vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-08 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: FL

Complaint narrative:
I have responded XXXX to their demand letters asking for validation of debt. They have not provided it and continue to delay by asking for more information from me. I have provide their account number and my name to them, and that has not been enough for them to validated the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I am a XXXX year old XXXX who lives alone. I have XXXX debt and an XXXX credit score. For almost XXXX years I have been receiving countless robo calls from TransWorld Systems , Inc . It identifies itself as a debt collection company and that the purpose of the call is to attempt to collect a debt. My telephone caller ID always shows the company name as " unavailable ''. I never answer these calls. I also have never received anything in writing about any alleged debt. When I google this company, I see many other complaints about its tactics and ethics.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-18 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I am on social security and they threaten me with garnishment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-31 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
American Express are liars and extremly rude. They think they are above all credit cards. I have been trying to work out a deal for months and they refuse to make this horrible situation any easier for their customers. They hang up on you if you get upset or angry and they continue to raise your interest if you dont make a payment. Yet they wont work out a deal until you miss XXXX payments. Then the minium payment goes up and they report to credit services and destroy your credit. They give you the wrong advice for how to handle your finances and not to mention the hold times for even reaching a customer service rep. If you have any debt with american express do everything you can to close your card or you wont ever be able to fix your credit score. They will do everything they can to charge you fees and insane intrest rates. Worst company ever! Wasted so much time and energy. Every rep tells you something different and they are all just liars.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15 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: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
TRANSWORLD SYSTEMS, Debt collector continues to call multiple times daily, 3 weeks after debt was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Armor Systems Corporation
State: IL

Complaint narrative:
In early XXXX I had contacted XXXX in regards to a Medical bill on my credit XXXX. I had talked to a lady in the billing department and she informed the details and what insurance did not cover. Said that I had to make the payment of ( I can not recall the exact figure ) which would have been the discounted rate if I had orginally paid it shortly after the er visit. She said she would let the Collection Agency now but I would have to pay it directly through them as it was in their possession. I had requested with the lady XXXX that the negative mark be removed by the agency and she said that would be no problem as long as the account was paid. I call and spoke with Armor Systems and made the arrangments I asked the collector that it be removed once paid and was told " Yeah Sure '' I asked for it be placed in writing and was informed that it could not be placed in writing but would be removed from all the collection bearus that it had been reported to ... A couple months later when it still was not removed after it had been paid I once again reached out to Armor as the reported it paid but did not remove the negative mark. I was told then they would not so I took it up with the CB and still they did not remove it. I call XXXX/XXXX/XXXX was transfered to a woman in the credit department who after a couple mins answered and she did not even ask for my information and had obviously pulled my info off call id. Said that they would only marked as paid asked me hold and after XXXX mins of silence the phone was hung up on their end. I called back from a different number and asked if I could have the name of the female who is in the credit department they said they could only transfer me and after XXXX mins longer the same woman picked up and once I told her my name she placed me on hold for another XXXX mins and once again the line was disconnected on Armor 's end.

Company response to consumer: Closed
Consumer complaint received 2015-11-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: FM

Complaint narrative:
This mortgage company is the Absolute WORST company that I have ever dealth with!!! I have been going back & forth with them for 3 months regarding my Hazard Insurance on my account. I have had Hazard Ins on my account from Day one XXXX. I have supplied this information to OCWEN every year and it was NEVER an issue. OCWEN changed the requirement and I was NEVER informed. They stated that they sent a letter to me XX/XX/XXXX.I HAVE NEVER RECEIVED that until One week ago when it was emailed to me from the Executive team that I placed a complaint to. Please note that I spoke to a OCWEN representative XX/XX/XXXX and they advised that the letter was sent to another address ( NOT my address ) & they then changed my address in the account. I was Advised XX/XX/XXXX that I am now required to have Hazard Ins on " my indwelling '' of my property. I purchased the additional Ins XX/XX/XXXX when I was advised of the change and provided the Ins proof to OCWEN.This complaint is simply that OCWEN placed Hazard Ins for my Indwelling on my account and Escrowed it into my Mortgage XX/XX/XXXX and I was NOT advised or informed of this. I purchased the Ins when I was advised and WILL NOT pay for something XX/XX/XXXX When they did NOT inform me of it. XXXX managers from OCWEN advised that they were going to look into this matter and get the Placed Insurance credited and I have not had ANY resolution to this issue. I have Names & Dates of the XXXX times that I spoken to this customer to get this issue resolved and it is still Not resolved. PLEASE HELP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-22 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: Flagstar Bank, National Association
State: FL

Complaint narrative:
I have a money market account with an online bank called AmTrust Direct ( part of New York Community Bank ), and I would like to close it. I wrote the bank XX/XX/XXXX asking them to close the account and send me the balance. I have heard nothing. I called them on XX/XX/2015 and spoke to someone named XXXX who said he could see that the bank had received my letter on XX/XX/2015, but the account had not been closed. He said he entered a request into their system to the online banking department to determine the status of my account closure request. He took my mobile phone number and said the online banking department would call me. I have heard nothing further from the bank and have not received a check for the balance of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Santander Consumer USA Holdings Inc.
State: MN

Complaint narrative:
Company ordered a local minnesota repossession agent to repo my car on a debt that was n't valid. The debt evidence/word that original creditor Chrysler Capital provided was n't a valid claim. The car was taken from my family 's drive way between the hours of XXXX on XXXX XXXX, 2015. Called the local police to report it stolen was then informed it was repossessed. Local cop called the company listed on his report and they gave him the number for where the order came from and told him I would have to call the XXXX company XXXX XXXX XXXX for more information. I called the company and asked for documentation and was told they did n't need to provide me any documents and to call the original creditor who wrote the debt off and closed all accounts I had with them. My car was taken without my consent and as of XX/XX/2015 is still at the XXXX XXXX XXXX lot in MN. With no listed Lien Holder, no debt owed, I 'm the owner of the car. No Contract and / or debt with XXXX XXXX XXXX or XXXX XXXXXXXX company XXXX XXXX XXXX XXXX XXXX refuses to release the car until they get permission from original creditor. Notices were faxed to Original Creditor, XXXX XXXX XXXX XXXX, and the third party company ; XXXX XXXX XX/XX/2015 and XX/XX/2015. Notarized copy by certified mail shortly after. No responses as of today XX/XX/2015. The car has still not been returned to me. 

Original complaint numbers XXXX and XXXX

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

Complaint narrative:
In XXXX 2014 I needed to replace my old vehicle. I regretfully purchased one from a dealership which led me to believe that due to my credit situation the financing deal that they got me was the best that can be done. They informed me to revisit them in 8-10 months to refinance. The cost of the vehicle was {$9500.00} at an interest rate over 20 %. Nonetheless, I signed the contract and for over a year and a half, the balance barely declined. I did go back to the dealership after 10 months as well as tried to refinance on my own only to be told that I was upside down. The {$9500.00} vehicle was only worth about {$2000.00}. No one would give me a loan. I was doomed. I feel as though 20 % was outrageous and bordering illegal. I even reached out to the bank on a few occasions requesting that they lower the rate or refinance and they informed me that was n't an option. I struggled and suffered tremendously until I got a break this year and traded in the vehicle for a lease. Of course I still had to roll in the balance owed on the vehicle but I am no longer subjected to an inflated interest rate. I 've never felt so foolish.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-28 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
I have been called by Chrysler Capital XXXX or XXXX times over the past 2 months saying that my lease payment is late. Then, they look at my file and realize that they have called me in error ( I have automatic payment set up and have never paid late ). Each representative that I talk with says that they will fix their system and stop calling me. I 'm being harassed and I 'm worried that their accounting problems are going to impact my credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Synovus Bank
State: FL

Complaint narrative:
Debt collection agency Told me my name and last XXXX of my social security. I did not have to verify anything I just stated yes it is my social security number. This is a blatent release of my sensitive information and I would like action taken if possible. 

XXXX - Manager XXXX XXXXaddress XXXX XXXX XXXX. 
XXXX, Alabama XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
Truck loan through Santander ... Truck should have been paied of they came and took the tuck and sent us a letter stating that the truck auctioned off for XXXX $ and we were responsible for the rest I have asked for a copy of the sales receipt and they have refused to provide me with one ... ... so they really sols a XXXX Fully loaded jeep commander for XXXX XXXX ..I do n't think so

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
Santander Bank has a collections account listed on my credit report for the past 3.5 years. I have been trying to get this off of my report for a along time. I have sent a police report and a FTC Affidavit to them on several occasions and they have never responded to any of them. I called an emailed and called and emailed and absolutely nothing. This account is fraudulent and needs to be removed from my credit report and this is n't fair to me to continue to have to go through this. I have been fighting this for over 3 years and it needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: MI

Complaint narrative:
I originally financed my vehicle through Santander in XXXX. In XXXX I refinanced this vehicle through XXXX. 6 months after Santander accepted the payoff from XXXX they sent me a bill for {$450.00} saying that I still owed them a payment. I refused to pay because they released the lien and accepted the payoff and now it 's on my credit report looking like a repossession and is preventing me from getting a decent interest rate on a new loan. The vehicle has been completely paid off for 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: SUN LOAN COMPANY INC.
State: NV

Complaint narrative:
I ask the sun loan to stop posting late notice on my fence so my neibors would no know issue. I advised them XXXX of my neibor had read XXXX of the notice. I would work on repaying them as soon I got another job. and also as how to stop the interest from going up more. Also stop calling my familey and adviceing them of my money issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Benuck & Rainey, Inc.
State: MA

Complaint narrative:
Mine phone number is not the phone number that the collection agency has to call another person

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
I got a car loan with Santander on XX/XX/2016 and my first bill had come in two days before it was due! The other options for me to paying so it was n't late was by phone or the site itself, the catch is that they 'd charge you a XXXX dollar fee just to get it paid. Second month comes around and I receive no bill and the due date is coming up on XX/XX/XXXX. XX/XX/XXXX comes around and I receive a bill that had stated that it was sent out 16 days ago " hence that 's longer then two weeks '' XX/XX/XXXX. My second payment was in a form of a check sent out on that day " XX/XX/XXXX ''. It is now XX/XX/XXXX and my bill has not been paid!!! Calling costumer service that 's listed on the back of the statement is telling me there 's a XXXX party that 's involved with the statements and when i ask for there information so i can fix the problems the supervisor ( XXXX, badge # XXXX ) tells me she ca n't " disclose '' that information!!!! 
I have bank accounts with many other providers that have n't even given me the smallest of problems. All I want to do is pay my bill on time every month with out any problems. 

Any help you can give me would be grateful my email is XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: IA

Complaint narrative:
Santander Consumer XXXX has had my information for a warranty refund for over 2 months and even gave me the amount of refund on my cars warranty left that I traded. 
XXXX they even know the amount I 'm suppose to get which {$1000.00} and I was told XXXX weeks ago + that I would get the refund in 7-10 days. Now they are saying 8-10 weeks. This is unacceptable. Their customer service is very poor. I should not take over 2 months for me to get my refund when they got all the information from the car dealer that sold the vehicle to me over 3 months ago. I will never finance a vehicle through them ever again again.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
Auto loan was paid on time until XXXX 2014 at which time I was incarcerated. Upon my release, I contacted the company to make pant araingments to make the loan current. I was given an amount of the past due balance and I had attempted to make good on the balance. I had continued to make payments and then the company repossessed the vehicle with no warning-even after payments were current. I contacted the company the following day and was given a payment amount to pay the loan to what they claimed to be current. I paid the requested amount to retain the truck from the tow company. Since that time I have continued to make on time payments. I recently applied for a mortgage and upon review of my credit report, I noticed that the loan has been incorrectly reported as a " charge off '' since XXXX 2014. I was never told by the company that the loan was charged off and that my payments would not be reported correctly on my credit report. I have since then contacted them sever times, with no explanation for the false reporting. I am now over {$2000.00} in deduct for false afield fees and such that no one is able to explain. I was told by the company to either continue to make unreported payments and deal with the reporting of a charge off on my credit report or hire an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Santander Consumer USA Holdings Inc.
State: AZ

Complaint narrative:
Chrysler Capital with collaboration with XXXX XXXX XXXX of XXXX XXXX and XXXX had processed auto-financing documents in a knowingly false manner. I am a service member of the United States XXXX XXXX and what they did was unethical, immoral, and illegal. I was presented my financial agreements in a false manner. Down payment information and trade in value were improperly valued.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Santander Consumer USA, XXXX Texas gave me a loan to purchase a car.. With this I am grateful. Because it was a very high interest loan with a daily simple interest rate which is calulated daily. After speaking to my account, he advised me I would save allot of money if I would to pay off my loan early buy paying it weekly. XXXX advise me to send my payments to a XXXX XXXX in XXXX Texas, which is the USPS XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas ( this post office is open XXXX hours per day XXXX Now I live in the XXXX which takes one day or the same day to get mail to Santander Consumer USA XXXX Texas. I have called the company requesting that my payments are posted the day it is received in their XXXX this company has refused. I have been told on a recorded line that they use a 3rd Party to pick up the mail, and the 3rd Party does not Pick up the mail everyday. As a customer this means to me, the XXXX XXXX we must use has staying power for this company to post my payment as they see fit. This information has also been verified with the USPS XXXX must signed for all the mail pickup and they do not pick up everday. Santander/XXXX add addititional daily interest even after they know they have and willingly deceiving me. When I called the complaint department ( the office of the president ) I 'm told nothing by this department, what I want is the Santander Consumer USAXXXX to go back and give credit for the times they delayed my payments to collect additional interested. This company also said they do not work on Saturdays and no payments are posted. One of my payments were posted on a Saturday which had been at the post office prior to Saturday, and they would not change it. 
On XX/XX/XXXX SantanderXXXX received my payment. I was given credit for the XXXX because the company picked it up on the XXXX of XX/XX/XXXX this is just a few examples. I would like my bill corrected and the daily interest corrected. Now because they have proven to me that they do work on Saturday, all my electronic payments sent on Friday should be posted for Saturday. It is from the time they received my payments, not when This company picks up my payments and post them. I do have proof from the Post office and even my bank showing when my payments are sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
I filed bankruptcy in XX/XX/XXXX ; my car loan through Santander from XX/XX/XXXX was included in the bankruptcy. The debts were consolidated, and I applied for a car loan again through Santander to begin working on my credit. We successfully discharged our bankruptcy XX/XX/XXXX ; however, Santander locked me out of my online account for my NEW car loan, and stopped sending me bills. The only way I can pay is to call them ; this good credit also does NOT appear on my credit report at all. I 've called three times, and my bankruptcy law firm has called once, but the company says it is up to them whether to send information to credit agencies or not. I think they are confused as to which account I am referencing. I am not sure what to do ; I am currently sending a certified letter, but other than that I do not know what to do. I wanted this loan to help my credit. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation