vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-26 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Synovus Bank
State: CA

Complaint narrative:
When I make a payment it takes several weeks to appear. 

I must wait 10 weeks for a refund on my secured credit card if I close my account. 

They are difficult to get ahold of and provide bad customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
After filing an initial complaint regarding how Santander would not accept my payments, I filed a complaint to get help from the CFPB. They responded and ignored the complaint. Since then I have been working with them trying to figure out why I have so much additional interest being paid on my account. Tonight I found out that they would not except my payments in XX/XX/XXXX, and rolled the balance due in XX/XX/XXXX into XX/XX/XXXX. So now I do not know anything from XX/XX/XXXX or XX/XX/XXXX but I owe {$810.00} on XXXX/XXXX/2016. My standard monthly payment is XXXX. Not only are they charging me additional interest but now they are extending the term of my loan that I did not approve of or accept. this is a separate complaint but it is based off of the first complaint as the second complaint it is regarding retaliation by Santander. They continue their corrupt and predatory business practices and I 'm once again left with no option but to reach out asking for help to someone who can make them respond. tonight after trying to understand what they did XXXX the representative disconnected the chat and is now blocked me from chatting with them any further. Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Grant & Weber
State: CA

Complaint narrative:
Company GRANT & WEBER- Original creditor- XXXX Account no. XXXX Date Opened : XX/XX/2011 and reported date : XX/XX/2011 This is a medical bill for XXXX Hospital and should not be on my credit report. Bill should have been sent to my health insurance companies. I was covered a XXXX percent under medicare and medical. Please find the attached coverage information

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
I have a very old auto loan from SANTANDER CONSUMER U. They reported my last payment as XXXX 2015 to the credit bureaus I have n't made a payment or heard of this loan in many years. This is false information, originally ( years back ) when i signed for the loan I was quoted a XXXX monthly payment. When my first statement arrived the monthly amount was over {$600.00}. I attempted to fight this with Santander but it lead no where. This was before an agency like the CFPB was around. I attempted to pay the {$600.00} since the dealership could n't take the car back and was not able to keep up with payments after a period of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Santander Consumer USA Holdings Inc.
State: AZ

Complaint narrative:
This auto issue to collect from me is made by my ex wife not me ... ..she is legally responsible for this auto loan thats in collection ... ..it shouldnt be on my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: MN

Complaint narrative:
Our vehicle was seized by the MN State Highway Patrol back in XXXX XXXX. 
We settled with XXXX XXXX, the company our original loan was through, on XXXX XXXX, XXXX. 
XXXX XXXX was bought out by Santander Consumer USA and they finally marked our account as closed XXXX XXXX, XXXX. But they are still reporting us on our credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: CO

Complaint narrative:
Negotiated payoff amount was paid in full XXXX. They do not show that this was paid and are harassing us.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
They repossessed my car when the payment was only two days late. When I contacted them I was told they sold it. They never once sent me any notices or gave me the right to cure. Generally, the secured creditor must give the consumer the right to reinstate. ( Cal. Civil Code XXXX ) The finance company must provide notice to the consumer of its intent, ( Notice of Intent ) to dispose ( resell ) the vehicle within 60 days of the repossession and at least 15 days prior to resale ( 20 days if the notice is coming from out of state ). The ( Notice of Intent ) must contain all the disclosures required by Cal. Civil Code XXXX ( XXXX ) ( XXXX ). Among the disclosures required is the consumer 's right to 'redeem ' by paying the balance of the loan. Strict compliance is required with these requirements : if the secured creditor fails to strictly comply, it will be absolutely barred from collecting any deficiency. XXXX ( XXXX XXXX, CA ) wanted $ XXXX to return my personal belongings. Repo men have a duty under Bus. & Prof. Code XXXX to provide notice to the consumers that they have this property prior to disposing of it. Although there is no private right of action under the B & P Code sections, consumers could seek compensation through the Unfair Competition Law, Bus. & Prof. Code XXXX et seq. Disposing of the property could also constitute a violation of the Rosenthal Act. In fact I have received nothing from them at all not even one phone call. Yet the OMV contacted me saying the registration has been suspended cause I did n't pay my car insurance. The car in fact is still registered to me. 
Also all my paperwork for the loan was in the glove box and they have deactivated online access to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05 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:
Santander Consumer USA violated the Service Member Civil Relief Act as well as the fair Debt Collection Practices Act while I was XXXX between XX/XX/XXXX and XX/XX/XXXX. XX/XX/XXXX I was on XXXX, and then entered into XXXX From XX/XX/XXXX to XX/XX/XXXX. While XXXX, one of their representatives called me later hours at night, sometimes after XXXX XXXX. In addition, since they called me, it means they called me while I was at work XXXX. She made a settlement offer while we spoke, and one time she asked me if all of this was affecting my security clearance. The Last payment received was in XX/XX/XXXX, the time I was XXXX. They shouldnt have been asking for nor receiving payment at the time. In addition, they never bothered to repossess the vehicle. I told the individual that the vehicle was back in the U.S. and that I did not have enough money for the settlement offer. She called me at least 3 times while I was there, late hours of the night when I should have been XXXX. To make a long story short, she stopped calling me. I financed the vehicle with this company XXXX. So no payments were made after XX/XX/XXXX. And that 's because I was XXXX and did n't have enough money to make payments. Instead, they should have went ahead and repossessed the car, but they just kept harassing me. About 2 years later, I checked my credit report and I saw where the company wrote off/discharged the loan. Afterwards, another gentlemen called me from the same company talking very rude and nasty to me while I was working at my national guard unit on that particular day. I told him, that since I was an XXXX XXXX XXXX vet, I didnt receive as much and I had no other income or job. He then said basically, that 's b.s. and hung up the phone. Fast forward to XX/XX/XXXX. I received a XXXX from this company stating I was discharged of debt in the amount of {$14000.00}. The letter was dated XXXX/XXXX/XXXX so I 'm assuming that was the discharge date. I also received a letter from SCUSA-SCRA settlement administration stating, this company entered into a settlement with the U.S. Department of Justice for violating the service members civil relief act. The letter informed me that I may be eligible to receive compensation due to their violations that are corrupt. In addition, this debt shouldnt even exist because they never repossessed the vehicle and the debt was written off around XX/XX/XXXX. I know this to be a fact because in XX/XX/XXXX I financed a vehicle from XXXX XXXX XXXX, and XX/XX/XXXX I financed a vehicle through XXXX, so this debt doesnt even show on my credit report anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: NV

Complaint narrative:
Hi, I want to seek help regardig my auto loan with Santander Consumer USA. We had the loan with them since XX/XX/XXXX. Up to now, my balance is still the same. We kept asking why did not go down for almost 4 years and my loan is supposed to end up this XX/XX/XXXX. It is a hard earned money and a waste of money finding out my balance isnt going lesser even i am paying.i might had late payments sometimes, but i do my best to paymy monthly and it is so ridiculous it isnt going to my principal for 4 years. Please help! 

Thank you and looking forward to hear from you. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30 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 had entered into a purchase agreement for a vehicle, XXXX dodge caliber through XXXX located in XXXX, XXXX. Which was financed by : Santander Consumer USA, XXXX. XXXX XXXX, XXXX, XXXX XXXX : XXXX. This purchase agreement started XX/XX/XXXX/XX/XX/XXXX. In XX/XX/XXXX I had to file bankruptcy. Even though they where listed I had agreed to continue making agreed payments which i did up to now. Now this is my complaint XXXX refuses to update credit agencies of my account and my on time/correct payments. I have contacted them on different occasion and the credit agencies said there is nothing they can do, this information has to come the financing company. This company has hendered me from getting refinanced as they have refused to do, which kept me in a high interest rate loan. I have just recently been able to get refinanced through XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
at the time I voluntary gave car back .because I didnt have a job.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: DE

Complaint narrative:
Today, XXXX I received an automatic dialer call from Sandanter asking to speak to XXXX XXXX I did n't catch the last name XXXX to my cell phone XXXX. I proceeded to advise the agent that I believe they may have a system error and that while myself and my husband XXXX XXXX XXXX do have a car loan account with them ( that was past due but on Friday XXXX I made arrangements to bring current ) our number was not for XXXX. She stated she was sorry and that the system just dials the numbers and that they called me for a XXXX and she would place a do not call on my number. I told her she could n't due that as I do have an account with them and would need them to call me regarding my account and that in fact I answered the call today thinking it was the agent I spoke with on Friday to confirm my payment arrangement. I advised her I am concerned because of my privacy and violations of calling my cell phone more then what is allowed by the FTC laws. I advised they had contacted me for the last few months more than XXXX times a day on my telephone number and my spouses cell phone number. His number is XXXX. She offered to transfer me to a supervisor because she was unsure what to do since she could n't add a XXXX final to my telephone number since I did have an account. The manager came on the line and advised me she would remove my telephone number from XXXX 's account. She located me and my husbands account and apologized for the error. I explained that they could be in violation and she advised they were aware of a system error within their dialer that crossed numbers last week but it was corrected. I advised it was not corrected as she just called my cell phone and asked for XXXX. I explained taht this does not seem right and I requested answers. When I explained if they were in fact in violation by calling people with there dialer and having numbers crossed that they could be fined up to {$1500.00} per call she assured me that it was corrected and they did n't call me more then the allowed times. I advised I was filing a CFPB complaint as they should be required to complete a call audit and provide logs on the calls they made to me and my husband to assure they were in compliance. Additionally, if there was a system error, how many other people were affected. If there is violation I feel they need to credit my account {$1500.00} per call they violated. Please advise me of your findings and get to the bottom of their dialer issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Grant & Weber
State: CA

Complaint narrative:
I opened an account at XXXX XXXX XXXX as a supplementary account to my main bank account. I funded it the account with just a XXXX dollars. I also attached XXXX to my XXXX account. 

I made a purchase on XXXX that was supposed to be charged to my credit card, but XXXX wrongly charged my bank account instead, causing an overdraft. Even though XXXX swiftly corrected the error and refunded the money, XXXX charged me an overdraft fee. I tried to explain to them that this was the result of a billing error but they would n't hear it. 

Ultimately, XXXX kept the overdraft fees and opened a collection account based solely on the fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NV

Complaint narrative:
I made a money transfer to my father in XXXX through money gram. When my father went to pick it up he was told there is no order number matching his number. The lady at store had also made a mistake my fathers name is XXXX XXXX XXXX and she only put XXXX XXXX. I called money gram and they said it was on hold and that my father needs to call a phone number they gave me. So I called my father again and gave him the number to call. Well there was no answer. He went back to the bank and they still have no money for him. So I drove for an hour to the money gram I sent the money through and they told me the money is on hold and there was nothing they can do. So I called money gram again and they said the same thing again. My father needs to call and say they could give me back the money so I could resend it. Again there is no answer to any of the phone numbers they gave him. So I sent {$200.00} to my father that he can not Claim and they will not return to me. Every time I call they same the same thing he needs to call them but none of the numbers they give me work.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
I 'm a veteran XXXX vet, there is a law in place right now and has been that when ever a 100 % veteran enters a non-va medical facility for services they contact The department of veteran affairs XXXX XXXX XXXX XXXX XXXX Michigan XXXX for payment, they do n't do this they send it over for collections then it ends up on the veterans credit report, if it only takes me 2 minutes to get this information as big as medical facility is why ca n't they do the same thing I 've written you about this same situation in 2013, so I 'm gon na give them info again. Whenever a vet comes into your facility in Michigan contact XXXX, and quit making it so hard for us veterans. XXXX in this dept said XXXX hospital never contacted them about this bill. I 'll send over all supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 00:00:00
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: WA

Complaint narrative:
Money was never transmitted to bank nor recipient. Refund not provided to me Terrible customer service.Errors/Conflicting reference number I sent money via MoneyGram online service. on XXXX, 2015. I paid {$210.00}. cash, of which {$9.00} was transaction fee, reference # XXXX ( The Customer service does not have this number matching- I have E receipts and online account ). The money was intended for my mother via XXXX phone number XXXX XXXX XXXX in XXXX. When she went to the designated XXXX bank agent in XXXX, they informed her that the money was never transmitted nor in their System .I called customer care on ( XXXX ) XXXX ( XXXX ) XXXX, Filed online and they have had me with the following reference codes they called back XXXX and XXXX She tried again on XXXX XXXX with the same result. That same day, XXXX XXXX I contacted MoneyGram about the problem and Called XXXX XXXX Customer number # XXXX. They told me that they dont have any money from Money gram to XXXX or they cant help help me even though my receipt shows my name and reference number accurately. Then they transferred me from XXXX person to the next. I spoke with XXXX people that day. The calls lasted over XXXX hours. The last person from opened a case, She said she would give me a call after they investigate. I have never had problem with money gram before but my trust and patience is running out, I used to really recommend money gram but for 3 days my joy of doing transaction with good faith has turned out to be pain -I was sending money for emergency the receiver never got the money, I am even scared using the products right before this ordeal my online account was blocked and I can not even access their Plus account, Today XXXX XXXX 2015 I realized the calls in Customer service are on long wait delay I have been on the phone all day trying to get a refund. I get transferred around and get hung up on, They need to really protect consumers

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
I do not owe this debt and it is bringing my credit score down. I have no clue what this debt might be.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: OH

Complaint narrative:
Transfer money through Moneygram on XXXX/XXXX/15. The money did not get to the recipient. I filed a complain to Moneygram anti-fraud unit, I was told to give them 21days for investigation and resolution.I called them today XXXX/XXXX/15 and I was told no resolution had reach yet. This is causing me XXXX and general stress. I therefore needs your help to get the money to the recipient as soon as possible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-25 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Receivables Management Partners, LLC
State: IL

Complaint narrative:
I have several Medical bills from this company, and I never seen these people in my life. I 've been an ID Theft victim for a long time, and I 'm very upset. These need to come off of my credit too!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HEAD MERCANTILE CO., INC.
State: OH

Complaint narrative:
Please review the attached XXXX XXXX, 2015, letter sent to : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Virginia XXXX - XXXX RE : XXXX XXXX XXXX XXXX XXXX ( XXXX ) - Account Number : XXXX Referred by : Office of the Ohio Attorney General In response to my above complaint, I have received a letter dated XXXX XXXX, 2015, from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Case XXXX XXXX, stating they are in process of reviewing my complaint, and that it may take up to 60 days to complete. On XXXX XXXX, 2015, I sent an inquiry to them regarding my claim, and have not heard back, as of yet. Until this issue is resolved, please remove this inaccurate information placed on my credit file, because it is incorrect information reported. The XXXX XXXX XXXX XXXX and its malfeasance against me as a consumer have been duly noted.

Company response to consumer: Closed with explanation