vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-10 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:
On XXXX/XXXX/XXXX my son went to XXXX and traded in his XXXX XXXX XXXX, and was financed a XXXX XXXX XXXX, they over charged him and his interest rate was 25 %. I thought that was way too high and illegal. His car note is {$430.00} monthly. He ca n't get out of this car because everyone is telling him he is upside down, now this is why I am contacting you because of the issues we are having with this car, and we also tried to refinance, but our credit union will not do it. I feel that XXXX seen my son as a young XXXX year old coming in there and they went to work on him, they gave him a high interest rate, and now he is stuck with high monthly payments for the next 72 months. Please help my son with whatever can be done. I do n't feel good about this at all, I really think XXXX just was looking for a commission and not helping him at all, nor was they at all in his best interest. He is a first time buyer ( being finance ) his credit is good.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
Dear XXXX, - XX/XX/2016 I made a mobile deposit of a check of the amount of {$1900.00}. ( see attached copy XXXX The check is made to my older brother XXXX and was properly endorsed before it was deposited in my Account at M & T bank. 

-XX/XX/2016 funds were made available into my account total {$190000.00} -I then proceeded to write a check for the deposit for my apartment for the amount of {$1100.00} XX/XX/2016 at XXXX am, I received a call from the branch stating that the check was declined. 
I went to the branch who then explained to me that the check was presented before the funds were available, the branch then issued me a certified check in the amount of {$110000.00} I was then on my way to the rental office when the bank teller who provided me with the check called and said that I needed to return the certified check and that her XXXX posted a " hold " on my account stating that she needed clarification as to where the check was from and the needed to hear he story about the check. 

I called my brother who went with me to the branch, not only did he take his ID, he took the check to show the Branch XXXX : XXXX XXXX XXXX XXXX Vice President Senior Branch XXXX XXXX XXXXXXXXXXXX The Branch XXXX proceeded to embarrass us by speaking rudely " I need to see your ID immediately, I need to hear you say out loud that you wont deposit this check " " you need to sign on a piece of paper so I can see that it 's your signature " She repeatedly kept saying this to my brother who stayed calm and complied ... 
XXXX then continued to say that she does not know or ever heard of my brother employer ( diamond resorts international, a multi XXXX dollars publicly traded company btw ). in an effort to make her feel comfortable my brother said that he undertands how regulated her business is and that he himself had worked over a decade on XXXX ad she could google him and see that he is who he is. 

XXXX XXXX then said " fine ill release your money on saturday XXXX '' XXXX minutes later around XXXX PM XXXX called me and in her continued extremely rude tone told me that " I just googled your friend, and I dont like what I see here '', and continued to read all kinds of irrelevant private information the she said. 
" I am not going to release this money, I 'm going to hold on to it for another week so I can call my XXXX department and you will get it whenever I 'm done with my own investigation '' This is nothing more than XXXX profiling, as a result of this unprofessional woman I ca n't pay any of my bills, I lost my house and all the money I spent in the process and worst is that my money is being held XXXX .. 

I need my money back as well as compensation for all the monies I lost in the process a total of {$500.00} sincerely, XXXX

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 2016-09-09 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: M&T BANK CORPORATION
State: DC

Complaint narrative:
My M & T checking account was overdrawn by {$3.00}, M & T assessed me the standard insufficient funds fee of {$38.00}. But then I was charged the another {$38.00} overdraft fee because it was insufficient for five ( 5 ) days. So for the negative {$3.00} balance on my checking account I was charged total fees of {$80.00}. : Not to mention this is supposedly the M & T account for low income persons.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09 00:00:00
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: MEI AUTO FINANCE INC
State: TX

Complaint narrative:
Called threatening to pick my vehicle. Told me I need to make someone loan money in order to become current. 

Did not ask me no information. Told my information to a family member that called from my phone number. Did not ask any info to verify if it was myself. 

These people are very very very rude and not professional. 
MEI AUTO FINANCE

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-19 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MD

Complaint narrative:
I send funds to my mom for festival and it was reported pick up although my mom never got the money and no receipt in her hand. when she went to pick up the funds, agent said it was picked up., Please help me, it 's giving lots of tension and stress for both of us.I called money gram and they were not help at all, they do n't care, I was told by many people that money gram have some fraud going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10 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: Receivables Management Partners, LLC
State: GA

Complaint narrative:
This is the second time this company fails to abide by the FDCPA. I received no notification of this debt or was not given an opportunity to dispute this debt. This company is ruining my credit and I 'm about to close on a mortgage for a home which is now in jeopardy because of their unfair debt collection practices. They are n't complying with the LAW. I have an attorney on standby to take this matter tp court if this account is not removes from my credit report and they follow the law by allowing me to dispute this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: AK

Complaint narrative:
On XXXX XXXX, 2016 I did a Money Gram transfer through Walmart on XXXX in the amount of {$550.00} with a service fee of {$11.00} for the purchase of a XXXX puppy from XXXX online and XXXX. Their contact Phone : XXXX XXXX XXXX XXXX and email address : XXXXXXXXXXXX. The money gram was sent out at XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX He picked up the money gram the same day at XXXX. He said he was getting ready to ship the puppy but requested a fee to rent a kennel in the amount of {$700.00} in which we were told it was refundable once he receives the kennel back. Another money gram was sent on XXXX XXXX, 2016 at XXXX through Walmart XXXX XXXX XXXX the amount of {$690.00} with a service fee of {$11.00}. This money gram was sent to XXXX XXXX XXXX in XXXX XXXX and received the same day at XXXX. We were told they were shipping the puppy and it should be arriving today. They called back to ask if we looked at the email and that they needed another {$1300.00} for life insurance on the puppy. At this point we know it 's a scam and we have n't received the dog as of yet. No information on air carrier, or flight information that the puppy is being shipped on. I have contacted the company and left an email and phone message and still have not received a call back. I also contacted Money Gram in which it makes me wonder if they are a part of this scam as I talk to them they end up hanging up the phone on me. The numbers that we contacted were XXXX XXXX XXXX XXXX, ( XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. All these numbers when you contact them have a foreign person speaking and will hang up on you once you get into asking questions. I ca n't believe people can sleep at night doing stuff like this but I will not let this happen to someone else. I can be reached by cell at XXXX XXXX XXXX XXXX for any questions or concerns. Thank you!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-11 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
This debt belongs to the father of this child, court order stipulates father is owner of debt. This was put under the wrong guardian.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MD

Complaint narrative:
For the past years, I have been using 'MoneyGram online transfer '' to send money to relative abroad. My transactions are random and less than {$1000.00}. I registered my banks accounts with Money gram and the monies are withdrawn from my banks to cover the transactions. Last month, when triying to process a {$94.00} transaction, I got denied that my bank information could not be validated. I called MoneyGram, and was informed that " XXXX '', a third party which safegaurd online transaction needed to validate my information. I called XXXX, provided them with all my accounts information. Was told that it will take a week to update system. Three weeks later, I encountered the same issues. A call to XXXX left me suspect that they have no clues of what is to be approved by their system. They were unable to trace my past moneygram transactions. I have the impression that they wanted to decide when I would send/spend my hard earned money through their service. What is all this about? Who really monitor XXXX??

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Herbert P. Sears Co., Inc.
State: CA

Complaint narrative:
Contacted by collection agency H.P Sears about a debt I supposedly owed to a former property management agency. XXXX property management. In the amount of {$4300.00}. That was XXXX XXXX, 2015. It was the first time I ever heard about it. I was never contacted by XXXX property management or anyone else about this supposed debt until that day. So at first I thought it was a scam because he could not tell me why I owed so much. He just wanted me to pay it. Then went on to use threats of legal action from there legal department. I said I would not pay anything until I knew what I was paying for. Then he said it was for rent in the month of XXXX 2015 which is XXXX dollars but he said back rent was over XXXX dollars. I said I moved XXXX XXXX, 2015. How could I owe XXXX dollars? They kept my deposit. He said there was no deposit. I said Ok let 's move on what is the other XXXX dollars for? He said I do n't know but I will call you back in XXXX days with a itemized list I said OK do that. At this point I really though it was a scam but he calls back the next day and says he has the itemized list. I asked what was on it, he said about XXXX was for back rent XXXX for broken widows. There was no broken windows. I believe XXXX for screens and another XXXX for carpet cleaning and XXXX for labor but he could n't tell me what was fixed. I started to dispute charges and he said it better I do n't fight it. The best thing for me to do is is accept it and make an offer to them for XXXX dollars. I told him I thought this is a scam I never heard of this debt it 's been XXXX months the last time I spoke to anyone from the property management company all they said is that they needed the other set of keys. He said ok. I hung up and thought nothing else of it until I was checking my credit report and saw that XXXX was sent to XXXX credit reporting agencies. Like I said I never received a letter a phone call nothing. I do n't know how long the home was empty after I moved out. We had a brake in while I lived there and put in a alarm system. Someone could have broken in after I left. That does n't mean I 'm responsible for the damages and it 's unfair to try to make me pay for it. There were a few things wrong with the house so a representative form the property management company came by a few times and noted how well we kept up the house. Me and my roommate are both XXXX we were hardly even at home. If there was that much damage why not contact me right away so we could deal with it then not three months later. Because there was no damages that 's why.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
Hellothe issue is that we were doing a modification that started with XXXX and then it was given to M & T Bank for continuation. Towards the end of our modification, our house was sold, although we had received papers from the court that they were giving us a date in court to stop the foreclosure sale that was suppose to happen the following week. Yet, our house was sold a week BEFORE the court hearing was suppose to take place and when all papers shows that the modification was taking place. I wrote to the court but they replied that hearing was final. I also appealed the courts final decision and the appeal was denied. I asked for a rehearing and that too was denied. Since the beginning I have tried to explain all the process to them. I haave sent and resent papers with proof of what I 'm saying with very detailed explanation and it seems that it has fallen on deft ears from banks to courts to everyone. I found your article in XXXX magazine and decided to write to you about it as a last recourse. I still have hope everything can be undone. They had also told me that if I showed something had changed they would take it under consideration when we were still in the modification, but although I showed my husbad was now working nothing was taken into consideration and nothing changed. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-03 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
XXXX XXXX constantly changed the amount they said I owed for my treatment with them in XXXX and early XXXX. However I paid it every time they gave me an amount, always thinking I was paid in full after insurance. At one point I was actually overpaid over {$100.00} because they were overcharging me. Then in XXXX XXXX, XXXX they sent me to collections for {$32.00} and {$7.00} for a total of {$40.00}, which they never sent me a bill for just sent me to collections. On XXXX XXXX, XXXX I paid and did n't argue with them, thinking I was paid in full six months after my XXXX ended. XXXX XXXX, XXXX they sent me a bill for {$180.00} and I called for a detailed statement. All I got was another statement with credit adjustments and now saying I owed {$36.00}. This time I went to XXXX XXXX to try and resolve the matter. There they said I owed {$3.00}, as I was going to pay this I decided to make them call the Accounting Department to explain the {$36.00} versus the {$3.00} because I wanted this paid in full, over and done with since I had not been there for treatment since XXXX XXXX. When Accounting forwarded the statement after waiting about an hour, it showed {$36.00}. I paid that instead of the {$3.00} and said I wanted something showing I am paid in full and do not owe them anything more. I received the attached detailed statement showing I paid them {$36.00} on XXXX XXXX, XXXX with a Patient Responsibility of XXXX. I do believe this was for one of the overcharges they they credited me at one time and reversed but I just wanted it done and paid it, it was clear they did n't know what they were doing. They assured me they would get everything taken care of with the credit reporting agencies because this was all their mistake in their Accounting Department with changing the amounts and not filling me in six and nine months after my XXXX was over, when I thought I was paid in full. I do not owe this {$32.00} on my credit report, another new amount, but from the XXXX XXXX date where they started the collection process and I immediately tried to take care of it. This should not be anywhere on my credit, nor should it ever have been. I was not aware they never fixed anything with the credit reporting agencies until I applied for my car loan in XXXX XXXX. And this says {$32.00}, It took me a while to find all the receipts and documentation, but I did and it is attached. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
Hello, I have a loan with Toyota Financial on my XXXX. In order for me to pay down my principal, Toyota requires that paper checks or money orders be sent directly to their XXXX XXXX facility. I sent my first check on XXXX XXXX ( 12 days ago ). Toyota is claiming the check has not been received and that it would still take upto 2 days to post onto the account. Note : standard mail in the U.S. takes 3-5 days, maximum, which means Toyota has had the check for 6-7 days. 
My complaint is that Toyota makes it incredibly cumbersome and inconvenient for customers to paydown the principal on loans. I deal with Student Loans, Credit Cards and various other debts where paydown of principal in instantaneous and convenient for the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Atlantic Credit & Finance, Inc.
State: MT

Complaint narrative:
i have been continuously harassed by Atlantic Credit & Finance , Inc. in the form of multiple phone calls from the number XXXX at least XXXX times a day and lately they call and hang-up if I answer it. then the try and use a different number. I have asked them to leave me alone that I do n't have any money but they wont listen. I tolled them to wait until my finances improve when they called the first time but they wont listen.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Selene Finance LP
State: NC

Complaint narrative:
XXXX XXXX, 2015 I paid XXXX XXXX XXXX {$6800.00} to reinstate my mortgage included was attorney fees of almost {$1600.00} XXXX XXXX, 2015 I received a notice that Selene was to be my new mortgage service provider. 
XXXX Selene sends a statement saying I owe legal and attorney fees about {$1600.00} Selene showed a statement from XXXX XXXX XXXX stating {$5100.00} was paid to reinstate my account. No one knows where my other {$1600.00} went to.? I filed a complaint to the NC Commissioner of Banks last year. I faxed and copied/mailed all my paperwork from XXXX XXXX XXXX to Selene. They requested info themselves and were given different info. I PAID that {$1600.00} again to Selene at my closing XXXX. How could I reinstate my loan without paying legal fees??? I truly believe all the paid postings and passing me over to Selene the same time I reinstated my loan, that the mail, payments, etc crossed in the mail. Thing is XXXX XXXX XXXX should have fixed this with Selene. 
Please help me. XXXX XXXX XXXX screwed me over the last 6 yrs or so in a greedy loan modification. Thousands extra $ $ spent. That is another story I will never recoup from. I have a huge stack a paperwork but in only a few pages prove I paid the legal fees with XXXX XXXX XXXX and that Selene double billed me. I am trying to get my money back from Selene, with interest if possible ... .. This bank has been nothing but rude and ugly with me. A few weeks ago, XXXX told me the legal team that handled the reinstatement. When I contacted them, they told me they had no track of that and my name and address. I am not able to upload Doc but will gladly fax or send you copies. I had Selene as a mortgage co for 2.5 months. I sold the property in XXXX 2015. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
I sent {$100.00} to a relative using MoneyGram XXXX/XXXX/2016. I received an email with the Reference # XXXX. The cost of their service was {$12.00} and I approved of this cost. I noticed today an additional {$2.00} fee is being charged to my credit card which I was not made aware of, nor did I approve of this extra fee. The receiver was told that the money was not available because the sender needed to verify information. I never received any message regarding the transaction was not complete, instead I received an email telling me to notify the receiver with the reference number.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-13 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
My mom had past away and the morgage is in her name I have all the documentaiton Power of Attorney house was left to me and I am deeded to the property, So my house is not in a foreclosure status with Sale Date attached to it being serviced By OCWEN SERVICING COMPANY they are suppose to be helping me with this loan Modification and all they are doing is giving me a Big run around and i have complied submitted all paper work and still now they are telling me there is nothing they can do for me. I want to save my home and they are not helping me at all There is a sale date on my Property and this is scaring me that I will be evicted from a property that I am trying to save in everyway

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
Case # XXXX THIS IS NOT A DUPLICATE ... The Company has not responded. It amazes how they have no qualms about continuing their deceptive practices.

Company response to consumer: Closed with explanation