vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-03-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BOK FINANCIAL CORP
State: MO

Complaint narrative:
As a result of a car wreck I got behind on my mortgage. I have lived in my home since XX/XX/XXXX and only owe under {$10000.00} total to pay off mortgage in full. Bank of Oklahoma refused to work with me on a repayment plan early on in the stages of my being in arrears. Since then they have fast tracked foreclosure proceedings. As of today I gave correspondence from the law firm hired by the mortgage company stating if I pay approximately {$5000.00} by XXXX XXXX the loan will be completely on track again. I will have the full amount to the law firm by XX/XX/XXXX pursuant to our agreement. On the interim Bank of Oklahoma has contacted my homeowners policy provider, XXXX XXXX, on numerous occasions stating they own my house now, that I do not reside their any longer and instructing them to cancel my policy. I have kept in contact with XXXX XXXX and told them they are not to listen to the mortgage company and today I received a check from XXXX XXXX for the refund of my policy as it was terminated at the instruction of Bank of Oklahoma. Additionally, Bank of Oklahoma has continued it 's malicious conduct by having XXXX separate appraisers contact me at work stating they need entry into my home to appraise it immediately. I am beginning to fear I will pay the {$5000.00} requested and they will claim it was not received or just take the money and not honor the written agreement I have with the law firm they hired and who is acting as their representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: MI

Complaint narrative:
On XXXX XXXX, XXXX I obtained a new XXXX XXXX XXXX from XXXX XXXX in XXXX XXXX, MI and during the transaction, turned in my XXXX XXXX XXXX in accordance with my lease agreement. The vehicle had no damage and XXXX XXXX took custody of the keys and secured the vehicle on their lot. 

Approx 1 month later I received a bill from Chrysler Capital for {$940.00} with the only explanation being " Excess wear and tear : Body Damage ''. Upon speaking with XXXX from Chrysler Capital on XXXX XXXX, XXXX I requested a detail of the damages and received same on XXXX XXXX, XXXX. 

The damages listed are from a report taken XXXX XXXX, XXXX ( more than 1 weeks after I turned in the vehicle to XXXX XXXX ) at a location in Ohio ( a different state more than XXXX miles from XXXX XXXX ). The report alleges damage that was not present on the vehicle at the time of turn in. 

Chrysler admitted that they failed to do an inspection in a timely manner ( a week later ) but failed to admit that they drove the vehicle out of state prior to the inspection.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I have a 6 year loan with santander on a XXXX dodge journey. I purchased the car XX/XX/2013 The pay off amount was for XXXX after finances were added. I have had this car for almost 3 years and the pay off amoumt has increased to XXXX dollars and has never lowered. Santander has lost payments, and after deferring two payments have started calling 4 to 6 times a day saying I am over XXXX dollars behind.I have been blocked out of my online account and can not retrieve any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Grant & Weber
State: OH

Complaint narrative:
To whom it may concern, I spoke to a rep at your office this morning ( XXXX XXXX ). He was unwilling to work with me on my debt even after I offered to make payments on my account. He told me if I did n't pay off the account within XXXX days he would report it on my credit bureau. I explained my personal situation to him and he was unphased by it. it was the bottom line or nothing. In my research online I read that many collections agencies by debt for pennies on the dollar and have the ability to work with people to come to an arrangement to benefit all. This person was unwilling to do so. I have filed a complaint with the FTC and CFPB. There has to be someone out there to protect consumers from this type of bullying. I can argue all day long how the medical group handled this situation and how I even got to collections in the first place but that is neither here nor there. I do question the validity of this debt and claim. I am XXXX positive and this is very stressful. I live day to day and try to make ends meet. Consider this my notification to your office. 



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 2015-12-23 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: Green Square Company LLC.
State: CO

Complaint narrative:
I got a new phone number out 5 years ago. Apparently someone named XXXX XXXX had the number before me. So for the past 5 years I have been getting calls from many credit collecting companies. I would explain to each company that would call me what was going on and to please remove my number from there calling list. They all said yes they would do this. But all they did is sell it to the next credit collection company and the next company would start calling me. I realize that I can send a company a letter to stop contacting me. But they will just sell my info to the next company and the saga continues. 

Thanks XXXX

Company response to consumer: Closed
Consumer complaint received 2017-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: College Loan Corporation
State: OH

Complaint narrative:
I noticed on my credit report this student loan was reporting as 90 and 120 days past due in XXXX and XXXX XXXX.I believe this information to be erroneous. I have tried contacting this company and contacting the credit bureaus to no avail. There are several reasons I do not believe the reporting is erroneous : 1. I am attaching a copy of my college transcript which shows me full time enrolled through summer quarter 2012, which would have ended in early XXXX 2012, which would have meant my loans should have been in forbearance. The would have been removed in XXXX so the most the loans could have been in 30 days past due. 
2. I was never given any information from the lender about the loan. I called the lender last night and spoke with XXXX, who was very helpful. He advised that calls were made to phone number ( XXXX ) XXXX. That is not and has never been my phone number. My phone number is area code XXXX. I had XXXX repeat the phone number on file twice. He also advised a correspondence was mailed to XXXX XXXX XXXX That was not the correct address for me at that time either. 
XXXX advised me that during a call to set up payments on the account in XXXX 2012, when my account was current and I was being proactive, I would have supplied the lender with the false phone number and address. That seems illogical for someone that proactively called in a made a payment. I pleaded with him to pull the call and listen to see what occurred. He called me back this evening and stated the call ca n't be reviewed due to retention policies. However, he advised that he has to assume the lender did what they were supposed to do. So if you do n't know who made the error, it has to be the customer? That seems unfair and deceptive. I feel helpless in having this issue resolved. Please help!

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 2017-02-12 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:
There is an unauthorized inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I received documents from a local processor or server from MCM Midland Credit Management , Inc. also Midland Funding. All of these names or company names are on XXXX sheet of paper of the letter. It is for a debt that is being collected for XXXX, also XXXX XXXX XXXX Bank. I called and made arrangements for this account to be taken care of by allowing them to collect {$50.00} a month until the debt was paid. They have since taken out two months worth of payments. I received another set of paperwork, that is dated XXXX XXXX, 2015, and it states that I need to sign the documents and send them back, or " Failure to sign and return these documents will delay the settlement of your case and may result in the continuation of litigation. '' I called the office of this company and/or group of lawyers, as on the documents it lists XXXX names of attorney of which only XXXX signed? I am really confused, so I had my wife call to get information as to why I need to sign this after making arrangements two months ago and they have already agreed by taking payments out for the Months of XXXX and XXXX. When my wife called, the lady who answered was very rude and kept asking her if I was being represented by an attorney and my wife said she had consulted someone. The lady at this office would not transfer my wife to the account manager unless she answered her questions as to whether I had an attorney or if I was being consulted. My wife said, just transfer me to the account manager. The lady stated our account manager was " XXXX '', but she refused to transfer my wife to discuss the matter and find out what exactly to do and why. My wife was frustrated and hung up because the lady was rude and would not even let her finish her sentences. It 's impossible to deal with people who wo n't answer questions and explain details, therefore, why am I making an effort to pay a company that deals in this manner. I have made many arrangements and have successfully paid old debts, on time since our lives have come back together financially. I do n't feel I should have to deal with a " gate keeper '' in order to pay this debt or be insulted in order to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
I have had a bank account at Citibank for 13 years. At the time of opening, i negotiated a package with no monthly fee and no minimum. I just noticed on my online account that I am being charged a monthly service fee of {$25.00}. I looked back, and this fee was assessed month after month since XX/XX/XXXX. A total of {$270.00}. Citibank CLAIMS they sent me a letter telling me of this change, but they could n't have because I never would have agreed to it. I called and made a stink and only got {$100.00} back. This from someone who has XXXX bank accounts, a credit card and mortgage with this bank, and who certainly has less money to burn than Citibank does.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
I purchased a XX/XX/XXXX Ford Explorer XX/XX/XXXX. I had XXXX for the first year of payments and then was transferred to Santander for the remaining. I paid my payments for a total of 7 years on a 6 year loan and ever time I would think I was going to pay it off I would still owe {$3500.00} to {$4900.00} dollars. I tried to call them and ask them how this is and how I still owe this amount and they were really rude about it and would n't give me an answer. I paid a total of {$42000.00} dollars for this truck that 's worth about {$2500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Filings and Claims Inc.
State: CO

Complaint narrative:
Was contacted 3 weeks ago and set up a payment plan for a check that is from 2008 they told me if I did n't get the {$250.00} paid off that they would be charging me {$1900.00} and take it out of my tax return. 
A week before the payment was due they called repeatedly about 6 times through the week to remind me over and over of my payment. 
My payment was due today but I had not gotten to the bank yet to put money in. They started calling at XXXX and called my phone XXXX times in a row back to back. I was in a different room dealing with my neices at the moment. I had answered the XXXX call from them and told them to stop blowing up my phone. They called back XXXX more times in a row. 
This is harassment and it needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
On XXXX/XXXX/2016 I sent of a promissory note to payoff my loan with Santander Consumer USA. It was sent by Registered mail and was delivered XXXX/XXXX/2016. I received a letter from Santander Consumer USA stating that they do not accept my note however they did not return it to me either. The note was for {$14000.00}. The tracking on the delivery of the note is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Green Square Company LLC.
State: OH

Complaint narrative:
I have been contacted multiple times with threats that if I do not respond within the day I will be sued. Called to try to settle on a debt I believe to be paid and when I offered settlement amount just to get them off my back, I was told they would have to check with the 'courts '. Continued to receive a call every hour for the rest of the day. Still never received a 'validation notice ' or a notice of the right to dispute. Just constant threats of legal action.

Company response to consumer: Closed
Consumer complaint received 2016-05-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
I took out a loan with Santander USA on XXXX/XXXX/XXXX. I bought a XXXX Nissan Sentra through XXXX in XXXX TN. Since the very beginning of this loan, they have constantly stated the note is always past due. See my photo of the due date of my first payment ( XXXX XXXX, XXXX ). I was informed that I would never catch up because since my first payment was 45 days past the purchase date, I was already being charged over {$670.00} in finance charges. This is a total scam. Nothing they ever say makes any sense. I have made extra payments, made extra bulk payments and been harrassed about the car being repossessed. My rate is 24.99 %. When I bought the car, I was told I could refinance the vehicle in six months after on time payments. That was a lie. Santander does not refinance anything. I have paid close to {$30000.00} for this car that currently has a book value of {$4500.00} and I still owe over {$16000.00} on this car. Every month, they charge me a late fee but my payment is not late. Every month they also charge me an over a thousand dollars in late fees and interest. This is a simple interest loan which I did not know nor understand what that was and was never explained to me. I still do n't really understand how this XXXX XXXX company can legally charge me triple interest and late fees every single month.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
i was financed by santander consumer usa. i made XXXX payments, most of it was XXXX per month, there is a lot of costly issues with my car, i asked them to pay XXXX a month since my issues needs to be fix, they would call me all times of the day, sundays and on holidays, sometimes i get angry, because i am paying my loan, now it is intress added to intress, now they want me to pay XXXX a month, or get reposess, can i get some sort of help, the car is worth around XXXX dollars, used the price i payed so far, for them to reposess my car for,XXXX XXXX dollars, is pure bullie in, can i get some help please, i rather give back the car so not to have repo on my credit. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-04 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: NY

Complaint narrative:
False information on my credit report regarding the original amount of the loan, the time reported to agency as a late payment. Inaccurate amounts monthly payment amounts. Reported to credit bureau as late after the account was paid in full. The account was paid in full as of XX/XX/XXXX. However, they never sent the car title, when I called them in XX/XX/XXXX, they told me there were fees owed on the account that were from the beginning of the loan in XX/XX/XXXX. I immediately XXXX the misc. fees, I have my receipt of the XXXX sent. They had never contacted me regarding those fees, the only way I discovered the fees was when I never received my car title. As matter of fact they claimed they sent my car title XX/XX/XXXX, they never did and want me to send money to another agency to pay for a car title, that they never sent. The company is deceptive in their practices. I have contacted them on several occasions and they sent me from one department to another and to voice mails. I have disputed this with all credit bureaus and will keep disputing it. Additionally, the original monthly payment was not, {$220.00} for 54 months. The car note was reduced to {$220.00} after I became unemployed and after two years of struggling to pay the note. One agent finally looked at the file and put me in a program to assist me, had they done that from the time of unemployment it would not have taken me seven years to pay it off. However, they are not reporting that, The last car note was paid on XX/XX/XXXX. All information of reporting is inaccurate. Santander has been deceptive in their practices. I paid on that load from XX/XX/XXXX to XX/XX/XXXX. They reported me to credit bureau for misc fees on XX/XX/XXXX as the date of my first delinquency and the account was closed XX/XX/XXXX. They reported to the credit bureau a late payment for the fees I never knew were on the account, after I PAID MY LAST CAR NOTE XX/XX/XXXX. As I stated the only reason, I discovered the fees was because I never received my car title and called them, XX/XX/XXXX, found OUT ABOUT THE FEES AND IMMEDIATELY PAID THEM. I have the copies of my transactions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-22 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Grant & Weber
State: CA

Complaint narrative:
Grant & Webber has not corrected their report to the major credit reporting agencies that their claim to me for medical costs has be settled circa 30 days ago. This is the only ding on my credit and is a false report until corrected by Grant & Webber. The false statement is that I owe anything at all, since this was settled by my lawyer and hence Grant & Webber is attempting to claim or says they are owed monies they are not owed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-04 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Shopping for a loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
XX/XX/2015- SANTANDER CONSUMER- I Co-signed for a truck for XXXX XXXX XXXX When the saleman came to my house to show me the truck XXXX XXXX had picked out, ,I told him " I will NOT Cosign Anything unless it had the " life Insurance '' added on it -- so if something would happen to me or XXXX `` That truck '' will be paid for. He told me " No Problem '' he 'll add it in the contract. ( I have a witness that was here the entire day ). When he ( saleman & sales lady ) came back with the contract I asked him " Where is the Life insurance '' on the contract -- He pointed to it & said " you requested it '' so " there it is '' ( I have a witness to this fact ) because they were standing right beside me when he pointed to it. So i Co-signed the contract. Day 's later i sat down and read that contract " Word for WORD ''. ( Which i still have ). After reading the contract i was SHOCKED to see that I WAS LIED TO!! He NEVER added any " life Insurance '' on the contract. He LIED to me Just to get me to sign " His Big commission '' check off that truck!! When i called the dealership to complain about " how i was Lied to '' I was given the run-around!! I was Ripped off & lied to!! After i told XXXX XXXX " what WAS N'T '' in the contract after requesting it to be added ( But was n't ). He decided to turn that truck back in to the dealership after just having it for just 2 week 's. When i called the dealership to inform them that XXXX XXXX will be bringing the truck back " I was talked to VERY Nasty from a lady that work 's there '' & she told me " He CA N'T bring that truck BACK, If he does I 'm going to mark it as Re-po truck!! I told her Anyone has 30 day 's to keep it or take back any car they get ( like the lemon law ) She said " Very NASTY '', " Do n't Matter '' You bring it back That 's what will be marked on that truck. She 's the only one from that dealership that actually told the TRUTH!! I 've been looking into this matter to get it removed/taken down ( credit level/score ) on my report, which is a XXXX. There is alot of companies out here ( fee 's are VERY High ) & i can not afford any of them. I was told how to get my free report and how i can dispute it. In my opinion, This was just Fraud from the saleman from him lieing to me just to get me to sign that bottom line. My company that was here that day told me they would be glad to write a statement to the fact of " What that saleman told me '' about adding the Insurance on the contract. PLEASE HELP ME, PLEASE!!

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

Complaint narrative:
XXXX and XXXX have deleted the XXXX account why I think having a auto loan in good standing would be good for my credit why was it deleted. There is no explanation. How much longer do I have to endure this I am literally ready to put a XXXX to my head this is XXXX. This game has to stop. There is NEVER any steps given how they come to there results.

Company response to consumer: Closed with explanation