vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Premium Credit Bureau
State: NY

Complaint narrative:
On XXXX XXXX, 2015, a " hard inquiry '' was made on both my XXXX and XXXX credit report by XXXX XXXX XXXX XXXX XXXX for purposes of determining eligibility for an " unknown '' reason. That inquiry is damaging my credit rating to date. Be advised that this his writer " did not '' at any time request either a loan or credit card from XXXX XXXX XXXX and/or its affiliates. I contacted both XXXX XXXX XXXX, XXXX XXXX, [ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, FL XXXX ( XXXX ) XXXX ], and Premium Credit Bureau/Dept., Reporting Agency, [ XXXX XXXX. XXXX XXXX, XXXX, FL XXXX ( XXXX ) XXXX ] seeking redress, but to date I have yet to receive a Case Number or a response to my dispute and request for verification pursuant to 15 U.S.C. sec. 1692g of the Fair Debt Collection Practices. These facts withstanding, I am respectfully requesting CFPB investigate this matter and take the necessary steps to remove this erroneous entry from all credit reporting agencies ( i.e., XXXX, XXXX, XXXX, Premium Credit Burea, XXXX ). 

Your time and consideration will not go unappreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: TOTAL MORTGAGE SERVICES LLC
State: VT

Complaint narrative:
Total Mortgage serviced a mortgage for a period of time in 2016 on my house. They have been unable to furnish my tax document for the interest I have paid. I tried calling them, their phone consistently bounces me to their sales desk with someone looking to take my personal information to have a loan officer call me back. They can not give me the number nor can they connect to someone in customer service. They say that they are giving me someone in customer service, but the phone number merely connects right back to the sales desk. This happened more than once. I got a call back from a loan officer and the number used was a local number. The sales rep was located in CT. I think that is a deceptive sales practice. I just want my tax document. It should have arrived by now.

Company response to consumer: Closed
Consumer complaint received 2015-12-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SUN LOAN COMPANY INC.
State: TX

Complaint narrative:
I sent a validation letter to Sun Loan Company on XXXX XXXX, 2015 requesting they provide evidence about the note loan that they claim I owe them. XXXX XXXX XXXX XXXX provided a response to on XXXX XXXX, 2015 stating that I needed to provide a government ID or my social security information. This is a suspicion request since they are not listed on the credit report as a collection agency. I do n't think that I should provide my social security or government identification to this agency.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22 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 purchased my new Truck in XXXX 2016. The dealer said I could n't pay cash and I had to finance it for at least 3 payments. When I got my first statement from Chrysler Capital the principal was {$29000.00} and payoff was $ XXXX.I sent a cashiers check on XXXX XXXX, 2016 for the {$30000.00}. They sent me another " bill '' for {$97.00} for more interest. On XXXX XXXX, 2016 I sent another check for {$97.00}. Now they said they did n't receive it. I sent it certified mail and the tracking mail showed it was delivered XXXX XXXX, 2016 at XXXX and checking with my bank for a copy of the check showed it was deposited XXXX XXXX, 2016. They are still sending me a bill for the {$97.00} plus {$2.00} interest. Meanwhile ( XXXX XXXX I assume / Chrysler Capital sent me a prepaid debit card for {$97.00} for over payment for my loan. I 've called at least 4 times and get a different answer each time and I still have n't received the Pink Slip title. I think from XXXX, 2016 to XXXX, XXXX, 2016 is plenty of time for them to get things settled. 
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
Santander Consumer USA made an unauthorized inquiry to experian on XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: Synovus Bank
State: GA

Complaint narrative:
I had a secured credit card with First Progress Card. I called and had the account closed. I informed the representative to use my security deposit money to pay off the account. They are reporting the account as a charge off on my XXXX credit reports. Ive had the credit bureau 's investigate my claim. They did n't resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
Santander XXXX lender who never proved they owned my loan is not making harassing phone calls to me 3 years after the last payment if a loan in which I satisfied fully. The have n't been in contact with me in three years and have taken action with false reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: Flagstar Bank, National Association
State: CA

Complaint narrative:
I have repeatedly asked this online bank to verify whether they have in any way contacted any credit bureau regarding fees they illegally charged when I closed my account, or will contact any credit agencies, or in any way submit anything negative about my credit rating, and the bank has stonewalled deliberately for months, repeating fifty times only that my account is no longer overdrawn, which I have known for months. The bank does not remotely answer the simple question ; has it taken any action regarding my credit history related to my account closure? This bank should have its license revoked

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: AL

Complaint narrative:
My wife and I have a joint auto loan with Santander. They have placed late payment notices on our credit reports and payments on the loan were made on time. We have contacted Santander about the problem and have disputed the reports, but have gotten no satisfaction. We went as far as sending Santander bank receipts of the on time payments but they refuse to correct the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Filings and Claims Inc.
State: CA

Complaint narrative:
XXXX just called me and threatened me with jail. They did n't tell me what the debt was or how much or who the creditor was. When I pressed, they said in XXXX XXXX and hung up on me. They called from the # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: MA

Complaint narrative:
I just spoke with your customer service who told me to refile this claim as it was determined you can assist me in my case. My fiance purchased a vehicle and this auto loan was financed through Santander Consumer USA in XXXX, TX at 21 % interest. In Massachusetts, it was confirmed by the Attorney General 's office that this is against state law and the usury department at the Attorney General 's office confirmed that the bank DID NOT register or seek approval in advance to write loans exceeding the state cap of 20 %. They are willing to put this in writing. We contacted Santander Consumer USA and they declined taking the vehicle back, voiding the loan and refunding what we have paid. According to state law, the loan is invalid and needs to be negated by a supreme court judge. The legal department had advised Santander Customer service to cease and desist collection practices as of XXXX/XXXX/16, but they could not tell us why. I have full authorization to speak on behalf of my fiance on the auto loan. We have been passed in circles from Attorney General 's office, Consumer Protection Agency, Usury Department of the Attorney General 's office, now to the Division of banks, which then passed us back to your office. Everyone is in agreement that this loan should be null and void, yet no one will assist us past that point. We have made numerous attempts to find an attorney on a contingency fee basis, but we have hit a dead end. We give them basic information, they claim they think they can help us then never return our calls. This bank just settled a lawsuit filed by the Massachusetts Attorney General for predatory lending practices ( charging higher than the state cap ) but since that case was settled, we are basically left scrambling to obtain assistance until they receive enough similar cases to proceed with a new case. We need to stop being referred in circles and actually obtain assistance. We were told by XXXX separate agencies that your bureau oversees Santander bank. The only documents we have are from the bank denying our request as mentioned above. The attorney general 's office is in the process of mailing the document stating they did not register with the AGO to write loans exceeding 20 %. Which is why our loan should be considered null and void.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: MO

Complaint narrative:
I made a payment of $ XXXX over the phone for my XXXX payment. However as of XXXX XXXX, the payment has not been posted. Chrysler Capital claims that the payment was made on XXXX XXXX and because of the holiday, the payment is delayed in posting. I am now 31 days late and now do for XXXX. I have reason to believe that because I called and was upset, Chrysler Capital is being vindictive and delaying payment processing. I believe that this is a form of harassment, that is a violation of the FDCPA. The payment has cleared my bank, and Chrysler Capital admits that the payment is there. They just refuse to post it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: MO

Complaint narrative:
Re : Santander Consumer Finance Since purchasing a XXXX GMC Envoy from Santander Consumer Finance 's Road Loans in XXXX XXXX, Santander 's records document 33 payments received on the account totaling {$9600.00}, and only {$1300.00}, or four partial payment amounts, were applied to the principal. I did not understand or believe it is legal to offer interest only loans. This loan forces me into a perpetual cycle of debt that I can not afford to continue. I am XXXX years old and no longer able to drive the vehicle or pay it off. The vehicle can not be sold because the current value is approximately {$2500.00} and the balance is over {$12000.00}. The original purchase price was {$12000.00} with an interest rate of 26.29 %. I notified Santander in writing on XXXX/XXXX/XXXX of my wishes to voluntarily surrender the vehicle, provided an address for them to have the car picked up, and gave them contact information for my daughter so they can retrieve it. Santander has not contacted my daughter to pick up the vehicle per my request. My daughter also contacted Santander on my behalf to ask that they pick up the car and she provided the address as well. I also informed Santander to stop all communication with me and with my address about this debt. 
I would like the CFPB to : 1. Assist my daughter with surrendering the car to Santander. 
2. Investigate my complaint and notify me to confirm that interest only loans are legal. 
3. Provide me with my options to dispute Santander 's practice in my case. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I have contacted Santander USA regarding surrendering my automobile. What I receive instead is harassing calls ever since. The calls have gone to my employer even though I have spoken to them daily about picking up the automobile.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Threatened to take legal action
Company: Santander Consumer USA Holdings Inc.
State: AE

Complaint narrative:
I just received a phone call from a woman who claims to be a representative from Santander Consumer in reference to a loan where the property was repossessed and re-sold to another party. The caller told me that they could cut me a " side deal '' to where I would only pay half of the debt owed and the other party would be responsible for what was left. When I refused and stated to her that the whole thing do not sound right she ( the representative ) began going into a tirade about how she 's going to offer the other person the deal if I did n't take it and that she was going to put the debt into collections and ruin my credit. She also stated that the company would attempt to take me to court for the balance due. This company first contacted me back in XXXX and I expressed to them then to no longer call me and to deal with the former owner of the vehicle. They called a few times in XXXX and instead of leaving messages they just hung up. They would also hang up when I answered. They stopped for a while and had started back calling in XXXX XXXX. When I would answer they would hang up. They would not leave a voicemail when I did n't answer. Today on XXXX XXXX XXXX at XXXX Arizona time, XXXX XXXX time ( where I currently reside ) they called me and I answered the phone and that 's when the woman on the other end began to harass me. The number where the calls are originating from is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Green Square Company LLC.
State: NV

Complaint narrative:
XXXX/XXXX/2015 - XXXXCall from XXXX , Home phone, she said she has some court documents for me, I told her to serve the documents she tried to claim she was n't from a collections agency and said she was from the Legal Department of PRC . When I told her to serve the papers she also became very rude and hostile telling me I will go to jail for this. I explained to her that I have no problem with litigation. 
XXXX XXXX called my Cell phone asking for the supervisor of XXXX XXXX. I identified myself as such and she said she wanted to know the protocol for serving court papers at work. I told her to feel free to serve them however since she had Identified herself as a collection agency she was in violation of the FDCPA. She then denied she was from a collection agency and said she would " see you in court ''. 
XXXX call this week! 

I have asked for, in writing and verbally, the amount of the debt, the original debtor, and why they believe the debt is mine. I have never been given this information. I have addressed several letters to the following XXXX XXXX XXXX XXXX XXXX, XXXX , NC XXXXThey have yet to return a letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
I was in the process of trying to purchase another vehicle because the vehicle that I have cost to much and i have had it for 2 years. The amount has not went down. It is still the original amount XXXX and that is the pay off. I ask them what have we been paying on and they have me excuses. I ask for management and they still have to talk to customer service. The vehicle is a XXXX XXXX XXXX. My credit report has been sent to several lender and including Santander with reference number XXXX. I bought the car XXXX XXXX and I was told that we trade it within two years with no problem. Now I having problems Santander will not finance me and they pulled my credit report twice and still the same denial. I do not know what is going on the business practice but my payments have not went down. There is some discrimination going on with business practice and it strange that response is the same on the credit application.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: IN

Complaint narrative:
XXXX XXXX, 2015 around XXXX ET someone rings the door bell. My wife, XXXX XXXX, turns on the porch light and asked our son ( who is XXXX years old ) to put the dogs up ( we have XXXX XXXX pound XXXX and a XXXX XXXX. We live on XXXX acres in the county and rely upon them to secure our home and property. A " Beware of Dog '' sign is prominently displayed visible from the street along with a " No Trespassing '' sign. People know to call us before they come to our home so the dogs can be put up ). After the dogs were put up, my wife walked to the door and opened the door, keeping the full-length glass storm door closed and locked. She asked the young lady that was on the porch, how can she help her and who on she was. She stated that she was from " the bank '' and was here to on pick up " the van. '' My wife told her that we did not have a van. The young lady, without producing a business card, any paperwork identifying her firm, said that they know the vehicle is in the garage because " they saw it '' ( to see inside the garage you must go around onto our back deck to look into the back of the garage. My wife, who is not on the loan, asked her did she call me as I had instructed Santander because I was not home ( When I called Santander early yesterday I agreed to surrender the vehicle but someone must call my cell first because as a XXXX I am called out and we have the dogs that must first be out away ). She replied that " he was aware that they were coming to pick up the vehicle tonight. '' This was a lie. My wife again asked her, did you call him, she replied that he had spoken to her boss earlier and she was there present when he ( I ) had spoken to the bank. '' At this time, my wife notices a young man peek around the corner toward the front door. My wife explained to her that she needed to call me and I could take care of this since it was in my name and I had called to make arrangements earlier to turn over the vehicle. The young lady then stated to my wife, because " You are unwilling to turn over the vehicle, that is considered theft and charges will be filed tomorrow. '' My wife and son are both willing to provide sworn affidavits to support what they heard last night.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Grant & Weber
State: CA

Complaint narrative:
This was paid already upon a car accident that happen in 2010, and this is the first time I have heard anything about this money they said I own.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: MO

Complaint narrative:
On XX/XX/XXXX, I entered into a vehicle retail installment contract with Santander Consumer, the loan was for 72 months, at {$390.00} monthly. The loan was to mature XX/XX/XXXX. On XX/XX/XXXX, my account was approved for the SCRA adjustment and my interest rate was adjusted to 6.00 % and my payment was decrease to {$300.00}. This agreement stayed in effect until XXXX XXXX, XXXX in which I had to recertify the adjustment. The application was approved on XX/XX/XXXX with an interest rate of 0.00 %. During the course of the loan I was granted four extensions ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ). With these XXXX extension being placed at the end of the loan my maturity date should have been adjusted on or about XX/XX/XXXX instead my maturity date is XX/XX/XXXX. 
I think the company did not properly adjust my loan balance when they approved my account under the Soldier Civil Relief Act for the 6.00 % interest and instead just decreased my payment leaving my balance total figured at the 15.99 % interest rate. I also do not think they adjusted my balance when they stated my account was at a 0.00 % interest rate either.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I asked by a friend to cosign with her on a car. When the paperwork was brought to me at work I was the buyer and her name was n't even on the contract. I questioned why I was the buyer and not the co-buyer and was n't even informed that she was n't on the contract with me. I signed after hearing the reason why from the salesman but after thinking about the situation asked the dealership to change the paperwork and make it right. My complaint right now is with Chrysler Financial Corporation because I informed them what had taken place and that I was worried about how this would effect my credit. Chrysler Financial Corporation did escalate this to the office of the president and talked to the dealership but because I signed the contract there 's nothing they can do and its up to the dealership. The dealership made material misrepresentations on applications ( me as a buyer instead of co-buyer ) without informing me by phone or written agreement. Never was informed under the XXXX Practices Rule that states " creditors to advise consumers who cosign obligations about their potential liability if other person fails to pay ''. I let Chrysler Financial Corporation know that the car was taken back to the dealership because they misrepresented the paperwork to me that I signed. Never talked to a finance person and as of this day of XXXX/XXXX/15 never been on the dealerships property. So this complaint is about how Chrysler Financial Corporation views my obligation to this contract under misrepresentation by the dealership they finance cars through. Yes I did sign the contract but the only person I every spoke to before signing the paperwork was the sales person.

Company response to consumer: Closed with explanation