vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-12 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 took a car loan through Santander Consumer USA and it has been downhill from that day. My vehicle has been repossessed TWICE. The second time was all because of a {$1.00} short pay, which was the customer service agents fault. I called in to make a payment and they gave me the incorrect amount, I paid and a few days later I went to leave for work and my car was not in my driveway. I have been charged OUTRAGEOUS fees ... I 'm talking thousands of dollars. Now, after making XXXX payments of {$360.00}, my loan balance has n't budged! It is still the same from the day I got the vehicle. I have paid over {$4000.00} and according to Santander, it 's all going towards interest and that I still have an interest balance of over {$1000.00}. How is this even legal?? Not to mention they call 1-2 times DAILY, when you 're past due ... which is incredibly excessive. When I have called to complain about my payments not going to my balance I get the same robotic response telling me this interest is accruing DAILY and that is why it is so large. So basically, Santander feeds on those with low credit scores and then robs them blind. This car can never be paid off, EVER, because Santander keeps it 's customers from paying off their loans. They are doing this so they can continue to make money off interest and they are so quick to repossess and I believe they do this to make even more money. Please help us unfortunate enough to get stuck under Santander!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: GVA Holdings, LLC
State: WA

Complaint narrative:
I was contacted by XXXX XXXX XXXX ( sp? ) on XXXX/XXXX/XXXX, regarding an online payday loan that they say i owe for, through a company called River Bend Cash. 

River Bend Cash has been trying to collect on a payday loan I did not authorize from XXXX or XXXX. 

I had a rash of online payday loans, XXXX total, that were laudered through my previous bank account. After my bank did their own investigation, they determined that there were XXXX loans deposited into my account over the span of 6 days, only to be withdrawn within 30 to 45 minutes of each deposit clearing. My bank was unable to determine how the deposits were withdrawn as there was no further electronic information. 

Due to my bank not being able to track where the deposits were moved to, my local authorities told me I did n't have sufficient information to file a police report for fraud and they recommended I shut down the account and move to another bank to avoid any further financial difficulties. 

XXXX XXXX XXXX is apparently the collection agency for this debt and have informed me that I am to be served with paperwork at my residence or work place. I have yet to see anyone show up at either location to serve me with anythng.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-18 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: AL

Complaint narrative:
Can someone please explain to me why a Notification of Sale, from XXXX XXXX, in regards to XXXX vs. XXXX XXXX, at al., was included in a response to Case XXXX, page number XXXX, in upload ; XXXX. How exactly does this relate, to my complaint? Whom added it to my file? Why was it added? When was it added? Where was it added? What is location of employee, or representative, and identity of Caliber Rep, whom uploaded this to CFPB, please explain, in detail. 

Did any representatives of your company/ and or investors related, place a bid by email or fax, on my home, previous to foreclosure sale scheduled for XXXX/XXXX/16? Did any representatives of your company/ or investors plan on placing a bid, by email or fax? Did your company/ and or investors related, inform XXXX and XXXX , of any such planned bids if so, what was amount? Please explain how, and why this is/ was done. 

Has your company, or any of its affiliates, ever placed bids on foreclosed homes by email, or fax, in XXXX County? 

Does Caliber, or any its representatives, bid on homes in which they have foreclosed on, by email, or fax? Does Caliber, or any of it representatives, bid on home 's foreclosed by fax, or email, in which other other lenders have foreclosed on? It is clear that XXXX, KY, solicits, and allows such bids. Please list other, municipalities that your company or representatives, have bid by fax, or email.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Grant & Weber
State: TX

Complaint narrative:
I was in a XXXX in XXXX 2013, owned by XXXX XXXX, they own most of them. During that stay, I was cursed at by the Psychiatrist, called a XXXX XXXX, who the XXXX do you think you XXXX are etc. told by the therapist I had to work on childhood issues, not the XXXX from the XXXX I had in XXXX 2013 that year. I, timely, refuted the co-insurance with XXXX, I timely disputed my treatment with UHS on site, I timely complained to the TX Insurance Fraud Board, the Medical Malpractice Board, etc. The coinsurance which is over the normal price for that particular time, remains a " closed '' account on my Credit Report. I have letters stating that XXXX was looking in to the problem and finally after two years of complaining got word back they would not remove the debt of some {$1400.00} because my XXXX XXXX stated it was owed. XXXX would not hear me, the doctors and therapists are still working there. No one cares and my credit report shows a despicable HIPAA violatoin by stating the XXXX XXXX name. The account is closed and it should be off my credit report. I have tried working with XXXX XXXX and they still refuse to, XXXX and XXXX to remove the damaging items. And XXXX still treats people like XXXX, who have XXXX problems.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NC

Complaint narrative:
On XX/XX/2016, HSBC Mortgage ( or their subsidiary, XXXX ) issued a check to their third party vendor, XXXX XXXX XXXX for the payment ( {$1500.00} ) of my property taxes. Eleven days later ( XX/XX/2016 ), I sold the property, and was required to pay the property taxes ( pro-rated ). The funds from this transaction ( the amount I paid at closing ) posted XX/XX/XXXX, and I began contacting HSBC shortly thereafter to begin requesting my refund. The XXXX County Tax Department confirmed they never received a payment from XXXX or HSBC. 
Despite weekly calls, escalation to supervisors, and countless promises to " expedite '' the handling of my request, I have yet to receive any funds. What 's worse, because of the heavily automated processing of refunds used by HSBC, although they can confirm they received a refund from XXXX on XX/XX/XXXX, they can not tell me ( a ) where the funds are now, ( b ) when I should expect to see them, or ( c ) the name of a human who can issue a check. 
My belief is my rights are being violated in much the same way as those who lost their homes during the Great Recession due to banks heavily automated processing of transactions, in that case, foreclosures. This is a substantial amount of money which is essentially being " held hostage '', with no release in sight. Being without this money owed to me has caused me to ( a ) miss out on investment opportunities, ( b ) spend countless hours on the phone with individuals from HSBC who claim to be " powerless '' to do anything. It is my contention that no refund process should take this long, and XXXX ( for having unreasonably long processing times to issue payments/refunds ) and HSBC are profiting from having my funds at their disposal. 

*Disclaimer : The servicing of my account was transferred to XXXX on XX/XX/2016. However, the aggrevating factor and salient point here is HSBC has failed to issue a refund to either me, or to XXXX as of this writing, so I do not feel XXXX is culpable int this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Lazega & Johanson LLC
State: GA

Complaint narrative:
In XXXX, I agreed to a Settlement Agreement with XXXX for the repayment of my daughters student loan debt. Our agreement was for {$500.00} a month until the debt is paid off. In XXXX that debt was sold/transferred to Lazega & Johansen in which I sent my payments of {$500.00} a month. On XXXX I received a letter from XXXX- XXXX stating that they were taking over the collection of XXXX of the loans and I should remit payment to them. My problem is the settlement I negotiated was made for all loans including this XXXX for a total payment amount of {$500.00} per month. How does this affect my payment situation? If they are also collecting how much goes to them and how much goes to Lazega & Johansen? This is confusing and seems in violation of the settlement agreement if I am asking to pay more than the negotiated amount and on top of that there is no sure way I can keep tabs of the balance with different entities being involved. If they ( Lazega & Johansen ) sells the other XXXX loans that 's XXXX different debtors I am being asked to pay. I was doing the right thing by negotiating and settling this debt but this new transfer is causing me much concern. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
In XXXX and XXXX I requested a copy of my credit files from each of the bureaus so that I could check my credit after an issue was brought to light by the IRS concerning a judgment which is a result of Identity theft. On checking my reports I noticed that there is account opened with HSBC Bank for over 7 years that is not known to me which is in default and is the reason why my credit is reporting so badly. I need to validate this account. Please ask the company to forward via CFPB all verification documents used to open this account ; signed contractual agreement ; and Identification used to authenticate the account opener.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Green Square Company LLC.
State: CA

Complaint narrative:
An agency named XXXX attempted to contact me but called my husband. This has happened before and they contacted my sister in law in a different state. The phone # is XXXX. Tis XXXX time I did not let them go on as per information on line and my attorney this is a scam. The XXXX woman when I just called back was named XXXX XXXX. They claimed I have an unpaid Payday Loan which I never had. Today they wanted me to pay them to clear up information about a payday loan. The first time they threatened me with legal action ( the Sheriff Dept. and court would charge me ) if I did not pay them now. They were threatening and very unprofessional and made no sense so I have always hung up. The scary part is they have my SS # and banking information. This, to me, is a clear case of identity theft. How should I proceed? 
XXXX

Company response to consumer: Closed
Consumer complaint received 2015-05-27 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: Flagstar Bank, National Association
State: OH

Complaint narrative:
Received letter dated XXXX/XXXX/XXXX stating that my 15 yr HELOC loan I will have to be paid off on or before and will not be renewed in XXXX. I was lead to believe at time of signing that they could renew loan after initial 15 yrs. This was also reiterated by XXXX XXXX XXXX XXXX, Senior VP XXXX XXXX XXXX New York Community Bank, a couple of yrs ago. I emailed and called her when I received inclosed letter and she said I should start looking for another solution now. Never offered any other loan or help from NYCB. They bought out and closed down my bank branch in XXXX but serviced the loans. Please see section XXXX of agreement I signed in XXXX. I believe servicing the loan also means according to agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16 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 cosigned a car for my sister. She and her husband voluntarily gave the car back to the bank. The bank than put a repo on both of our credit. The problem i have with that is there was no communication between us in the bank after the repo. I looked up the state laws in North carolina which states that during the repo procress the bank is suppose to communicate with us where the car was being auction at. The location of the auction has to be beneficial to both parties. before the car is auction they have to give us a 30 day noice. Also north carolina state laws says that after the auction take place they have 15 days to notify us how much the car sold for incase we have to pay the difference in lost or if they need to reimburse us. That was not done as well. I tried to talk to them and they said that if i sent a dispute letter to them they would not read it. I tried disputing it through XXXX credit companies nd they are not helping just keep saying that they looked into it and it been verified. They never say what was verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Green Square Company LLC.
State: PA

Complaint narrative:
Voicemails on my cell phone stating that there have been serious allegations against my personal information.  That myself or my attorney need to contact them and make a statement today.

Company response to consumer: Closed
Consumer complaint received 2015-09-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: SUN LOAN COMPANY INC.
State: MO

Complaint narrative:
Sun loans company keeps calling my place of employment, when i cant except calls there.calling my friends and family also.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I submitted documentation from Santander agency verifying I had paid off an auto loan in 2012 trading in auto and paying balance of loan of loan more than {$9000.00} ; to date this is reported to XXXX as a {$17000.00} charge off significantly affecting my credit. Twice I have submitted documents supporting the auto loan paid in full and it was to be corrected by XXXX XXXX ; this was not done.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: MN

Complaint narrative:
In XXXX of this year I filed a CFPB case # XXXX. I had an issue where Chrysler Capitol billed me {$460.00} for state registration that they did pay on my behalf. They did so without calling or sending me an email. What they did n't know is that, since my tabs expired, I purchased the tabs on my own on XXXX XXXX. I contacted them and was n't able to get this issue resolved so I filed the complaint. Chrysler Capital did send me a letter in response to my CFPB complaint. They asked for me to send proof of this payment. I complied with Chrysler Capital 's request to send proof that my Minnesota vehicle registration was paid and I asked for them to send me a letter confirming this issue was resolved. I never received a letter or a call as such. I still receive a monthly invoice from them indicating I owe an additional {$460.00} for registration for 2015. I called them today and the customer service representative saw my compliant but was n't able to tell me if the issues is resolved and why it was showing on my monthly invoice still. I feel I ca n't get a resolution from Chrysler Capital and I 'm concerned that this charge may affect my credit or they may attempt to collect via collection agency. I want a letter confirming this issue is resolved and the charge removed from my invoice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Grant & Weber
State: CA

Complaint narrative:
After receiving a debt collection notice on a bill from XXXX XXXX, I called the collection company to dispute this as I did not receive the bill. I was told by the collection agency that I should contact my insurance company for any back up regarding this bill. I called XXXX XXXX after getting the number online, and spoke to a XXXX, who could not provide me a copy of the bill and sadly told me to contact the collection agency with whom would not provide me any paper work other than what is on the collection notice. 

Since this occurred yesterday, I have had to block harassing calls. 

Please help, my health can not continue to deal with this in such a terrible manner.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
My husband leased a jeep from Chrysler Capital for three years, last payment is in XXXX, 2017.In all this time our payments have been made on time. Recently, my husband past away. He was the only driver of the car. I called Chrysler, told them of my circumstances and that I wanted to pay the remainder of the lease, and hand in the car. They told me that I could pay off the lease, but I could not hand the car in without extra charges. The car is in excellent shape with XXXX miles on it. So, this did not make sense to me. 
They told me to send in my husband 's death certificate and maybe they could wave the charges. Ofcourse, I never heard from them. Calling back a third time and yet again, getting a different answer, I was told that they had death certificate but were doing nothing to help me. Frankly, I was beginning to feel as if they thought I am old and stupid. But, the worst thing of all, was on Monday XXXX, 2017, at XXXX, there was a pounding on my door and the man said that he was there to repossess the jeep. The only thing he would tell me was that it was Chrysler Capital 's orders. I then saw that there was a man at my back door, and I was so frightened that I called the police. The officer told me there was a report that they were picking up the car, so I had to let them take it. I was so upset that I stayed up all night until I could call Chrysler in the morning. They made a big mistake but they would return the car, would I like to pick it up, and they were not going to charge me for the towing!!! Can you believe it????? I truly feel like they are trying to take advantage of me. 
Even the dealer involved in the lease ca n't believe it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: DE

Complaint narrative:
Hello, I am trying to report a violation of the fair credit reporting act perpetrated by Santander consumer usa. They have received a payment as of XXXX/XXXX/15 yet are continuing to report my account as delinquent. I spoke to a customer service manger XXXX XXXX whose explanation was that because this was an insurance payment it goes towards paying my balance and is n't considered a monthly payment but all my payments since XXXX have been insurance payments and my account has not been reported delinquent because it is n't delinquent. They have received payments well over the amount due. This is a direct violation of the fair credit reporting act. They have received payment yet are reporting my account as delinquent.

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

Complaint narrative:
In XXXX, my husband and I purchased a XXXX Nissan Pathfinder ( VIN XXXX ). We stratified the loan. We received the title but we never paid attention that on the title it said it had XXXX lien holder. We are now trying to sell the vehicle. The loan company was Triad Financial Corporation. It no longer exist. Please investigate this matter so we can receive a clean title so we can sell the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
In XXXX 2008 I purchased a car that was finance with Santander Consumer I was making monthly payments until my bank account was compromised and I fell behind in my payments. I notify Santander, it took the bank some time to replace my funds in my account. Santander stated they was going to place me in collections, when the bank did replace my funds, again I notify Santander and informed them I was ready to pay all payment in the rear. Santander stated if I pay the total balance they would not put any derogatory information on my credit report. I kept my promise and paid them of, f but Santander did not keep their promise. 
In XXXX of this year I found out they did report my account as a charge off. When I called them and reminded them of their promise they change their report to paid after charge offI would like for Santander to keep their promise and remove all derogatory information on my credit report. They have their money

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: CO

Complaint narrative:
I have twice requested the number of days in each billing cycle since XXXX ( the begining of my loan ) until now XXXX please send hard copy and copy to this site.. 
I have made XXXX payment ...

Company response to consumer: Closed with explanation