vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
After a lengthy battle with Santander consumer USA. I filed several complaints with the office of the president, most recently I was working with XXXX from the office of the president. We came to a settlement agreement for the vehicle to be paid off for {$7200.00}. Well above the total that the maturity date would reflect. this vehicle was sold on XXXX/XXXX/XXXX to XXXX. Santander processed the payment on XXXX/XXXX/XXXX. After Santander received the payment and after I disputed via e-mail and speaking to XXXX directly, I continue to receive statements and when I call my account is still open, my credit report is reporting it as open, And as recently as XXXX/XXXX/XXXX I received another statement and they have increased my maturity date and charged me payments and interest ( after the account was paid and should be closed ), This is a breach of contract! I was over charged via deception ( the requested balance did not match the previous maturity date of XXXX, so they changed the maturity date to XXXX on the XXXX statement, after the car was sold. They breached our settlement agreement, reported harmful and erroneous information on my credit report, causing harm to my income/debt ratio. I reached out to XXXX on XXXX/XXXX/XXXX to correct this matter, he failed to do so, he breached our contract and the deception only increased. I now feel that the overage I paid of {$2400.00} should be returned to me. Previous balance {$360.00} X 13 months ( maturity date of XXXX ) totaling {$4700.00}. {$7200.00} ( amount paid by me ) - $ XXXX {$2400.00}. My credit report needs to be updated and I would like a correct statement sent to me as closed and paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Green Square Company LLC.
State: LA

Complaint narrative:
I received a voicemail from XXXX providing an ID number of XXXX and requesting I contact them at XXXX. I contacted them and spoke to an individual named XXXX ( no last name provided ). He informed me that he was with Premiere Recovery Group, and that they were representing a payday loan company called XXXX XXXX XXXX. He stated that I owed this company {$750.00}. I asked him for the contact information for XXXX XXXX XXXX, and he did not provide it. I then asked him to provide Premiere Recovery Group 's address, and he asked me if I was willingly going to pay the debt. I informed him that I would not comment on the debt, and that all I was looking for was information at this point. He hung up on me. I called back, someone picked up the phone and hung up immediately. I called back again, and XXXX to a XXXX XXXX. I asked her for their mailing information, and she hung up on me. I called back and spoke with XXXX XXXX. I asked him for the mailing information, and he provided their mailing address ( XXXX. XXXX XXXX, XXXX, NY XXXX ). I thanked him, and ended the call. I called back again, and spoke with someone named XXXX. I asked her for a validation of the debt. She transferred me to someone else who did not identify himself. I requested they mail me a validation of the debt, he said that previous letters had been sent out by other debt collection firms. I requested clarification of his statement by asking him if that meant Premiere Recover Group had not sent a letter. He then said that they have sent information out to a previous address of mine. I informed him of my new address, and requested a debt validation letter be sent. He stated that one would be sent out today.

Company response to consumer: Closed
Consumer complaint received 2016-04-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
RE : Santander Consumer USA - Account # XXXX To Whom It May Concern : I am writing this letter to in regards to my car loan with Santander Consumer USA. I am concerned that when I submit my payments the correct amount is not being applied toward my principal. For example my XXXX payment of XXXX was due XXXX XXXX, XXXX and the payment posted on XXXX/XXXX/XXXX. When reviewing my payment history XXXX was applied toward my Interest and {$31.00} was applied towards my principal. 

Original Loan Amount : {$15000.00} Interest Rate : XXXX Loan Started on XXXX/XXXX/XXXX

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

Complaint narrative:
my statement says total amt, due XXXX..my monthly payment is XXXX..plus late charges XXXX. ( .i was told there was no interest on late charges .... ) you can check your quality assurence recordings for this ... so XXXX -XXXX= XXXX XXXX-XXXX= XXXX left what is this XXXX for and am i paying interest on it ( if so what is the % ) ..and if so, how much interest has " accrued '' ..and how much charged on a daily basis? is this reflected in my '' estimated " payoff balance?. or are you going to tack this with interest on to end of loan like I 've seen so many people complain about? your numbers are shady and I 'm going to keep disputing them every month if need be

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19 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:
I believe that I am a victim of predatory auto loan. I was not qualified to get a car at the time that I was looking but the sales people assured me that they would be able to get me a car no matter what. I did not have income at the time of the loan so they used my boyfriends income to make it look like I had a source of income. Is that not fraud? I was in a desperate situation at the time of the loan and I believe they took advantage and knew I was going to be stuck in a loan that I could not afford. My contract was never explained to me and no options where ever presented as far as interest rates, term, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Threatened to take legal action
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
I have received several calls in regards to an account I co signed on for a friend that was ultimately charged off after non payment. I was told that the people calling were with a law firm but would not state where from. I did not receive names either. I was only told to get ahold of Chrysler capital and begin to make payments or legal action would be taken against me and I was assured I would go to prison, I was told I would serve " a dollar for every day '' I owed. I dug deeper and I came to find out that my account has not been sent to a collection agency. So who else other than Chrysler Capitol would be calling me saying these things? Who else has a motive? I am in XXXX and am very sick and living off social security wages and am barely making ends meet. I have received roughly XXXX or XXXX calls in this manner. It is too much too handle.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Automotive Funding Group, Inc
State: CA

Complaint narrative:
I made my last car payment I owed on my XXXX Mazda Tribute to County Financial Services on XX/XX/2016 before the due date of XX/XX/2016, on an account that has never been late, and after receiving and cashing the check by County Financial Services the company incur an additional approximately {$120.00} so-called an additional interest charge to the account I needed to pay before they call this loan is paid in full and send me all the necessary documents such as Pink Slip, release of liability etc ...

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28 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 've made XXXX payments on my car of XXXX and my principle balance is not going down. I 'm financing my vehicle with Santander Consumer USA but I can refinance or trade out of it because of the negative equity. I do not know what to do. I feel like I 'm paying for a car but not paying for a car.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: ID Analytics, Inc.
State: FL

Complaint narrative:
I disputed with SageStream ( XXXX 2016 ) inaccurate addresses, phones, and account information that they are telling the major credit bureaus. As of today, SageStream has not investigated and responded within the 30 days allowed. SageStream caused me to be denied credit at XXXX XXXX to purchase a phone for the XXXX holiday for my child because of all of the inaccuate addresses, phone numbers and credit transactions. They put a security freeze on my account instead.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: ID Analytics, Inc.
State: OH

Complaint narrative:
On XXXX XXXX, 2015, I received an adverse credit letter from XXXX. They stated their decision was based on information received from XXXX credit reporting agencies, XXXX and IDA , Inc . The information was inaccurate. On XXXX XXXX, 2015, I requested my credit reports and credit scores from XXXX and SageStream ( formerly IDA ). I promptly received my Credit Report and Score from XXXX ; XXXX ; XXXX. The credit report from XXXX revealed no adverse information. 

Instead of sending my Credit Report and Score, SageStream sent me a letter requesting identify information as well as XXXX verification documents. This was done along with my second request for my Credit Report and Score on XX/XX/2015. To date I have not received a response from SageStream and I am continually being assessed the XXXX monthly bad credit fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-30 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TN

Complaint narrative:
i had gotten a call from XXXX XXXX from florida telling me I wasapproved for a XXXX loan so right then times were tough so I presued the offer after we got the application started they started hittng me with all kinds of fees to which I had to send them over XXXX and still have not received the loan from them. I sent all the money through moneygram. each time I talk to these people they r wanting more money from me. now they are wanting me to send them another XXXX then they said I will get the loan. all I want is my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
I recently received a letter from M & T Bank informing me that I was required to contact them and update my information. This letter also stated that if I did not take this action, my accounts could be closed. I contacted M & T and asked why I received this letter and I was informed that it was required by Section 326 of the Patriot Act. I have since made repeated requests to M & T asking for an explanation as to why I received this letter as I am not a new customer, nor have I opened any new accounts. On at least seven occasions M & T has refused to provide me with an explanation or any detailed information as to this requirement. M & T employees have threated to close any and all accounts that I am associated with if I do not comply, but has ignored every question I have asked. I have also repeatedly requested contact information from them so that I may speak to someone to resolve this issue and they have refused to provide me this information as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06 00:00:00
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
I sent money through Money Gram as I often do every month, on XXXX/XXXX/16 at XXXX. They put a hold on XXXX of my transactions. They said to call them back in an hour to see when the funds would be available. I have tried to get this resolved seven times calling them back and waiting on hold and not being given a reason for the hold. I had sent another separate transaction and there was no problem. They keep on telling me to call them back and they keep on saying they are e-mailing the department that puts things on hold. It is now XXXX/XXXX/16 and they are telling me the same thing. Now, I just want my money back and I will go to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION
State: DE

Complaint narrative:
ON XXXX XXXX 2015, A VERIFIED NOTICE TENDER OF PAYMENT & LAWFUL TENDER OF PAYMENT WAS ISSUED TO M & T BANK IN RESPONSE TO REQUEST FOR PAYOFF OF MORTGAGE OBLIGATION, ALONG WITH TENDER OF PAYMENT FOR SAID OBLIGATION. ( SEE ATTACHED ) XXXX XXXX, XXXX, NY XXXX # XXXX. 
ON XXXX XXXX M & T, ( ATTACHED ) NOTICED ME THAT THERE WAS AN OUTSTANDING BALANCE, DESPITE RECEIVNG AND ACCEPTING MY TENDER OF PAYMENT pursuant to Law

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17 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: NJ

Complaint narrative:
We ( my son & I - as co-signer ) have XXXX loans w/ Sallie Mae XXXX 
Last month - they took the XXXX payments sent ( XXXX check for each loan ) and applied them both to the same loan. In their system - this triggered a 'Late Payment ' on the XXXX loan that received 'no payment ' and started an incessant series of phone calls to both my son & I. 

Their error was pointed out to them within a week and - despite the promise of the error being corrected on their end.. the phone calls kept coming ( XXXX - XXXX calls per day.. to both of us! ) Two weeks later.. we were still getting the calls and the payment error ( that THEY made ) had still not been corrected. 

I call again ( I 've now been on the phone with these people for over an hour ) and I finally get an assurance that the error will be will fixed within 24 hours ~and~ that the calls will stop. 
The error is fixed ( although it takes 3 days to do so ) - but the calls continue until their system shows the payment corrected. 

Now - just a week after THAT issue is cleared - I just found out that they did the same thing to the most recent payment ( s ) ~and~ I was charged a 'late fee ' on the account that THEY screwed up last month! 

I am now faced with, yet another, unending series of calls and - as I told them during the last phone call.. I consider these calls to be Harassment! 
Aside from filing a complaint with ConsumerFinance.gov - do I have any legal recourse against them?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: GA

Complaint narrative:
Professional Bureau Collections of Maryland Inc called my cell phone and left a message not identifying themselves. They then called my employer which was not information provided by me to them or information provided by me to XXXX. When they called my office, they refused to identify themselves. They called back again and still refused to identify themselves. The representative that was on the phone was a female and stated that there was no point in identifying herself. She was requested not to call back at that time. I called the number of XXXX back on my personal cell phone and a man saying that he was the manager got on the phone. I also advised him is not to call the employer and he has a good direct contact number for me that he may continue to use. I also advised him that I would be filing a complaint and he said to do what I needed to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
M & T Bank has consistently been harassing me for the last 4 months. They call and agressively indicate that i have no choice but to provide my information when I 've clearly inidcated I am who I am. The first 3 months they called almost 4 times daily. I was delinquent in my mortgage due to a documented illness and out of work for 6 months. They offered me a forbearance despite knowing that I was unemployed and that my STD benefits were often delayed due to a delay in my medical provider provided the necessary documentation. Once the forbearance went into effect, they abruptly cancelled it when I returned to work and without notification. When I indicated that the constant calling would not immediately resolve the issue they began calling more. Then I paid them over {$3600.00} and they still failed a foreclosure notice for the remaining {$2600.00} because I failed to continue to take their harassing calls. This situation is impacting my health and the ability to continue to get well because they refuse to deal with professionally, and did not empathize or offer a amicable temporary solution when they were well aware of my medical and finance situation. I want M & T to cease harassing me, threatening to foreclose on my property even after they have been paid and ask that my mortgage been sold to another more professional financial institute.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: WA

Complaint narrative:
We have been trying to sell our motorcycle and we had someone respond to the add. They said they would send the money via XXXX, but they needed to have the bike shipped to them. They were paying for shipping. Then they sent us a text saying that the shipper was messing with them and they needed us to send the shipper {$1100.00} for the shipping fee and he would add this amount on the the price of the bike. So we did send a money gram. Then the next day same story, shipper messing with him and now they need {$1600.00} for insurance, and he would send us the money via XXXX. He wanted us to send another money gram. We went and sent the money, and then came home and sent the email from him to our XXXX account rep and asked if this was legit. They sent us an email back saying it was a scam. We promptly went back to Walmart and cancelled the {$1600.00} money gram. So we got our money back from that one. But the {$1100.00} is still gone. Now he is sending us an email stating it is from XXXX saying that he has reported us to the FBI as a scam. He is using XXXX email information and a shipping company called XXXX. We have tried to contact the shipping company via email, and the email comes back as non deliverable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
We have requested that Ocwen Loan Servicing correspond with our Attorney to agree upon a loan payoff offer. They continue to delay stating that they do not have permission to speak with a third party. I gave permission by phone and by email.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Ocwen Loan Servicing and XXXX XXXX have committed years of fraud against me and I ca n't get help from anyone. 2008, during pending litigation XXXX XXXX and Ocwen Loan Servicing used forged fabricated documented in court to seek judgement to rescind my Full Reconveyance. My original loan amount that was paid off was {$550000.00}. Ocwen threatened me to either except a {$750000.00} loan modification or they would foreclosure on my home in just days, and threatened if I ever discuss the Loan with anyone they would again foreclose. I filed multiple police reports, XXXX complaints along with evidence of fraud but since the system is so corrrupt I ca n't get help. I sent all evidence to XXXX attorney. Please give me the right to have a fair investigation or please involve the FBI in my matter so they can investigate the fraud that Ocwen throws in my face.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Duncan Solutions, lnc.

Complaint narrative:
Dear customer service, I found recently I have colection in my credit report. 
I visited the doctor in Maryland and I made XXXX. 
I asked the secretary how to get the results, she told me to come next week and I did not request to visit the doctor. When I arrived she told me that I have to get them from the doctor and considers that as a doctor visit. She then obliged me to pay XXXX visit copay of {$30.00} each with a total of {$60.00}. I called I requested to pay my doctor visit of {$30.00} and she refused and told me that she will send to collection the {$60.00}. 
She wanted and obliged me to visit a doctor to get the XXXX ; this is not fair. I used to get the XXXX without a doctor visit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
reporting wrong information loan # XXXX

Company response to consumer: Closed with explanation