told me that the car would have been paid in full. I have spoken to XXXX and have been told that XXXX XXXX is no longer employed there. They also told me that the debt I paid off was for some other consumer debt with XXXX XXXX XXXX. I am not aware of any debt owed to XXXX XXXX XXXX. I have spoken to Chrysler, who told me they did not know anything about XXXX XXXX, XXXX, or XXXX XXXX XXXX. Chrysler has agreed to pay the car off and take title for {$8200.00}. I am not sure if the vehicle is worth that much, and I am concerned that I had previously been told that the vehicle was paid off. I believe that I am a victim of some scam with XXXX or XXXX XXXX XXXX. Further, Chrysler Financial has a debt collection agency hounding me with threatening phone calls throughout the day. They have called me at XXXX, and have told me they have come to my house on several occasions. However, Chrysler has told me they have not sent the repossession notice yet. I am concerned about my previous payments with XXXX, and what Chrysler is doing with repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Santander Consumer USA Holdings Inc.
State: NV

Complaint narrative:
Santander Consumer USA took an unauthorized withdrawal from my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Chrysler Capital has charged me triple the amount of interest. They have charged me about {$15000.00} interest so far and I still have 36 months on my loan. This was a 72-month loan for the amount of XXXX. I still owe about {$19000.00} on this loan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-27 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
There are late payment showing on my account. I have never received a notice that I am late nor have I receive a statement, via mail or electronically, showing my balance or when payments are due. I have contacted the company to have my on-line account activated but have not receive a response. I 've been told to contact several departments. I 've been paying over the required amount to have overage applied to principle balance and I should have paid it off. My credit report shows I have {$800.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
On XXXX XXXX, XXXX, I made arrangements with the Santander # XXXX to settle my outstanding debt in exchange for my payment the company agreed to remove the account and all references from their records and the XXXX credit bureaus ( XXXX XXXX and XXXX ). As agreed I sent the checks and a letter to support that the payments were a part of our agreements. After 60 days I noticed that all XXXX of my credit reports were not updated to reflect the agreements and the items are still being reported as delinquent accounts. On XXXX XXXX, XXXX, I mailed a letter to the creditor to request that they uphold our agreement and I sent a copy of the agreement letters, proof of delivery, bank check payment verification for all of the accounts listed. As XXXX XXXX, XXXX the creditor has not removed the account from my credit reports, they have not responded to any of the proof that I sent that the accounts were paid in full and per the written contracts the debt is still being illegally reported and they accepted the terms of our agreement by cashing the checks. My credit bureau disputes are being ignored and my consumer rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 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: Santander Consumer USA Holdings Inc.
State: OK

Complaint narrative:
I do not know why this collection is on my credit for an account that was closed in XX/XX/1999. This company keep updating account so it will continue to be on my credit. I do not havwe an account with this company and I would like if they will verify that I owe them and why. I would lke for this to be removed off all XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: RELIANCE FIRST CAPITAL LLC
State: NC

Complaint narrative:
Refinanced my Mortgage with Reliance Capital out of XXXX NC. From the start of the process they have told me that there would be no points or origination fee since I refinanced my last mortgage with them. When I received my first settlement statement it had {$3700.00} in points and origination fees. When I brought it to their attention the mortgage broker promised me that this would be taken off when it went through underwriting. He said the computer automatically generates it on the paliminary statements. I asked that he send that to me in writing, which I have in an email from him. Closing kept getting delayed by a month because i was told that the underwriter was dragging their feet. Closing was scheduled at my office to sign all papers which were not made available to me until the night before the closing. I immediately contact the broker in writing asking why the fees were still listed and should we postpone the closing until they get it fix. He assured me the monies all would be wired to my account. I have all of the emails attached from him assuring me. At the closing the fees were still on the settlement statement so I refused to sign it and called the mortgage broker. He said it was a mistake and to continue withe the closing and that he would send a new settlement statement that afternoon and that the additional monies would be wired in my account the following day. I received no new settlement statement or monies that week and made several calls and sent emails asking where it was. I received a call back from the broker in response to me calls and email promising me that the monies would be wired and that they were waiting on their office in another state to redo the settlement statement. It 's now a month later and I have received nothing and they wo n't return my emails or calls. I even sent an email to his boss that reached out to me in the beginning states of the loan saying if I had any concerns of problems that I should contact her and she would resolve them. She has not responded to this date. I have attached all of the emails concerning this and the settlement statement I would n't sign.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-26 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: Southern Credit Adjusters, Inc.
State: FL

Complaint narrative:
This seems to be an extention or part of the original debt I have submitted today with your company CFPB - XXXX/XXXX/2016 -Case File # 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 2015-12-31 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
On XXXX XXXX, XXXX my truck was stolen from the XXXX area at a friends house. I notified my insurance company XXXX which referred me to my gap insurance since I only had liability on the XXXX truck. I was notified by XXXX XXXX XXXX XXXX that they had my vehicle and acquired it on XXXX XXXX, XXXX. I immediately notified the Gap Insurance company who said they would send adjusters out to assess damages and next steps and that I could check the website for updates. the lot would only hold my truck until XXXX XXXX, XXXX according to the notice, I informed the insurance company of this as well. Around XXXX XXXX I contacted the lot where my vehicle was being held to inquire of the adjuster had been out since there were not any updates in the system and time was running out. I was informed that the lien holder came to pick up the vehicle on XXXX/XXXX/XXXX. I received no information for the lien holder as to the status, I forgot to mention during this same time frame, end of XXXX I received an email for the gap insurance company that they would not be paying a benefit because they got a report that the vehicle was repairable. 
On XXXX XXXX, XXXX I got an alert from XXXX that my credit report has changed, that 's when I learned that Santander had listed my vehicle as a repossession. I had the loan for approx. 2 years and I have never missed a payment even through vehicle being stolen. When I contacted the company I learned that the truck was going to auction on XXXX XXXX and if I wanted to get it I needed to pay {$1500.00} at this conversation it was around XXXX XXXX they claimed they sent out a notice which at this point I had not received regarding their intent to sale the vehicle. I did get a notice of a certified letter on XXXX/XXXX/XXXX. My issue is I am being penalized for my vehicle being stolen, and to call it a repossession after never missing a payment on the vehicle is absurd their explanation is because they picked up the vehicle form the lot it was a repossession, I could have very well picked up the vehicle if it was n't for the fact that I was told by the gap company to wait for an adjuster to go out, they can call it anything else but a repossession does not represent me or what happen in my circumstance, not to mention the damage it will do to my credit I have been working on for an entire year! 
I do n't know where else to turn and Santander is not even considering changing it from a repossession, Please advise on what I can do -- Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Chrysler Capital needs to be investigated and prosecuted.

Company response to consumer: Closed with non-monetary relief