vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-02 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I have been charged interest on purchases during an XXXX month interest free period. I have spent countless hours trying to resolve this issue with American Express, but they are giving me the run around and not reversing all the charges. At this point, XXXX months of interest charges have been reversed, but XXXX months still remain. On my statements APR is still listed at 14.99 % with a purchase balance that they are charging interest on. This should be 0 % APR until XXXX 2016, which is also clearly listed on each statement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-16 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Status : Collection account. {$670.00} past due as of XX/XX/XXXX 
Status Details : This account is scheduled to continue on record until XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
A XXXX Debt Collection Agency called me in the early morning at XXXX XXXX on Tuesday XXXX XXXX. Their number is XXXX. They have called me hundreds of times before in the last 3 years. They always tell me they will take me off the list but never do. They always call me from different phone numbers because i have to keep blocking them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-02 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
i have been getting calls from Midland Credit Management. i have blocked many many numbers from them. They keep calling from different numbers and leave no messages. they call almost every day. it is really starting to become bothersome. this has been going on for way too long.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-13 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
There are XXXX items listed on my credit file which the date of last activity was back in 2007, is n't there a law they are only allowed to report for seven years this company is not following the law. I disputed several times with the credit agencies and the items are still listed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I leased a vehicle with Chrysler Capital ( a XXXX XXXX XXXX ) on XXXX/XXXX/XXXX and returned it on XXXX/XXXX/XXXX to buy a new car. All monthly payments have been made on time during the duration of the Lease and the remaining balance was paid in full by XXXX/XXXX/XXXX. However, Chrysler Capital kept my account open and reported it to the credit bureau agencies as delinquent on XXXX. This has negatively impacted my credit score and ability to acquire new loans. 

After repeatedly trying to contact Chrysler Capital, I was finally told that the account will remain open until the vehicle is sold and therefore they will continue to report my status as delinquent until the selling takes place. When asked as to why would they do this to their clients if they have been compliant with their financial responsibilities, I was told that they acknowledge the mistake and that " they are working on it '' to fix it but that unfortunately that is the " way the system works ''. They stated that their Credit Department will fix my Credit within 30 days. 

Again, in the meantime, this is causing me distress, loss of time as I need to dispute this with every Credit Bureau Agency and negatively affecting my ability to acquire new loans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-02 00:00:00
Product: Debt collection — Auto
Issue: False statements or representation — Impersonated an attorney or official
Company: Santander Consumer USA Holdings Inc.
State: OK

Complaint narrative:
Keep receiving voice messages XXXX saying that this is a reminder from an asset to inform me that my scheduled payment for the settlement on file number XXXX will be debited from my bank account and that I can disregard message if there is no problem with my account. I can reach them directly at XXXX. They never give me business name or state their name in the voicemail. I finally called number back asking who they are and who they are with and they kept dodging the question. He then said he was with a law firm and they were going to seize my assests for not paying on my settlement of a past car that was a XXXX and went to collections. I informed the person that I already settled that debt and have all my legal documents from the debt company showing my settlement reached and paid so this must be a scam. I asked again who is he with and he hung up on me. I call number back, same voice answered but he denied ever speaking with me. When I asked him what company was he with he told me " XXXX ''. I found the real company online and called them. The lady with XXXX said they are not with those people and believe they are scammers impersonating them and that they have reported it. I have not given any information to the callers but they had an old address on file that I no longer live at so I am concerned they have gotten a hold of my credit report or social somehow and fishing for more info.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-26 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I was given a promotional offer for XXXX 2014 that I would receive 5 % cashback on all Theme Park purchases. I was traveling to XXXX XXXX so I used this card for all of my purchases inside of the Theme Parks. After I received my statement from the card I noticed that none of the purchases were given 5 % cashback, even though they were inside of the most well known Theme Park in the world. 

This apparently was due to the transactional coding that the merchant establishes. I contacted Citi-Cards XXXX times to resolve this but they would not offer any sort of compensation for this clear false advertisement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
On XXXX Santander made a collection call to my cell phone at XXXX without my consent. They also made a a call after XXXX without my consent. Please pull phone records for calls made during non collection times.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Santander Consumer USA Holdings Inc.

Complaint narrative:
I opted for voluntary termination of my car finance with Santander in XXXX. I have checked my credit score and it says my account has been seriously in arrears and gone into default as well as it saying the account has been closed. I was informed that voluntary termination should not affect credit score as written in legislation. I have emailed santander but received no reply as of yet. I have never missed a payment for any loans or finance in all of my credit history. I think this is unfair and needs to be amended

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: WINN LAW GROUP, APC
State: CA

Complaint narrative:
I was given a Payroll Memorandum from my employer stating they will be garnishing my wages. I was totally blown away had to clue what this was for? I looked at the address from the paper work it 's my sister address. I called the number listed they stated it was served to that address which i never lived there. I use my sister 's address to get packages shipped. The collector states he was awarded to garnish my wage due to me not showing up to court on a debt that was charged off from the cc company in 2012. I filed a dispute with that collector company and they stated you can file but? we are still going to garnish XXXX % from your employer. The paper work says XXXX Sheriff Levy and then says filed in XXXX, Ca. I do n't see how companies can do such a thing? Seems like total fraud a credit card company has charged off on the debt 2012 ... how can they harass and individual and then embarrass me at a new employer? I ca n't sleep and have been sick to my stomach over this. I am barely getting on my feet financially. Please let me know what I can do?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 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 received a loan through Santander consumer USA from carmax. I went one month with out having the car in my position from day of purchase. XXXX was unable to fix the to my satisfaction so I then informed Santander that it was a strong possibility that I would not be keeping the car so they moved the car note due date back to give them time. SANTANDER NEVER TOLD ME THAT THEY WOULD BE CHARGING ME HIGH INTEREST CHARGES DAILY!!!!! They informed me via phone that it was n't there job to tell me that!! They are faceing lawsuits in the millions every year because of there sneaky practices an I plan to follow suit

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: LDF Holdings, LLC
State: CA

Complaint narrative:
I only got the loan on XXXX XXXX 2016. The agreement was to pay XXXX/w. I have made 2 payments so far of XXXX. I called to get the pay-off amount on XXXX/XXXX/2016 and was told I still owe XXXX. The guy told me they are only putting XXXX/w towards the principle amount. The original loan amount was XXXX and the company added a finance charge of 657.65 or 720.01 % interest rate. The terms state you may prepay your loan at " Any '' time without penalty, but when you call for a pay off amount they tell you you have to wait for 2 days and add 2 more days of interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
I purchased a vehicle XX/XX/2014 from XXXX XXXX in XXXX NC. I had purchased XXXX other vehicles in the past from the car sales men. So ... I trusted him. I purchased a XXXX Dodge Avenger new. I traded in my Ford Explorer. He told me, purchase this car under this contract, pay your payments on time for a year and come back. We will refinance your loan for a lower interest rate. After the year, I called to set up an appointment to pay refinance the loan. The employee said, " I do not know why you were told that, we do not do that here. Yesterday, I went back to the dealership to try and trade the car in. They said my car is worth XXXX dollars. I owe XXXX. I have contacted the lender of my car to try and work out a way to pay the car off without such a burden of " being upside down ''. They said they can not help me. I dont know how I could have been so stupid or that a dealership would charge me triple the cost of a car. I would like to work out a way to stop the interest acruing on the vehicle to get it paid off quicker. Turning it in will only hurt my credit more. I do not know what to do.I told them I will never buy another car from them again. I make XXXX less than I made when I purchased the car. It is challenging enough financially to pay for the car. What can I do. What rights do I have?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: APPLE FINANCIAL HOLDINGS, INC.
State: NY

Complaint narrative:
In XXXX 2016, I found out that someone had made unauthorized withdrawals from my bank account when my rent check was returned for insufficient funds. I went to the bank to tell them I had been a victim of identity theft. They did not cancel my ATM card. On my XXXX statement, I saw additional unauthorized charges. I filed a police report and brought it to the bank to report the fraudulent charges. The bank representative was very rude and accused my granddaughter of using my card to make withdrawals. The bank representative would not believe that I had been a victim of identity theft. I lost over {$3000.00}. I asked the bank to investigate. They wrote me a letter a few weeks later saying the charges were authorized, but gave no details. Meanwhile, the police have identified the suspect and are preparing to make an arrest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Documents on file. Complaint number XXXX I am responding to Chrysler Capital latest correspondence. I tried to file a complaint with the FTC and the system kept referring me CFPB I need your protection. There must be something more this agency can do other than simply say thank you for informing us. Chrysler Capital is clearly willfully causing me Financial and emotional harm. There is documented history with Chrysler Capital, Chrysler Group LLC and XXXX. Please forward my case to a Concessional office or XXXX office. My daughter and myself need your protection. Help me teach her truth and doing what is wright matters. This is like a game to Chrysler Capital. It is causing my Mental handicap to shut me down and spin out of control. I ca n't take care of my simple day to day needs .... I realize Chrysler Capital is simply a debt collector for XXXX and Chrysler Group LLC and they have distance them selves from Chrysler Capital, But legally or morally they should be held accountable. After all we did loan them Hundreds of Millions of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: WA

Complaint narrative:
There is a discrepancy between payments and what is owed. The auto dealership contract does not comply with Lender. 

Payment started at {$13000.00} and it has been a year that I have been paying of XXXX/month. I checked my payoff quote and I received {$13000.00}. 
I am paying off another vehicle which i receive da month before purchasing with santander. The payment started at {$30000.00} and our pay off is XXXX. Our payment is XXXX/month. If I am paying half from the other vehicle, My pay off quote should have been reduced to $ XXXX ; not {$13000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Synovus Bank
State: TX

Complaint narrative:
The complaint that I have is with fstprogress. Over the last 6 months I have requested validation on multiple occasions for a debt that is listed on my credit report. I have been asking for evidence that bears my signature that shows that I have contractual obligation to pay fstprogress. I have not received anything that I requested and it is still on my credit report from all three of the credit reporting agencies. All my letters where sent certified with signed receipt verifying they received the letters. 

can you Please help me

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

Complaint narrative:
I am writing to you requesting assistance with a continued discrepancy and conflict with a previous creditor. I previously filed a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA with Santander Consumer Finance USA. I made it explicit that it was NOT a request for " verification '' or proof of my mailing address, but a complete competent legal validation of the accuracy of information reported to my credit profile for entries made by Santander Consumer USA at XXXX, XXXX and XXXX. I have not received this validation or a correcting of my credit profile to date. This issue arises from an account I originally initiated with Roadloans.com for an auto loan in XXXX that was subsequently transferred to Santander Consumer USA XX/XX/XXXX. The Roadloans.com account only ever reported to my XXXX credit profile. The date of first delinquency for the account with Roadloans.com was XXXX XXXX. Following a period of delinquency with Roadloans.com from XXXX XXXX to XXXX XXXX the account was transferred to Santander Consumer USA. The account was never brought current and was subsequently charged off by Santander Consumer USA in XXXX. The Roadloans.com account was deleted from my XXXX report XX/XX/XXXX as the seven year reporting period had passed, however the Santander Consumer USA account is still on my credit report. Both entries should have been deleted simultaneously, because they are for the same account with the same terms and payment histories. They share the same date of first delinquency and should, as such, share the same date of deletion from my credit profile. Additionally, Santander Consumer USA has : 1. ) reflected payment activity on the account XX/XX/XXXX to my XXXX credit profile which is completely false ( this was AFTER they had charged off the account ) ; 2. ) reported payment activity XX/XX/XXXX to my XXXX, XXXX and XXXX credit profiles which is completely false ( this was also AFTER they had charged off the account ). It is my belief that they are reporting this inaccurate account in violation of FDCPA 15 USC 1692e ( 8 ) by communicating credit information which is known or which should be known to be false, by reporting the account with a fictitious payment history and inaccurate information to result in a greater negative impact to my credit scores. 

I am requesting your assistance in getting Santander Consumer USA to immediately delete this tradeline from my credit profile at XXXX, XXXX and XXXX, as the date of first delinquency is past the seven year reporting timeline and the information is inaccurate or incomplete, and they can not verify the accuracy or completeness of the disputed information, as required under FCRA 623 ( 1 ) ( E ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Synovus Bank
State: CA

Complaint narrative:
I have a secured credit card through First Progress. I deposited {$400.00} with them so I have a credit limit of {$400.00} with a balance of {$340.00}. That means I had available balance of {$55.00}. I sent XXXX check on XXXX/XXXX/16 in the amount of {$50.00} then proceed to send a XXXX check in the amount of {$400.00} on XXXX/XXXX/16 to over pay my credit card. First Progress received the money for the XXXX check and took the money out of my account and posted it. That means I should have a negative balance of about - {$100.00}. They then proceed to tell me that I have an available balance of {$0.00}. They told me I have to wait 10 days to use my card again because I over paid it. My money is being held hostage and they take my money but will not allow me to use it. They are holding my funds while being in good standing and paying my credit balance before the due date while always paying more than the minimum every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I have a copy of my credit report and there were XXXX accounts reporting with Santander. The information reporting was not complete nor did it look accurate. It was disputed with the bureau and the information was not complete so I sent a request directly to Santander requesting validation of the debts and what they send was unacceptable. It does not validate the information. It is only a letter on their letter head stating what they are reporting is accurate. NO documents that I requested were included such as instrument showing my signature, correspondence etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
HELLO this company is did a hard click on my credit file without my written consent i never asked them for credit and never authorized any one to ask them on my behalf they are refusing to remove the hard click of my credit file the last XXXX of my ss # XXXX this happened XXXX/XXXX/2015

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03 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:
miss lead by sells rep during time of purchased vehicle in which ; car was never inspected/ warranty as stated claim by sell rep ; car will not past state inspection for past XXXX, inoperable/ unsafe to drive, excessive cost of repairs $ XXXX, predatory lending with excessive interest rate XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
Santander Fianancial is guilty of continuing to report fraudulent information on my credit file. I have repeatedly asked them to provide me with the documentation that they used to open this fraudulet account. I have yet to receive anything from them but lies and excuses. They are very rude and unprofessional. They refuse to remove this information in spite of the fact that I have sent them copies of my Identity Theft Application and the police report several times. Please do sometthing about these people who brashly and defiantly abuse victims of ID theft. Please help

Company response to consumer: Closed with explanation