vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-14 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
This Company would call my phone 10-20 times per day and they would also call my family. neighbors and friends and most of all my Mother who then relayed conversations with the company about where i was working, and asked her if she was able to let me borrow the amount of money i was late paying and when she refused they would do the exact same thing with my sister. They then locked me out of my own account and i could n't log in to make a payment. i sent 10+ emails and help tickets to get the account unlocked but they refused and repossessed my car. I never recieved any type of help from them after they totally cut me off from my own account and info. i called their numerous times trying to get it unlocked as well. I explained that it was my one and only way of making payment and they said i had to pay to get it unlocked. Their resolution for everything was known by them that it was impossible for me to comply. I was to call instead of using the website but i repeatedly and specifically told them that where i live Cell phone calls were impossible and i do n't have a land line. Knowing that email or the website was my limitation they used it to make demands and made them my only option. I was in the 4 th year of A 5yr loan that i accessed only on their website coobberating my assumption of ulterior motives and unfair, underhanded and unheard of method of customer support.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
I currently have a 14 % interest rate on my car loan. I went online and completed an application so that I can trade in my current vehicle and get a lower rate since refinancing did not work. The online application asked for my PPI and Employment/Income. After I was done I received a pre-qual good for up to XXXX. Shortly after I received a call from the dealer and I outlined everything that was of interest to me. I stated interest rate under 7 % and payment under {$300.00}. I never received a call back from the agent and shortly after found that they had completed XXXX hard pulls on my credit in addition to the one. These pulls were not authorized. I just filled a complaint with the company and have been receiving contact from a gentlemen that works there by the name of XXXX. He explained the dealer went back and pulled a tri-merge. I let him know that still was not authorized and that it is now going on two weeks and no one has even made an attempt to contact me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
I have been working for more than XXXX to have an account that has aged out be taken off my credit report. The credit bureaus seem to keep me in dispute without actually doing any investigation on its own and just taking this company 's word even when I show that it is wrong. They say they can not look back to see when a company reports an account delinquent. This account from Santander/Drive Financial has been on my report since with the first delinquency being reported in XXXX XXXX ( after I lost my job ) However, they now show a delinquent date of XXXX and have farmed the account to a collection agency ( XXXX ) which tells me that because they now have the account the clock starts over for that account. I have been told by both the credit bureau representatives that there is no such thing as a " consumer disclosure file which contains a comprehensive history of your credit information under FCRA Section 609 ( a ) ( 1 ). Please help me stop this company from circumventing the law for their gain, at the expense of the consumer. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
I bought a used car in XXXX from XXXX and financed it through Santander USA. I paid {$15000.00} for the car. I admit that I was going through a personal and professional crisis at the time and did not pay enough attention to the deal. When they told me my interest rate was XXXX it did n't make a difference to me, I needed a car immediately in order to get to work. I have now made XXXX payments on that car. The loan is maturing XXXX XXXX, XXXX. The principal is {$8600.00} and the estimated payoff is {$10000.00}. It is a XXXX hole of a loan -- having paid them in excess of {$27000.00}, I have a car that is virtually worthless -- and they still want another {$10000.00} from me. How can I have this loan adjusted to a realistic state and stop being charged extraordinary fees keeping me in what is in essence a predatory loan?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I 'm paying on an auto loan that 's XXXX and the car is worth about XXXX and I been paying for about 2 years and the loan amount have n't dropped. Seem like it 's getting higher. The company employees is very rude, yes I 'm talking about Santander.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-29 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: Synovus Bank
State: MD

Complaint narrative:
Ordered a First Progress Credit and submitted {$500.00} as security in XX/XX/2014It took a many weeks for them to process the card. 
I never went over the credit limit set with my deposit of {$500.00} but they immediately started charging fees and interest on my money. 
I called to ask about this and was told that is their policy. I cancelled the card in XX/XX/2014. They continued to send me bills. I called again and sent them a letter in XX/XX/2014 to again try to cancel. They sent me a letter agreeing that they would cancel. They said I owed them Approximately {$60.00}, how I do n't know since it was my money. 
I reluctantly agreed and they said they would send me a final bill. 
It is now XXXX and I have called a number of times. They continue to send me bills adding on interest and charges even though account was closed. 
They are very unresponsive and I feel that this Company is scamming people. 
They are very untrustworthy and prey on people trying to reestablish their credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
I was talk into getting this car with very high interest and there has been XXXX recall on this XXXX car with this car company.I feel like i been sold a lemon .This car was given back to this company and i dont think this should be on my credit and be removed.Manufacturer : Chrysler XXXX XXXX XXXX XXXX XXXX SUMMARY : XXXX XXXX XXXX : MALFUNCTION INDICATOR LAMP ILLUMINATION. POWERTRAIN CONTROL MODULE MUST BE UPDATED WITH LATEST SOFTWARE *CNervice Bulletin No. : XXXX Component ( s ) : ELECTRICAL SYSTEM, EQUIPMENT XXXX ID Number : XXXX All Products Associated with this Service Bulletin expand Details close XXXX Associated Documents Manufacturer : Chrysler XXXX XXXX XXXX XXXX XXXX SUMMARY : CERTAIN VEHICLES ARE EXPERIENCING SCREEN LOCK UP ON NAVIGATION OR DISPLAY BLANK, RADIO WILL RESET, INTERMITTENTLY, NOT ABLE TO DIAL PHONE FROM RADIO BUT CAN DIAL PHONE, TRANSLATION FOR XXXX LANGUAGE ADDED, AFTER DISCONNECTION PHONE, FAILS TO CONNECT PHONE, ETC. MODEL XXXX CHARGER, CHRYSLER XXXX, JOURNEY. *PEroximately XXXX model-year XXXX XXXX XXXX SUVs manufactured between XXXX XXXX, XXXX, and XXXX XXXX, XXXX The Problem : Water may enter the wiring harness for the antilock brake system module and leak into the module, disabling the ABS or electronic stability control system ; this could cause a loss of stability, increasing the risk of a crash. XXXX Chrysler Automobiles noted that it is unaware of any related injuries or accidents. The condition, XXXX stated, is typically preceded by the illumination of an instrument-cluster warning light ; foundation brake function is unaffected. 
The Fix : Dealers will seal the ABS wiring harness to prevent water from entering, replace the ABS module, and repair the headlamp and dash wiring harness Read more at XXXX : XXXX # XXXX Affected : Approximately XXXX model-year XXXX XXXX XXXX XXXX equipped with the XXXX four-cylinder engine The Problem : The plastic engine cover may become dislodged and, if it comes into contact with exhaust components, pose a fire risk. The problem was discovered during an investigation by the automaker following XXXX incidents in Chile ; in each instance the vehicle had been driven extensively on unpaved or uneven surfaces, XXXX Chrysler Automobiles stated. XXXX said is aware of XXXX minor injury associated with the issue Read more at https : XXXX # XXXX car has been a lemon and XXXX refuses to back the product they sell.I am extremely disappointed with this vehicle. I have had ignition and overheating problems.I was sold an a lemon and i want this off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
On XXXX XXXX, XXXX I purchased a XXXX Nissan Altima VIN # XXXX from XXXX XXXX XXXX XXXX XXXX. I noticed after a few days that the vehicle had transmission problems and returned the vehicle on XXXX XXXX, XXXX. The same day that the vehicle was returned I purchased a XXXX XXXX XXXX XXXX # XXXX. I was told that my first payment for the XXXX Nissan would be due by XXXX XXXX, XXXX and per my contract the new loan was financed through the same company as the XXXX Nissan which was Santander Consumer USA. In XXXX XXXX called Santander to make my payment and was advised at that time that I was never approved for the XXXX Nissan and that I owed a payment on the XXXX Nissan that was returned. Per the representative at Santander she recommend that I contact the dealership to inquire on when they will be submitting the documents on the XXXX car and providing the contract for the XXXX Nissan. I have called XXXX XXXX XXXX XXXX XXXX several times and no one has ever returned my call regarding the issue. The only calls that I have received from the dealership have been reminder calls regarding upcoming oil changes. 
I have contacted Santander USA several times as well and per my phone call on XXXX XXXX, XXXX the representative advised me that I am behind on the XXXX Nissan in the amount {$2700.00}. He also stated that the vehicle is out to be repossessed and my issue is not with their office it 's with the dealership and that I will be responsible for the deficiency balance once the vehicle is sold. In addition to the inconvenience of this whole entire situation I have also received an Adverse Action notice dated XXXX/XXXX/XXXX stating that they pulled my credit on XXXX/XXXX/XXXX and due to several reasons they have denied my loan. The problem is I never applied for any loan with Santander on XXXX/XXXX/XXXX. I purchased both of the vehicles in XXXX and that was the only time I authorized my credit to be pulled. My credit score has now dropped due to Santander reporting past due payments and a charge-off as of XXXX XXXX, XXXX. No one will help me get this issue resolved and at this point I 'm considering getting an attorney because I feel that the Santander and the dealership is trying to stick me with paying for a vehicle that I returned to the dealership months ago. Please also note that Santander is listed as the lienholder on my current contract for the XXXX Nissan Altima however they state they have no record of the car only the XXXX Nissan Altima that was returned to the dealership on XXXX XXXX, XXXX. Please help me to get this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: DC

Complaint narrative:
i bought a car in XXXX, XXXX i financed it through chrysler capital ( account number XXXX ). my first statement from chrysler capital arrived in XXXX XXXX and i made a payment of {$480.00}. the next statement i received ( in XXXX XXXX ), which i have attached, showed that my account was current and the next payment was not due until XXXX XXXX in early XXXX XXXX, i was notified by chrysler capital ( via phone ) that my account was overdue. i called them and was told that i missed my XXXX payment. i told them that my XXXX statement said that my account was current and no payment was due until XXXX. they said they had made an accounting mistake and that my XXXX statement was not accurate. apparently, they had mis-applied funds ( {$670.00} ) to my account, then later reversed it without notifying me. when this was explained to me by the chrysler capital representative, i said i would make a payment immediately and they told me that any associated late fees would be reversed since the error was not mine. my XXXX payment was made on XXXX XXXX, XXXX when i received my XXXX statement ( also attached ), the late fee had NOT been reversed, nor was my payment from XXXX XXXX applied. i called chrysler capital and they said that that my request to have the late fee reversed was denied. i asked to speak to a supervisor and they repeated that the late fee would not be reversed, even though the reason my payment was late was due to an accounting error made by chrysler capital. i asked to have the matter escalated and the supervisor connected me to chrysler capital 's 'office of the president ', which led to a voicemail box. i never heard from them after leaving a message. i now ask that any and all late fees from my account be reversed immediately, as i was told would be done since the mistake was not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16 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:
I keep receiving threatening, harassing phone calls from " XXXX '' " XXXX XXXX XXXX '' stating they are going to have me served court papers and have me arrested for non-payment of a payday loan from 2012, as they are stating they have converted this into a " bad-check '' case. They keep calling me from phone # XXXX, again, being very rude and threatening.

Company response to consumer: Closed
Consumer complaint received 2016-04-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Hi. I received a phone call from my finance company on XXXX/XXXX/16 in regards to my vehicle. I immediately advised the rep that I had previously asked Santander to place me on their do not call list he replied " obviously not since we 're calling ''. This representative continued on with the call without ever apologizing for calling although I stated I had requested not to be called by this company. I would hope that this is not the techniques taught by Santander when training new hires. This company has violated my rights as a consumer by continuously harassing me after I made a direct request not to be called. The agent who handled this call did so in a very poor manner. Not only was he rude but the tone of voice he used said he was owed something personally instead of the company he called on behalf of. It is very frustrating when a person becomes unable to pay for something they need and I do not believe anyone should have the right to call and make a consumer feel even worse about the fact that they ca n't take care of their debt at that time. I would like to see this matter dealt with accordingly because I take harassment very serious and this company should as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
On XX/XX/2015 I walked into XXXX XXXX XXXX XXXX XXXX. 
XXXX, NY XXXX I was looking around maybe trade in my car for something else, soon before I know I have a sales man approach me and started a conversation, I told him I was just looking and before I knew it I was sitting in the finance offfice putting me in a car that I could not afford, I told him I connot afford this car which in turn he replied do n't worry I 'm going to help you, I tell him I am on a fixed income, I do n't work I get my XXXX check once a month. My credit score is low, he said let me make some calls to what I 'm guessing are bank loaners and such.. So I ask him I can you put me in something cheaper maybe with what I get for my Kia Soul XXXX with low milage I had XXXX miles on this car, he offers me XXXX for my care and tells me the rest you can finance, I kept telling him I can not aford this car but he did n't seem to care he wanted my to leave the dearlership with one of his cars. I went back serveral times, even the next day, my car was gone, I ask him where is my car, he responded its gone, we already autioned it and that there was no way of getting my car back, so now I 'm stuck with a vehicle that I can not afford and a car note to pay more money then I can afford to pay, I told him I 'm on a fixed income over, and over, buy this time everyone that was being nice to me before I walked into this dealership were now turning their backs on me, saying sorry it 's out of my hands, there 's nothing I can do. So I contact the Bank that did approve the loan out of about XXXX or XXXX banks that denied me a loan and with good cause, because of my bad credit and low credit score, I ask them why would you approve me for a loan if I had such a bad credit history, they said well we go by what the finance Manager provides us, so I ask them what did he submit as to my income they told me he said to us you make XXXX a year when in reality I only get XXXX check a month for XXXX a month which comes out to XXXX a year. So I knew right there he is falsifying people 's income in order to put these loans through. Please help me bring this car dealership down this is fraud, this is a crime god knows how long they have been doing this to unsuspecting innocent people like myself, PLEASE HELP ME!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, National Association
State: OH

Complaint narrative:
New York community bank is trying 2 take my home. Underwater mortgage houses in area under value. They say they sent me a loan modification plan which I have not received. Please help me! I have had my home since 2000! Predatory lending at underwater Morgage this is

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 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:
Hello My name is XXXX XXXX and I have a XXXX XXXX XXXX XXXX through Santander Consumer USA. I got the truck back in XXXX and had some financial hardship when my got sick and had to stop working. The vehicle was repossessed but they gave me ten days to get it back. They told that if I paid the past due balance that I could get it back in good standing so that 's what I did. This past XX/XX/XXXX I was trying to purchase a home when I found out that they charged off on the loan and wrote it off as a bad debt. The truck is still in my possession and I 'm making payments on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Filings and Claims Inc.
State: CO

Complaint narrative:
People are calling my family threatening to have me arrested saying they have to get ahold of me for a court summons They leave this phone number XXXX and a case number. They call my family everyday and have even threatened to throw them in jail if they do n't find me. XXXX family member received XXXX calls in one day. The loan was over 3 years ago. I 'm now on XXXX and ca n't afford anything right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I 'm the sole account holder of the Macy 's XXXX credit card and I gave no one authorization to use it nor did I add anyone as an authorized user. Someone used my social security number, name, address but not the physical credit card to buy merchandise worth {$7800.00} at Macy 's XXXX As a result of these fraudulent charges, I 've asked Macy 's XXXX to close my credit card account yesterday. 

More than an year ago I 've placed a security alert on my credit card account by requesting the customer service of Macy 's XXXX to verify the person 's ID before allowing purchases and allow purchases only if the Full name on the ID matches the Full name on the account and the face picture. When I called about the fraudulent charges on my account, I was told by their customer service that due to the busy holiday season, the associates were liberal and that they may not have always the time and liberty to check for the persons ' ID and that they allow purchases as long as they can pull up the account by social security number even if the person does not have the physical credit card with them. I would like to report Macy 's XXXX for not following the security guidelines I requested to be in place on my account and for letting someone who knows my social security number to use my account to buy merchandise worth {$7800.00} when actually my credit limit set by Macy 's XXXX is {$1200.00}. The current balance on my account is over {$9000.00}. I ca n't afford to make even the minimum monthly payment which is around {$260.00}.

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