vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-15 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Credit Card Receivables Fund Incorporated
State: PA

Complaint narrative:
I was contacted by a debt collection law firm XXXX XXXX XXXXthat I was being sued for a debt. I have never received any noticeof a letter to dispute, just a court date. I attained counsel and was represented on my behalf by counsel. The disposition was judgement for defendant, me.There was not enough and or wrong information to verify debt. I once again been contacted by the law firm stating " you are in default because you failed to enter a written appearance or by attorney the court with your defense. unless you act in 10 days from date of this notice a judgement may be entered against you. '' this letter was received XXXX/XXXX/15, judgement was entered on XXXX/XXXX/15. also letter on XXXX/XXXX/15 from law firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX asking office of XXXX to docket civil action. (? ) XXXX XXXX XXXX and XXXX XXXX XXXX have a long history of making bogus claims against individuals claiming they owe a debt and that they intend to collect by any needs necessary. There is numerous documentation about this law firm and XXXX XXXX to that claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
I went in to see XXXX XXXX XXXX, to have him to remove some XXXX that I had gotten XXXX. I continuously, indicated to him that, I knew it was some XXXX. He asked me if I wanted him to send it to the lab, for testing. I said no, because, I remember the day it happened, and that, I knew exactly, what was in my hand, and that there was no need to send the small piece of XXXX to the lab. He sent it any way. I do not feel as though, I owe this debt, because, he sent it against my wishes. It is not my fault, that he did not believe that it was XXXX XXXX XXXX, placed this negative information, on my credit report, with the XXXX major reporting agencies. Along with, negative information, about me going to XXXX the hospital. Which, I did not. These bills were totaling, {$140.00}, to XXXX XXXX, and a {$81.00}, bill to the hospital. All, I presume, was for the lab testing, in which, I did not instruct, XXXX XXXX, to submit!!! The and companies name and account numbers, for these illegal, transactions, are Credit Systems International XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX, account # XXXX, Address identification # XXXX, Original creditor, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, TX XXXX, ( XXXX ) XXXX, Account # XXXX, Address identification # XXXX, Original creditor, XXXX XXXX XXXX XXXXXXXX parties, needs to remove all negative information, from my credit reports ... and, cease, all harassing calls, and attempts, to collect a debt, that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
In XX/XX/XXXX, I purchase a XXXX XXXX XXXX - financing through XXXX XXXX XXXX XXXX. 
In XX/XX/XXXX, that loan was sold to Santander Consumer USA. 
XX/XX/XXXX, the XXXX 's engine timing chain slipped and destroyed the engine. The vehicle was towed to XXXX XXXX in XXXX, Indiana. The cost of the repair was going to be well over the remaining loan and did not have the funds to proceed further. 
Upon contacting Santander, I was told that the best course of action would be to sign the vehicle over as a voluntary repossession. With Indiana having being a non-deficiency state ( under {$4000.00} ) I would not be held liable for the difference of selling the vehicle. I was a year from paying the vehicle off with a remaining balance of approx. {$2300.00}. They sent paperwork to XXXX XXXX which I signed to release vehicle and financial obligations, however never received any copies or had any further communication with Santander. I was not even given notice as to what the vehicle did sell for. However through review of updated credit report it was identified that the loan was sold ultimately to XXXX XXXX XXXX , XXXX which has already been disputed and removed for report ( Case number : XXXX ) Now in reviewing the XXXX report ; new activity was started on XX/XX/XXXX, fours years after this was said to be settled.

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

Complaint narrative:
I financed a XXXX XXXX XXXX XXXX/XXXX/XXXX through Drive Financial XXXX for XXXX payments of {$650.00} first payment coming due XXXX/XXXX/XXXX. Total of payments at maturity would be {$46000.00}. Sometime thereafter, Santander Consumer USA bought the contract. My maturity should have been XXXX/XXXX/XXXX XXXX changed due date from XXXX to XXXX ) However, due to XXXX extensions/defferals ( job related issues, will elaberate when necassary ) it was changed to XXXX/XXXX/XXXX & all subsequent statements reflect that date. At the time of my XXXX XXXX statement, it showed that I still owed over {$10000.00}!!! Also, from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX XXXX 14 months XXXX my balance did not change!! I 've continued to make payments to avoid a possible repossession & as of my last payment XXXX/XXXX/XXXX they 're still saying I owe {$8500.00}. I 've added up all payments from my payment history & total monies I 've paid Sanatnder is {$49000.00} which is {$3000.00} over what my contract calls for!! Their contract reads that they can apply the payment to either the Finance Charge or Principal Balance or to any other balances I owe, " in any order they choose '' & it seems they 've done just that!! 

I 've lived up to my committment on this contract & feel that I 'm no longer obligated nor willing to pay them another cent! I ca n't afford another vehicle & looked forward to paying off this vehicle to have breathing room within my budget! No matter who you talk to at Santander, they ca n't give any explanation & have no clue as to what 's happening & stick to some pre-written script to answer questions. 

This company has XXXX complaints filed against them with the BBB XXXX XXXX XXXX XXXX XXXX websites just to name a few. Numerous suits have been filed, including the United States Dept. of Justice case that was settled XXXX due to violating the Servicemembers Civil Relief Act ( SCRA ), suits involving the Telephone Consumer Protection Act ( TCPA ). The list goes on & on!!! I 've contacted the Texas State Attorney Generals office & they seem blind & oblivous to this company. How can this be when they 're locate din XXXX?? 

I 'm one of many individuals that need help in getting whatever I 've overpaid AND my title! I have all supporting documents needed upon request. 

Please HELP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I have auto loan with Santander consumer, USA. I got in a hardship situation, I lost my father, lost my job. I kept in contact with Santander and let them know my situation and they understood. I called them and they called me as well. On XXXX XXXX 2016 I talked to XXXX in the president department of Santander. He told me that If I made payment {$1000.00} that the day and then 10 days later paid {$350.00} that I would be back on track and then just make my normal monthly payments. Later, I found that they had charge off my account and they will not be reporting my payments. I called them again and talked to XXXX and ask him for supervisor. XXXX said let me know try to help and if I do n't resolved the issue then I will give you to my supervisor. I told the situation and he went to talk to XXXX and came back and said their was nothing that they can do or change the charge off your credit report. The problem I have is it was not charge off when I was talking to XXXX but now it is they put XXXX XXXX on my credit report. I had made agreement with them and I stuck to my agreement and did what we agreed to. I do n't understand how they can charge off my account with me keeping my car. I need to know what my rights and what I can do about this situation. I have recently went through the reviews on this company and see that they do this to a lot of people and also not give them their titles when the vehicle is paid off. I have had problems with they trying to charge me last year repossession fee when they never repossed my vehicle. I want to filed a complaint on Santander Consumer, USA

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
We purchased a XXXX Toyota Corolla in XXXX of 2015. We did deferred payments for our down payment through the dealership. After having the vehicle for 6 months and making payments on it, we accidentally paid {$160.00} too little on one payment. We spoke with the finance company ( Santandar ) and they set up an arrangement for the {$160.00} payment. Before the payment was drafted, Santandar contacted the dealership and told them that the loan was null and void because of the partial late payment. The dealership contacted us and told us what they said and that we needed to bring the car back. I contacted Santandar and they told me that the loan was null and void because the dealership allowed us to do a deferred down payment. They told me that it was n't a big deal and that the dealership had to buy the car back from them and then resubmit the paperwork and that the loan would be refinanced. They also advised me not to make any payments on the vehicle until the new loan was processed. About 3 weeks later, they had my car repossessed for non-payment. At this time the partial payment was late and the XX/XX/XXXX payment was late because I was told not to make those payments. After 1 month of fighting with Santandar, the dealership was finally able to buy the car back after being assured that we would be refinanced with Santandar. Santander received the check from the dealership and held it for over a week. They finally cashed the check and said that the dealership could pick the car up. The dealership submitted all of the paperwork to Santandar to re-do the loan and now they are refusing to refinance us. They are claiming that we were {$2100.00} behind in payments, but we were not. They are also refusing to give us our down payment or the payments that we made back even though they told us and the dealership that they would do so since the loan was " unwound ''. Now we are out of {$5000.00} and a car and Santandar said that it is our fault because we were not making payments. When I told them that I did what their agent told me to do they told me that they were sorry for the misinformation, but the repossession still stood. At this time, we do n't know what to do or how to move forward with this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
I had a car that was financed through Chrysler Capital. Recently the car was stolen and found completely burned by the police. I filed a claim with my insurance and gap insurance company in order to resolve my outstanding debt with Chrysler Capital. Even though my gap insurance has submitted the claim information and sent multiple checks, Chrysler Capital is still stating that I have an outstanding balance. They are also reporting negative information on my credit report..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Santander Consumer USA Holdings Inc.
State: MI

Complaint narrative:
I applied for credit through XXXX XXXX, XXXX, MI to purchase a new washer. I was denied. I paid for the washer with my XXXX XXXX. A couple of weeks later, I received XXXX letters from Santandar Consumer USA. XXXX indicated I had been refused credit, the other told me what my limit was. I never received a card or anything further until I received a statement indicating a {$49.00} balance. I called on XX/XX/2015 and spoke with XXXX and was given the run around before I was disconnected. I called back and was told by XXXX who said the {$49.00} is automatically billed for having the card ( what card? ) and I owed this since I opened the account. I explained the situation and after some stressful conversations, was told the account would be closed. The next month I received another Statement showing I owed the {$50.00}. I called again on XX/XX/2015 and spoke to XXXX who indicated that even though I was denied credit through XXXX XXXX, I stilled owed the fee because XXXX had picked up the account on their own. I only applied through XXXX XXXX! I never agreed to have the account " picked up '' by anyone. Again, after more stress and lack of understanding, she assured me the mistake would be corrected within XXXX business days. I received another statement. This time for {$51.00}. On XX/XX/2015 I called and asked for a Manager. This time I spoke to XXXX. She indicated she would " make sure it is taken care of today. '' She was going to send it to the appropriate department to get it done. Well, I have just received another Statement for the {$49.00} and interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Credit card — 
Issue: Other — 
Company: Synovus Bank
State: FL

Complaint narrative:
on XX/XX/XXXX my wallet was stolen with all my credit cards. On XX/XX/XXXX I notified XXXX XXXX all my credit card companies. My credit card tomorrow all reissued. All my credit card companies are still reporting to all The credit reporting agencies except for one, First Progress XXXX. I have allowed adequate time and have kept checking my credit file for them to update the account which was XX/XX/XXXX. It still has not updated on either of the XXXX credit reporting agencies. I contacted First Progress today and ask them why it is not reporting to the XXXX credit reporting agencies they responded it is reporting. I indicated I have checked and I would check with them while I was on the phone with them I confirmed neither XXXX XXXX nor experience shows an open account with First Progress XXXX. It shows closed accounts with them. They asked me to provide a copy of my credit report them I said the burden of proof is not mine but there 's the credit card agreement with them is that they are to report to the credit bureau 's. I filed an escalation claim with them. So now I 'm afraid that I 'm going to suffer the same detrimental effects that I have with XXXX XXXX for nine months I 've been struggling to have them repair the same issuue! To no avail! so again it 's going to cost me money and time to remedy the problem or error that is not mine. Please help me in resolving this matter. Time is of the essence! 60 days is not required or acceptable to resolve the issue it 's adversely going to affect my credit and my health. again, I went through the same thing and I 'm going to the same thing with XXXX XXXX will buy the state and they have kept on stating the same thing we fix the issue and it is reporting to your credit report and it is not reporting to echo fax with XXXX XXXX now with First Progress it is not reporting to any of the XXXX credit reporting agencies they stay it it is I reviewed all three and is not reporting to any of the XXXX. I do n't have access to print all three I can view all three through an app on my phone. I will attach what I can through your website. It 's a secured credit card. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: CT

Complaint narrative:
I have a Auto loan with Santander consumer that I pay every month, All of a sudden I have Late fees accrued they claim from 1 late payment XX/XX/XXXX. I called to have this resolved, and it was clearly an out of Country Call center. They emailed me what was inconsistent to what they are explaining to me on the phone. The late fee starts at XXXX and you get charged a XXXX a day. Now flash forward to XX/XX/XXXX and now I owe XXXX with out no notification, I never get statements sent to me and when i logged on, I noticed the XXXX fee, I would of paid the XXXX if i knew about it but they do n't give you anyway to see it till you dig deep. Also My Email address Mysteriously got Changed after speaking with a customer service rep, I could n't reset my password to login and pay and i finally call and they have XXXX not XXXX, It was fine before so I have not received any notifications from these people of payment, Fees, Anything they are Shady. These are Unfair and VERY shady Business Practices. They have about XXXX Consumer Complaints and XXXX pending lawsuit. I feel very insecure paying them XXXX + a XXXX Convenience fee of XXXX every month. This Auto lender NEEDS to be stopped praying on people with poorer Credit. If I am late on a payment, I have no problem paying a late fee, I will not however be victim to these unfair practices by these Thieves.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
XXXX Purchased a XXXX 2010 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Notified Chrystal Capital that I was on a Medical FMLADiscussed with Customer Service and it was agreed to do a defer to end of loan some payments.And i was to receive a Contract to sign and send back immediately but never received. 
Made several calls to Customer Service, since i received no call or mail from them on a update, To be told " Oh it 's denied ", and you ask for a reason and your told they never tell us. 
Then Customer Service, says pay more money and we will do it again. Same thing just on going " Denied '' No reason. 
Now, I have all these fees added and late charges and my Loan shows that I owe more money now then i even borrowed. 
My interest rate was to be per XXXX, XXXX i questioned before i signed @ XXXX, and was told XXXX. 
I called Chrystal Capital, one month ago cause things did not seem right a questioned my interest rate and they said XXXX. 
i never agreed to 21 percent on this SUV. 
they have the hole just getting deeper and deeper and i am seeing NO way out with Company. 
I need your help Please, I XXXX Chrystal Capital and read XXXX Complaints On Consumer Affairs alone. just, like mine and alot on other sites too.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06 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:
Purchased vehicle with 21.9 % interest and the sales person was not clear about the terms of the contract. The XXXX mile four year warranty was really only a XXXX mile four year warranty. The sales persons were deceptive and not looking out for the customer and more focused on commission of the sale. After nearly four years I still owe more than the original sticker price of the car. The car needs major repair but the warranty is expired. They refuse to offer refinance option to make the car more reasonably affordable. It may take four more years to pay off a car that has started to fall apart. I am unable to purchase a dependable car because of this terrible contract with them. I feel like I was trapped into a bad contract. This contract is forcing me into filing bankruptcy as an only alternative.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Approximately 10 montha ago I purchased a Chrysler 200 C. Recently the car has began to completely shut-dowm/stall. This has occurred twice - on the freeway! Most recently, Last Night. XXXX/XXXX/2015 on the XXXX XXXX in the XXXX XXXX XXXX XXXX during rush hour traffic. Several cars nearly crashed into the back of the vehicle and state emergency had to come and remove the car from the freeway. The car has been taken to a dealership and they claim there is nothing wrong with the car. I spoke to Chrysler capital today and they said they would " file a report and I may or may not hear back from them. '' I am terrified of driving this vehicle - it is clearly not safe. I have easily discovered that XXXX other 200 C owners all across the country are experiencing the identical problem including the nonresponse from Chrysler and its dealers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I currently have a loan with Santanders Credit Consumer. I took out this loan is XXXX 2015 from XXXX. I have been making all my payments on time. I have actually been paying off more on the loan than the minimum payments. Santanders had been reporting the status of my loan to all XXXX credit bureaus since I opened the account. When XXXX stopped using Santander as a finance company for their business, Santanders stopped reporting to all XXXX of the credit agencies. I have called customer service numerous times and they keep telling me that they report to all the credit bureaus on the XXXX of every month, but for the last two months they have not shown on any of my reports. They keep telling me that they are working to fix the situation but still nothing has shown on my credit report. When Santanders removed themselves from my credit my credit score dropped dramatically.I do not think this is fair especially since I am still making payments and I would like this good credit history to reflect on my credit report. Although Santanders is no longer doing business with XXXX, my account is still open and not closed so I do not understand why they are not reporting it. If I was not making payments I am quite sure they would report that! I am just asking please fix this issue because I am in the process of of trying to purchase a home and I need this to reflect.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-27 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: SUN LOAN COMPANY INC.
State: TX

Complaint narrative:
There 's is a error on my credit repor A hard inquiry that does not belong to me sun loan company

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 non-monetary relief