vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
I had a car loan with Santander Consumer USA. After paying for many years we requested the company repossess the vehicle. This was XX/XX/XXXX. At a later date we received a XX/XX/XXXX XXXX adding {$5100.00} to our XX/XX/XXXX income due to the amount of the loan adjusted off. Last month I received a XX/XX/XXXX XXXX for the SAME LOAN adding an additional {$4400.00} to my XX/XX/XXXX income for the SAME REASON FOR THE SAME LOAN. I do n't think I should be charged twice for the same loan charge/write off!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I can not believe the level of incompetence and lack of oversight by your agency, the auto industry is rampant with fraud and abuse against consumers. I went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX Owned and Operated bi XXXX XXXX and XXXX XXXX who were previous owners of XXXX XXXX XXXX and were shut down by XXXX prior to their bankruptcy and now they are engaging in the same fraudulent activities including straw buyers and phony income to sell cars to unsophisticated consumers which is a Federal Crime. there finance department is run by a felon, XXXX XXXX and they are taking advantage of thousands of consumers by not disclosing terms and bait and switching at the time of sale with high pressure tactitcs. I attempted to buy a XXXX Dodge Durango with no income or employment I was told not problem all I had to do was come up with {$1000.00} and it would be {$750.00} per month for 6 years, how can this be? I declined and they continued to harrass me, They have been doing this for years and your agency is turning a blind eye to the real problems and fraud being committed. If action is not taken I will be notifiying the NYS DFS, FBI, state and local news agencies and every outlet to expose their fraud and your incompetence at enforcing the laws, I trust this will be taken seriously and you look into this company and it 's owners before any more innocent people are harmed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-18 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Benuck & Rainey, Inc.
State: NH

Complaint narrative:
I received correspondence from Benuck & Rainey on XXXX/XXXX/2015 for an outstanding debt of {$130.00} from XXXX XXXX XXXX XXXX. At the time of the services my mom 's insurance paid for all services ; however, the company claimed that I owed {$120.00}, see enclosed. This company has been harassing mean while I am in school and keeps threatening me if I do n't pay this debt. I am only XXXX XXXX XXXX and I do n't know what to do, so they told me to pay them {$130.00} or else I would have bad credit and would not be able to get student loans for college. I was forced to pay them from my summer 's savings as I was afraid that this matter would jeopardize me starting my next semester of college which would start in just a few weeks. 

No sooner that I had paid this bill, I received another bill from them, this time for {$410.00}. ( see attached ). I was again very surprised and started crying because I do n't know what to do. When I went back to look at my past statements from XXXX XXXX, it showed that I owed only {$94.00}, but again, my mom 's insurance pays for everything. 

I keep receiving phone calls from this company everyday, even when I am in class or out on the field practicing demanding that I pay this {$410.00} that I do n't owe. Despite asking them for proof that I owe them this money, they continue to harass me, they 've even called my other while she is at work, even though I never gave them permission to call her.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Loan Science, LLC
State: IN

Complaint narrative:
Two collection agencies by the name of Loan Science and XXXX has been continually harassing me by phone. It started on XX/XX/2016 with calls from a company by the name of XXXX - XXXX. They have called 1x XX/XX/XXXX ; 2x XX/XX/XXXX ; 2x XX/XX/XXXX ; 2x XX/XX/XXXX ; 1x XX/XX/XXXX ; 1x XX/XX/XXXX ; 1x XX/XX/XXXX ; 1x XX/XX/XXXX. Then on XX/XX/XXXX I started receiving calls from Loan Science. They called 1x XX/XX/XXXX with phone XXXX ; 3x XX/XX/2016 phone XXXX ; 1x XX/XX/2016 phone XXXX ; 1x XX/XX/2016 phone XXXX ; 2x XX/XX/2016 phone XXXX ; 1x XX/XX/2016 phone XXXX. They are looking for a person by the name of XXXX. Both of these companies are looking for the same person. I explained to their representative " I do not know of this person or have I ever heard of a person by this name, and that I am listed on the XXXX and also my State of Indiana Do Not Call List ''. The representative then hung up on me. They continue to change their phone number with each call so it is hard to monitor who is calling. They should not be allowed to harass people on the Do Not Call lists who have no knowledge of a debt that is owed by someone that they have no knowledge of. They should be held accountable for violating the National and State Do Not Call Lists. I myself, have never had a student loan in my life!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: NV

Complaint narrative:
I purchased my vehicle XX/XX/2012 first payment started XX/XX/2012 for a 72 month car loan through Santander at 21.25 % interest .Although some of my payments were late I have been able to maintain making payments never had a repossession, Ive made 49 payments of {$620.00} up to this date. 
This car has been reliable until recently Ive had to put over XXXX in car repairs over last 2 momths and was told I need to get rid of it by the mechanic because its going to be too much to fix now I had to get a waiver from the DMV in order to register the car becsuse it fa iled smog .twice even after the necessary repairs were done. The mechanic which fixed my car XXXX XXXX on XXXX XXXX XXXX. XXXX XXXX Nevada says it would cost close to XXXX for Timming chain and once they take the engine apart its no tellingwhat else theyll find and it could cost me more money. 
Ive been tryingto get a reliabe vehicle and trade thecsr in but no auto dealer want to take negative equity anf apply to a different car. 
Santander is reporting incorrectly my paymemts and not applying payments to my account according to agreement. Santander has alsobeen addeing extra amount to increase my balance during the loan without my knowledge. 
Ive had some difficult times over the life of this loan due to unemployment last year, and prior personal difficulties and needed extnesions on payment. The customer service representstive for Santander gave me misleading information when getting my extensions I was under the impression The 4 extended payments would just be put on the back of loan which would make me have 4 additional months to pay or I could pay extra before the end of loan period to complete the payments. 
I want my account totally audited all of my payments to make sure account is being managed correctly and for my correct balance to be reported correctly on my credit reports. 
This isnt only affecting me and my credit but its also affecting my daughter since she was my co-signer for this vehicle at that time. 
She also purchase her vehicle at thst same time we thought we were getting a deal. 
Santsnder has sold or transferred her loanto another finance company she is also making payments since XX/XX/2012 and feels she is getting ripped off shes saddened and regret cosigning although she was happy to help atthat time. 
please help to resolve this issue. 






my car is only appraising at XXXX now which was done by XXXX. Santander is reporting that I owe over XXXX. 
currently. My credit reports have XXXX different amounts that I 'm supposed to owe Santander.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, National Association
State: DC

Complaint narrative:
Lender has failed to release escrow for 60 days after loan payoff. Lender originally had wrong forwarding address but has now had correct forwarding address and affidavits of non-receipt for 15 more days and has not released check. This loan was paid off XXXX/XXXX/16.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
My loan matured on XXXX/XXXX/15 but Santander Consumer states I still owe XXXX. They will not provide documentation as to the amount after multiple requests. They are predators and now I am filing bankruptcy chapter XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: UT

Complaint narrative:
We purchased a car from a dealership. We then ended up closing on our home and then because of some landlord issues moved twice in the first month after we sold our home. We did n't receive notification of who to make the car payment to until after it was 30 days late for the XX/XX/XXXX payment. We made the extra payment and have been on-time since. We were told by them ( lied to ) that there would be no negative credit reporting on my wife. We are now trying to purchase a home again and there is a 30 day late. I called every number in XXXX Texas that was in XXXX.com and none reach a person. All fake numbers. When you call customer service you get some foreign country, wo n't transfer you to someone in the USA and I held for almost a half hour waiting for a " supervisor '' to see if I could resolve the issue. Based in XXXX, I am not sure they should be doing business here in the USA if you ca n't reach anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: LDF Holdings, LLC
State: OR

Complaint narrative:
My payday loan company 's name is Lendgreen. Not sure where they are located. I took out a pay day loan that I still have yet to pay back as I am completely broke and am now looking for a 2nd job. They call me 3 times a day so I would like to file a complaint for harassment. The screenshot attached is an example of 2 days worth.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Lender reporting loan to Credit bureaus after multiple transfers, so XXXX loan shows as XXXX loans, which severely damages my credit score. 
Loans from XXXX XXXX show as : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX from XXXX XXXX XXXX show as : XXXX XXXX XXXX XXXX XXXX Most of my student loans are repeated multiple time as XXXX and XXXX XXXX XXXX XXXX. All Credit bureaus are not even all the same and this is ridiculous. I was in school until XXXX and all loans should have been in deferment, so there should have been no late or default prior to that, but there are. I also had multiple forbearances granted, so there should have never been a late payment recorded. I am currently XXXX and have been since XXXX, all federal loans were transferred to XXXX and were forgiven, yet still being reported by banks individually, so multiple reportings for the same debt. I will be attaching a copy of XXXX of my credit reports to show this problem. 
I attended XXXX University and XXXX XXXX XXXX XXXX XXXX in Illinois.

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
Consumer complaint received 2016-06-18 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX ( aka XXXX XXXX ) ( AKA XXXX ) contacted us on XX/XX/XXXX to supposedly update our account since it was quiet since 2015. We perform Broker Price Opinions ( BPO 's ) as a side service for real estate firms. XXXX XXXX asked for our " updated '' credit card info, and unfortunately, my wife did provide it on that incoming phone call. 
Turns out we did NOT do business with this company XX/XX/XXXX. My wife found no activity with them in the past, though we HAVE done BPO 's successfully with other agencies. 
My wife also looked up the SCAM reputation of this firm and decided to cancel any further involvement. When she called back THE SAME DAY, no one answered the telephones at XXXX XXXX. No one answers our email. They did charge our credit card {$440.00} that day. 
We have three times told our bank ( CITIBANK ) it is FRAUD, but when CITIBANK contacted XXXX, XXXX told the bank that we have a " current account in good standing '' with XXXX and LDG does not give refunds. 
1. XXXX still will not answer our calls. We have tried phoning and emailing many times since XX/XX/XXXX. We have attempted to cancel an account that never existed in our emails. How can we communicate? 
2. CITICARD/ CITIBANK has twice provided a " CONDITIONAL CREDIT '' but each time has taken back the credit. The bank says we are responsible because of what the merchant told the bank. As of XX/XX/XXXX, the bank is refusing to help us further. 
We have notified the XXXX XXXX, the Colorado State Atty. General, and also the Colorado Division of Real Estate.

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 monetary relief
Consumer complaint received 2016-09-21 00:00:00
Product: Credit card — 
Issue: Other — 
Company: Synovus Bank
State: IL

Complaint narrative:
First Progress Card is reporting that I owe them on all XXXX of my credit reporting agencies. I 've never opened up a card with this company. 
1. I 'm requesting an application with my signature on it 2.I need proof that this account belongs to me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
I 've tried several time to renegotiate the terms and conditions of my payment plan to LOWER my monthly payments based on my income. The offers that the company has extended would offer be well out of my budget based on other financial and medical obligations over the years, forcing me to place my loan into Forbarance/Derferment all the while it increasing the total of the loan because of the interest that builds. As an XXXX I 've been told about forgiveness programs that I 've applied for only to been denied. I 've tried everything that I can and would like assistance with this matter because I feel like my case has been wrongly handled according to the federal law that was passed back in XX/XX/2009. 

Thank you for your time and this opportunity to review my case

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I received a home loan modification and made my payments on time. My modification was officially approved and I just received a phone call from Bank of America yesterday letting me know that my modification was approved. The late payments are erroneous. This is also an FHA loan. 

Now I am not able to get a new mortgage loan because of late payments on my record.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I received a call from Navient requesting payment. I informed them I had not worked all summer and wanted to do a {$50.00} deferment process. The first person told me that if I paid {$50.00} on that day it would bring my account current. So, I did. The very next day I received ANOTHER call requesting that I bring the account current. When I explained to the man he told me " it had not been processed correctly '' and informed me he would take care of it. 
Today, the 3rd day in a row I 've received a call from this company, I was told that the {$50.00} payment ( which CLEARED my bank on XXXX/XXXX/16 and WAS NOT RETURNED ) had been reversed on the XXXX. I checked with my bank and they confirmed it had been paid and was not reversed or returned. 

If there are any late fees due to the negligence of these last XXXX people, I am requesting they be either waved or dismissed considering that I DID PAY TO BRING MY ACCOUNT CURRENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I have been approved for a reverse mortgage however my payoff is approximately $ XXXX. 
Over the course of my Mortgage I have refinanced XXXX times. Each time I used what Bank of America calls it 's " Fast Track '' refinance. This is a method where no documentation is required. I did pay all closing costs for each refinance. It is now my understanding that it is not legal to use this " Fast Track '' more than once, however they did. ( XXXX ) If I was not allowed to refinance through this " Fast Track '' method ( illegally ) I would not qualify for a refinance. The money for closing XXXX would never have been added to my principle and I would not find myself short financially on my existing lien to obtain the reverse mortgage that I seek. 
BofA is refusing to negotiate an option to payoff this existing lien. I would like my closing costs returned to my principle so that I may complete my reverse mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Dear Sir or MadamThis is with regard to XXXX credit cards that I have with the Bank of America. They are on behalf of XXXX. 
A number of times in the past eighteen months I was charged a {$1.00} fee for reasons I do not understand. Each time when I called, an agent removed them. When I questioned what the fee was for, I was told it was because I had a credit and I had not used the card that month. This is absolute nonsense! 

I pay a yearly fee for the card. There is no requirement that I use the credit cards at any time. Yet, one can see in the attached XXXX bills, Bank of America charged me a {$1.00} fee for each of the cards. Payments were not made late. There is no explanation as to why a fee was charged. 
I am wondering if Bank of America is charging a fee to other customers without justification. I believe this matter should be looked into. 

I awat your reply. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
This is with respect to my experience with Bank of America, XXXX, NJ Branch. I contacted them for a pre qualification of a mortgage loan before I can put an offer on a house I was interested in buying. I made it very clear to them that this is just pre-qualification and asked them if doing it will have any impact on my credit report, and if it did then I do n't want to proceed with them. They made it very clear that this will only be a soft check and it will in no way affect my credit history/report. I went ahead with the pre-qualification with them based on this assurance. However to my surprise my credit history was affected as they run a hard check on my SSN. When I contacted them asking for explanation, the person said she was not aware of it and said she was sorry, but said there was no way to fix it. This happened on XXXX/XXXX/2015. I even complained to the BOA redressal cell, but never got a response back from them. They never resolved this issue and I reached out to a person who asked me to call him for resolving the issue and he never got back to me nor to my message.

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 2015-06-29 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
On Wednesday, XXXX at approximately XXXX pm duplicate payoff wires were sent from XXXX XXXX XXXX XXXX account to payoff a Seller 's Bank of America mortgage. Payoff attached. The payoff amount sent in duplicate is {$140000.00}. Wire confirmation attached. The wire hit BOA 's account early Thursday morning of the XXXX. I called BOA payoff department and informed them of the duplicate payoff. XXXX, our bank did the same. Since approximately XXXX on XXXX, BOA stated the recall for the wire to return to the sender ( XXXX ) has been approved and sent. However, we have yet to receive the funds. We have run out of options to receive our funds back, and the only information we are getting from BOA is that is has been sent. I know if the wire has been, we surely would have received it Friday at some point. Please note, these are funds from our XXXX account, and it is imperative that we receive the funds as soon as possible.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17 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: Colony Brands, Inc.
State: AL

Complaint narrative:
XXXX XXXX and XXXX XXXX is reporting duplicateaccount on my XXXX, XXXX and XXXX Credit reports, The amount owing on the account was {$60.00} not {$220.00}. Have contactedthem several times and they have refused to remove this falseinformation. I have contacted all credit reporting agencies regarding this matter also. Please delete incorrect information.

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