vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-31 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: APPLE FINANCIAL HOLDINGS, INC.
State: WI

Complaint narrative:
I share a joint checking account with my girlfriend. this passed spring she was victimized by an online predator ( s ) who was extorting money from her, as well as others, in some sort of ponzi scheme. This person, or people, were able to get her to send XXXX separate wire transfers totaling an amount of {$22000.00} to an Apple Bank branch based in NY. I have attempted to contact a number of representatives from the bank and they have informed me that the money was in an account who belonged to another woman who was also victimized and that the funds in the account have been frozen due to suspicion of bank fraud. My girlfriend attempted to contact our XXXX XXXX bank that the monies were sent from who told her to call the police, she then contacted the Apple Bank in question who refused to speak with her, she then contacted the FDIC who suggested we file a complaint with CFPB. My girlfriend is also not in the best XXXX health at the moment and is currently receiving health care for this. Such is the reason these predators were able to dupe her into unwittingly making these wire transfers. I ask that you please contact me, as well as the involved banking institutions so this can be resolved and our funds returned to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 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:
XXXX XXXX Financing the ones that financed the vehicle for XXXX auto at XXXX XXXX XXXX NY. The complains is the vehicle was over priced, also documention is showing different salary income. I realized the payment of {$660.00}. Monthly for a 2013 XXXX not fully loaded. Is too high. After speaking to the dealer, I was told to bring back in 6 months they did nothing, I spoke to the Financers CCF they ask for my income verification, I fax twice to them which proved I am paying beyond the income guidelines. They too only have empty promises. Eventually they did nothing and this is wrecking my credit because I am not able to properly make payments. Need urgent help. I can be reached at XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Charged a {$12.00} processing fee for my Citibank basic checking account even though I had a combined {$1700.00} total between my checking and savings account ( the requirement is only {$1500.00} ). It turns out I was charged {$12.00} fee for a checking account I did not want, did not ask for and did not know I even had ( as it did not show up on my accounts screen for my online banking ). Luckily I was inquiring about how to transfer funds into my checking account when I inquired about the {$12.00} fee. ( Ironically, I was transferring funds from a XXXX XXXX account ).

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 monetary relief
Consumer complaint received 2015-05-29 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank cleared a trust check that I deposited at a Citibank ATM. The check was from a certain trust account and was made out to the trust and also my name. Around XXXX weeks later I received another trust check exactly like the XXXX XXXX and deposited it into my account thru the ATM. This time the check was returned. To cover the debit of this returned deposit and to insure none of my outstanding checks bounced I had to take a cash advance from my credit card. The fees and interest charges were huge. While Citibank acknowledged they made a mistake in accepting the very XXXX check ( which because they did I deposited the XXXX XXXX in exactly the same way ), they refused to reimburse the total fees and charges incurred instead somehow never explained to me they paid approx. XXXX of the fees. And this took over XXXX months to accomplish.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
I was a consignor of a loan with Santander for my boyfriend car. He did not pay the loan. I found out that he was lying on his name and he had an arrangement with the dealership. I had to file a police report and get the car back. I went to the dealership and asked them for help because 1/ the car was under my name, which i did not know since i was supposed to be a cosignor only and XXXX i couldn t afford it. The dealership told me that they handle this type of situation and came up with the contract saying that they will take over the loan and make payments to the car. Little did i know, they never made the payment and claim that i got the car back, which is not true. I have hired a lawyer on the case. And this is on my credit. I am currently trying to buy a house and I ca n't because of that. I Have submitted a complaint with the NY consumer affair, my lawyer sent letters to the dealership and they never responded. I have to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
The car company calls me six times a day after I 've made arrangements. They say that I have to post date a check for the calls to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
In XXXX I took out an auto loan with XXXX, which is now Santander bank. XX/XX/XXXX I filed for chapter XXXX bankruptcy and included the remaining car payments in my bankruptcy payment. My case was closed and a discharge was granted on XXXX/XXXX/XXXX. I have been calling Santander for about a month requesting the title to my loan. The latest excuse was that they do not have the title and they put in a request to XXXX to release the title. This confuses me since XXXX XXXX is now Santander. I am hoping that I can find some resolution to this since I would like to trade my car in within the next month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Santander Consumer USA Holdings Inc.
State: OK

Complaint narrative:
I disputed several inquiries both with the original company and the credit reporting agencies, none of the original companies responded to my letters. Two letters were sent 30 days apart and none responded. Credit Bureaus refusing to remove the listings. 
SANTANDER CONSUMER USA XX/XX/XXXX SANTANDER CONSUMER USA XX/XX/XXXX SANTANDER CONSUMER USA XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Santander Consumer USA Holdings Inc.
State: MI

Complaint narrative:
I never received as the summon declares the demand made for payment XXXX days prior to this summon. This is not the truth. I do n't know who XXXX never heard of them. I had an auto account with Santander Consumer USA. They claim I owe XXXX. I do n't owe this, amount this is not accurate. They are sending me to court and never contacted me before this time. Santander sold them this account. I do n't want to communicate with XXXX or their representation lawyers either. I want Santander to communicate with me about any debts that they feel I owe them. I sent a letter to XXXX and their lawyers to validate this debt they claim I owe. I do n't owe them anything. I never signed a contract with XXXX or their lawyers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-27 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: LDF Holdings, LLC
State: KY

Complaint narrative:
I have stop payment on Lend Green due to finding out they are not regulated in the state of Ky. I went into my bank, XXXX XXXX XXXX XXXX, on XXXX and put a stop payment on them but they went into my 2 weeks later under alternate originator number. I have sent an email to the company to stop all ACH and I filed a complaint with Ky XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-12 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 wrecked my XXXX XXXX in XXXX of XXXX and my insurance company total loss the car. My insurance company called Santander Consumer USA and worked out an agreement with them to do a settlement offer to payoff the balance and to release the title. Well Santander agreed to accept the settlement offer from the insurance company accepted the check from my insurance company and released the title to them. I received a letter from Santander on XXXX XXXX, XXXX stating that they are notifying me that Santander Consumer USA Inc. has provided the appropriate party with a release of interest document as required by the state, they also said they thank me for my business and they hope that I will consider using them again for any future financial needs. This letter basically stated that my account was paid off by the insurance company and they released the title to them. Well this letter was sent in XXXX, in XXXX I started getting collections calls at home, my cell. and at work. I have explain to them that I received the letter that the account was paid off by my insurance company and the car is not even in my ownership anymore, they released it to the insurance company. Santander is still calling and saying I still owe a balance of XXXX XXXX and some odd dollars. I need Santander to close out this account before any late fees are added and also update my credit report with all XXXX major credit bureaus, stating that the account has been paid and closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
When sending in payment, I completed the coupon at the bottom which states Payment Amount Additioanl Principal Amount ( you want to to pay towards your princpal ) _____ Total However, I have just discovered that any time I have paid an additional amount towards my Principal it has not been applied towards my principal I was informed you have you have to call for that but they have a section at the bottom of the coupon for that.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 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: AZ

Complaint narrative:
Bought car from car dealer in XXXX. Car was totalled in one month. Insurance paid everything. And car dealer also sent them money from my service contract XXXX. So they received over XXXX dollars they accepted money from insurance and told insurance agent car paid in. Full. Santander the car loan ppl has now so nth it to XXXX different collection agencies. XXXX and also XXXX in which XXXX wants XXXX. And do n't XXXX was XXXX. They keep renewing it every month. I DO HAVE ALL INSURANCE PAPERWORK WHERE ThEY PAID IN FULL ALONG WITH COPY OF SERVICE CONTRACT WHERE THEY GOT Money XXXX that was supposed to come to me. This car was paid offXXXX XXXX and they keep renewing it every month on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: NV

Complaint narrative:
My ex-husband and I bought a vehicle XXXX XXXX from XXXX. Somewhere along the way it was transferred to Santander Consumer USA. He and I got a divorce XX/XX/XXXX and he was awarded the car and the debt. The last payment he made on the vehicle was XXXX/XXXX/XXXX. Santander at that time started harassing me about the debt and even though I told them I was no longer responsible for it and even showed them proof they still would not leave me alone. They were even calling me at work and threatening me with jail and calling acting like they were process servers. They could not get ahold of him so they just kept harassing me. They finally stopped contacting me, but then they started reporting it to the credit reporting agencies that they had repossessed the vehicle. First off, neither of us had ever received a repossession notice and Santander can not produce a notice that proves they ever sent us one. The vehicle just disappeared from the house one morning. Secondly, I have tried to contact them multiple times by certified mail and e-mail to try and come to some sort of arrangement in order to settle the matter so that I can get it removed from my credit report. I have offered to even pay part of it. They do not respond back to me. Instead, they constantly change the data on my credit report so that it stays refreshed and on my credit report. I have been battling this for 5 years now and do not know what else to do. I just want this taken off of my credit report. They are shady and underhanded and I do not think it is right that they lie and threaten you and then ruin your credit for something that is not your responsibility and then refuse to respond to you when you try to get it resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07 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:
We purchased a car that was financed through Santander USA in XXXX. After having years of financial issues, we filed a chapter XXXX bankruptcy in XXXX XXXX. In the filing we included XXXX cars that were financed by Santander USA and our payments made to the courts were solely for the XXXX cars. In XXXX XXXX, we requested that our bankruptcy be cancelled. Prior to the cancellation, we contacted Santander USA stating that we wanted to keep our cars. We dropped the bankruptcy only to find our payments that were made only covered a percentage of the monthly payments and we were now far behind. Santander USA proceeded to call our neighbors, who were not listed on any documents as contacts. We requested deferments, starting making payments only to notice the payments and then requested a resolution to why Santander was calling random people and telling them they were trying to reach us. This was highly embarrassing and consulted legal advice. We never heard back from anyone in management and continued to try payments to catch up. In my research of our account, I noticed that all of the payments to the XXXX XXXX were going towards interest. I called Santander USA in XXXX XXXX and asked them how we could rectify this and I asked that someone in management called me back. Santander USA continued to call us repeatedly around XXXX-XXXX times per day, called family members but never had anyone from management call us to discuss how we could rectify our concerns. I made the last payment in XXXX and waited for someone to call us back. While they continued to call repeatedly, not XXXX call was from a manager. We received several calls for another loan holder. On XXXX XXXX, I received a call from Santander USA and again, tried to rectify the situation. They told us we need to pay over {$2000.00} to get caught up and then we would be on track. I explained that the car was worth {$1000.00}, we have paid over {$2000.00} in recent repairs and that we did not have the money to pay to catch up. The person said they would inform the recovery team to pick up the vehicle. We surrender the vehicle on XXXX XXXX XXXX to " XXXX ''. 

We need to know why Santander USA delved through our social media accounts to contact a neighbor and proceed to tell them of our situation with the car. Why they called us repeatedly but never called to explain the insulting call or the repeated calls to our phones when we were making payments. And, we need to know why no one explained that our payments after our bankruptcy would go directly to interest for almost a year due to the bankruptcy filing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-11 00:00:00
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc.
State: AL

Complaint narrative:
XXXX XXXX, my XXXX XXXX XXXX was totaled. XXXX paid Santander over {$14.00}, XXXX for the car. Well, I assumed the care was paid off and I owed nothing. Back in XXXX XXXX, I started to receive noticies from XXXX XXXX. I really thought it was a scam, until I finaly contacted Santander. I contacted XXXX XXXX, and proceeded to make monthly payments, which began in XXXX XXXX. XXXX XXXX, after being paid each month, was still reporting my account as not being paid and reported at first as a new account and then change to collection account with the original creditor being Santander for little of {$6000.00}. But, it strange that the balance was going down on the account. I have statements and emails stating that the account was being paid, but still stating that it was closed and never paid. I recently contacted XXXX XXXX, after they sent the payment for XXXX XXXX back to the bank, they state that the account been closed since XXXX XXXX for non payment. Now I am getting these harassing calls stating that my payment was returned and I need to contact them. But now it is showing on my credit report that Santander is now reporting the same account as a new account for collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
In XXXX this account was sold to Santander Consumer USA , Inc. from XXXX XXXX ( original lender was XXXX from XXXX/XXXX/XXXX ). However, Santander is reporting that I took out a loan on XXXX/XXXX/XXXX which is incorrect ( see attached ). 

This account shows no payment history prior to XXXX because Santander did not have the account. Even though I made payments with both XXXX XXXX Bank and XXXX XXXX and did not begin to fall behind until the account was sold to Santander in XXXX, there is no payment history reflected on my Equifax. I have proof of payments but it will take a few days to get copies of checks from my bank. 

In XXXX of XXXX, this account was reported as current yet I voluntarily turned in the vehicle in XXXX of XXXX. 

Account shows a 7 year loan which is incorrect. According to the original contract, the loan was financed for 72 months ( see attached ). I have never taken out a car loan for 7 years and am unaware of lenders who finance vehicles past 5 years/72 months. Due to predatory tactics such as padding the balance, I would still be paying on the vehicle if I had not turned it in to Santander in XXXX. That equates to a 9 year auto loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Cornerstone Mediation LLC
State: TX

Complaint narrative:
Company claims to have a courier company to send me legal documents and are trying to serve me with papers. They are stating that I owe them XXXX. A man named XXXX XXXX is calling me stating that I have to appear in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13 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:
I started having my wages garnished by a law firm for a 5 year old auto loan. The court order for wage garnishments was obtained by the law firm in a county I have NEVER lived in. 

I was never served any notice. I was never given a chance to represent myself in court. Now my paycheck is being garnished ... I have new bills to pay ... I 'm trying to just survive .... When I heavily rely on others now to just even live ... I 'm just trying to move on from what happened years ago and this company just started stealing my paycheck. I feel like I 'm never going to recover ... 

I never had a chance to appear in court ... I was blindsided since I was n't served any notice. And I feel like I 'm going to just keep drowning in debt because what happened five years ago continues to ruin my life. They refuse to provide me any of the payment history or account notes. I have no proof of where they are getting the figure for me on ... How can they obtain a judgement for me when I do n't even know how it 's so high? Is it even legal to collect on debts this old? Or am I going to keep being harassed and punished for losing my job after my ex wife took my kids because she had an affair many years ago .... This company already repossessed the car 5 years ago ... Why are they coming back for more money again ... Was n't that enough?

Company response to consumer: Closed with explanation