vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: RELIANCE FIRST CAPITAL LLC
State: NM

Complaint narrative:
I was seeking to re-finance my mortgage to a lower rate. I checked XXXX, and discovered the lowest bid for my situation with a 30 year fixed rate mortgage was with Reliance First Capital , LLC. The indication rate was an APR of 3.315 %, a nominal rate of 3.25 %, and fees of {$3100.00}. We contacted XXXX XXXX at the XXXX, TX office of this firm. He established that both I and my wife have credit ratings of over XXXX. He asked what I would like our new payment to be. I simply said the lowest possible. He finally quoted a rate of 3.875 % with an APR over 4 % and fees of over {$5000.00}. He was very reluctant to provide the APR, and told us there were no fees. We had to badger him about what the new balance of the mortgage would be to finally understand most of the fees were in a higher mortgage balance. This sort of bait-and-switch behavior makes it very difficult to shop for mortgages.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: AZ

Complaint narrative:
I have requested that Chrysler Capital send me all loan documents for my Auto Loan. They refuse to comply. I have offered to pay for copies of these documents ; still ... will not comply. They are hiding something, and I will find out. This is illegal and unethical on so many levels. What ever happened to loans being transparent for the consumer? Who knows what Chrysler is charging me if I can not see any documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
my mother got a car loan XXXX/XXXX/XXXX they faxed the paperwork to her because she was not in the area, she was planning on moving in with my family and was needing a car that she could use i do not think that she understood the loan she was getting ( my wife co-signed but was not explained about the loan either because she assumed they had done that already ) no one had called her to tell her that the loan she was getting would mean that she would be paying more than double or even triple for this car according to Santander USA she has paid {$22000.00} since XXXX/XXXX/XXXX and still owes almost {$21000.00} but that number never seems to change i had them mail me the loan papers if i remember right the car was $ XXXXand i think about {$2500.00} was put down it is a used XXXX XXXX some reason they said they coundnt qualify for some of the other used cars they had, also this car has continually broken down since the time of purchase ( its a lemon ) my mom lives on social security and i make the payments every month for her but is has been a struggle for me to always pay onetime which has caused my wifes credit to take a bad hit because of all the late pays month payment is {$630.00} the car on XXXX XXXX XXXX has a value of about $ XXXX i hope there is something that you can help us with, it does n't seem right that we are going to end up paying over {$50000.00} for a car that was probably worth around {$13000.00} when it was purchased

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Hello, My wife and I refinance our car XX/XX/XXXX with Santander USA. XX/XX/XXXX we paid the car off and received new XXXX, release of security note. We sold the car to XXXX XXXX XXXX and since the car was sold XXXX more times. I went to the DMV and received the print out of title. We have submitted it to all credit agencies numerous times and call Santander. Santander will not update there system and keeps reporting the wrong information. This causing us great harm. We are trying to buy a home but with this wrong and malice act by Santander the bank wants us to put more money aside for the loan which we cant afford. 
Please help!!!! 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I went to purchase a car on XXXX/XXXX/2016. I gave the dealer permission to submit mine and my co signers credit application to XXXX finance companies. They submitted our applications to XXXX finance companies which was 6+ more than I authorized. We signed a contract that day to purchase a car. The next day they sent our credit application to another finance company after I had already made a purchase. Fast forward to XXXX/XXXX/2016 and they have sent our credit app to XXXX finance companies today without authorization and after we have already purchased a car. They are steadily adding credit inquiries to our reports without our permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: LDF Holdings, LLC
State: MA

Complaint narrative:
I initially borrowed {$500.00} in XXXX 2015. To date, I have paid {$990.00}. I read the loan payments would be monthly, but they withdrew them every two weeks, which have left myself and my children short for rent, utility payments and food. This loan XXXX lacing my family at risk and I am requesting assistance with addressing this fraudulent matter. I was informed by my Financial Advisor, that Payday loans are illegal in Massachusetts. I 'm battling XXXX and need to be sure I can protect my children. Please help us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-18 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: CT

Complaint narrative:
Company is Chrysler Capital out of XXXX Tx. 
I purchased a 3 yr car lease through Chrysler Capital in XXXX XXXX. From the start of the lease I was billed wrong and the account was reboarded several times. I asked for a copy of the correction that was done XX/XX/XXXX and never received it, also asked for a paid in full letter for the contract and was refused a letter as well. I purchased the car on XXXX XXXX, XXXX and asked that I be provide with something that says my contract is pd in full. Chrysler refused to give me a letter. Instead they sent me a email stating all payment were made on the account. It did n't say paid in full or contract pd In full and I could n't use it because it did not say the account was closed or pd in full. They are reporting is open on my credit with a balance and it is causing problem for me. I have a new finance company that I am financing the car through. I have asked them several times to correct it since I no longer have an account with them. But they wo n't. 
They also owe me a refund because I was overcharged on my car registration and they wo n't refund the money to me. They wont let me talk to anyone In titles and registrations or the Credit Dept to get the problems fixed. I did a dispute with transunion but Chrysler Capital said their was no change so the report still shows acct open and not closed. 
Every time I call there I get a different answer and they wo n't let me talk to the XXXX I need to talk to the person I need to to get a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: On-Site Manager, Inc.
State: OR

Complaint narrative:
I found that my criminal record that has been EXPUNGED is showing up on my report. You can contact XXXX XXXX XXXX at XXXX ext XXXX and talk to XXXX and verify this information. I want it off my public record on your site immediately! It is preventing me from obtaining housing.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First Federal Credit Control, Inc.
State: OH

Complaint narrative:
I was injured XXXX and I have a worker 's comp claim # XXXX date of injury XXXX/XXXX/XXXX I was going to University Hospitals here in XXXX, Oh. and because the clerks did not put correct medical codes on these bills Worker 's Comp refused to pay These bills are dated between XXXX and XXXX. 
++these bills are over 10 years old XXXX they should be removed from my credit reprt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
Transworld sent over several student loans to a collection law firm to collect on even though I never purchased or signed any paperwork with XXXX XXXX XXXX which I complained about to them twice. Per FDCPA, the owner of the debt must show proof that they own it before they demand any money for it. XXXX failed to send me the proof of ownership that I asked for but instead they decided to send it to a law firm where it could be sued on. I also spoke with XXXX XXXX XXXX and they acknowledged they had the loan before but none of the information was on the paperwork I received which is unacceptable. I never signed any paperwork or borrowed any money from XXXX XXXX XXXX either which they said to deal with XXXX XXXX XXXX because they no longer have the loans. I do see any ownership information from XXXX XXXX XXXX or XXXX XXXX XXXX, I received a promissory note that states XXXX XXXX XXXX and then letters from the law firm that states owner was XXXX XXXX XXXX but no explanation as to how they own this debt which is a requirement and I sent a letter asking for this information but I only received a promissory note and bills, nothing else and I asked for several issues to be resolved in the validation of debt that I sent to the law form on XXXX/XXXX/16. I did speak to a FDCPA attorney and was advised this debt is uncollectible without proof of ownership and no one can take legal action against me on this debt and it will need to be removed from my credit report. XXXX XXXX XXXX and Transworld are trying to commit fraud against me. I have the copies of all of the complaints I have against Transworld as proof. XXXX XXXX XXXX can not collect on this debt without ownership and that information must predated the day it was sent to the collections law firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA

Complaint narrative:
I contacted my mortgage company HSBC XX/XX/XXXX to ask for assistance with my home loan because I have been unemployed since XXXX XXXX XXXX and my unemployment ended XXXX XXXX. According to HSBC website I should have been offered assistance. 
When Mortgage Payment Difficulties Arise If you are an HSBC Mortgage Services ( former Household Mortgage Services ) customer, please visit www.hsbcmortgageservices.com. Not sure? Click here for more information. 
Let us help you find a solution Remember that relief is just a phone call away.Life is not always easy. We understand that, and we 're here to help you. Losing a job, divorce, an illness or a death in the family are just some of the things that can cause a delay in paying your mortgage payment. If you are experiencing or have recently experienced a hardship and are unable to keep up with your mortgage payments, contact us. We 'll work with you to try to make the best of a difficult situation. Call Our Payment Assistance Line at XXXX. 
Instead of getting assistance I was told by XXXX XXXX XXXX XXXX that my condition was temporary and they could not help me unless I had a XXXX or a XXXX XXXX or was dead. They also sent someone to appraise my home which I was not informed about and was shocked when I received the information in the mail. XXXX also said that I had equity in the home as if I could get a loan without a job, and was told I could appeal which makes no sense because they never tried to help me. I am turning XXXX soon and finding a job at my age has been extremely difficult even more so because I have more than 17 years of experience. I have paid my mortgage since XX/XX/XXXX and I believe that HSBC is falsely advertising that they offer assistance to homeowners who have lost a job like I have. They even post this information on their website which again indicates they will help you. 
Consumer Advisory Please be aware of Mortgage Modification Scams and Foreclosure Rescue Scams. HSBC Bank USA , N.A . should be your starting point for finding options to resolve delinquency or avoid foreclosure. Your first step is to call Payment Assistance at XXXX. 
I do not understand how what they are doing is legal ; providing false information like this. 
When I asked for a copy of the note I was told this would take a month to get. I wasted precious time believing assistance would be offered to me when clearly it was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I booked a ticket for XXXX XXXX. XXXX changed my times, which rendered the flight unusable, so I booked a new flight at an earlier time with a different airline ( XXXX ). All of these were with the American Express Platinum card. I was n't able to gain any headway with XXXX about this change to the flight schedule, so I contacted Amex. They issued a charge back to my account crediting me. I just found out that Amex reversed the charge back on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY
State: VT

Complaint narrative:
American express denied me a credit card not because I did n't qualify for it but because their fraud prevention unit located in XXXX said I could n't prove to their satisfaction that I am actually me and that my post office box which has been my American Express mailing address was not my real adress but a fraudulent XXXX. Becuause of this denial my credit rating will be negatively affected. Amex said they could not help me until I had a paper credit report showing my ratingwas changed. Amex admitted their mistake but said they could n't fix it. I need help in fixing this and obtaining the card I, would have received if XXXX had n't mistakenly cancelled my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Being sued by debt collector Midland Funding for a debt I did not even know about. I asked for verification and they sent a stack of paperwork from an account I did not open in XX/XX/XXXX or XX/XX/XXXX. My husband and I filed bankruptcy due to an auto accident in XX/XX/XXXX. I have only opened XXXX credit accounts in that time. Because I do not work and have bad credit. The paperwork they sent me has the wrong dates. Even my credit report says this debt was discharged in bankruptcy. Yet they are still taking me to court. Also the debt buyer company and original credit card company XXXX XXXX started reporting on my credit report that I opened said account in XX/XX/XXXX. Yet I never had attempted to open any credit account in XX/XX/XXXX and underneath these XXXX reports it says may have discharged in bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-20 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
My wife and I have been members of American Express Gold Card since XX/XX/XXXX. WIthout our consent or knowledge they started sending us XXXX Books periodically. For years we assumed it was a side benefit with the Gold Card Status. In XX/XX/XXXX my wife called and canceled the subscription. The book kept coming. Last year we called AMEX again and they said we 'd have to take it up with the publisher which we did. The book kept coming. We received a billing this year for {$44.00}. I sent a refure the charge to AMEX. We did n't get the book the next period, XX/XX/XXXX. Today while doiing a search of our expenses I fould they had started charging us {$44.00}. This occured twice on XX/XX/XXXX and XX/XX/XXXX. We called XXXX and talked to XXXX ( no further ID was given ) He said he would cancel any product coming from them. However he could not refund any of our payments. When I talk to AMEX they say talk to the publisher. WHen I received the XX/XX/XXXX charge I complained and they refunded one payment, but continued charing us in XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-15 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: GVA Holdings, LLC
State: CT

Complaint narrative:
I took a payday loan for {$400.00} with North Cash on XXXX/XXXX/XXXX. They took the first payment on XXXX/XXXX/XXXX for the amount of {$95.00} and after that, they 've been taking {$55.00} weekly for 10 weeks. I called today XXXX/XXXX/XXXX to ask for a pay off amount and they told me I owe {$430.00} so I asked why if the loan was only {$400.00} and she responded that all the money they been taking out of my account was interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
After first reviewing my credit report in XXXX of 2015, I noticed a " delinquent '' statement for TSI/XXXX. I was unsure of what it could be as I was never notified of any past due bills via mail, telephone, courier, etc. I had never known of any past due balances, let alone any past due balances to a company name TSI/XXXX. It was not until I investigated further with a credit report that it was in fact a medical provider " Shadow Emergency Physicians '' that claimed that I had a balance and they sent the balance to Transworld Systems Inc . Neither XXXX or Transworld Systems Inc. have EVER made contact with me or any attempts to collect debt ( to this day, XXXX XXXX, 2015 ). This claim has played an extremely negative effect on my credit score and, as a young adult, I require assistance in disputing and resolving this issue as promptly as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I am writing to you today about a prepaid card service that closed my prepaid account, took my money and has held it for nearly 2 months. I have called them regularly but every time I ask about this issue I am given the run around. Below is my account of the situation and I hope you will help me resolve this matter. 

On XXXX I used my Serve Prepaid cards to purchase airline tickets for myself and my family for an XXXX trip. The trip was planned for XX/XX/XXXX but we later decided that XXXX would be a better destination and so we cancelled out tickets as they were refundable. Of all the tickets, my refund in the amount of {$2500.00} did not process properly ( this was Airline 's error ) and had to be reprocessed in XX/XX/XXXX. This time the refund was properly back to my Serve prepaid card but for some reason the Serve Prepaid system flagged the refund as suspicious and/or against their terms and conditions. Within a matter of 48 hours my wife 's and my Serve prepaid accounts along with the several authorized user cards were closed. I also received an email stating that the refund for the airline ticket was denied and sent back to to the Airline. 

When I called Serve, I explained that the originalrefund was in fact legitimate and originated from a transaction several months prior. I also explained that I had no issues with the refunds from other family member 's and this should not have happened to my account. The representative looked through my past statements dating back to XX/XX/XXXX and found the original transaction pretty easily. She then referred the issue to another department for inquiry and resolution. I would be hearing back from them soon. As of today our accounts remained closed and the balances which were in them ( over {$3000.00} ) has not been refunded. When I call to inquire about our funds or try to get access to account information, past statements and the like I am stonewalled and told none of this information is available. I have no online access to our transactions whatsoever. 

In addition to the $ XXXX that Serve has confiscated, the Finance department of the airline has no record that the XXXX refund was returned to them at all. They say they would easily see this if it was the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
I received a letter at my residence in XXXX, XXXX via my employer ( XXXX XXXX ) that I would have my wages garnished for a debt. I reached out to my employer for more information however they were short with me. I made several attempts to the court however they were no help. I would have physically went to the courthouse however I live in XXXX and the court house was in XXXX XXXX, XXXX. I was never notified by the debt collector ( Asset Acceptance ) or court formally at my residence in XXXX. To make matters worse they took me to court in a state that I do not reside. The debt was paid in full however they refuse to remove it off my credit reports. I still to this day do not know what the debt was for. The case number at the court house is XXXX and the XXXX XXXX XXXX XXXX XXXX. The county is XXXX County, XXXX XXXX, XXXX. I have also included my XXXX XXXX license to prove I got it issued on XXXX/XXXX/2008 once year prior to the Judgement issued to me.

Company response to consumer: Closed with explanation