vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
This company has inaccurate information. I would like full validation of this account which was prior requested and nothing received. I want to see the initial signed contract, full list of every payment made, etc. They have failed to provide so now I am asking your agency to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Credit card — 
Issue: Other — 
Company: Synovus Bank
State: FL

Complaint narrative:
on XX/XX/XXXX my wallet was stolen with all my credit cards. On XX/XX/XXXX I notified XXXX XXXX all my credit card companies. My credit card tomorrow all reissued. All my credit card companies are still reporting to all The credit reporting agencies except for XXXX, First Progress Bank. I have allowed adequate time and have kept checking my credit file for them to update the account which was XX/XX/XXXX. It still has not updated on either of the XXXX credit reporting agencies. I contacted XXXX today and ask them why it is not reporting to the XXXX credit reporting agencies they responded it is reporting. I indicated I have checked and I would check with them while I was on the phone with them I confirmed neither XXXX XXXX nor XXXX shows an open account with XXXX. It shows closed accounts with them. They asked me to provide a copy of my credit report them I said the burden of proof is not mine but there 's the credit card agreement with them is that they are to report to the credit bureau 's. I filed an escalation claim with them. So now I 'm afraid that I 'm going to suffer the same detrimental effects that I have with XXXX XXXX for nine months I 've been struggling to have them repair the same issuue! To no avail! so again it 's going to cost me money and time to remedy the problem or error that is not mine. Please help me in resolving this matter. Time is of the essence! 60 days is not required or acceptable to resolve the issue it 's adversely going to affect my credit and my health. again, I went through the same thing and I 'm going to the same thing with XXXX XXXX will buy the state and they have kept on stating the same thing we fix the issue and it is reporting to your credit report and it is not reporting to XXXX with XXXX XXXX now with XXXX XXXX it is not reporting to any of the XXXX credit reporting agencies they stay it it is I reviewed all three and is not reporting to any of the XXXX. I do n't have access to print all XXXX I can view all XXXX through an app on my phone. I will attach what I can through your website.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: CO

Complaint narrative:
Again have n't answered my question.. 
Are you connected to Banko Santander that failed the Federal Reserve stress test? 
Are you the company that lost a class action suit for repossessing american soldiers autos when they were XXXX? 
Are you the company who lost a class action suit in regard to securities? I have made a XX/XX/XXXX payment for monthly payment partial payment and late fees ... please applt appropiatly ie ... DO Not apply partial /late fees to interest want to know how many loan companies you have in U.S.A .

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: MA

Complaint narrative:
In XXXX of 2014, I started working for XXXX as a driver. They had a partnership with Santander Consumer USA to provide affordable loans to new drivers with new cars. I was under the impression that it was a monthly lease, and it turns out to be a weekly lease, and the payment is n't even recorded on my credit report. So I end up paying out {$800.00} a month for a XXXX 

I 've contacted Santander Consumer USA and they do n't refinance. I 've looked into an investigation that the Attorney General 's office has done and found that they were offering subprime loans of a predatory nature. The AG 's office has suggested I contact you as well, so I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-05 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
Over charging of interest on auto loan. I purchased a XXXX Volkswagen Jetta on XXXX XXXX, XXXX in the amount of {$20000.00} and on XXXX XXXX, XXXX I went to trade the vehicle in and was told that I still owe {$19000.00} and the value of the vehicle is only {$6000.00}. I called to speak with a representative at Santander Consumer USA with whom I have the car loan with and they confirmed that the payoff amount for the vehicle is {$19000.00}. I inquired why I still owed almost the same amount on the vehicle after paying {$520.00} for 24 months that I purchased it for and was told that the simple interest loan that I have draws interest everyday whether I make on time payments or not and that they added to the {$20000.00} an interest amount of {$17000.00}. I told the representative that amount was not disclosed to myself and the co-signer on the vehicle. Back in XX/XX/XXXX I had to defer two payments and then another two payments in this fiscal year due to a car accident I was in and could not work. I would desperately like for someone to help me with this problem as I would like to trade this vehicle because of so many mechanical problems. Thanks in advance for an help you can give.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: LDF Holdings, LLC
State: PA

Complaint narrative:
I took a loan from " Radiant Cash Loans '' for {$600.00}. The monies were credited to my bank account on XX/XX/2016. 
To date, I have paid a total of {$1300.00} and per Radiant Cash Loans customer service, I have an outstanding balance of {$460.00}, which means out of {$1300.00}, only {$130.00} has been applied to the principal amount. 
I have since realized that online/payday/tribal loans are illegal in the State of PA where I reside. And, any lender can not charge more than 6 % interest. 
On this loan, that would be the Principal : {$600.00} plus 6 % interest : {$36.00} Based on PA law, I have overpaid by {$750.00}. 
Also- I can not see my account balance, loan document or proof of payments on my " online account. '' I have had to request proof of payments and balance from customer service, which can take a long time. They say that their website is " undergoing maintenance. '' It has been like this for the life of the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
In XXXX I opened a company. I had a business checking and savings account with Chase. The business began to make money. Chase offered me a business credit card - just sign here. So I opened card ending in XXXX. There was no attempt to advise me that this business account could - on certain occasion - impact my personal credit history. The business card was reported to TIN XXXX. 

The business held the card from XXXX until the business closed until XXXX. ( See final return ). However I continued to personally pay off the balance of the card after I had moved from XXXX, where the business was domiciled, to XXXX in XXXX. Chase Bank sent promotional offers to my new address. I also received some old business mail, which was forwarded to my new address as well as junk business mail. 

XX/XX/XXXX I was notified by the bank that my payment on card XXXX was 30 days late. The business card which had never been reported on my credit history, all of a sudden appeared on my personal credit report. I had no idea what was going on, just that my score had dropped and this was very damaging. 

I immediately called Chase business services. The Chase Business Services Representative told me that if I paid the balance by XXXX XXXX this would not affect my credit and would not move to a new department which I assumed to mean Collections. He told me that the only instance in which the negative ding could remain on me personal credit history is if the account goes into default. The account was paid in full by the end of the month. See attached copies of confirmation of payment, confirmation of XXXX balance and confirmation of business and not personal account letters from Chase Bank. I have also included the credit reports from the agencies that have failed to delete this entry from my credit report. XXXX has deleted the closed business card ending in XXXX. Unfortunately XXXX and XXXX have not removed this disputed reporting. 

I believe Chase Bank employed several unfair and deceitful practices on me. They failed to advise me of credit risk before accepting their business credit card. They further obfuscated the risk by never reporting the business card on my credit history - leaving me totally unaware of the risks involved. They misadvised me to pay off the card. They flout the law, which only calls for a business card to be reported in the event of a default. I paid the balance of the card off in 2 months. By law, this should have been deleted, as I have requested numerous times. 

I would like to file a report against Chase Bank as well as XXXX and XXXX to have this closed business card removed from my personal credit history. It was never there before and does n't belong here now, especially since it was closed and the balanced paid to XXXX in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I have an auto loan with Santander Consumer USA, and am going on the 8th and 9th year where I am still paying on this loan. In the time, I have been paying this car I did lose my job, found another job but I have upkept with my loan and it has never been repossessed. However, I find that the more I pay, the more I have left to go. I can never be done paying. As I pay the balance increases or stay the same, where all the money goes to miscellaneous fees? I do not know what they mean by miscellaneous fees. I need help investigating. I feel I have paid triple the amount the car is worth in this past 8 years I have been paying and I get run around answers when I ask about miscellaneous or all these extra fees. My mother has a loan with them as well and is on XXXX and her car has been repossessed because she has not been able to keep with all the late fee add up. At one point, XXXX charged {$35.00} a day for late fees. How is she or I ever to catch up? And when her car was repossessed at one point she was asked to pay an extra {$200.00} at the towing place to get her items that was in the car. I just feel XXXX is a thieving company and once they have you in their clutches you can never seem to pay them off. I would like to get an investigation into what they are doing to my mother and I please. I am just really tired and frustrated with XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
Ocwen Loan Servicing lied to a Federal court and indicated to them that they were my Lender and held first position as Lien Holder.  Evidence showed that Ocwen was not my Lender but XXXX and Ocwen had submitted a Fraudulent Title search using their own personal Title company to do the Title search, submitted the Fraudulent Title work to XXXX, Director of FHA .  They then sold their Servicer Contract to XXXX, another Servicer, a couple of months or so ago when it was discovered that they had submitted a Fraudulent Title to the Director of FHA, XXXX who indicated to them not to pursue a Foreclosure on my Property because FHA had an invalid Lien on my Property..  It has been found that both Servicers pursued Fraudulent Practices in underwriting, processing, closing and Mortgage Fraud.  Both Servicers showed that they escalated the amount of payment $XXXX 0f money fraudulently and statements is evidenced.  Hence, I am asking that the License be suspended and Revoke of Ocwen Loan Servicing and XXXX and their Records all be Audit.  My phine number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: WINN LAW GROUP, APC
State: CA

Complaint narrative:
I paid the debt in full in XX/XX/2008 and received a notarized letter from them stating that this debt was paid in full and that I no longer owed them any money. They contacted me a little over a year ago regarding this. I called and spoke with someone who had me fax over the paperwork that I have showing that it was paid in full. I called again to confirm that he received it and he said that he did and that everything looked to be in order. He said that if he had any other questions that he would call me back. I never heard from them again until just recently when they sent me the same paperwork again. I paid this debt off 7 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
My wife and I applied for a loan through Roadloans.com which is owned by Santander USA, we received a loan packet that give a apr of 24 % when I know the maximum loan apr for the state of Pennsylvania is 21 %. How can they get away with 3 % higher than state cap?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Green Square Company LLC.
State: TX

Complaint narrative:
The company has been calling me harassing me since XXXX of 2015. I have spoke to about XXXX people. I have the name of XXXX XXXX as a rep. All of the reps are very rude, call and tell me they have a incriminating evidence attached to my social and will read the last XXXX, tell me i have committed fraud and they will forward my file for further legal action, and good luck and will hang up. When I told XXXX XXXX i would be filing a complaint with a government he told he did not care what i filed. The calls from a several different places across the US from GA, TX and CA.

Company response to consumer: Closed
Consumer complaint received 2016-04-08 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I have an auto loan with Santander and each month when I make the payment online I 'm charged a {$10.00} " convenience fee '' The only way to avoid this fee is to mail the payment or setup auto pay with the bank - neither of these works well for me. What can be done to stop them charging a fee for me doing their work?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Green Square Company LLC.
State: LA

Complaint narrative:
I have asked this compnay to not contact me at work as I work at a hospital and can not receive phone calls. They recorded me stating this and still continue to call.

Company response to consumer: Closed
Consumer complaint received 2016-06-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I have XXXX auto loans with Santander Consumer USA with a 24 % interest rate.I 've been a customer since 2012 and my payments mostly go towards interest.I 've requested a modification to decrease the interest rate and payment but Santander refuses to offer any assistance.I was unemployed for five years.Both vehicles have over XXXX miles and the payoff for both vehicles is over {$19000.00} each including interest.It started out as a {$15000.00} loan.Santander needs to offer better assistance for customers who were laid off their jobs, because adding high interest does n't resolve the situation it make matters worse because the vehicle is not worth whatever the payoff amount is.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
financed a car thru santander consumer usa XX/XX/2013 been paying regularly since then got behind once and paid XXXX to get the car back when i was only behind 60 days for a total of XXXX then amounts of money i pay monthly never goes to the principal only on interest the loan was supposed to be paid off in 5yrs now their info says a 7yr loan the balance only goes up never down still owe according to them XXXX checked my credit report now says that its a charge off account and never is paid when i have proof then was pulled over because my car plate and vin has no info and being advised by dmv that santander put a freeze on my vin so i cant get the car plated anymore

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
XXXX XXXX, XXXX Finance company : Santander Consumer USA Issue : Financed my car for 1 year XX/XX/XXXX to XX/XX/XXXX/Car paid off/ Unauthorized withdrawal. 
- I made another deal for a new car. XXXX was notified on XXXX XXXX not to draw anymore money from my bank account for monthly payments, because the account should be closed right away. They were notified in writing, email, and telephone. 
- Despite all those notifications they debited my bank account for {$340.00}, on XXXX XXXX, XXXX and are still keeping that amount hostage, despite the fact that they have been paid in full by the new dealer. They cashed their payoff amount and still refuse to refund my money taken with no authorization. 
- I have been told that with their predatory lending practices include a form of retaliation for suspending a financing transaction, even when properly and timely advised. 
- I believe that they should refund my money, and I am appealing to you for assistance. 
Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I have sent two certified letters to XXXXSANTANDER CONSUMER requesting validation for a debt on my credit report. I never received any evidence that has my signature to prove that the debt is mine. XXXXSANTANDER CONSUMER has not listed this account as " in dispute '' within the 30 day period allowed and their willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ]

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: IA

Complaint narrative:
I have experienced a financial hardship due to my father 's death, my mother 's XXXX treatment, and a child becoming XXXX all within a period of a year. As a result, I have had difficulty making and keeping payments for my car. I have attempted a workout with the loan company, but they took payments on the wrong date, charged excessive fees to pay by phone, and attempted to take money from an account that no longer exists, despite me advising them of such. The car was out for reposession, however, they did not get it when they said they would. I have filed a complaint with the XXXX but not heard anything. I have no idea if they are still attempting reposession or not or are willing to modify the loan. The UPB is XXXX times the value of the car, and they refuse to work with me. XXXX representative stated the loan is charged off, but they will accpet the past due to reinstate the loan. I have made payments towards the past due, but I have not gotten receipts of those payments, despite the money clearing my account. They payments have not been returned, either.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: MO

Complaint narrative:
I purchased a car through XXXX XXXX XXXX XX/XX/2013. They offered me financing through Santander Consumer USA, Account # XXXX. Within 6 weeks of purchasing the car they were already calling me with that I was past due and needed to pay 2 months payments plus late charges, which I did. Santander continues to call me 2-3 times a day for payments and late charges and has now started contacting family members including my father who has passed away during this. In order to get out of this mess, I decided to find a way to find another lender to work with and payoff the loan to Santander. When I did the payoff amount is higher than the price I paid for the car. I have paid Santander over {$16000.00} dollars and they ( Santander ) state I owe them more for the car than I bought it for. Feeling extremely frustrated I asked Santander for an accounting of how all my payments have been applied throughout the term of the loan, and I have been asking for this now for over 8 months. I continue to get 2-3 calls per day, and family members do as well, and I have never received a statement and/or accounting showing me where and how my payments have been applied. I feel Santander Consumer USA is deceptive and has managed my account improperly with no idea of how the payments have been applied. Santander has been harassing and threatening me and my family members and has ruined my credit score by continuing to report me as late payments. Thank you for any assistance you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: OR

Complaint narrative:
I received a letter stating I had been overcharged one full payment for my auto loan. Santander USA has refused to issue my refund, stating I am not submitting proper identification. I have sent copies of my drivers license twice. They have promised I would receive calls from their financial department, and they have not contacted me.

Company response to consumer: Closed with explanation