vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Santander Consumer USA Holdings Inc.

Complaint narrative:
Santander has provided me with false information through out the life of this loan. I have verbally requested that Santander put the money paid towards the principal a total of 45 payments of XXXX. I am not knowledgeable to finance and feel take advantage of at this point. The cash price of the vehicle were XXXX. I was financed XXXX. 
Today I communicated with a Santander representative via chat and she refused me and I had to keep asking when finally she informed me since the account was now delinquent that the payment would not and could not be credited towards the principal which is what I wanted all along. After she would not cooperate with me I called back and spoke with a representative that stated she would put in the request to put the payment of XXXX towards my principal as I paid XXXX today online. 

Santander has told me things like I has to make 3 payments to have payments applied to principle well I am well over three payments. the interest rate that I did not notice is XXXX percent .... I am a woman and not savvy, although some might me with such things

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 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 have been trying to get this information deleted from my credit report I have made multiple attempts to contact the creditor and have n't got any response. I sent a letter requesting information per the Fair Debt Collection and practices Act and have never gotten a response. When i call the number listed on my credit report an answering system asks for my SS number then hangs up on me. The information on my credit report has n't been updated since 2009 and the credit agencies refuse to delete. Please contact me by phone or E mail for more Info ... .. The Company I 'm trying to delete is SANTANDER XXXX XXXX, XXXX ( XXXX ) XXXXDirect Dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
XXXX XXXX -- -- XXXX XXXX XXXX XXXXI AM PAYMENT FOR XXXX XXXX AS PROVE AS SANTANDER CONSUMER USA/AUTO LOAN LAST XX/XX/XXXX SINCE XX/XX/XXXXOR XXXX AS COPY XXXX XXXX PLEASE SEND ME MY ADDRESS IS XXXX NC XXXX CUZ I WILL BE SUIT MY EX HUSBAND ..SO I ALREADY DIVORCE NEVER PAY AS HALF SO I WILL PAY FOR {$52.00} MONTHLY ANYWAY LET U KNOW THAT ALL SMILE .. LET ME KNOW CALL ME XXXX AS QUICKLY THANK U XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Green Square Company LLC.
State: TX

Complaint narrative:
Telling me I have a returned item from my bank which I do n't have anything ... I have verified with my bank I have had NO returned items ... And it 's in my best interest to call them back ...

Company response to consumer: Closed
Consumer complaint received 2017-02-03 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: Synovus Bank
State: CA

Complaint narrative:
In XXXX of XXXX I closed my credit card account with First Progress. It was a credit card account which required an initial deposit of {$300.00}. At the time of closure I had a zero balance. I called customer service and confirmed that the balance was XXXX, requested to close the account, and I verbally requested an immediate refund of the initial deposit amount of {$300.00}. The customer service person stated that I would have to fax over a written request for the deposit money to be returned immediately. I faxed over a written request for the immediate return of the initial deposit money. I received confirmation from First Progress on XXXX/XXXX/XXXX indicating that they had closed my account as requested. Greater than eight weeks have passed and to date XXXX/XXXX/XXXX No refund of my deposit has been issued. I am requesting that my refund be issued immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-03 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Flagstar Bank, National Association
State: OH

Complaint narrative:
New York community Bank which took over Ohio savings bank has pushed their Elite banking every time I go to a different teller or re-up a CD. Recently I received a mailer asking that I join the Elite plan and get the better results in interest. You have to keep your balance at over XXXX and the increase in interest only affords you a payout of XXXX dollars a year. In the Mailer it explains in very fine print that the accounts are transferred to XXXX. That was never mentioned before and the cover letter is on Bank Stationary which mentions FDIC. The fine print of themailer mentions that it is not insured by the FDIC

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I had a car loan with Santander Consumer for almost 3 years. When I decided to switch for a lease, the loan balance was paid off but there is not an option in their website to stop the automatic monthly payments drawing from my checking account. I should 've called them earlier but did n't do it and they drafted one more monthly amount of {$320.00} and when I called them they told me a prepaid visa card will be mailed with that amount and that I have to wait a month. I spend several minutes arguing with the guy in customer service asking for a check because I just need the cash and finally they told me that they will do it. The guy told me that he started a process to substitute the prepaid visa for a check. 
A week after another person called me telling me that is impossible to send a check but I will be able to get cash from that prepaid card. So he asked me if I agree with that and I say yes. When I received the prepaid card the instructions said very clear that THIS CARD DOES NOT HAVE ATM CASH ACCESS So beside the incredible high interest I was paying with that loan ( I decided to lease a car so I get rid of that loan ) they want to keep my money for longer time and keep earning fees every time I use this prepaid card in every business I will buy from. I do not need this prepaid XXXX card. I just need my money back in cash.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: MO

Complaint narrative:
I purchased a car from Santander, I had to move because of job related issues I could no longer afford the payments so I did a voluntary repossession. The company sold the car and then still tried to collect the full amount of the car from me. After I was told that all I would owe was any balance if any that was left after the car was sold. They are still trying to collect over XXXX from me and the car was n't even that much to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26 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:
In XXXX, I financed a XXXX Ford Fusion for 5 years with Santander Consumer USA Company. I paid a down payment of {$1500.00} and a monthly note of {$420.00} for 36 months. After paying for 36 months, ( which was 3 years later ) the Balance was ONLY {$3000.00} less than the Initial Financed Amount. I WAS IN SHOCK!!! HOW COULD THIS BE? The car was financed for {$18000.00}, THIS IS A RACKET OR SCAM. In XXXX, XXXX, I traded my Ford Fusion for a new vehicle. During this process of trading my Ford Fusion on a new car, I was told that the PAY off on XXXX XXXX was more than {$15000.00}. The car only Cost {$18000.00}. And after paying a REGULARLY monthly payment How can the PAY OFF BALANCE STILL BE ALMOST AS GREAT AT THE INITIAL FINANCING OF THE CAR BEFORE ANY PAYMENTS. My monthly payment was {$420.00} EACH monthly. And ON Several Months I paid {$440.00} or more. This is interest Gauging or Unfair and Unlawful Interest to the Consumer. I also was then told that the car was financed for 72 months instead of the 5 years. And How Can The Pay-Off be more than {$14000.00}. When I Disputed it and talked to several Managers at Santander I was Told " This is the Pay-Off on the Day in Question, IT IS MORE ON A MONTHLY PAYMENT SCHEDULE. THIS CRAZY! I HAVE NEVER BEEN 30 DAYS LATE. AND NOW THEY HAVE SENT NOTICES STATING I OWE THEM WHEN I DO N'T. AND THEY ARE REPORTING FRAUDULENT, ERRONEOUS REPORTS TO THE CREDIT BUREAUS STATING I HAVE BEEN MORE THAN 30 DAYS LATE WHEN I HAVE NOT! THEY NEED TO CORRECT THEIR RECORDS AND THE CREDIT BUREAUS REPORTING, STOP ASSASSINATING MY CREDIT AND REFUND ME ANY MONEY WITH INTEREST THEY TOOK DUE TO FRAUD AND ERRONEOUS INTEREST GAUGING TO THE CONSUMER. ALSO THEY ARE PROBABLY PRACTICING THIS FRAUDULENT BEHAVIOR WITH XXXX OF CUSTOMERS. IT NEEDS TO STOP AND DESIST!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Green Square Company LLC.
State: IL

Complaint narrative:
I continuously receive phone calls from a company named Premier Recovery Group ( PRG ). I decided to contact them today to find out what is the nature of their consistent calls. They mentioned something about an online loan from many years ago that I have no knowledge of. in addition to the rude tactics the representative had while speaking with me, there are several FDCPA and TCPA violations. The agent never provided the mini miranda, did not properly identify he was speaking with the correct person nor did he provide the recording statement. I have never given this organization express consent to dial my cell phone number ; I do not even know who they are. When I verbally requested a cease and desist the agent began to yell " Pay your bill '' several times and hung up, then called right back. I did not apply or receive any payday loan for whatever time period they are claiming

Company response to consumer: Closed
Consumer complaint received 2015-09-17 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Synovus Bank
State: AZ

Complaint narrative:
SirCan you please help with this problem. It should be easy to fix but since I cant communicate with this company makes it hard. Im sure they set it up this way to save money. 

I obtained a secured credit card from first progress for {$300.00}. The problem is XXXX credits are posted on XX/XX/XXXX and XX/XX/XXXX however they are not credited or deducted from balance, see file. Now they also want late fees. 

All the numbers I call or can find online either dont work or they have no idea. 

on card says first progress issued by Synovus Bank XXXX XXXX. Cant talk to a humanIve also called other numbers. 
I wrote them month ago no reply. 
This is a real stupid setup by this company. Please help as i am worried they are now going to show this as late account etc.. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WINN LAW GROUP, APC
State: CA

Complaint narrative:
Winn Law group placed a levy on our bank account, returned the money when they found it was n't us but have not responded to our many attempts to get all the incurred fee 's ( {$300.00} ) - when we contacted BBB they said to have us call them - they never answer or return calls. after looking into them- there are several complaints about this company yet they 're still in business.. Somebody can just drain your funds, and have no recourse for their error is unbelievable?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
There is hidden transaction and unauthorized soliciting by undue interference.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have an American Express Serve Prepaid Account, card number XXXX and XXXX sub-accounts. XXXX of my sub-account holders is XXXX XXXX. 
The sub-account card for XXXX XXXX was lost and I promptly called the American Express Serve customer service number to report the card lost and also notify them of the unauthorized transactions found on the account online. 
There were XXXX posted unauthorized transactions at the time of my call, from XXXX different mechants, for the amount of {$1700.00} and they were disputed. I was sent a dispute declaration form on Friday XXXX/XXXX/2015 which I filled out and sent back by fax, same day. 
To my surprise, I received an email from American Express, stating that my Serve account has been suspended, and all my sub-accounts closed. I also got an email saying my disputed transitions ' claim was denied and never got my money back. 
The case for unauthorized transactions was reported Friday, and by Monday morning, American Express has concluded their investigation and denied me fair hearing, as stipulated by the banking laws. 
I Calle the Merchants in question, and some of them never got a call or Email or mail from American Express, regarding my case. So the question is, what was investigated?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL

Complaint narrative:
Company keeps calling me at work and at home and NEVER identify themselves or company name. They leave leaving threatening messages for fraudulent debt. The message started with " A complaint had been filed against you '' and that I " and or my attorney need to call ''. '' They then threatened to contact my place of employment. I have not received anything in the mail in regard to this nor do I now owe, nor have I ever owed, any bills or other debts. You call the number back and get no information concerning true identity of company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 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: GA

Complaint narrative:
Midland funding keeps attempting to collect a old debt from me and I never had credit with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-03 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: FL

Complaint narrative:
I have requested validation and still yet to receive. I have not had any credit cards to over 7 years this is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-18 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
On XX/XX/2016 American Express placed an inquiry on both my XXXX and XXXX credit report which I did not authorize. The American Express Website contains a page ( https : XXXX ) where they claim you are able to " See if we Have Any Pre-Qualified Offers for You Find out in less than a minute without affecting your credit score '' However, when I completed this information it resulted in hard inquiry on which reduced my credit score by 9 points. I called to complain about the situation but was treated very rudely by " New Applications Manager '' in XXXX ( XXXX ). She told me there was nothing that could be done and when I asked her how I could complain to the company CEO she told me to " google it ''. I am shocked at the lack of customer service when an obvious error has been made on the part of American Express. I would like all inquires on XX/XX/2016 removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY
State: VT

Complaint narrative:
Bogus charges from XXXX appeared on our AMEX card. XXXX month was for + {$600.00} ; XXXX month was for + {$3500.00}. We do not know who they are, nor were we ever contacted by them by phone or e-mail. We always use a virtual keyboard when ever we enter sensitive data. We did not pay any of these charges and feel that this is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American Express ( " Amex '' ) arbitrarily and fraudulently revoked XXXX American Express Membership Rewards points ( the " Points '' ) worth in excess of {$1000.00} from my credit card account without authorization and in violation of the terms of my cardmember agreement. Amex representatives had previously verbally confirmed to me that the Points would not be revoked from my account and Amex is currently refusing to honor the explicit promises made by their phone support agent. 

Full issue : I was approved for an Amex Platinum credit card on XXXX XXXX, 2016. My account was opened under an offer to receive XXXX Points after spending {$3000.00} within three months. The value of the XXXX Points is at minimum {$1000.00} based on their ability to be redeemed for credit card statement credit. I fulfilled all offer requirements with a total spend of {$5900.00} from card opening to XXXX XXXX, 2016. 

Since I had fulfilled the offer requirements, Amex deposited XXXX Points into my account on XXXX XXXX, 2016. Independent of this complaint and based on the benefits of the Amex Platinum card not meeting my expectations, I decided to cancel the account on XXXX XXXX, 2016. Before cancelling the card, I called Amex customer support and explicitly asked whether cancelling my account would result in the loss of the XXXX Points. The agent explicitly assured me that they would not, especially because I have other Amex card accounts open. Relying upon these statements, I decided to cancel the card. 

On XXXX XXXX, 2016, Amex arbitrarily and fraudulently removed XXXX Points from my account. There was no rationale provided to me. I called support to inquire and was told that this was a " corporate decision '' relating to my cancellation of the card which could not be overturned. 

The removal of the XXXX Points was fraudulent. There were no stipulations in my original agreement regarding revocation of Points in this situation. Additionally, the Amex representative explicitly promised that my Points would not be revoked upon cancellation and Amex should be bound by the promises made by its agent. 

If Amex is allowed to take away Points arbitrarily in cases like this, what is stopping them from taking away all of my Points or arbitrarily adding charges to my bill? Thanks for your help in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
On or about XXXX XXXX, 2016, our offices submitted a written request for Verification of Debt and Pay-Off Demand to XXXX XXXX XXXX XXXX, who is listed on the Recorded Creditor Judgement as the Plaintiff counsel for Asset Acceptance. On XXXX, 2016, we called the firm for status and left a voicemail ; no response.On XXXX XXXX, 2016, we called The XXXX Law Firm and spoke to XXXX XXXX who stated the account was closed for their efforts and they needed to contact Asset Acceptance for permission to collect or further instructions. On XXXX XXXX, 2016, we called back into The XXXX XXXX Firm for status ; no one was available so our offices left a detailed message for status and call back. Minutes later, XXXX from The XXXX XXXX firm called back with an update that our offices are to contact Asset Acceptance directly at XXXX. That same day, we called into Asset Acceptance and faxed over our third party authorization. On XXXX XXXX, 2016, our offices spoke to Asset Acceptance Rep XXXX who indicated the law firm, The XXXX Law Firm, has the assigned duty to collect and negotiate the debt. She indicated the response to our Verification and demand will have to be managed by the law firm and not their offices.On or about XXXX XXXX, 2016, our offices submitted a SECOND REQUEST for Verification of Debt and Pay-Off Demand. We called back into the The XXXX Law firm and left a detailed message for the Rep XXXX XXXX regarding Asset Acceptance stating their offices must handle. Received a return call from Rep XXXX XXXX and once more he referred this office back to Asset Acceptance. Advised him this office would not continue to be " ping-ponged '' back and forth by their office and Asset Acceptance as both have been put on constructive notice to produce the Verification of Debt and the Pay-Off Demand, it has been more than 30 days and neither parties have responded in writing and neither party has, amongst themselves, resolved the issue of handling the collection and/or negotiation of the debt. Our offices called back into The XXXX Law Firm again this morning ; no response or updates provided.

Company response to consumer: Closed with explanation