vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Performant Financial Corporation
State: MI

Complaint narrative:
I have never received notification of this alleged debt of {$200.00}. I have no idea what it is for and why it is on my credit report. I demand immediate removal from XXXX. This has caused my score to drop unnecessarily.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Fay Servicing, LLC
State: NY

Complaint narrative:
Robo-signing is illegal and has been outlawed in the State of New York. I have discovered the Assignment of Mortgage on my loan was robo-signed by serial robo-signer XXXX XXXX. 

Fay Servicing is trying to unlawfully claim ownership of the mortgage using a robo-signed Assignment of Mortgage. 

On XXXX XXXX, 2007 XXXX XXXX was [ n ] ot an employee ( Vice President ) XXXX on that date. XXXX XXXX was also showing to be an employee ( Vice President ) of XXXX Bank, XXXX on XX/XX/XXXX, 2007.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: Van Ru Credit Corporation
State: VA

Complaint narrative:
Females from Van Rue of Illinois called XXXX, claiming to be from XXXX. I am in XXXX. They claim to be checking for some XXXX XXXX of a XXXX location. After checking, they are not from XXXX but from the rogue Van Rue Debt collector. I contacted individuals XXXX. XXXX XXXX appears to have its hands in several illegal acts : XXXX scam, embezzlement, and illegal drug sales.

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 non-monetary relief
Consumer complaint received 2016-06-16 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
debt was included in BK XXXX they are continuing to collect a debt that I have been relieved from filed in XXXX 2016

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Performant Financial Corporation
State: IN

Complaint narrative:
I received a letter from Performant Recovery Inc. stating they were a private collection firm contracted by the U.S. Department of the Treasury, XXXX XXXX XXXX to collect a delinquent balance owed to Dept of Health Human Services for {$1300.00}. 

I have received no prior communication from any government agency that I owed this money and after several requests for details from this company no information is provided.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-26 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Community Health Investment Company, LLC.
State: FL

Complaint narrative:
I received XXXX in XXXX. I received a bill of over {$1600.00} from the medical facility. I made arrangements with their billing company to make monthly payments of {$73.00}. I set the payments to happen automatically from my bank account every month and did n't miss any payments. I went out of town on the XXXX of XXXX. Yesterday, XXXX XXXX, I received a call from a collector. The billing company sent me to a collector and they are asking for over {$120.00} per month. I am trying to reach the original billing company. XXXX of their representatives confirmed that he could see my monthly payments but my file had not been updated to reflect the payment arrangements made. They say they can not do anything at this point and that I have to deal with the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Van Ru Credit Corporation
State: NC

Complaint narrative:
i found out XX/XX/2016 -13 years later that I had a student loan with XXXX and that it was in default. XXXX turned it over to Van Ru which started harassing and threatening calls. when I tried to find out about the loan and why it was so old they told me I had to write in as they would not respond to emails. I have been mailing them almost 8 months to find out where the money is going they are taking out of my check but they do not respond. they send me a court order and used USA funds letter head. I would really like to know where the money is going and how it is being applied to my 13 year old loan that I did not even know about.

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 non-monetary relief
Consumer complaint received 2016-02-03 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Overton, Russell, Doerr and Donovan, LLP
State: NY

Complaint narrative:
Contacted 'law offices ' and could not get proper balance when requested. Also having paid on this debt for over 1 year have never received quarterly accounting of the debt while the consumer makes payments. 

Unsure what is currently owed and lawfirm has told me I must keep paying.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Overton, Russell, Doerr and Donovan, LLP
State: NY

Complaint narrative:
I have a paid credit alert service with XXXX XXXX. I have been alerted that a collection company, named Overton Russell Doeer Donovan, has been falsely reporting that I have an account opened with them. The first alert was an account " opened in XXXX 2016 '', which I had to fight a long time to remove from my credit report. And now they have reported that there is another account " opened in XXXX 2016. '' Their fraudulent actions have continued to affect my credit score negatively. My credit score has gone from mid XXXX to mid XXXX. I am hoping to refinance my house repair cost and possibly the current mortgage. But with their fraudulent reportings to the credit bureaus, I am not able to get the best rate. The consumer credit score and the consumer credit report are extremely important in my financial health, as for many other hard working individuals. I am extremely indignant that this company continues to " toy '' with my personal information and credit information. I do n't even know what they are trying to get out of this. But this needs to stop today. Thank you for your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: MS

Complaint narrative:
I reached out to my lender in XXXX 2014 to advise that I had been in an accident and the car would be going into the mechanic. The accident happened after I was forced to cancel my XXXX that I was offered and kept me from obtaining additional employment. I was in communication with the lender initially and I stopped hearing from them until I reached out with an update. I was finally able to nail down employment in late XXXX and reached out to the company to advise that I was going to be returning to work and had reached out to the mechanic to get my car back and was told that I owed him money, after the supplemental check had been cut from the insurance company. I reached out to Santander and advised them of this and I was told that someone would go out to the location, appraise the work done and pay the mechanic. After that was completed, I was advised that I would receive communication with the next steps. A XXXX months passed and I made a few calls initially but there was no update so I decided to wait, as told initially. I reached out again in XXXX when I had funds available and full intentions of paying them impound fees and getting my car back and was then informed my car had been sold at auction the week before. I advised that this was not an issue, if the car was no longer my responsibility. The agent advised that because the car was sold, I was not liable. I then was refused an apartment and ended up homeless because two months later I get a credit check done and at the last XXXX a lien shows up on my credit that I defaulted on auto loan, which is untrue. Throughout the entire time the car was with the mechanic, I was repeatedly advised that upon completion of work done, the loan would be modified to reflect the time that it was out of commission and therefore I was not late. It would be a totally different situation had I not done my due diligence, but every agent I spoke with was aware that I had XXXX from XXXX to XXXX and no one took the time to update my mailing address. It slipped my mind as well but that is n't my job description. I should not be punished for a company 's poor business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I have notified Santander Consumer that I was a victim of Identity Theft, my wallet was stolen, I provided Santander Consumer with a Identity Theft Affidavit. To date, Santander Consumer has failed to remove this account from my credit file. So, I am in need of your assistance in getting this account removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: LDF Holdings, LLC
State: MI

Complaint narrative:
I borrowed XXXX and this company want {$4000.00} back I blocked them out of my account and so far have paid them almost {$800.00} in addition they are charging an additional 200 % making it impossible to pay them off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: NM

Complaint narrative:
I purchased my 2011 Volkswagen Jetta in XXXX XXXX the car was worth {$16000.00} we have tried to be up to date with the payments but I recently found out that I still owe XXXX after making 45 months payments of {$460.00}. This means that we have payed more than the car cost for us to still owe {$18000.00} this is highly unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I had a cashiers check of {$2800.00} sent by next day mail to Santander Consumer USA to payoff my account. The check was sent by my bank to XXXX 's overnight mailing address by FedEx. The package is shown to have been received at XXXX on XX/XX/XXXX and signed for by a person of the name XXXX XXXX. I waited for a few days to give time for the payment to process and my online account to be updated. Upon five business days on XX/XX/XXXX I contacted customer service for a status of the payment. I was advised that no such payment had been received for the account. Over the past three weeks I have contacted them for status of the payment and no one has a clue as to what happened the payment. I requested to speak with supervisor because no one seem to want anything to do with the situation. A supervisor had me fax proof of the payment and tracking information on XX/XX/XXXX. I call back to see if the documents were received and was hung up on, this has happened a couple of times throughout this process. For the past week I have contacted Santander as to an update of what is going on with the situation and no one will give any information other than there is no resolution yet. All the while my account is still actively gaining interest and I am out of {$2800.00} that I can no where near replace. I have contacted my bank to see if the check has been cashed yet and it has n't. They advise they can put stop payment on the check but I still would not receive my funds back for 90 days after the check was draw. That is the stipulation for cashiers checks since they are guaranteed funds. If the check is not found and I received my funds back by XX/XX/XXXX, Santander will surely say the payoff amount is not valid and will want any accrued daily until then. I have done research and see that many others have had the same issue of disappearing payments to Santander Consumer. I found a number to the office of the president and left message on the voicemail on XX/XX/XXXX. I have yet to receive any response from them or anyone in the company, they seem as if they are ignoring the situation entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: Synovus Bank
State: GA

Complaint narrative:
XXXX ( Synovus ) charged my account XXXX separate fees of {$36.00} totaling {$210.00} plus a separate fee of {$35.00} the next day. The {$35.00} fee was described as a continuous overdraft charge. On XX/XX/XXXX, I had an electronic transaction in the amount of {$370.00} presented to the bank. However, I had dated the transaction for XX/XX/XXXX. When I saw the bank had prematurely processed the transaction, I immediately deposited {$400.00} to cover the charge. The electronic transaction plus XXXX small transactions were still pending when the deposit was made. On following business day, the bank charged me the {$210.00} for the XXXX small transactions. These XXXX small transactions were arranged by the bank in the order to where the large transaction was paid first followed by the small XXXX transactions. This was done in order to maximize the number of overdraft fees. The bank 's response was that electronic transactions are always paid first and it was just a " coincidence '' that the electronic transaction was larger. However, I have evidence that this is not the case in where I have had a larger debit card transaction paid ahead of smaller electronic transaction previously. 
Synovus has a history of the practice of acting in bad faith by processing transactions in an order that would net them the most in overdraft fees as seen in the lawsuit " XXXX v. Synovus Bank. Synovus paid XXXX XXXX to settle this lawsuit just last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: CT

Complaint narrative:
I just paid a car loan settlement off in full from SANTANDER and i 'm working on repairing my credit to try and obtain a mortgage. I need a letter stating i have paid the loan off and they want me to wait at least XXXX days. Unfortunately, i cant wait that long so i need the letter faxed or emailed to me now so my mortgage lender can fix my credit. They have taken the money out of my account already and there is no reason why they cant send documentation stating that they have been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Santander Consumer USA have reported inaccurate 30 days late payment on XXXX & XXXX for total of 5 times, I 've tried contacting them to solve this issue and got no response back or positive results, and now since the account is paid off in full I ca n't get through to them and so I contacted the credit bureaus but they keep on tossing me back to Santander, so PLEASE help me to solve this issue. 

the 30 days late payments reported are : XXXX of XXXX, XXXX and XXXX of XXXX. 
please help me to fix this inaccurate information as it 's hurting me financially and mentally XXXX me through my regular every day life.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15 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:
I purchased a car for my then husband in XXXX XXXX that was financed through Santander. In XXXX XXXX when our divorced was finalized, our divorce decree stated he was responsible for all payments on the vehicle. This was forwarded to Santander who stated they could not honor the divorce decree and the loan was still my responsibility. My ex husband continued to make payments sporadically then decided he no longer wanted the car. I tried to continue the payments on them but just could not financially afford to. The vehicle was voluntarily surrendered to Santander in XXXX XXXX. They have sold the vehicle since and reported the unpaid balance as a charge off/repo. However they are also reporting it monthly as a late payment. If the loan has been charged off, why are they continuing to report a late payment monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: M H Loans Corporation
State: CA

Complaint narrative:
On XXXX XXXX 2015 at XXXX I spoke to a XXXX XXXX who works with MH Loans Corp XXXX # XXXX. I explained that I was thinking of attempting financing to purchase a Mobile Home in my area, but I was n't sure how my score would appear as I had just experience a sudden reduction in my score for unknown reasons. I was in the process of exploring so I wanted to her to help me out with a report so I knew which way I wanted to proceed with an offer I was preparing to make. She told me that it was late that afternoon but would run my credit though her under writer the next morning, and call me once she had an answer. 
The next morn came and went without hearing from her or anyone from her company. At around XXXX I attempted to call XXXX XXXX at XXXX but only received a FAX tone. at which time I called my real estate agent XXXX XXXX XXXX, I reached XXXX XXXX and was going to tell her that I had asked this Mortgage loan company to advise me of my chances of getting a loan. XXXX XXXX at this time informed me that she had been informed by the selling agent that the lender XXXX XXXX had called her ( the sellers agent XXXX and XXXX XXXX had gone into detail about my wife and my credit file. I at that time told XXXX XXXX XXXX my agent ) that I had n't heard from the lender and wanted to know how was the other agent notified of my financial status before I even knew what the outcome was. More over how and why was someone whom I had n't authorized to be involved in my credit file nor had I or my wife even made an offer to this other agent concerning any kind of bank financing. at this point XXXX XXXX and MH Corp have violated several sections of FCRA and this has now resulted in a total breakdown of any possible negotiations between my wife and I concerning a potential sale. I do have more testimony of XXXX XXXX XXXX My Agent ) of even more detailed information that was pass along to her and the other agent from MH Loans Corp and XXXX XXXX of which I will forward to my Attorney XXXX XXXX XXXX XXXX No Relation to my Agent XXXX XXXX XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
I purchased an automobile through XXXX and it was financed with Santander Consumer USA. I had to have a co-signer to ensure that I could get the car. The car was totaled in an accident that I had where a tree was in the road and due to low viability, I drove over the tree. My insurance totaled the car out and there was a renaming balance left on the finance. During my finance I was harassed by agents telling me that my car was up for repossession and I was not even 60 days behind on my payments. I have requested validation of the payments that they are reporting to my credit history. This has damaged my from getting credit with other creditors. I would like for this to be removed from my credit report and ensure that it is not sold to another company who will then report it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
on XXXX I was contacted at XXXX on XXXX I was called not once, not twice not even three times but 5 times after 2 messages were left on the same day not even 2 minutes apart both a minute long. I have been in constant contact with this company to advise them I was part of a settlement program and the lady very rudely told me she had no idea what I was talking about. I have been with this company since XXXX and have been in constant contact. My husband will be leaving for XXXX soon and my mother will be going through her XXXX after battling XXXX. this has been a rough 8 months and I have kept them informed every step of the way so for them to harass and call me and not have anything notated of what is going on is absurd and frustrating disheartening. We turned the car in on XXXX/XXXX/XXXX at XXXX I informed them of that. we do not have another car and we were told the payoff was sent on XXXX/XXXX/XXXX. I can not control the situation but it does not give them the right to harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: CT

Complaint narrative:
I made 33 payments totaling {$19000.00} the car costs {$26000.00}. However, my balance is {$21000.00} meaning of {$19000.00} the principal applied was only {$4700.00}. Somewhere around {$3500.00} should be my interest for the 33 payments before the insurance applied the payment I should have been at {$17000.00} and some change considering that I paid for youse guys say that about XXXX and some change was applied to my principal.

Company response to consumer: Closed with explanation