vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-09 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: WA

Complaint narrative:
The company SANTANDER continued to request payment for the Acura they had in their possession. They took the car and charged collection as though I still owned it. This is theft. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I purchased a car over two years ago and Santander Consumer USA financed the loan. I was not aware at the time that the interest rate was over 16 %. This high interest rate raised my car payment to well over {$640.00}. At the time of purchase I was able to make the payment but after being demoted and pay rate being decreased, I contacted Santander for help and they offered me an auto loan modification for six months which lowered my car payments to a little over {$380.00} and I was able to make the payments for that time. I decided to seek another car and attempted to trade the car they financed in for a cheaper and more affordable car payment only to find out that the pay off for this vehicle was over {$30000.00}. I was told by the dealer that I was victim of a predatory auto loan where all of my payments were only applied to interest and not principal. I am trying to find out if this type of loan is legal and is there anything I can do to get them to lower my auto payments. The dealer stated the large payoff amount is the reason why I can not get into a cheaper car and why my principal payments are not going down? I have made payments in the amount of over {$12000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Green Square Company LLC.
State: TN

Complaint narrative:
I have received a phone call from a company called XXXX. They called today and made a threatening phone call that I have a check from 2008 that needs to be paid. Stated that they will turn it in to my sherriff 's dept if I do not resolve it tonight. He also stated that he needs a statement from my attorney to release me?? The gentleman on the phone was no gentleman. He was very rude. Would not let me talk. I asked for detailed information. He stated he does not need to send me detailed information as it was public record. He has my bank information, my ssn, very private information. This is very disturbing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Santander Consumer USA Holdings Inc.
State: MI

Complaint narrative:
I have a loan with Santander consumer USA. My loan amount is XXXX, I make a monthly. payment of XXXX. According to my statements, XXXX is the payment, and XXXX is interest. But when the payment is applied all overage is applied to interest. I have called in several times to have the payment overage applied to the principal. They just will not do it. I keep getting told I have to wait for the request to be processed, 3-5 business days. The last time I called in, XX/XX/2017, another request was put in to their finance dept by XXXX ( a supervisor in there off shore customer service office ). Now she tells me I have to wait another 5-7 days. meanwhile there is over XXXX dollars applied to interest instead of principal. How do I go about getting this issue corrected. Thank you for your help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-07 00:00:00
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I return their call about being past due and they did give me offer if I paid one payment now they would wave two payments off my bill making me one payment behind I told them I 'm not working at the moment and there 's no way I can afford this car and was scheduled at that time to be sent for repo I gave them my current address and so they called again the next day I told them again nicely that I do n't have a job I need to pick up a repo gave them my current address and then we 're getting calls from my in-laws that they 're calling them asking for me and telling them what about the car xcetera and they have my phone number my current address but anyway it goes on the next day they call me again I answered this time I get a mad and and ask them why they 're not communicating with each other and their own company give them all the same information again then literally the next day they call again and this time I 'm nice again and I told the guy about how they 're calling my mother-in-law and calling me everyday after it 's already been for repossession stop harassing me that worked for about 2 days and now my mother-in-law calls me again n well she 's XXXX XXXX I 'm really not her business about this repossession and she does not need to be harassed expecially when is already given my current address they have my phone number and they are in contact with me and I 'm just waiting on the tow truck driver to call me and say hey meet me out and give me the key I really want this harassment to stop I am currently unemployed I owe lots of bills I 'm fully aware of my obligations financially but at this moment in time I am on food stamps and government assistance looking for work my wife and I both

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
XXXX XXXX Santander Consumer issued the following statement regarding the warranty refund of my vehicle : " With regard to the status of the warranty refund please be advised that the customer is responsible for any further follow up with the warranty company regarding the processing of the refund. We respectfully suggest that you contact XXXX for an update on this matter. So I did just that. Contacting XXXX ( an XXXX XXXX XXXX XXXX about the warranty, and here 's what i found out. Speaking with a Sguard representative named XXXX, she stated that Santander consumer was refunded back 100 % of the warranty and that Santander wanted the refund expedite. The warranty was cancelled by XXXX on XXXX XXXX, 2015. And Santander was indeed the company that funded the warranty. ( see attachments ) XXXX placed me on a brief hold to get her supervisor named XXXX who confirm this, but refused to give anymore information on this matter. XXXX stated that she would have XXXX XXXX in Legal and Compliance contact me with more information. At some point someone has to see how corrupt Santander is, their main purpose is to exhaust all their avenues rather than refund the warranty. When I do buy a car again you can best believe Santander comsumer USA, XXXX will not be financing my vehicle. This the most unprofessional, corrupt business I have ever had to deal with. Good luck with any and all lawsuits against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: OR

Complaint narrative:
My current auto loan, with Chrysler Capital is not reporting my payments correctly on my credit files, affecting my FICO score. I have tried multiple times to contact their credit department and they will not return my phone calls. I also sent an email to OPPOFFICE according to their website, is the officer for finance, only to receive a return email stating to call the same number I have been calling. 
On XXXX/XXXX/2015, I called Chrysler Capital Customer service customer service number, and tried to speak to a customer service representative in your credit department only to be told that I had to leave a message, which I did. I did not receive a return phone call. 
On XXXX/XXXX/2015, I called Chrysler Capital Customer service, and tried to speak to a customer service representative in the credit department, only to be told that I had to leave a message, which I did. I did not receive a return phone call. 

On XXXX/XXXX/2015, I called Chrysler Capital Customer service, and tried to speak to a customer service representative in the credit department, only to be told that I had to leave a message, which I did. I did not receive a return phone call. 
On XXXX/XXXX/2015, I called Chrysler Capital, and spoke to a representative that was NOT in the credit department, and complained to him, and asked why I was not getting a return phone call, only to be told he does not know why. I asked to speak to a manager, and was told no one was available. 
I was recently turned down for a line of credit, because they state my payment history on this loan is showing like I am not paying my loan on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: FIRST CITIZENS BANCSHARES, INC.
State: SC

Complaint narrative:
I obtained a 30 year variable conventional mortgage from First Citizens Bank and XXXX XXXX on XX/XX/XXXX. The First Citizens representative never asked me if I would qualify for a VA mortgage. Had she done that, I would have opted for that ( VA ) mortgage instead of the XXXX I wound up with. What I found out after obtaining the conventional mortgage was that included in the monthly payments would be a PMI of {$120.00} per month. If I had the VA mortgage there would not be any PMI at all. I feel that First Citizens should have told me about the VA mortgage instead of just telling me about the conventional XXXX. 
It was not until I spoke with an agent from XXXX XXXX in XX/XX/XXXX that I was made aware of the fact that I should have a VA mortgage instead of a conventional XXXX. Since that time I now have a 30 year VA mortgage with a fixed rate which does not have any PMI attached to it. My complaint is should I get reimbursed for the years of PMI which I was paying due to First Citizens failure to inform me about the VA mortgage. 
What makes matters worse, is that the original mortgage was sold to XXXX XXXX XXXX which eventually folded and XXXX picked it up. XXXX has sent me a letter stating that they are not responsible for the PMI problem because they, " Did n't originate my mortgage loan ''. 
I hope that my explanation of what transpired will be sufficient for you to help me out with this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: GMFS, LLC
State: TN

Complaint narrative:
Please help! My home was sold in a foreclosure auction on XXXX XXXX,, 2016. We were notified on the day after XXXX XXXX by the person whom purchased our home from the investor. My husband and I were not notified that our home was in the foreclosure process. The Mortgage company stated on XXXX XXXX that we were 9 months behind on our mortgage payment. We mailed them via Money order and currently having them tracked down to find out where they were cashed or if they were just lost in the mail. However the mortgage company also stated that they sent certified letters notifying us. However, we do not have any of them either. 
XXXX My 1st question is does the mortgage company or the trustee have to post the auction in a PUBLIC newspaper? as well as the home owner to be notified ( served ) paperwork prior to the sale. We had no idea that our home was being sold. 
XXXX

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 2016-01-20 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: American Capital Enterprises, Inc.
State: CA

Complaint narrative:
American Capital Enterprises , Inc. said I owe a debt for my son, As I have no sons, I am confused. I do have XXXX daughters, but XXXX of them were at or over the age of XXXX at the time they are saying the debt occurred, so I would not be responsible for their debts. 

They also said they did not have my address, even though it was part of my last complaint. For the record, my mailing address is : XXXX XXXX XXXX XXXX, XXXX, CA XXXX. 

I request # 1 proof that this is my debt with my signature, # 2 proof that this debt was assigned to them and # 3 proof that this debt can legally be assigned and collected by a 3rd party ( again, I need a signed contract showing this ). If this proof can not be provided, they are in violation of the fair credit laws and reporting such a debt on my credit report is illegal. 

Also for the record, I am disputing this debt and all the legal responsibilities and rights that go with this need to be enforced by American Capital Enterprises , Inc.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA
State: WA

Complaint narrative:
I requested an income driven repayment plan to help me pay back my student loans since I am currently unemployed. Every time I call no one knows what is going on with my account, my student loans, or my income driven repayment request. I 've been lied to, hung up on, put on hold with nothing but dead air so it sounds like they 've hung up on me for thirty minutes straight at least, I 've been redirected to the make a phone payment area when I 'm just trying to get an income driven repayment plan, and make my payments on time so I do n't default on my loans and ruin my life worse than I apparently did when I took out the loans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-10 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Overton, Russell, Doerr and Donovan, LLP
State: NY

Complaint narrative:
I received a letter in XXXX from the lawyers office saying that I owed {$1300.00} I am immediately called them and asked if that was all that was owed they said yes I have made over {$700.00} in payments to this account yesterday I got a letter in the mail saying that with the same account number they now have a judgment against me for {$1400.00} when I called and asked how this could be they said they added {$800.00} in interest but I do n't understand how they can do this when the second amount is more than the first amount I need a lawyer that can help me they are financially harassing us I am afraid this is never going to stop with these people

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: OUT TECH, INC.
State: PA

Complaint narrative:
Creditor never made contact, or attempted to give billing information so I could pay this debt. I never got a bill, was never told the account would go to collections, and the collection agency never provided information pretaining to the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
Several years ago, I went through a divorce and had to sell my marital home through a short sell. At that time, I had a equity line of credit with SunTrust Bank. They refused to forgive the debt and negotiated with the buyer for me to assume {$16000.00} of debt to be re-paid over a ten year period. I have now reached an age and point in my career where I need to settle down and buy another home as I prepare for retirement. I made an offer of settlement and the bank will not return my calls or when they do, have lost my file.

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 2016-04-06 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
On XXXX/XXXX/16 I checked my balance online, prior to making a purchase at XXXX XXXX XXXX. It said my balance was {$70.00}. I had a an item pending, but my available balance once the pending item was applied, was still plenty enough to cover my purchase. I purchased {$30.00} at XXXX XXXX XXXX, and went home. That night I looked at my balance, as I do daily. I had money available, although I do n't recall how much at that moment. It was a positive balance, and I saw my XXXX XXXX charge go through for {$25.00} ( less the tip amount, which was {$5.00} ). The next day, on XXXX/XXXX/16, I believe I did n't glance at my balance at all, or make a charge. On Friday, XXXX/XXXX/16, I took my sister to the airport and paid for {$2.00} worth of parking, and we got some ice cream for my kids. Since I had n't used my card since the day before, I was sure I had enough to cover the {$15.00} ice cream and the {$2.00} parking, which would have left my balance at {$22.00}. I did n't see this as a problem as I had a deposit that the depositing bank had emailed me about that stated it was due to post to my bank account on XX/XX/XXXX. I assumed that would occur, and either way my balance was positive. That night I paid {$15.00} toward a presidential campaign donation. Right before I went to bed, I wondered why my bank had not yet posted my deposit, but still I had a positive amount of money in my account. Saturday, I woke and looked at my account, hoping the deposit had finally posted. It had not, and I had now a negative balance, due to XXXX overdraft charges that were erroneously charged to my account beginning with the XXXX XXXX charge. So, this here is the problem. At no time prior to that morning, did my account say I was negative, nor did it say I did n't have enough to cover the very first charge I made, that they say made me overdraw. My balance online still reads {$70.00} prior to the XXXX XXXX charge, and they charged me {$38.00}. Next they charged me another, and another, all snowballing because of the first erroneous fee. It continues on today. I have spoken to the bank on three occasions. Once by phone, when the Rep just told me I was overdrawn, which obviously was not true. The next time I emailed, and was given a basic default response, that had n't much to do with what I 'd emailed about. The third time I contacted again by email, no pretty upset. I was given a response that they would look into the matter and either way call me immediately. That was two days ago. No call, no answer. I want my money back, and hope you can help. As of today, XXXX/XXXX/16 they have fined me {$220.00}. When my deposit came through finally on XX/XX/XXXX, I withdrew the money at the ATM. Then, they fined me for that!!!! I clearly had that money in there. This is just ridiculous.

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 2016-07-15 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Texas Guaranteed
State: TX

Complaint narrative:
I have a Texas guaranteed student loan-which originated 1st with XXXX XXXX XXXX and has been transferred to Texas guaranteed student loan corp. Im contacting you because unjustified wage garnishment of Temp worker, because the lender is unwilling to accept less money than possible. Also, the amount of loan is in dispute as I believe I only took XXXX loan and because they transferred the loan so many times, they say I owe twice as much in XXXX loans. I requested copies of original loan agreement w signature and they only sent a statement and not original docs. XXXX/XXXX/2016 wage garnishment is supposed to take place. Also, 2 years ago, I submitted for a payment plan and was told {$45.00} was my payment which I agreed to do, provided all information, and then while I was waiting for approval, was told I needed to give address of reference, and I did call to do so. The person who i spoke with didnt submit the information of address, then because of the lender employees fault of not submitting was told I was turned down and had to do everything from the start. 
I have told the lender the situation and they only said now they want {$350.00} now to negotiate. Im a temp worker. I had unemployement for XXXX week this month, and they wont renegotiate to what I first was approved for. {$45.00}. They want me to go through the whole process again although I did everything they asked. 
I want to be a plan of {$45.00} as I agreed long ago and copies of originals. And no wage garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Credit Karma, LLC
State: FL

Complaint narrative:
Some of the information on my credit report is not mine credit inquiries XXXX XXXX XXXX is false and also there 's a credit for auto loan I do n't even have a car Someone is using my information none of the identification answers where mines help me please

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Texas Guaranteed
State: FL

Complaint narrative:
TG continues to call me multiple times per day, as early at XXXX and as late as XXXX. They continue to call even though I have asked them not to. They called my employer and proceeded to ask them personal information about me and where I live. They even asked my employer to verify my Social Security Number.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-11-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Capstone Credit & Collection, LLC.
State: FL

Complaint narrative:
I lived in a Apt Complex - ( XXXX XXXX XXXX ). Stove caught on Fire. It burned part a cabinet and smoke all over the kitchen and living room. I have Fire Dept report it was n't a grease fire. It was undetermined. I always paid on time. never broke my lease, Send certifies letters to find out why they continue to report to my credit as collection when I am not responsible. No one can answer but send me copy of invoice that was sent to them from Apt complex.

Company response to consumer: Closed