vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: CO

Complaint narrative:
what is the difference between a yearly interest rate and simple interest where in my contract does it state clearly i pay XXXX simple interest and am i paying that or 19 %? which am i paying daily XXXX or 19 %

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
I 'm paying a 29.9 interest rate on my vehicle. In other words, I 've paid XXXX towards it and the amount I owe has only gone down by XXXX. They refuse to give me documents on any of this since I 've looked into an attorney. This is in North Carolina where North Carolina interest rate laws set the maximum rate at 8 percent. My loan is through Santander consumer USA.

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

Complaint narrative:
I had a auto loan with Santander USA. I paid the balance of the loan in full in 2013 and received the car title, however Santander repeatedly calls " in an attempt to collect a debt ''. I have explained at least XXXX times that my loan is paid in full and keep asking to be removed from their call list. I am told each time that I would be removed, just to find that they continue to call. The latest call was received this evening.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
Reviewing the payment history of my vehicle which was totaled XXXX XXXX 2016 ... ..I was concerned about the XX/XX/XXXX payment being returned due to the fact I paid it early, but totaled the vehicle before it was due. While looking into that I noticed inconsistent application of my monthly Principal and Interest payments by the lender. If someone could review this history and determine that I was caused no harm in that my payments were in some cases not applied to my principal balance ( not even in part ) causing my payment to not change ( decrease ) ... then I ask for this to be corrected and me to be reimbursed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
Santander is reporting as if the loan is open and new this account has been closed since XX/XX/XXXX. The is falsified reporting on my credit that 's against the law. It report balance of XXXX as of XXXX/XXXX/XXXX. XXXX XXXX XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05 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: TN

Complaint narrative:
Company consistently contacting regarding payments yet are posting payments incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Chrysler Capital has an unethical, disorganized, and unreliable loan management system. Their interest is calculated in a ambiguous fashion as to confuse consumers and have them pay an exponential amount more. They are not transparent with their consumer 's money and where it is being allocated. I have always been on time with my payments, never faltering in sending the amount i owe, plus some more. Every time i send a check to be applied to my principal account i have to take precious time out of my day, to call them. Furthermore, their accounting department is not up to date, and take days to resolve issues pertaining to consumer 's money. Thus, this reflects when XXXX checks statements online.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: MS

Complaint narrative:
I suffer from XXXX and XXXX. In 2011, I visited a car dealership with my wife just to window shop because I did n't have a down payment. Soon the sales rep led me in the financing officer 's office and offered me something that has now totally destroyed my credit. They suggested that I write them XXXX post dated checks and that they were going to lie and tell the finance company that I maded a {$1500.00} down payment. Having problems making good on the post dated checks, I had to take out multiple pay day loans in order to pay the car dealership. I still owe those loans XXXX years later. I told the loan company about my problem but they refused to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: NV

Complaint narrative:
I am being repeatedly harassed by Chrysler 's auto lease financing arm, known as Chrysler Capital, to pay money I do n't owe them. Repeated phone calls to them to get them to cease and desist work only for a couple of days, then the harassing phone calls and emails resume. 
They mistakenly calculated sales tax based on a jurisdiction that the car has never been garaged in or even driven to. I have sent in documentation, had repeated phone conversations with managers at Chrysler Capital, and this incredibly disorganized and mismanaged company just ca n't seem to fix the problem, so the dunning collection harassment continues. I have spent many, many hours and many phone calls trying to get them to stop harassing me for money I do n't owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-13 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: Receivables Management Partners, LLC
State: IN

Complaint narrative:
paid this last XXXX and i have a paper stating they were removing from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: M&T BANK CORPORATION
State: VA

Complaint narrative:
I sold my house ( XXXX XXXX XXXX XXXX, XXXX, NC ) and closed on XX/XX/2016. I wrote a letter dated XX/XX/2016 ( see attached ) to M & T Bank, the mortgage company, requesting the " Recorded Release of lien for the property/Recorded Certificate of Satisfaction from XXXX County NC Register of Deeds ( See attached ). Have not received the original note either.To no avail.

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 2015-08-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
In XX/XX/XXXX, I obtained a mortgage from XXXX Bank to retain ownership of a residence due to divorce. ( loan no. XXXX ) In XX/XX/XXXX I was unable to pay taxes and insurance for my home to to illness, the death of a partner, and financial problems related to an ongoing business. The bank entered into foreclosure action in XX/XX/XXXX, Through out the process I kept the ban informed of other property that I owned that was in litigation. The property finally sold and I requested the bank 's attorneys an amount to reinstate my mortgage under its reinstatement clause.I recieved a total amount for all costs, payments late charges attorney 's fees for a total of {$66.00}, XXXX. This amount was paid by cashiers check on XX/XX/XXXX Sometime in XX/XX/XXXX the mortgage was assigned to M & T bay who has used XXXX XXXX as a servicing agent. the principal balance due at that time was {$56000.00} At the timeof the assignment I was led to believe that the bank would modify my mortgage at the current interest rates. during the first foreclosure It was determined that the residence had substantial hidden leak damage.I used other monies to start reconstruction of the roof and upper story of the home. When I informed the servicing agent that I was in construction for repairs they backed off the mortgage modification and said they could not do anything in the matter or do any refinanciing. The Bank then raised my monthly payments to roughly {$1800.00} per month which I could not pay. They then created a scheme of charging me for late payments and interest on payments they claimed were due in XX/XX/XXXX and the last statement indicated that I owed over {$92000.00}. The bank filed a XXXX foreclosure in XX/XX/XXXX. This new foreclosure has halted the reconstuction on the property because I ca n't get any financing or refinancing to work the construction From a principal balance of {$56000.00} on XX/XX/XXXX I now owe over $ XXXX.in XXXX months. 
I bought the residence in XX/XX/XXXX it has a market analysis value of between {$950.00} to {$980000.00} It is roughly an acre of land with a natural beasch at the waterfron and the road side of the property faces a small park.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MA

Complaint narrative:
I applied for a pay day personsal loan XXXX REP XXXX XXXX. ( XXXX ) XXXX I was advised {$230.00} would need to be transferred XXXX I sent the {$230.00} From CVS XXXX. the loan people contacted me and telling me I was all set and funds would be transferred for {$2200.00}. {$2000.00} loan and my intial {$230.00}. XXXX XXXX advised to contact XXXX XXXX bank XXXX to completer the transfer. I called and was advised to send an additonal {$290.00} which was not advised under the terms and conditions with the first rep. So I asked for my refunded amount of {$230.00} and they are not willing to do so as I was advised it was refundable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Suburban Credit Corporation
State: VA

Complaint narrative:
I was taken by ambulance to the emergency room in XX/XX/XXXX in XXXX Maryland. I paid for the hospital bills as well as the ambulance fees when they were billed at the time at my address. 

As of XX/XX/XXXX I am receiving calls from XXXX now that I owe {$100.00} to a doctors ' billing company. XXXX claims that the billing company could not locate my address, even though the other bills came to my address with no problem. Also, the 'old address ' that XXXX XXXX the contact at XXXX, claimed they were using to try to bill me is a totally inaccurate address pieced together from some of my prior addresses. 

XXXX filed a collections report with Equifax in XX/XX/XXXX - long before I 'd been contacted or had any chance to verify their claims and settle the matter. As XXXX explained to me - they were unable to find an address or any way to get a bill to me. There is no way a collections charge should be applied to my credit score for a charge of which I had no knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
My husband and I purchased XXXX properties for use as a warehouse and a showroom for his flooring company in XX/XX/XXXX A few months after purchasing the second property, the recession occurred which resulted in the company going into default with the mortgage payment. The lender is M and T Bank. An attorney who we had hired to advise on the matter, advised us to sell the properties by short sale as this would resolve the issue with the amount owed to the bank. We sent a copy of the short sale documents to the attorney and he advised us to proceed with the short sales. In XX/XX/XXXX we began receiving notices from M and T Bank stating we were owing approximately {$180000.00} which we have not been able to pay as I 'm the only working .As a result M and T has placed a judgement against us with the intent of selling our home.

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 2015-11-10 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: KS

Complaint narrative:
I have been talking to a man for over a month that I met through XXXX. He lives XXXX I live XXXX. He is businessman opening up XXXX. He had to take a trip XXXX to purchase merchandise for his grand opening. He was to stop back XXXX to meet up for the first time. On the last day of his trip, he was attacked by armed men and missed his flight. He was in desperate need of {$650.00} to rebook his flight home. In previous conversation, I had asked him about siblings and parents and he is an only child with XXXX parents deceased. He started calling at XXXX and finally got hold of me by XXXX. I stupidly agreed to send him {$300.00} to help him out. I have never been outside the US so I have no idea how any of this works. He had me send this money XXXX ( whom he said was a ticket agent there in the airport ). He also tried getting me to send him the additional {$350.00} XXXX, thankfully there was a hold up and I got my money back from that transaction. I have done further research on this person who claims to be XXXX ( i have texted, emailed and spoken to him on phone ) he has a cell phone XXXX ( claims he used to work there XXXX - the number is XXXX XXXX. He has also called me several times from the following international number - XXXX XXXX XXXX XXXX XXXX XXXX. The pictures he has portrayed as being him are found ( upon further searching on my part ) on a web site called XXXX XXXX as a scammer from XXXX possibly. He has a XXXX page as XXXX XXXX XXXX - with only XXXX friend, a female named XXXX I have tried messaging her to find more info, but she has not answered me back. On this XXXX website his picture is attached to XXXX website as XXXXXXXXXXXX He is emailing me from an XXXX on XXXX but wont answer my requests to snap a selfie and send to me and my daughter checked his email XXXXXXXXXXXX for I message but that app is suspiciously turned off.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
There is a mortgage loan with M & T bank. Payments are due once a month. I have been making principal prepayments, and M & T banks is applying interest charges towards these prepayment amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
I have a mortgage with M and T Bank for 10 years. The house appriased for XXXX when I bought the house. I am still paying PMI after 10 years I think it should have been taking off when I reach XXXX % LTV {$91000.00} which I am around XXXX now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
On XXXX/XXXX/2016 my elderly mother XXXX XXXX XXXX sold her home. I am her son and Power of Attorney XXXX XXXX. As part of the process we needed to close out her Home Equity Line of Credit with " M and T '' Bank ( Line of Credit Account Number XXXX ). After much difficulty we finally got a letter from M & T with instructions to pay {$33.00} as the discharge and satisfaction fee. We paid this amount immediately, and it posted to her account on XXXX/XXXX/16. I then made several attempts to have the account closed to no avail. Finally a branch person, contacted the Home Equity division at my request and she assured me that the loan would be closed. I waited 2 weeks and still the loan was not closed. I again contacted my branch person and she checked again with the Home Equity division and discovered they had taken no action. Finally on XXXX/XXXX/16 my branch person emailed me saying the loan was closed, but still there has been no recording of the loan closing made with XXXX XXXX. We paid the {$33.00} discharge fee and expect that the closed loan would be recorded with XXXX XXXX. Please help make this happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Management Partners, LLC
State: PA

Complaint narrative:
These amounts were emergency room copays and were incorrect due to being admitted which would wave the copay Also I have a charity care application which covered all my unpaid medical bills at hospital Currently I am XXXX under XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12 00:00:00
Product: Money transfers — International money transfer
Issue: Other service issues — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MA

Complaint narrative:
My father wanted to send money to his sister XXXX. He sent my sister to handle it through MoneyGram XXXX at a WalMart that uses MoneyGram. Instead of setting up her own information, she used my XXXX her sister ) information for the same address to be used as the sender. When my aunt went to receive the money, it was under the impression that it was under my father 's information as the sender. Using the wrong information, she can no longer receive the money. While trying to talk to WalMart about this, they told us it was MoneyGram who was holding the money. I tried to contact MoneyGram this morning, but their automated help system was less than helpful to say the least.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
I am a HUD approved housing counseling and have been working with XXXX XXXX to assist with her mortgage situation. I have faxed a third party authorization to M & T Bank XXXX times first on XXXX/XXXX/15 have confirmation sheet it was received and they I call to speak to someone regarding the file and was told they did not show authorization on file. I faxed the authorization a second time on XXXX/XXXX/15 again go a confirmation it was received but they are stating they do not have authorization on file. This has happened to me on other file I have been working with M & T Bank so they seem to have a pattern of not getting authorization even though we have verification they received.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Atlantic Credit & Finance, Inc.
State: PA

Complaint narrative:
I had a XXXX credit line and have not been able to pay full amount due each month. I have been paying {$25.00} a month when I can. I looks as if the credit line was sold to Atlantic Credit & Finance , Inc . They are calling my home and cell phone hourly. They call my personal work phone and now they are calling the general number of where I work and harassing other employees after I have left work and insisting that they put me on the phone and they know that I am there, when I am not. This is causing me a lot of trouble at work and risking my job, which if I lose it and will not be able to pay anyone. They are not very nice over the phone and I need this harassment to stop.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
On XXXX 2015 we decided to refinance our home so we call our bank they assign me to a sales agent but it was really hard to get a hold of him after a month we call again so they can assign our loan to somebody else they did and the lady sent us an estimate of how much our interest was going to change we agree and they charge my account for the application fee, appraisal and record but they never ask me anything they just told me that it was pretty much approved that everything look good that they needed to send to underwriting for approval they charge my account almost {$900.00} after 2 weeks they call me and told me that they denied my case because a part of my house was modified and that the money was n't reimburse I told the mgr why did n't they told me before they charge my account the requirements to approve a loan they never ask me this questions and they are some lenders that they do accept this if I would know I would n't done it and she told me well we ASSUME that there is no problem with the house and if we ask this questions the process is going to be longer. They need to be more professional by asking questions and letting the customer know that if something goes wrong they are going to lose the money by the way the mgr is really rude!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17 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: HW Holding, Inc
State: CA

Complaint narrative:
This debt is in legal dispute at Superior Court of XXXX XXXX. Also, it was subsequently assigned to another Collection Agency And both are showing on my credit report. I have made repeated requests to have this removed since it 's been assigned to another agency but nothing has been done as of XXXX XXXX, 2015.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation