vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
My complaint is against a finance company called Santandar Consumer US. This company has placed a 30 day deliquency mark on my credit file in error and refuses to remove it. XX/XX/XXXX I was unable to make my monthly car payment so I rolled it over to the next month. My payment was made on the due date of the following month to ensure it would not be 30 days behind. XX/XX/XXXX my spouse and I decided to purchase our first home. When our credit was pulled there were no deliquencies reported and everything was great. About 3 weeks before settling on our new home ( XX/XX/XXXX ), our mortgage company informs us that Santandar reported us 30 days deliquent XX/XX/XXXX. When I called Santandar to resolve the issue they informed me that my payment was 30 days late even though I made the payment on the 30th day to bring the account current. I can not understand how the account could be late when it was made current on the 30th day. I ask them to provide me a copy of the original agreement with them explaining how payments are applied and when accounts are reported to the credit bureau. The representative informed me they did not have that paperwork since they purchased my loan through XXXX. They said it is not their policy to send that information to consumers when they are converted from another bank. I asked to speak with the credit reporting dispute department on this same day. I spoke with a manager named XXXX who informed me that there was no record of Santandar reporting to the credit bureaus since XX/XX/XXXX. I asked XXXX for a letter or some type of documentation confirming what she said. She said Santandar did not have any letter like that to send to consumers. This company is fraudulently reporting information to my credit bureau. As a result my family is in jeopardy of losing our home. They reported the deliquency 60 days late and now refuses to work to resolve the issue. I have asked several times for a copy of my contract with them explaining how payments are posted and their policy on credit bureau reporting, but they refuse to provide me that information. All I want is for the mark to be removed and a copy of the contract with Santandar!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-01 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Grant & Weber
State: CA

Complaint narrative:
I have repeatedly asked them not to call me at my parents house and they have continued to call me there. Two weeks ago my sister gave me a message that they called and wanted me to call them back. When I called I made it very clear that I have previously requested twice to have that number removed from their system and that it was not a good number to reach me at and that it causes me a lot of problems and my parents do n't need to be bothered by my personal business. I was assured that they would delete the number and that it would n't happen again. The following week at XXXX in the morning they called again. I told them I was going to file a complaint against them. They said that I still owe the bill.

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 2016-10-31 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: Financial Accounts Service Team Inc.
State: TN

Complaint narrative:
This has been reported as a " returned check ''. The returned check was over {$200.00}. I visited the store with cash in hand and picked up the check. They said that there was an additional charge for the the returned check. I told them I did not have that and they said they would take care of it. In my mind that meant it would be waived.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: WINN LAW GROUP, APC
State: CA

Complaint narrative:
XXXX XXXX contacted me regarding a charged off XXXX. I advised the collector that I did not believe the debt was collectible because it was already charged off. I requested debt validation via phone, fax, and mail. I never received anything and they stopped contacting me. They then obtained a default judgement. I was never served. They never validated the debt. My paycheck was garnished and when I contacted my employer I was notified that my paycheck would garnished for 25 % until the debt to Winn Law Group is paid. I contacted XXXX XXXX at Winn Law Group and she said I owed {$1700.00} as of XXXX XXXX, 2015 and interest was still accruing. I asked her to validate the debt and she advised me it was from a XXXX XXXX collection on an XXXX account ending in XXXX. I advised her that XXXX XXXX never validated the debt and demanded that Winn Law Group validate the debt, in writing, and asked how they received a garnishment order without a court order. She said it was public record. I asked her to forward me a copy of the judgement. She declined. I have medical issues that are exacerbated by stress and I just wanted to be done with this nightmare. I offered {$1000.00} but she declined and countered with {$1200.00}. ( The most I have ever owed XXXX was {$630.00}. ) I agreed and offered to pay with a debit card. She refused and said she HAD to have my checking account routing and account number in order to make the agreement. Against my better judgement, I contacted my bank for the routing number and discovered {$820.00} had already been garnished from my paycheck. I called XXXX back and asked her to draft a written agreement that the account would be paid in full once the remaining {$430.00} was paid. She refused, saying that the amount garnished does not affect the {$1200.00} settlement amount. I refused to give her the checking information and she said they would continue with the garnishment. To date, my wages are being garnished, the debt has not been validated, the actual amount owed is unknown, I 'm not even sure it is my account, and I do n't know how they got a judgement without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
I reached out to the creditor and upon speaking with a representative whom provided his first name as " XXXX '' stated that there was n't much that he could do about the inquiries except what I am already trying to do myself and thats reach out to the dealership 's via phone. At this point the dealership is saying that since that since they are the ones ' who ran the credit, than they ( Santander ) are the only ones ' who may have the inquiries removed. 
Providing that they never had proof/written authorization via credit application following a valid state issued ID. I ask that these inquiries be investigated since I have already stated that my current state is a victim of fraud and identity theft. It has been made very clear that someone is and has been trying to obtain an auto loan. The excessiveness of credit being ran is point one of many. Credit does n't change much in a day or XXXX as agencies report every XXXX days raising a flag in most cases. That concludes my response and now it is my intent to resolve the matter with all options within my legal rights. Thank you for your time and attention regarding that matter as it is very sensitive.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
I filed bankruptcy because I have XXXX and could not work anymore to afford the payments. I surrendered the vehicle and I was told that it would come off my credit. They told me that it would be removed and it has not.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I have been paying {$540.00} a month for a car XXXX XXXX XXXX 2014 my Apr is 18.10 % for 72 month for over two years since I bought the car. Something wrong with the calculation. From my under standing 18.10 Apr is way lower from what I remember. Cash down payment is {$4000.00} plus rebate {$2000.00} monthly is {$440.00} not {$540.00}. Please help. I also demand a copy of all documents I mean all even a receipt of my down payment they have nothing to give me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
I financed a car from Santander XXXX : XX/XX/XXXX Chevy Cobalt in XX/XX/XXXX for $ XXXX 19 %. I currently owe $ XXXX two years later. XXXX late payment. The car is worth {$4000.00} can not trade in too much negative equity. I have request an adjustment in loan and they said no.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc.
State: OK

Complaint narrative:
On XXXX XXXX 2015 I received a settlement offer letter from Santander USA in regards to my car loan debt. I reached a settlement offer and they emailed me a settlement letter to be paid by XXXX XXXX. I called them on XXXX XXXX, 2015 and paid the full settlement offer with my debit card and it cleared my bank. Then on XXXX XXXX, 2015 I received another email from Santander USA acknowledging that my settlement was paid in full and they would be reporting to the credit bureaus. By XXXX XXXX, 2015 my credit report was hit by Santandar USA showing the my debt was " Closed '' and " Paid ''. On XXXX XXXX, 2015 I received a phone call from a third party debt collector named XXXX XXXX XXXX stating that Santandar USA sold my debt to them and they were trying to collect my old settled out account. XXXX XXXX XXXX did not show I had made any payment. I forwarded on my settlement offer and paid in full letter I received from SantanderUSA to prove that I had in fact paid and settled out that account a month before they even sold it off. I then called Santander USA to clear this up. The rep with SantanderUSA did show on my account it had been paid and closed in full and they do n't know what happened and why it got sold after the fact. They said they would get it taken care of. Then today, XXXX XXXX, 2015 XXXX XXXX XXXX calls me back trying to collect the debt once again. I explain my situation again and they then acknowledge they received my emailed letters showing I made a payment and that they did try to reach out to Santander USA about my account and they still had not heard back from SantanderUSA. I then called SantanderUSA again on XXXX XXXX, 2015 to double check on my account status and to let them know I am still getting calls from their third party company they sold my account to. They advised me again that they were going to get this taken care of and would reach out to the third party collector in regards to my account. They again verified that yes my account was settled and paid in full and this XXXX XXXX collector should not be trying to collect from me. I am filling out this complaint because after going through all the legal and proper steps to reach a settlement, pay off settlement, and my credit report being hit for closed and paid status shows how SantandarUSA has not abided under the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
In XX/XX/XXXX the circumstances at the time, I had to trade cars. The dealer got my loan with Santander. the payments and interest were high but at do the time I could not do anything else. I have paid my payments but most of the money is going to interest. My son co-signed for me, but in XX/XX/XXXX, he had to file bankruptsy Somehow my car was in the middle of this and was told more than one thing. at first I was told my care was included, then it was n't, but Santander would not tell me anything about my loan, did not get statements, etc. I was to just make my payments to them. XX/XX/XXXX I made over {$2000.00} to get the payments caught up from where I was told I my care was part in bankruptsy. Santander took {$130.00} {$1300.00}. for interest. Now I just got a letter saying I need {$3400.00}. or they will get my car. I asked for a printout of my account, which they did not want to do, but finally did. That is when I saw that I owe more now than I I did a year ago. I do n't have {$3400.00} to give them by XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
This is an issue with Santander Consumer ( auto lender ) who is constantly reporting a negative balance of XXXX that has been charged off. I 've paid the full principle balance of the loan. There was a dispute concerning late fee, but Santander never provided any documentation justifying any fee 's

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: KY

Complaint narrative:
I purchased a XXXX XXXX XXXX and finaced it through XXXX XX/XX/2015 and my mother co signed with me. Since that date they have never reported it on my credit report. My mother filed backruptcy this year. I called them to ask why they have not reported it on my credit because i have paid it on time since day one. They told me they were not going to report it on my credit because my mother filed bankruptcy saying they do n't have to now. My credit was checked to get the loan. It is my right for it to be on my credit, especially since I pay per the contract agreement. They said also they are not going to send me statements or pay vouchers. This is not ethical because if i did n't pay per the contract agreement they would without a doubt report it on my credit if I did n't pay per the contract agreement. Please help me???

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Benuck & Rainey, Inc.
State: NH

Complaint narrative:
Apparently I have a name that 's easy to search and find mailing address and phone number. Consequently I receive dunning phone calls and letters demanding payment of debts that are not mine. NEVER mine. It seems to me the callers could take XXXX more minute on the internet and confirm I 'm not the person they 're looking for. I 'm absolutely sick of these calls and letters and can not find any way to stop them. I suggest a regulation that mandates some level of validation before these collection agencies take the easy way and just call or write everyone, hoping to get a response from the XXXX they 're really after.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
After being unemployed for the past 2 years, I need to get my credit to good standing. I called Santander to remove their credit entry from my credit report. The rep told me that they ca n't. The balance on the account is {$0.00} and there is nothing I can do to bring the account current. There is no reason for this entry to be on my report. I feel that this is harrassment and an abuse of company power. Since there is nothing more I can do with this account, it should be deleted from my report. 
What would you like the business to do to settle your complaint? 
Delete the negative entry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
It has been brought to my attention by way of my credit reports ( XXXX, XXXX, XXXX ) that an alleged amount is owed on a debt to XXXX XXXX XXXX and Santander Consumer USA .... 
Per my credit reports ( XXXX, XXXX, XXXX ), Santander Consumer USA closed and charged off this account XX/XX/XXXX then showing a payment of {$62.00} was made XX/XX/XXXX. 
Understanding the credit report says closed and charged off XX/XX/XXXX, so how could a payment of {$62.00} be made XX/XX/XXXX to Santander Consumer USA? 
I am filing a complaint for this inaccurate information being reported on all XXXX of my credit reports that is affecting my creditworthiness, according to Fair Credit Reporting Act, 15 U.S.C. 1681 consumer files are to be promoted with accuracy and fairness. Therefore, please delete the entire account from all XXXX credit reports ( XXXX, XXXX, XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I had an auto loan as a co borrower with Santander Consumer USA for a XXXX XXXX Infinity M37x I had made about 1 year worth of payments as I was driving this car from XX/XX/XXXX-XX/XX/XXXX. XX/XX/XXXX I informed Santader that I no longer wished to own this veichle and that I would like to surender the car. Santander informed me that I was unable to surrender the vehicle because at the time I was up to date on my payments and that I had to be at least 90 days " past due '' before they would reposses the vehicle. I explained to Santander that I did not want the late payment information on my credit nor did I want to continue to insure the vehicle for this period. Santander informed me that they would not accept my surrender. I then had the vehicle towed to XXXX XXXX located at XXXX XXXX XXXX in XXXX XXXX, XXXX ( XXXX ) XXXX and informed Santander of the location of the vehicle and that they would need to retrieve it from there. 

Under XXXX law a transfer of a vehicle title may only occur if the primary lien on the title is satisfied. Santander supplied a lien release letter to whom ever sold this vehicle my attached documentation shows that this title has been tranfered to XXXX XXXX leasing and finance in XXXX, XXXX. Santander continues to report my balance with interest and penalties as if this sale never took place to all three credit bureaus. Santander takes no collection activity on this account. Subsequent to the sale of this vehicle as well as currently, I have contacted Santader to try and resolve this if any additional money is owed but they refuse saying they never sold the vehicle which is false. Santander is committing fraud by reporting innacurate information on my credit reports. Further more they are trying to receive money from me in the amount of approximately {$29000.00}. Santander should have sold this vehicle for approximately {$27000.00}. Santader has charged me unfair interest and penalties which would account for the other {$2000.00}. 

As a resolution I want this item deleted from all three of my credit reports. I also want the erroneous interest and fees returned to me. I would also like action to be taken by the government to ensure that these unfair practices do not continue. Santander has done everything in their power to punish me for not wanting a car. The car was in excellent condition and a much simpler resolution could have occurred. They are unprofessional and predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Santander Consumer and I came to an agreement in XX/XX/XXXX to have my XXXX and XXXX payments deferred to the end of my loan. They failed to follow the set agreement. Then on XX/XX/XXXX Santander had my vehicle repossessed even though payment was not due until XX/XX/XXXX. The company that Santander hired to repossess the vehicle did not let me take possession of personal property that was in the vehicle as well. They refuse to provide me with documents or notice of intent to repossess my vehicle at address that was listed on file which starts the repossession process in Texas. Then they failed to provide me with a notice of intent to sell. No notice was sent to my place of residence on file nor did they call to inform me of intent to repossess/sell. Santander sold the vehicle without me having a chance to retrieve personal items or make arrangements to gain the vehicle back. Santander sold the vehicle and then left me with negative remarks and reporting to credit bureaus. There actions have did irreparable harm and damage. They still have refuse to provide info on intent to repossess and intent to sell from XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: College Loan Corporation
State: OH

Complaint narrative:
XX/XX/XXXX my student loans entered repayment. I received statements for payment from all of my student loan holders except for one : College Loan Corporation. I never received one statement from them. All of my other student loans were paid as agreed. Eventually I contacted that company because I decided to consolidate my loans to make repayment easier. At that point I was advised my account was in default. I was awed because I received NOTHING from them. The loan was paid off almost immediately, XX/XX/XXXX. Now I have a delinquency on my credit report which I is unfair. Me not receiving the statements ever was extremely deceptive and predatory. The loan has been satisfied for five years with any applicable fees covered.All I ask at this time is for my good name to be restored and my credit repaired due the College Loan Corporation 's error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed