vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I have a problem with Santander bank on our credit reporting. We had an automobile with XXXX then Santander bought the Contract. We had problems with this bank and we complained about them. 
Now we are having a problem again. We had paid car payments for this vehicle. The bank had the payments, and a repossession order had been issued. We were not informed of a pending repossion if so, Santander would have known the payments were in their XXXX. 
When on or about XX/XX/XXXX the car was taken. We informed Santander the payments they had them. The car was then returned 20-30 minutes the same morning. 
Santander Bank said that it was their mistake the repossion fees would be waived and the repossion would not appear on our credit report. This was in XX/XX/XXXX. 
We have found out it 's on our credit report and will remain there until XX/XX/XXXX. I have been in contact with Santander Bank today XX/XX/XXXX. I was informed there was absolutely nothing they could do. We were given the runaround when we began to investigate them we were given 3-4 different number to call each one was the wrong number. 
We feel this mistake of credit reporting is unfair. We paid for this car and can not get another car loan because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Metro Republic Commercial Service, Inc.
State: CA

Complaint narrative:
I 'm writing in regards to an amount of {$62.00} under METRO REP COMM SVC INC # XXXX that still continues to show on my XXXX credit reporting agencies reports as unpaid, despite it being satisfied. I would like COMM SVC INC to contact XXXX other reporting agencies noting that this amount ( {$62.00} ) has indeed been satisfied and to remove from my XXXX other credit reporting agencies. Would like a letter of satisfaction mailed to me as well. 

COMPANY : METRO REP COMM XXXX account # XXXX XXXX Address XXXXPhone : ( 951 ) 273-7700

Company response to consumer: Closed
Consumer complaint received 2017-02-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
My complaint is with Santander Consumer USA, which I have an auto loan. I do not think that it is fair that customers have to pay ( apprx. {$10.00} ) for on time payments which can be made online or on the telephone. The only way a customer could possible avoid making a payment to make a payment is by setting up an XXXX ( XXXX ) payment arrangement or mailing in your payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
I acquired this loan on XXXX XXXX XXXX XX/XX/XXXX. I am so sorry that I ever agreed to let this company finance my loan. It has been nothing but XXXX and heartache. I have had this loan now for five years of XX/XX/XXXX. 
Over the length of this loan I have made late payments. The reason for this was either being laid off, lost a job and unable to find a new job. I am not currently on XXXX and making much less then I was making. 
Since the loan began I have made 45 payments. In those 45 payment I have made payments in the amount of {$18000.00}. From those monies the company has applied {$14000.00} to interest, {$3000.00} to the principal and {$1300.00} to late fees. So how is it over a five year period they have only applied a little of XXXX dollars to the principal. This clearly is a rip off. 
I received my current statement in the mail yesterday and they are telling me the amount due is {$1800.00}. They have to be at of their XXXX minds. I was behind and received a letter stating that they wanted {$1000.00} to make the loan current and I made that payment on XX/XX/XXXX. Then in XX/XX/XXXX made a payment of {$400.00} They are clearly taking advantage of their customers. On this statement they are saying there is past due amount of {$400.00}, accrued interest in the amount of {$210.00} and Unpaid late fees in the amount of {$1000.00}. 
This is absolutely crazy that these creditor are allowed to take advantage of hard working individuals. So my loan it do to mature on XX/XX/XXXX. How in the world will that ever happen at the rate they are XXXX me?????????

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-25 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
We have asked Chrysler Capital, the holder of our automobile loan and lien to provide the following to us 3 times now and they have refused : A detailed accounting of our auto loan including : Amounts Paid Dates Paid Means by which the payment was tendered/made Total payoff amount

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-16 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Synovus Bank
State: TX

Complaint narrative:
I had a credit card stolen and used to make a purchase at XXXX XXXX XXXX and several other locations. I immediately contacted my credit card company and reported it stolen - they cancelled the account and opened a new one, however, XXXX of the charges made by the person who stole my card was this XXXX XXXX XXXX charge. Apparently, XXXX disputed it and they allowed it to be re-billed to MY NEW ACCOUNT. 

They sent a letter asking me to sign and return via fax the them and I did, within the 10 day period - that charge is still being charged on my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-30 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Synovus Bank
State: IL

Complaint narrative:
Hi I been living out of the country from XX/XX/XXXX-XX/XX/XXXX I have a sever case of Identity theft. I see this company has listed info on my credit file. I do not owe or did I authorize for anything to be put or open on my credit. This is Identity and finical theft. please remove from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
The company SANTANDER CONSUMER USA is reporting that I have missed a payment. I have never missed a payment. The vehicle was traded in. Santander received and posted the payment late.. Under the FCRA, they are required to conduct an investigation on this account if I request it. I submitted in writting requesting for them to conduct an investigation. Per the FCRA, they had 30 days to conduct this investigation and respond to my request. Santander did not respond within this time periord, per the FCRA, you must remove this negative information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southern Credit Adjusters, Inc.
State: NC

Complaint narrative:
I found this on my credit report with XXXX. XXXX says they verified it. I know for a fact this is wrong and have requested proof but have not received any proof.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Loan Science, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX the original creditor of my student loan from XX/XX/XXXX at XXXX XXXX XXXX in which I have been having issues settling this debt or effectively communicating with anyone that holds this debt. XXXX XXXX XXXX went bankrupt after settling with the attorney generals office in XX/XX/XXXX for XXXX in which my loan was a part of the time period the company was offering kickback to certain universities to steer students to receive this loan. None the less this loan was services by XXXX which probably closed down as well then serviced by Loan Science. Neither companies were satisfied with any solution to rectify the amount even when I was not working and still attending school they still wanted full payment. Loan Science sent me to collection in XXXX with offering very little solutions and with constant communication while I was still attending graduate school. XXXX XXXX was the collection company that held the loan they offered XXXX options to pay off the loan which I could not afford, I brought up additional disputes and that only stopped them from calling but they did not work out any other solution with me. I recently finished XXXX school only two weeks ago and notices coincidentally the calls and letters have started coming again this time from XXXX collection agencies XXXX XXXX XXXX and XXXX XXXX XXXX XXXX which requesting payment to each company on the same debt. Now I do not know which company to work with and I will be contacting Loan Science again to request the original paper work of the original loan and I will also request the same paper work from the debt collectors. I would like a reasonable solution to rectify this loan or find out if my loan may be able to dismissed due to the settlement if not I want a solution that is affordable to my budget. None of these companies in the past have offered any affordable solutions or even had an interest to look into my personal financial situation to come up with a reasonable solution. I recently cleared up my credit and my other federal student loans are in good standing. I do not want this matter to drastically effect my financial future.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Atlantic Credit & Finance, Inc.
State: TX

Complaint narrative:
Atlantic Credit and Finance called me today for a debt that belonged to my husband He said that account was due to go theie attorney. I advised him that he would need to speak with my husband and he insisted on continuing the discussion. I told him again to contact my husband and that I was at work. I also told him that this was not an opportune time to discuss and he still insisted on continuing the discussing. He told me it was best to talk to him before he 'd have to take legal action.

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 2015-09-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Kelsting Group, Inc.
State: CA

Complaint narrative:
In XXXX of 2011, my daughter was in a car accident. The car which was registered in my name was towed to a local yard at the request of the police. I went to the yard ( XXXX XXXX ) and signed the ownership of the vehicle so they could sell the car. I was told that that would satisfy the cost of towing and storing the Car. 

I recently realized that after selling the car, XXXX XXXX also submitted a Claim to Credit Bureau Associated for Collection. The Claim is for {$2600.00}. I contacted CBA collection who stated that CBA only sold the car for {$70.00} and they want the difference. I told CBA that is ridiculous, that the hubcaps were worth {$70.00}. CBA stated that XXXX sells all of their vehicles for {$70.00}. 

So then it is clear. This is a scam. I sign over the car and they sale it claiming they only received a nominal amount for the car ( {$70.00} ). They keep the cash tax-free, then sale the account to a Collections to get more money. I told CBA that I want a copy of my file including a bill of sale showing who they sold the car, what date, what amount as well as all other documentation. 

They have not sent me this information. 

I contacted XXXX XXXX to remove this fraudulent collection and they refused. Please help with this matter. 

Credit Bureau AssociatesXXXX, CA XXXX TowingXXXX, XXXX, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-05 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
Account Receivable Solutions is reporting under XXXX credit bureaus an account they have not verified

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
Recently I learned of a problem with our XXXX 2015 car payment. The loan is serviced through M & T bank out of XXXX NY. The problem they say is that I did not make it. Normally I make the payment in my local branch and call it in. For XX/XX/XXXX I went in and took care of the payment at my local branch office Normally I go to the branch and have them take the payment from my checking. In XX/XX/XXXX I made my payment over the phone still unaware that there was a problem with XXXX 2015 payment with a live person. Shortly after making my XXXX payment my spouse told me she received a message from the bank about this loan. Knowing I was current I did not call them back until XXXX/XXXX/15. Per this call I was advised there was nothing wrong and even talked about a pay off amount because the vehicle is all most played off. Going forward thinking everything was fine on XXXX/XXXX/15 we received a letter dated XXXX/XXXX/15 stating a problem with our payment and account. I called the bank quickly and learned they did not have XXXX 2015 payment. Shocked as I was I advised that I would check my checking account statement and ended call. After review of my XXXX 2015 statement it was clear the payment was not taken from the checking account. I returned a call back to the bank on XXXX/XXXX/15 and learned they have applied my XX/XX/XXXX payment to XX/XX/XXXX and have applied XXXX late fee 's for {$56.00} dollars. I explained that the account has never been late and I was not sure what happened with the XX/XX/XXXX payment. I also agreed to get it made up. I requested them to remove both late fee 's due to them not telling me when making my XXXX 2015 payment over the phone there customer service rep failed to explain my XX/XX/XXXX payment was getting applied to XXXX 2015 payment. I explained this was wrong for them to do without telling me and also advised on XXXX/XXXX/15 was told everything was fine. They admit no wrong and could see it noted on the account I called on XXXX/XXXX/15. M & T refused to remove both fee 's. I feel I have been treated unfair and unjust. The bank mistreated me because they did not inform me of the problem when making my XXXX 2015 payment I incurred a XXXX late fee 's. The Supervisor that I spoke with on XXXX/XXXX/15 admits they are not responsible for miss-informing me on XXXX/XXXX/15 everything was fine. I have the name and employee ID of the Supervisor that refused to remove both late fee 's

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Receivables Management Partners, LLC
State: FL

Complaint narrative:
Was discharged through my bankruptcy, though coerced, by collection agency, for less than {$300.00}, after bankruptcy! Collection agency complained of the small, regular payments I was making, wanted more, or paid in full, till I realized wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Credit Bureau Services, LLC
State: GA

Complaint narrative:
I have disputed accounts # XXXX, XXXX with Credit Bureau Services on XXXX/XXXX/2016 and sent my dispute certified mail requesting validation of this debt. Credit Bureau Services failed to provide me with a copy of any viable evidence, bearing my signature. A second certified letter was sent XXXX/XXXX/2016 and I have not heard back from Credit Bureau Services, They are now out of compliance with the FRCA. I 'm sure we would both like to handle this outside of court, so all I ask is that you remove this listing from all the credit bureaus. If you refuse, I will take legal action.

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 2017-03-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
In XXXX of 2016 my vehicle was total lost in a not a fault accident. Shortly thereafter my primary insurance carrier settled the claim. I made the last up to date payment on or about XX/XX/2016. On XX/XX/2016 I made a new car purchase from the same dealership that I have been dealing with for the past 7 years starting at a zero balance. I had additional Gap insurance to cover residual debt in the event of a total lost situation. to my surprise I discovered that the unregulated out of state insurance company out of Florida breached the standing contract with me! this caused the lender to charge off the debt to my credit report which I disputed, and I provided all the necessary documentation to this affect. The lender write off the debt, but reported that I was suppose to continue to make the monthly payment to them on the loan. All XXXX bureaus were contact both before the charge off, and after the charge off in writing in a escalated dispute. however XXXX XXXX has refused to adhere by removing inaccurate information regarding my dispute with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I purchased a Ford XXXX Ranger in XXXX XXXX, for {$19000.00}, excluding sales tax. It was financed through M & T bank for 72 months, at 5.54 %. The payout is approximately {$22000.00}. Owing to medical issues ( XXXX XXXX XXXX XXXX ), I now have some difficulty driving a pickup, and my wife of 30 years passed XX/XX/XXXX. I subsequently returned the vehicle to the original dealer for resale ; however, the best offer they can garner is {$15000.00}, leaving about a {$7000.00} difference. I can make up some of this difference, but not the whole amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Direct Capital
State: WI

Complaint narrative:
I took out a payday loan that was eventually included in my bankruptcy back in 2011. Since then, every 6 months I get a batch of phone calls from a new company who purchased this bad debt and sold it to another that does the same and so on. This latest company, Direct Capital/XXXX, has had it for some time and is relentless in their phone calls. Even worse, they are calling my parents who tell them I do n't live there but it does n't deter them from calling. I have actually spoke with various representatives and explained my situation, gave case numbers, etc. and many have 'found ' my bankruptcy and assured the calls would stop within days. They do n't. I contacted my bankruptcy lawyer who says to use the words 'harassment ' when dealing with them, as this is what it is at this point, but yet the calls continue. My parents are looking to me for a solution, for which I have none. Worse yet, the number they leave, XXXX says they are unable to answer at this time ... and never are.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
Someone impersonating our grandson called us on vacation from XXXX XXXX, XXXX XXXX needing money to stay out of jail. He crashed a rental car and hit someone and there was alcohol involved. He was hurt and then handed the phone over to the police official, XXXX XXXX, and he indicated that we would need to wire {$1900.00} in order to pay for damages. He would then be put on a plane and sent home. We later found out that our grandson was home all along.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I submitted a dispute on the credit bureaus on an account report it by XXXX Acc # XXXX. 
Address : XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX The dispute was because I defaulted on this account back on XXXX XXXX and went to charge off on XX/XX/XXXX, they still reporting this account as my last payment was on XX/XX/XXXX which is false information. Also this account its been on my credit report for 9 years already, should be remove after 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION
State: CO

Complaint narrative:
M & T Bank, which acquired my mortgage from XXXX XXXX XXXX, will not decrease my monthly mortgage payments despite my on-time, correct-amount payments. I called the company to complain and its representatives could not coherently explain to me why my mortgage payments do not drop every month as payments did when mortgage holder was XXXX. Property in question is condo at XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX. My name is XXXX XXXX.

Company response to consumer: Closed with explanation