vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-20 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TN

Complaint narrative:
I transferred money using Moneygram on XXXX XXXX using debit card to send it to an XXXX bank ( debit card to bank account is Moneygram 's fastest transfer apparently ). My money was deducted but it wasnt delivered. On XXXX XXXX, i called them ( Please Note : I CALLED THEM ) and since then I have been struggling to get the refund from them. Their rep actually told me that she doesnt know why the money didnt go through and that the " system doesnt show ''. Then she forwarded my call to a dept which kept dropping my calls. After XXXX calls, finally I could connect and i was told point blank that the transaction must be cancelled ( ps : nobody still knows the reason but they were generously guessing ). Not for once they tried to set things right by actually trying to complete the remit. I was forced to cancel the transaction out of no options and since then they have been saying XXXX days return policy. By my calculation today is XXXX day ( or XXXX business day ). By their calculation it is XXXX business day post cancellation ( they actually debated with me on the business day count!!! ). I have n't received my refund. Till now I have called them atleast XXXX times and emailed them XXXX times. If I push them hard for the refund, I can sense rudeness in their tone and they predictably drop the call midway. 
Bottom-line, they have successfully held-back my money for 17 days ( and continuing ) despite my repeated requests. The family urgency which prompted me to send money to begin with couldnt be helped by me. 
I have used many remit services over years and this is the only company which actually collected SSN number by making it sound like a government requirement. I am extremely angry for giving it to them. A quick XXXX search yielded exactly similar stories which is even more worrying. Somebody should actually look into this company. The only reason I went with them was becoz I saw this name in XXXX and I assumed it might not be a scam company afterall. 
I complained to XXXX and MoneyGram hasnt responded to XXXX 's first notice. Second notice was sent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-29 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MD

Complaint narrative:
On XXXX XXXX, 2016 I sent a money transfer of {$100.00} to a friend who is starting a new job. It was supposed to be available in ten minutes ... I even got an email that confirmed it was available. On XXXX XXXX, 2016 my friend said he was experiencing problems getting the money. I contacted money gram to cancel the transaction and they told me that there was a security issue with the transfer and they needed to speak with the receiver to see if he was someone that was not allowed to use their service. 
Now, after two hours on the phone with them, they will not refund my money nor will they release it to the receiver. They say there is a government list that has the receivers name and they are trying to verify if he is the person of interest. While I appreciate the security features ... none of this was explained when I set up the account. I just want my full amount cancelled and returned to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
On XXXX the XXXX I had {$40.00} in my checking account. They then proceeded to charge me a {$38.00} insufficient fund fees. 
This bank fee charge is funds money that I needed to by food to eat.. I am working very hard to better my situation, but the {$38.00} fee really hurts. the {$40.00} in my account was depleted in entirety by the {$38.00} bank fee. This fee was charged due to my only having {$40.00}. in my account and is a very unfair and large fee to charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-22 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NC

Complaint narrative:
I was scammed out of {$800.00} on XXXX. The lady pretended to be my former supervisor stating the government was giving out free grants. She said I qualified but needed to pay a fee. I sent the money through XXXX. I sent it to XXXX NC XXXX. She picked up my money at XXXX The text number she used to stay in contact with me was XXXX. Another text number that was used to contact me was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: M&T BANK CORPORATION
State: CT

Complaint narrative:
I am just going round and round with lender trying to modify my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: M&T BANK CORPORATION
State: DC

Complaint narrative:
TRANSACTIONS, NONE. I did this XX/XX/XXXX after M & T bank beat me for {$80.00} on a technicality. Despite having definitively placing my account in a no overdraft protection status. M & T has once again paid something on my account and are attempting to justify charging me nsf fees for the overdraft by claiming this as a recurring payment versus a one time payment. Which it is n't and never has been. I pay this manually based on the months that I want the service, if you notice on the account for this vendor, it 's paid on different dates of the months that I use the service. When I placed my account in a status of declining overdraft protection, M & T bank did n't tell me I needed to specify transaction types in which I wanted no overdraft protection. No overdraft means no overdraft, does n't matter the type of transaction.

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 2015-06-09 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Herbert P. Sears Co., Inc.
State: CA

Complaint narrative:
I AM AWAITING A RESPONSE FROM ALL XXXX CREDIT BUREAUS. I have contacted Herbert P Sears Co at XXXX XXXX XXXX XXXX CA XXXX the collection agency for the Original Creditor : XXXX at XXXX XXXX XXXX XXXX XXXX, California XXXX, both by Certified Mailing on XXXX XXXX, XXXX regarding account # XXXX. 
HP Sears, to this date, has failed to submit a response to me. 
This account is not mine. I had FULL Benefits Medi-cal at the time I and my family ever had service done with XXXX XXXX and since XXXX when HP Sears have said these debts were incurred, I had XXXX. These are not my debts and HP Sears refuses to show me proof that these debts are mine. I know this is a common practice for HP Sears via XXXX to ignore any and all " Dispute Letters '' from any and all consumers, as I have come across many consumers with the same false reporting tactics that HP Sears has filed with all XXXX reporting agencies. I also am aware that this is a common practice for this company to not comply with FTC, FDCPA and FCRA. These companies just do NOT care. 
Please see the letter attached to HP Sears. I kindly requested proof of payment showing late payments, how it was made ( form of payment ) and when it was paid on. HP Sears never wrote me back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-02 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I recently obtained my consumer credit file and discovered SANTANDER CONSUMER USA, INC is reporting an alleged debt as a CHARGE OFF. Accordingly my records reflect SANTANDER CONSUMER USA, INC is not a known creditor of mine and I have not applied for, neither received any services or credit from this particular agency. SANTANDER CONSUMER USA, INC has not communicated with me to verify or validate any debt that I allegedly owe to them as of XXXX/XXXX/XXXX. Therefore I have respectfully demanded verification and or validation of any alleged debt pursuant to 15 USC1692g, 15 USC1681, and ORC 1345.01 respectively on XXXX XXXX, XXXX and XXXX XXXX, XXXX light of the foregoing SANTANDER CONSUMER USA, INC is demanded to please provide the alleged original genuine executed agreement that memorializes the transaction between SANTANDER CONSUMER USA, INC and Myself that supports SANTANDER CONSUMER USA, INC alleged creditor status.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: AL

Complaint narrative:
In XXXX I purchased aXX/XX/XXXX dodge ram truck, at the time we lived in XXXX XXXX. I was financially stable to make my payments, in XXXX XXXX my daughter gave XXXX to XXXX in XXXX XXXX they were 3 months early, they were in XXXX.my wife and I had to move to XXXX XXXX to help take care of our other grandsons who were XXXX and XXXX my daughter had to stay XXXX. well I took a job with a guy and he paid me fine to start and then he did n't and I had to call Chrysler and surrender my truck in XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: UT

Complaint narrative:
Santander was charged off as bad debt but it was paid and settled years ago and been a XXXX balance. Out of no where they did a new update on my credit report which is affecting my financing. They are in violation for continuing to damage my credit file. When I contacted them about it they said " if I paid them {$2000.00} they would delete it '' ... I have already paid and settled per our agreement years ago and the balance is XXXX, Im not sure why they are trying to blackmail me?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 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:
I was recently declined a loan. After reviewing my credit reports, there are some major errors regarding an old auto loan. I originally had a loan with XXXX, which was sold to Santander, I believe XX/XX/XXXX when Santander purchased their debts. I defaulted starting in XX/XX/XXXX and XX/XX/XXXX, and XX/XX/XXXX the car was repossessed. The date of initial delinquency was XX/XX/XXXX, which fulfills the 7 years statute of limitations on credit reporting as of XX/XX/XXXX. 

I was not offered the right to redeem the vehicle, and believe it was sold at a private auction. Under Florida law, I am supposed to be offered the right to redeem at a public auction. Regardless, when Santander purchased the loan, they listed late payments XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX -- when the car was in their possession as of XX/XX/XXXX. They kept on reporting through XX/XX/XXXX. 

The Fair Credit Reporting Act states that Santander must report the credit line as accurate. Due to their multiple errors, I was declined for a loan because my scores were much lower than they should have been than if they were reported properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-05 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: APPLE FINANCIAL HOLDINGS, INC.
State: CO

Complaint narrative:
Took my XXXX old Mother, who lives in a XXXX to Apple Bank, ( with great difficulty ) on XXXX. in XXXX to put my name on her account since I have a POA, and she is no long capable of transacting business. The VP of the Branch refused to put me on her account, lied to us and claimed some technicality ( which turned out to be false ) as to why she could not put me on the account. Now I can not transact her business, since I live in another state and will not be able to return to remedy this for a few months. 
Then I went to another of her banks ( her account of which I am also on ) and she signed a check to transfer money from her account at Apple. I find out when I return home that Apple refused the check and that I now have a fee, as a result. 
It is difficult to pay her XXXX, due to my inability to access her account. Apple Bank also refused my POA and the same VP said her account statements were going to an address in another state that she had not lived at ( for the past 15-20 years )! These people are not only corrupt, but incompetent as well. I am consulting my attorney and am planning to file a formal complaint with the Banking Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, National Association
State: GA

Complaint narrative:
On XX/XX/2016 My home was burglarized. I usually make my mortgage payment with NYCB by phone on this day. However when I came home at lunch time about XXXX my house looked like a tornado had gone through. My tax papers, photos every drawer, box, closet everything was strewn about. It took me 2 days to put it back together. 
Needless to say the last thing on my mind was the mortgage payment. However, I did make the payment the next day and asked that they please take the late charge off because of my circumstances. I wrote a letter and have never heard a response. 
Since this time my house was hit by XXXX and it is not live able. We have had to move out to rental house and it has been difficult to get the money released from our mortgage company after our insurance company sends them the money to repair our home. It has been since XX/XX/2016 repairs have just started. They did n't release the money in a timely manner which has now caused more damage and more delay for us to get back in. They are drawing interest on our money for repairs. We are now having to move from our rental home because it sold and we do n't know how long the repairs will take. All this to say please ask them to take any late charges off because of these catastrophic events that have occurred to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
i bought the car 2008 XXXX XXXX I about XXXX years I have all problems with car Ishould have take I back I was never happy with car. there is a lot things with it .now Ido n't never when to drive it I thing going break down.i have take XXXX or dealership theysaid there a lot things wrong with it they just give me XXXX for the car.so I call XXXX XXXX were I got the car will help me they said send letter to trade in XXXX done went to get a car from there just talk me in to get this we here them just the carhad not check when send the letter trade will give XXXX for it now they will not help meI have told them I do n't went outher care from there. customer service so bad there. 
so I need your help me. I can not drive this I think got live strangit outher.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
On XXXX XXXX, 2015 I submitted a payment request from XXXX XXXX XXXX bill pay services to pay the amount of {$84.00} to Santander Consumer USA in regards to my XXXX Credit Card account. The payment was to be paid on XXXX XXXX, 2015 which is approximately two days before my scheduled payment due date of XXXX/XXXX/2015. I sent the payment for the XXXX so I would not fall 30 days behind. The payment was delivered by XXXX XXXX XXXX via electronic check on XXXX XXXX, 2015 with a confirmation number of # XXXX. The payment was not credit to my account until XXXX XXXX, 2015 by Santander. I received a 30 day late notice on my credit report in regards to this payment. When I contacted Santander they stated that the payment was not received until the XXXX, but quickly changed there statement when I provided documentation from XXXX XXXX XXXX confirming the payment. A copy of my documents was provided as requested so the corrections can be made to my credit report. I was instructed contact Santander on XXXX/XXXX/2015 to confirm that the changes have been made. On XXXX/XXXX/2015 Santander stated that they are not going to change the report because it was not there fault that they credited the account on XXXX/XXXX/2015 instead on XXXX/XXXX/2015. They stated that the information was not enough to support my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
On XXXX of XXXX I purchased a XXXX XXXX from XXXX in XXXX ca for {$39000.00}. The car was financed by chrysler capital account # XXXX my payments were $ XXXX for 76 months. In XXXX i was injured on the job and was off for several months. i was unable to make my payments for 3 to 4 months. i was given noticed that my car was up for reposession. I called chrysler capital and was told i needed to make a payment of {$2500.00} on XXXX/XXXX/XXXX for them to stop the repo which i did. They further ask me to continue to make my payments plus extra to cover the late fee 's which i did till i was caught up which I have. In XXXX of XXXX i applied for a consumer loan and was rejected because of the entry chrysler capital made on my credit report. Thinking it was the fact i missed payments with them I understood till i signed up with XXXX and it showed that as of XXXX of XXXX no payment were reflected on my report even till current date and that the account was charged off and that the amount they were charging off was {$34000.00}. Believing it was a mistake i disputed this with XXXX, XXXX, XXXX, and XXXX and got my payment history from chrysler capital showing my payments, but their reports never changed. I called chryrsler capitals credit dispute section last week XXXX/XXXX/XXXX and was told that they did receive all my payments, but its their policy that if a payment goes 120 day without a payment that charge it 's off and would normally repo the car, but I had made a arrangement with them so they allowed me to keep the car as long as i continue to make my payments. I kept repeating about the charge off and that normally if a car is charged off they take back the car which would be sold at auction and they would write off the difference for a tax loss. the person in the dispute section said in my case my account is actual still active, but its their policy to charge it off anyway which would reflect on my credit report. i ask so from the time of the arrangement till now all those payments except in your payment history will not show on my credit report her reply was " yes its not a law per se just chrysler capitals policy '' I told her that was not fair and the only thing she could say was " I 'm sorry ''. I also ask how long does this charge off stay on my report even as I 'm still paying she stated 7 to 10 years so no matter how many times i dispute it its still a valid claim which they report to the credit bureaus every month. I ask what if I pay the car off her reply was still it will remain. I 'm at a loss as to what to do my XXXX score is improving, but with that charge off on it without a explanation as to why it says charge off I 'm screwed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: CO

Complaint narrative:
XXXX 2015..charged {$15.00} late fee..not late XXXX XXXX 2015 made extre {$50.00} payment..all went to interest..even though expressly requested to be applied to principal XXXX XXXX 2015 extra payment applied to interest expressly made separate payment and called ... all went to interest XXXX XXXX 2015 {$20.00} principal only payment was applied to interest XXXX XXXX extra princpal only payment XXXX went to interest in XXXX 2015 i paid XXXX in interest..XX/XX/XXXX 2015 i paid XXXX.why am i paying more interest on lesser balance.. ( XXXX XXXX balance XXXX ... XXXX balance XXXX ) i want a recent copy of payment sent to me in paper copy i want above corrected ( at 19 % interest ) i want an explanation on increased interest payment and when that started and a month by month intrest account stated in my answer to CFPB not just sent in payment history my payments have been made on time since XXXX 2015..i have bank records

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Green Square Company LLC.
State: NY

Complaint narrative:
Premier Recovery Group has been contacting me without properly displaying their company name and phone number on my caller ID. Most recently, XXXX XXXX, 2015. They also failed to identify the company 's name and spoke faster to the point I could not understand.

Company response to consumer: Closed
Consumer complaint received 2017-01-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I am a student who stuck in auto loan with SANTANDER CONSUMER USA 1. i got approved when dealer VWalhambra and SANTANDER make a deal for me. 
2. in program 1st time buyer + New car 3. Dealer does n't asking or give an information about gap 4. Bank approved with 23.76 % interest + NO GAP for new car loan. 
5. 1months and 15days later The car running now and system lock all tire in the same time Airbag from wheel front of me pump up still got luck because my arm protect my face while i turned off the freeway. 
6. I keep pay on time until Bank give me the final total that still owe..around $ XXXX+ 7. I tried to talk with bank that i want them to show how much they got money from insurance and Why i do n't have gap for covered for a new car?? 
8. They keep said that I told them I do n't want but that 's not true. Deal between SANTANDER AND XXXX 9. I confused and I ca n't do anything and Which Company Could help me? 
10. XXXX put {$2000.00} on XXXX but they do n't put on GAP. 
11. i got a new car for 2 months and stuck from XX/XX/2015 till now 12. with Higher interest and Dealer not respond anything like they was n't wrong. 
13 Am I wrong? that I never know about gap or about the processed and insurance from XXXX No agent because i did online nobody give me an advice. 
14. How do i know that i need gap insurance if I do n't have an accident and My car was totaled. Until when i will know??

Company response to consumer: Closed with non-monetary relief