vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-31 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Santander Consumer USA Holdings Inc.
State: MI

Complaint narrative:
Received a phone call from XXXX at my place of employment on apprx. XXXX/XXXX/2017, and it began just like this ... ..I answered the phone, the woman ( XXXX ) on the phone stated that she is calling to inform me that she is seizing my home and current vehicles for a debt that is said I owed. She further proceeded to ask for my bank routing and account information and credit card information to prevent her " field agents '' she has in the field from coming to my place of employment to arrest me and seize my property and banking accounts, or they 'll be waiting for me outside of my workplace to collect. 

I asked who was she and where is she calling from. XXXX stated that she is calling from XXXX and it 's the XXXX XXXX XXXX XXXX and she needs the money Now!. I asked that they not call my place of employment and gave another number to contact me. XXXX called that number and I asked for a " Letter of Validation '' be mailed to me to view said debt. XXXX stated that they do not mail letters and the only way to get one is through email. To date no letter has been received. 

On XXXX/XXXX/2017, I received another call at work from the collection agency using false pretenses. A gentleman caller said he was looking for me to repair a printer at my employer and needed to speak to ... ... ( myself ) to confirm repair. ( I work for a gov't entity and there is no need to contact me ). I asked for a name and phone number and he proceeded to say XXXX than he disconnected. 

*I 've asked that this company not to call my employer ; but continue to do so. 
* This company did not disclose communication that it was an attempt to collect a debt nor did they say the call was recorded or etc. 
*This company did not do any verifying of person they were trying to reach. 
* This company continues to harass me and use scare tactics and falsely claim to be other individuals or companies. 

I 'm scared out of my wits and the harassment and scare tactics are causing me undue XXXX.

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

Complaint narrative:
Santander auto car loan Has been the biggest rip off I hav ever come across I 've been monitoring my credit making on time payments an then I noticed that not one payment not XXXX Dollar not XXXX cent I have payed has gone to the principle of the loan. My principle have stayed the same the whole time I was paying the car note currently researching legal representation

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

Complaint narrative:
Hello, I engaged in a vehicle lease through Chrysler Capital XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX in XXXX of XXXX in the State XXXX. In XXXX of XXXX, I moved to IL and properly registered my vehicle through XXXX. As part of the registration process you must file XXXX tax form. This form/filing is the means to assess any sales/use tax due to the State XXXX when moving from out of state. I filed the form, and paid tax due to XXXX in the amount of {$790.00} ( documentation/payment rationale attached ). 

A few months later, I received a debt collection call from Chrysler Capital stating that I owed them {$1600.00} plus fees totaling {$2200.00}. After many calls ( and over many months ) with them, and the state XXXX, it was determined that I properly paid my taxes and that the State improperly billed Chrysler Capital. Chrysler Capital does not assign a single representative to the handle the matter, so every time we speak we start from scratch. Since Chrysler Capital is the owner of the vehicle, they simply assumed tax was due and they made the payment. They are unwilling to work with the state XXXX to obtain the proper credit/reconciliation for the over payment they made to the state, and rather simply assert that it 's not their problem - they paid the state so i need to pay them. I have confirmed with the state that since i do n't own the vehicle, there is nothing further i can do to resolve the issue considering i provided proper documentation of adequate and proper payment. The state needs to credit Chrysler Capital, but Chrysler Capital will take no action to obtain the credit, and there is nothing I can do to obtain it for them since I did not make their payment, I was never billed, and I do n't own the vehicle. 

Chrysler Capital has been unreasonable, and unwilling to take proper steps to resolve the matter, which results in an outstanding balance due on my account to them for the {$2200.00}. I have done everything i can to try to resolve, but at this point i do n't know where else i can turn for help and am hoping the CFPB will step in to help me do what is right with this issue. 

If further information is needed from me, I am happy to provide any details to bring this to final resolution. 

Thank you, XXXX

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

Complaint narrative:
I received a loan from Drive Financial in the amount of {$15000.00} in 2008. The loan was secured through a XXXX dealership. Santander purchased the loan. As of today, I have paid over {$33000.00} on the loan and still owe {$9100.00}. How is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: CT

Complaint narrative:
I am writing for my aunt, XXXX XXXX XXXX. She was given a loan from XXXX XXXX back on XXXX/XXXX/2014 for a new XXXX XXXX. She already owned a XXXX vehicle that was approximately 4 years old, which she had paid cash for upon purchase. She continued having it serviced at the dealership in XXXX XXXX, CT. When she went in for a " tune up '' she was told it would cost {$500.00} but if she wanted to get a new vehicle they would void the charge to get her in a new car. My aunt being elderly and possibly has XXXX to some degree was told that he current vehicle was going to start having problems and it was no longer under warrantee and that purchasing a new vehicle would be her best bet. 
We are not sure how this purchase was approved as she only had income of {$630.00} from XXXX with no other assets besides her home. At the time of sale she was also convinced to purchase " resist all '' for {$690.00}, which must be a rust guard of some sort. It appears that this elderly woman was part of some predatory lending. Her monthly payment was {$270.00} up until she lost her home and had to relinquish her vehicle since she has no funds to pay for it. Why was this loan granted? Should n't she have needed a co-signer? The monthly payment is almost half of her XXXX, how was this approved? XXXX XXXX is not very kind in this matter. - they also want her to pay a re-stocking fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: On-Site Manager, Inc.
State: CA

Complaint narrative:
XXXX at XXXX XXXX apartment complex filed for eviction, placed the account for collection and filed a judgment against me in XX/XX/XXXX. In XX/XX/XXXX, I appeared in court to answer the charges and the case was dismissed with prejudice in my favor. Although the collection agency and credit bureaus honored the dismissal order and removed the collection account from all XXXX bureaus, unfortunately this case is still part of public record ; consequently, the rental application I submitted to XXXX XXXX XXXX in XXXX XXXX, CA 3 days ago was denied based on that public record. I then contacted 'On Site ' who does the credit and background investigations for XXXX XXXX and submitted the dismissal order as requested, but they are saying they can not update their report for this application or future ones because the case number on the public record does not match or appear on the dismissal order, however, all other identifying information is identical. I then contacted XXXX XXXX and was told to contact XXXX XXXX to have the item deleted, however, XXXX XXXX stated this item does not appear on their records, therefore, they can not assist with this matter either. It seems the only record of this is the case is the public record filing and everyone is saying it is not their responsibility to correct it. The debt was invalid from start which is why the case was dismissed with prejudice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Hosto & Buchan, PLLC
State: TN

Complaint narrative:
my husbands XXXX due to XXXX, and XXXX, he will not be able to work anymore, XXXX took over a credit debt back in 2008 and we went to court and XXXX told us not to worry about it because my huband id XXXX a cant work anymore I take care of my husband, XXXX hasput a judgement against my husband and this law firm hosto & buchan hired by XXXX has told us they will not drop the matter, we have to move now. out of a home weve rented for 17 years and we cant rent another place to live with this judgement on my husbands credit report, we would really appericate any help in this matter. Thankyou And God Bless Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24 00:00:00
Product: Bank account or service — Cashing a check without an account
Issue: Making/receiving payments, sending money — 
Company: Synovus Bank
State: CT

Complaint narrative:
I have run into a problem with Synovus BankXXXX on XXXX Florida, XXXX, regarding an illegally honored check. I am a representative XXXX. It came to my attention that a payment we were supposed to get by the XXXX Insurance company never came, and upon further review discovered that this check was already honored and asked the XXXX records department for a copy of the cleared check, in which they provided. This check had BOTH the names of our client, XXXX XXXX, AND XXXX, on the Pay to the Order section. This check should have only been honored by Synovus if XXXX the proper endorsements were on the back of this check. We NEVER signed the back with our endorsement, when the majority of the check was supposed to be ours, yet it was still honored, and now we are out over {$8000.00}. If the check has XXXX names on it, it requires XXXX endorsements. This was not done. After calling Synovus bank for weeks on end and getting the same story about how thy cant do anything about it, the manager XXXX proceeded to tell me never to call back and that she was done with me. I need help taking legal action against this institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: WA

Complaint narrative:
XX/XX/XXXXCFPB, When trying to buy my first home I was denied by USDA for the reason of a charge off and closed account by Santander Consumer USA. 
Years ago I thought my mother and I had paid off our car loan of {$24000.00} with Santander Consumer USA but according to XXXX we still owed {$6700.00} in late charges and interest. At the time my mother and I were confused how this could be but still wanted to work with Santander Consumer USA and pay what we owed. We asked Santander if we could make payment arrangements and was told by Santander Consumer USA that the loan had reached its term and we could not make payment arrangements so we had no choice but to let them take the car and sell it. Next thing we knew Santander showed up on our credit report as a charged off closed account. Never less that 's not what 's most important to me but what is important to me is what Santander Consumer USA did to my XXXX year old mom. In the last 12 months of our loan with Santander Consumer USA, they proceeded to harass my XXXX year old mother by calling her every day, every hour of the day to the point of breakdown and tears. I remember my XXXX year old mother calling all of her children many times saying that she is unplugging her phone for the rest of the day for Santander consumer USA would not stop calling her with the mean, swearing, intimidating and threatening words and she was too ill to fight back. I was so upset with Santander for doing this to my mother that I pleaded with them many times to leave her alone and just call me sense I was the cosigner on this loan, so they did start calling me at my work every hour for weeks & months but what angers me the most is that Santander consumer USA never stopped calling my XXXX year old mother until her death XX/XX/XXXX. For what? Late charges ... .. My mother and I would have never defaulted on this loan and is why we paid six years on this loan and still Santander Consumer USA would not work with us. 
When being denied this week for my first home loan for reasons be on my control it brought back horrible haunting memories of the past with Santander Consumer USA. I would like justice for my mother, XXXX XXXX XXXX who now rest in peace. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, National Association
State: GA

Complaint narrative:
New York Community Bank has our house mortgage. We sustained damage from hurricane XXXX and had to move out of the house. The insurance company required us to send the repair checks from them to the bank. This was to insure that the money was spent to fix the house. We finally signed a contract two weeks ago to start repairs, but the bank has been dragging their feet. We have sent everything they asked for- the contractor 's license, tax form, a copy of the estimate and contract. But, every time I ask them where the money is to get started they say they still need information that I 've already sent. I 've read where they do this to make interest on the repair money. We are in a rental house and may have to leave before the house is repaired. We 're at their mercy. We talk to them each day, but nothing gets done.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: U.S. BANCORP
State: KS

Complaint narrative:
When I signed up for my credit card through US Bank I was told by the CSR my account would be interest free until approx XXXX 2015. I initially called in regarding something on my checking account. I opened XXXX savings accounts and was told I pre-qualified for a credit card through US bank with 0 % intro APR. I was charged APR. I attempted to call US Bank to figure out this situation. I asked them repeatedly to pull the call and listen to the call, so we could determine what was said to me. Supervisor said does not have option for call review. I was told there were no way to pull the call despite there being a call log. This a bait and switch on their part and apart of fraudulent business activities.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: Green Square Company LLC.
State: TX

Complaint narrative:
i received a voicemail stating i needed to call Premier Recovery Group concerning a complaint regarding my social security number and if they did n't hear back from me, they were going to contact my employer.when i returned the call to XXXX a young man named XXXX answered He gave me information concerning a debt without verifying who i was other than asking my name. He stated that i needed to take care of this debt before they began legal proceeding against me. when i asked him to send me a verification of debt letter, he began calling me a liar and a thief then proceeded to hang up on me.

Company response to consumer: Closed
Consumer complaint received 2016-04-12 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:
On XXXX XXXX, 2016 Santander Consumer USA received a cashiers check in the amount of {$21000.00}. Santander claims they did not receive the check. Attached is a certified receipt from the XXXX. Postal Service proving the check was received. Also, attached is a clearance code showing the funds are available. On XXXX XXXX, 2016 a representative from Santander requested I fax in proof the funds were available. The clearance code and bank information was faxed to Santander. ( See Attachment ) The check was written by my brother, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
Santander Consumer Financial USA had put me on a do not contact list of some sort while I was a cosigner on a vehicle that they held the loan for. For 4 months, I had received no word on any missed payments or any information at all about the vehicle loan. I was put on a do not contact list without my permission which resulted in me not being contacted about 4 missed payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: CO

Complaint narrative:
I have a 20 year RV loan with Santander Consumer USA. This loan was sold to Santander when the finance company XXXX went out of business. I have now been paying on the loan for 10 years. In XXXX 2016 I decided to start the process of getting the loan paid off early by paying extra on the principle. So I have been sending in an extra payment by mail clearly marked " principle only '', but to my dismay Santander applies each extra payment automatically to interest. If I had not checked online each time none of my extra payments would be credited to principle. Just to note - my loan is paid up a month in advance. As of today, Santander has now corrected the first XXXX extra principle payments but not the third XXXX. Each time I have had to make MULITPLE calls with an " agent '' to get the payment paid to principle. Each time I have asked the " agent '' how to avoid this hassle in the future but do not get a definitive answer. 
As of today - I have made multi calls to get my third extra " principle payment '' applied to principle only - I made this payment on the XXXX of XXXX and it has still not been credited to principle only. When I called today it took multi calls to get through to an " Agent '' and the " chat person '' would not answer any questions except to direct me to call the number that I was already using. This is becoming very, very frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Describe what happened so we can understand the issue ... 
I did not give verbal and/or written permission for SANTANDER CONSUMER USA to pull my credit report on XXXX XXXX, 2016. Per Federal Credit Reporting Act this is an ILLEGAL act to make an " Hard '' inquiry which decreased my credit score on my credit report. When asked to show me proof of authorization this company could not provide it. This inquiry needs to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11 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:
I purchased a vehicle from Drive Financial, which was purchased by Santander Financial. In XXXX 2008 the vehicle was repossessed and sold. The company stated that there was a remaining balance owed. Therfore there has not been any activity on the account since the repossessed date. However, the manufacturer changes the active date, so that the account stays will not remove from the credit bureau. In the Equifax reports it reads " This information is generally removed seven years from the initial missed payment that led to the delinquency. Missed payments and most public record items may remain on the credit report for up to seven years, except Chapters XXXX, XXXX and XXXX bankruptcies, which may remain for up to 10 years. Unpaid tax liens may remain for up to 10 years from the filing date. Paid tax liens may remain for up to seven years from the filing date. Transferred accounts that have not been past due remain up to 10 years after the date the account was transferred. '' Please assist by removing this fraudulent information as an attempt to keep it on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: SLM CORPORATION
State: MI

Complaint narrative:
I had co-signed for my grandson for a XXXX student loan thru SallieMae and had payment arrangements of {$100.00} a month which was automatically taken out of my checking account. I then closed my bank account. My grandson was going to take over the payment arrangements so he mailed in a new automatic debit authorization form with his bank information but the payments were never withdrawn. We remailed the forms many times and also faxed in the forms many times and even uploaded the form on the SallieMae website but the payments were never withdrawn. SallieMae kept calling us saying they never received the payments but could never tell us why the payments were n't being withdrawn from his bank account. We would list his checking account information and his debit card information on the automatic debit form. SallieMae wanted us to give the banking information over the phone but I did n't feel comfortable doing that when we had already mailed, faxed and uploaded the automatic debit authorization form numerous times. SallieMae then referred our account to a collection bureau by the name of XXXX XXXX XXXX XXXX XXXX. I do not feel this is fair when we were trying to make the payments. I do not want my nor my grandsons credit wrecked over this.

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