vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: AL

Complaint narrative:
I paid my XXXX 2016 payment on XXXX/XXXX/16 online to Santander Consumer USA. Santander 's online payment site gave me an error message and said my card was declined. I contacted my bank and they stated my payment went through and the payment was deducted from my account. I called Santander back and they stated to send a banking statement showing where the funds were deducted from my account. I sent the bank statement, and then the accounting dpt. stated the bank statement was not sufficient and that I needed to send the bank statement from XXXX to current date, to ensure that the payment was not later declined. I then sent a statement from XXXX to current date and Santander said that the bank statement alone was not sufficient that they needed a copy on my banks letterhead that stated my XXXX payment went through. My bank sent a copy of my bank statement from XXXX to current date as well as a letter on the bank 's letterhead stating my XXXX payment went through. My bank sent this and the account dept. for Santander still will not credit my XXXX payment. They said that my payment did not go through and the bank gave me my money back. I looked at the statement and my bank did not credit me my money back for the XXXX payment that was made. They credited my account for an additional car payment that was taken out of my account without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: DE

Complaint narrative:
I was given an auto loan through Santander Financial XX/XX/XXXX for a little over XXXX. Payments of XXXX monthly. As of today XX/XX/XXXX I am still showing a balance of over XXXX dollars. Never missed a payment. They representative stated that any late payments are added to the interest of the loan at XXXX for each day late. Even if this were the case I would 've had to accrue over 365 days late to reflect the current balance which is impossible since I 've only had the car a little over a year. Then I was told my loan total was XXXX which is a complete lie and if it were true that means I would 've paid XXXX dollars within the last year which is also false information according to the records

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 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: Green Square Company LLC.
State: OH

Complaint narrative:
XXXX XXXX and Government Agency regarding my deceased mom Government funds continually deposited into my mother 's account after she passed away ( four years ago ). Government sent reclamation, bank has not returned the funds, money is in account and always has been. Government has deposited, withdrawn, and re-deposited funds continuously. I have been told it is my problem, not the government or the banks! I DO NOT HAVE THE FUNDS, the bank is holding them, why do n't they return them???? I have now been turned over to collections, the amount now due is up about XXXX to XXXX XXXX ( fees, interest etc. ) They have also turned this over to my credit history. I have been called and threatened with arrest, garnished wages etc. I DO NOT HAVE THE MONEY, NEVER DID, I AM NOT ON THE ACCOUNT, HOW IS THIS MY DEBT? There is no missing money, it is in the account which I have no access to. It is not really a debt since the bank has not returned it, how is this my debt? I must emphasize to you, the money is in her account, I ca n't get anyone to resolve this. I am now facing legal issues ( and expenses ) for a problem not mine, not created by my mother or myself. We have XXXX huge agencies who have failed to do their jobs and I am being harassed and threatened for money that has never moved except for the government taking it and putting it back. Who is responsible for these transactions, not me. Why has this gone so far and for so long, seriously, how is this even possible. Please help me to resolve this and to have my credit restored. I continue to be humiliated, defamation of character, embarrassment, threatened and the mental stress of this has gone beyond imaginable. Someone please resolve this, I do not know what else to do.

Company response to consumer: Closed
Consumer complaint received 2016-05-27 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 financed a vehicle in XXXX XXXX with Santander consumer USA. My first payment was XXXX XXXX I was XX/XX/XXXX I payed XXXX of the payment which was XXXX all together. XX/XX/XXXX came I made a payment of XXXX to my account which would cover all of XXXX including the late fee so that would make behind for XXXX XXXX they are now telling me I owe XXXX ca n't explain why and they keep calling me even when I tell them I 'll make a payment on a certain day early as XXXX I understand I 'm late for XX/XX/XXXX which would be XXXX plus the late fee I just do n't get how I owe nearly XXXX .i just want to be treated fair not being a victim to fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: MI

Complaint narrative:
I refinanced my vehicle loan through my bank ( University XXXX Michigan XXXX ) after my loan went into collections with my initially loan company ( Santander Consumer ). I have since paid off the loan in its entirety but the company ( Santander Consumer ) continues to post a negative status to my credit report monthly causing my credit score to be affected negatively. I 'm currently in the process of purchasing a home and this is causing issues with my home loan. I have the documentation of the payoff amount and date is was paid but they still refuse to stop reporting to my credit report after multiple requests from myself and my mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Previously had a vehicle loan with XXXX c. XX/XX/XXXX, which was sold /assigned to Santander USA ( c. XX/XX/XXXX ). This was for a XXXX Ford Explorer. Between XX/XX/XXXX and XX/XX/XXXX I was underemployed, then later unemployed. In approximately XXXX, XXXX, the vehicle sustained either internal or external damage to the Transmission. The Transmission was found to be in need of repairs that would cost somewhere between $ XXXX {$1500.00}. I subsequently sold the vehicle as scrap to a junkyard. 
Santander HAS CHARGED THE REMAINING BALANCE OF {$800.00} OFF. 
They are now calling me ( from : XXXX ) ATTEMPTING TO COLLECT THIS DEBT. I know longer have the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 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 originally took a loan from Santander on XXXX XXXX, 2012 in the amount of {$29000.00}. The loan was for 6 years ( 72 months ) at {$790.00} per month. To date I have made a total of XXXX payments, which totals {$24000.00}, and only {$4100.00} has been applied to the principal. With all the payments that I have made {$20000.00} has been take for interest and only {$4100.00} applied to principal. At this rate I will be paying this loan for another 20 years before it would be payoff. 
I spoke to a Santander agent to get some clarity on why so little of my payments where being applied to the principle, the answer I was given was that is how Santander calculates there payments. There is something unfair about the why payments are being calculated. A great example of this is my payments for XX/XX/XXXX and XX/XX/XXXX of this year, both payments were made on time, but my entire payment for XX/XX/XXXX, {$790.00}, was applied only to interest nothing went to the principle. How is that possible? This can not be fair practice, if payments are being made on time and nothing is going towards the principle of the loan, something is wrong. 
I have made 31 of the 72 payments of this loan which is % XXXX of the total loan payments agreed upon, yet I have % XXXX ( {$25000.00} ) of the principle left to pay. There is a great injustice in this. 
I would like Santander to correct this account ( XXXX ) so that the principal remaining reflect that 31 payments of {$24000.00} has been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 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:
A local auto dealership sold my daughter a truck this last spring that she can not afford. The basis of my complaint is the dealership stated my daughters annual income was more than twice of what her actual income is. The lender has taken the position this loan is a no income verification loan so the responsibility falls solely on the shoulders of my daughter. In addition, the lender stated since my daughter signed the credit application that listed her income with the inflated amount she is responsible not the dealership. My daughter trusted the closing dealership finance manager and signed this document blank. My daughter provided income detail in the form of previous two months bank statements revealing her true income. 
The finance manager justified the monthly payment amount is affordable by saying " if the lender approved it you can afford it ''. 
The lender is XXXX and they have chosen to assign total responsibility to my daughter and not the dealrship. 
Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: LDF Holdings, LLC
State: OH

Complaint narrative:
I ran into problems paying them back and worked out an installment agreement. I requested ( XXXX ) times verbally for them to cease and desist from all attempts to call me because they kept calling me at work. I asked them to stop calling me at work but they continued to call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: AZ

Complaint narrative:
What. I bought a Ford focus thru santander in XXXX XX/XX/XXXXthru my car dealer. Then the car was in accident XXXX XX/XX/XXXX and was totalled. The insurance PAID the car off in full. The car dealer returned my service contract money to them also. So they received over XXXX. They accepted the payoff. I have all copies of the insurance paperwork. Well now santander had turned it over to not XXXX but XXXX collection agencies. Nib management. And also Denville management. Ncb management is saying XXXX is owe and deville management says XXXX. That 's crazy it was paid off XXXX XXXX. Every thing is paid off but yet these companies. Santander and there XXXX collections agencies are down ng illegal practices. Please remove for all XXXX credit bureaus. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
I had a car with Santander Consumer USA. The car was totaled and my insurance paid the car off. This account is reporting late & was never late. My insurance company paid the car off. This reporting does not reflect my credit worthiness, and has severely affected me. I was just made aware of this reporting from my employer. I work with consumer financial info and I am required to keep a certain credit report. This inaccurate reporting can lead to termination of my job, Please correct this and delete this late.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-28 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I apply for a Loan with no interest for XXXX month. Very small amount. Everything was approve and sing for. XXXX or XXXX weeks later I get the regular payments plus an interest of 29.9 %. I call the bank and the only they can say is that they do not have any promotions and ca n't help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07 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: FRIC HOLDING CORPORATION
State: CA

Complaint narrative:
XXXX XXXX bought a 10 year old judgement from First Resolution. Never informed of anything and had never heard of XXXX before they stole all the money out of my bank account on XXXX/XXXX/2016. Called them, they informed me that I was returning my own mail. That 's a lie.I understand that XXXX is a form of a boiler room for layers, I get that. They have more than doubled the debt, and I have no clue where to go from here.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANKUNITED, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I XXXX XXXX I got a mortgage with PMI from BankUnited, XXXX. At that time I received the Federal Truth-in-lending disclosure and the PMI was set to {$370.00} for the XXXX XXXX payments and to {$67.00} for the next XXXX payments, and no PMI thereafter. 
In XXXX XXXX the PMI increased to {$410.00}. BankUnited did n't send any notification. In XXXX XXXX I noticed a very small decrease XXXX to {$410.00} XXXX, again without receiving any notification. 
Every year, in XXXX, after receiving the escrow account statement, I inquired about these PMI changes calling the bank. I spoke with several representatives asking about the PMI change and the reason for this change, but it seemed they did n't have the knowledge or responsibility to provide an answer. Every time after these phone calls, I was told to expect to be contacted by someone else from another department, but only thing that happened was to receive courtesy letters with the conditions to drop the PMI, totally not related with what I asked about. 
This year I insisted more and I got to talk to a representative that explained to me there 's another company that charge this PMI and she will contact this company asking for the answers for me. I called back few times and I was told that the PMI company did n't reply. 
It 's been three months since I 've started this endeavor this year and still no explanation. I called back XXXX about XXXX weeks ago and the representative told me she would follow-up with them ... again. I still have n't received any call back. 
I had XXXX loan modifications during these years, in XXXX and XXXX, but the new documents did n't contain anything regarding the PMI and there was no new document added that mentioned the change in PMI. Moreover, the dates when the PMI changed were not related to the dates the loan modifications occurred. I was told also during the discussions I had with the bank 's representative that the PMI was n't affected by the new loan conditions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: AES/PHEAA
State: WI

Complaint narrative:
This began as a hunt for information, and after over a month of being provided with information that was different from what I requested, I found out that there is no record of the information about my account that I am requesting. 

My subsidized loans were in deferment from the time my grace period ended until XX/XX/2016. They were then supposed to reenter deferment on XX/XX/2016, as I returned to school. The deferment did not begin until sometime in XX/XX/XXXX, and in that time I was still paying interest on my loan payments. I had no idea how much interest was actually on the account, because my bills only showed " outstanding interest '', which was VERY different each month. 

Fast forward to two weeks before my loans came out of deferment, and I paid over {$15.00} in interest on an early payment I made. I requested that the interest be applied to principal because there should n't be any interest to pay ; they told me I owed interest. My loan came out of deferment, and over {$15.00} ( 'outstanding interest '' ) was capitalized. Based on my records, I paid more than the total amount of money I should have owed in interest in total in the two weeks leading up to my loan coming out of deferment. I requested specific details about all interest ever on my account ; they showed me principal and outstanding interest only. I requested this information again, being more clear than before that I needed to know all INTEREST. They gave me the exact same document as before, this time only with more recent dates. 

I finally just asked to see how much interest was on my account when it went into deferment. Apparently, they do n't actually know. 

I 've never heard of such poor record keeping or transparency with someone 's money in my life. 

Based on the calculations I 've tried to make, with the help of my mother, who is an accountant, very little of what I have paid has made any sense. The interest is especially unclear. But thy continue to avoid providing me with the necessary information to figure out what my account balance should actually be, and today informed me that they do n't actually have a record of how much interest I was supposed to owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Credit Card Receivables Fund Incorporated
State: DE

Complaint narrative:
I received notice on my job about a wage garnishment. However, I was not notified of a court hearing. This debt is on a credit card which I have not made any payments for over 10 years which far exceed the statue limitation on a debt in the state of Delaware. I have lived at my present address for over 8 years. I was not contacted over this time period. Nor did I make any payments. I was not notified where to send money. I do not remember having an account with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC

Complaint narrative:
XXXX has installed chip readers at its checkouts. If your credit card has a chip the device will not allow you to swipe the card. Once you insert the chip the device asks for your pin. There is no way to process the transaction as a credit card. You are forced to use your debit card. This deprives the consumer of the customary protections credit cards provide and unfairly enriches XXXX by eliminating swipe fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
Medical Bill my ex-wife failed to properly submit to correct insurance went unpaid and I was not notified or ever received a bill until I saw the negative mark on my credit report. I made immediate payment while still proceeding to have the correct insurance coverage applied. The collection company is refusing to remove the fraudulent derogatory mark from my credit reports.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Fay Servicing, LLC
State: IL

Complaint narrative:
I had a mortgage on my building and my Mortgage Company failed to allow me the opportunity to refinance my property instead of foreclosing on it. They would not decrease the monthly payment so it was not feasible for me to make payments. The offer they made was more than what came in from rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Service Company, INC
State: CO

Complaint narrative:
Hello, I have been in communication with Credit Service company Via certified mail regarding XXXX collection accounts. I have requested validation from Credit service company, and in response they have sent me a statement for both accounts. I have absolutely no knowledge of the following company's:1- XXXX od XXXX2- XXXX. 

I have explained this to Credit services Company In which they refuse to investigate. I have contacted the credit bureaus in return thay have stated Credit services company has validated the debts. I attempted to contact both XXXX XXXX and XXXX which referred me back to Credit Services Company. I have been in dispute with Credit Services COmpany for months with no response, Now they keep demanding money to these debts that I have no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA
State: CA

Complaint narrative:
My student loans were transferred over to Fed Loan servicing in order to have an income based repayment plan. Working with them from the beginning has been a horrible experience. I have had to consolidate loans in order for them to be eligible for IBR program and they made multiple mistakes on the consolidation, mistakes that I had to be diligent and catch and when I did and had them fix it another mistake would happen. A easy consolidation process took 5 months to complete, in return adding interest to my loans that I am obligated to pay although it was a mistake on FedLoan Servicing part. Since I have over XXXX in student loans this interest that accrues is a lot. I have called them 2-3x/week for 5 months to make sure things go correctly and they still make mistakes. When they make mistakes they do not fix it in a timely manner. Everytime I call I speak to someone else who does not know what is going on so I have to repeat my situtation every single time ( which calling 3x/week and repeating myself is very frustrating ). I absolutely HATE their service and if I knew I could choose a different servicer from the beginning I would have but this is what my federal loan directed me to. I have lost a lot of money and valueable time dealing with them.

Company response to consumer: Closed with explanation