vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-21 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Flagstar Bank, National Association
State: NJ

Complaint narrative:
I applied for a mortgage refinance with New York Community bank XX/XX/XXXX with a 60 day rate lockin. No one from the mortgage department communicated me the status on the loan after repeated attempts. Finally after speaking to management my loan was approved and closing was confirmed for XX/XX/2016, however, even after confirming the closing time, date and place the bank representative did not show up at closing and never bothered to communicate to us that closing would have to be postponed. ( UNPROFESSIONAL on the part of bank and Title company ). NYCB mortgage company points a finger at the Title company ; maybe it was the title company but NYCB mortgage still failed to communicate to me the customer that the closing would have to be postponed. I went to the bank branch for a closing with the appropriate documents and closing money and no one at the bank had any idea about a closing to be done at that branch, ( again NYCB mortgage department failed to communicate with the NYCB bank branch ). NYCB Mortgage Company operates in a very unprofessional, unethical and incompetent manner. I ended up cancelling my mortgage application and went with a mortgage broker and got better service.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: WI

Complaint narrative:
Credit reporting error. I had a balance in XXXX XXXX and paid what I was told the payoff amount was. Then Santandar reported the {$4.00} late at XXXX days! They also sent me a REFUND check # XXXX for {$330.00} in XXXX XXXX for an OVERPAYMENT! I disputed the XXXX late this past summer, and they made it worse by changing the account to " Charge Off '' ( {$4.00}!! ) with an incorrect date of XXXX XXXX. Account was paid and closed in XXXX! They must remove the account not reporting correctly from all XXXX bureaus, of both mine and the joint borrower immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
i received a reply from HSBC on case # XXXX, here is my loan # i had with them XXXX, they didnt have enough information to process my loan, yet i called and was given my own account # hmmmmm. I PAID this loan off, it was NOT transferred. Also they show my last payment late XX/XX/XXXX when loan was paid, my last late payment XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: MO

Complaint narrative:
Well they charged me a significant amount of interest on the car loan and resulted to me filing Bankruptcy which now they will not release the vehicle and continue to hold it even thought their contempt under the bankruptcy law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: UT

Complaint narrative:
Attempted to get into an auto loan for a vehicle on XX/XX/XXXX. Credit score at the time was horrendous, yearly income XXXX gross. Was told that I could be financed ( predator loan ) for the amount of XXXX dollars at XXXX dollars a month, and could refinance for a better rate when my credit score went up. Payments have been going majority toward interest for 12 months, and not principal. Credit score has risen nearly XXXX points in 1 years. Attempts to refinance are not accomplished, negative equity keeps building on the vehicle. Vehicle now worth under XXXX dollars. Was told by banks that unless I dumped money into the vehicle, I would NEVER be able to catch up on equity. Attempted to contact lender on XX/XX/XXXX to negotiate monthly payment. Lender would not negotiate monthly payment. Stuck in a vehicle I should not have been financed for in the first place. As of XX/XX/XXXX amount owed on vehicle is XXXX with a payoff of XXXX with XXXX total paid ( XXXX " late fees '' for distributing monthly payment in half, XXXX in interest alone, and only XXXX towards principal varying from XXXX any given payment ). Monthly Amount is beginning to stress financial situation ( life changes ) and there is zero negotiation or chance of refinance without default of payment, repossession, or bankruptcy ( no actual reason for bankruptcy at the time ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
Santander Consumer USA is practicing unfair loans, they add interest to your car daily along side the interest that 's already added. They also make it where if you pay on time, that they find a way to get your payment late to add interest, please help do something about this company im begging you ive paid XXXX dollars on my loan and only XXXX dollars of it has been applied to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07 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: Benuck & Rainey, Inc.
State: MA

Complaint narrative:
In XXXX 2015 I was contacted by this collection agency who wanted me to pay a bill for radio station air-time. I never ordered radio station air time ( my son owns a bar in XXXX and he may have, but I never did, have no connection to the bar or the radio station ), and asked them by phone and mail to cease calling me. In XX/XX/XXXX they called again. I sent a XXXX General Law 93A letter, by certified mail demanding they stop. I see they are checking my credit burea report. I complained to the XXXX XXXX Police Dept and they were told they stopped calling me when they got my XX/XX/XXXX letter ... an untruth to Police. So, I want my complaint heard, investigated, and some administrative action taken against them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: MN

Complaint narrative:
In 2012 I took a car loan of {$18000.00} with Santander Bank after 4 years I still own {$15000.00}. I made XXXX payments of {$450.00} a moth and all my payments goes to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
My monthly payment for my car is {$390.00}. On the payment form is a space for " Additional Principal '' so in XXXX I wrote " {$300.00} '' and sent a check for {$690.00}. They applied the extra amount as a partial XXXX payment of Principal and Interest, and have sent me a bill due on XXXX XXXX for {$480.00}, which the operator said includes a penalty for paying part of XXXX " late. '' In other words, it will be late by XXXX XXXX. I asked over the phone to have the {$300.00} applied to principal, and she said the only way that would happen in the future if I cleared it on the phone BEFORE I sent it. I repeat, the bill has a space to fill in " Additional Principal. '' I wish I had the money to just pay this off so that these folks never earn another dime on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: AZ

Complaint narrative:
I sent a check to Santander Consumer USA Inc . It was returned to me because they say the check was damaged. However, if you look at the copy of the envelope they scanned and provided to me, it was not damaged. 

The check literally was cut with scissors to remove the number XXXX in my checking account number ; tape was applied. They sent it back saying my check was damaged.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Credit card — 
Issue: Privacy — 
Company: Synovus Bank
State: IN

Complaint narrative:
About two weeks ago I merely started an online application with First Progress, a XXXX secured credit card company. I did not finish the application. I did not make a deposit. I did not fund a secured card. I did not open an account. I did not receive a credit card in the mail. Yet I found out that First Progress intends to send the private and personal information in the application I did not finish to the credit reporting agencies. This is a breach of privacy. Especially since I did not finish the application, did not make a deposit, did not fund a secured card, did not open an account and did not receive a First Progress secured credit card in the mail. When I finally managed to find an actual working phone number for First Progress I explained the situation and I was told that they will forward my information to " only the XXXX major credit reporting agencies '' anyway. The XXXX time I called I asked for an email address to contact them about a serious privacy issue in writing, and I was told that First Progress does not have a customer service email address but I could have the number to someone else to see if they knew the email address because " they 're, uh, they 're like corporate. '' That number turned out to be a fax number. I called back, got nowhere and ended by informing them of my decision to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: KS

Complaint narrative:
I want to get information on the credit union I had a car loan with .My payments on my mail did not reflect the payments towards my vehicle at the time of my lease. The amount own on the vehicle still reflected the buyer amount from 3 years prior.I fully did not understand the conditions of the loan if it was only a 60 month loan to pay the car off.My car was also taken back from the credit union and returned to me but still stated on my credit report repo.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: M&T BANK CORPORATION
State: DE

Complaint narrative:
Hello I have a M & T checking account that is set up for direct deposit for child support, when the first deposit came into my account it took 1 day to be deposited into my account, now my bank is taken 3 business days instead of instant deposit, at first it was the next day, then it was the second day, now for the the second time it 's 3 business days, for instance my children 's child support said XX/XX/XXXX and now it 's XX/XX/XXXX, and no child support deposit and the ignorant thing is my bank wants to blame child support, and child support is saying it 's my bank who 's not depositing it. 
Who is holding my children 's money and why? It 's not any one 's money to make money off my children 's money, in less they 're going to give us a percentage of what they 're making on my babies money over the years. 
I 'm 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 2016-11-17 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
I have not received any information about this debt from any creditor nor the debt collector. I only became aware of this debt through XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-11 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Called after sent written cease of comm
Company: Receivables Management Partners, LLC
State: FL

Complaint narrative:
I have XXXX medical debts that were not paid by my ex spouse without my knowledge prior to the divorce. Now I am earnestly trying to correct this and want to pay the debts in full in exchange for the collection being deleted from my credit report. XXXX XXXX & XXXX are very resistant to removing the collection from the credit report and communication is impossible. I have called them, written letters and had the original doctor 's office contact them on my behalf. They will not accept full payment in exchange for credit report removal of the collection. What can I do to not be a victim of the Collection Company just as I was a victim of my ex spouse. I just want to improve my credit rating.!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
I have never receive any mails or phone calls from this company to inform me I have medical bills, and they report me without telling me I have debt or even try to collect bills! and I even have never receive original bill from hospital!!!! how could you report a person without letting she know she get debt!!! 
and the bills are just less than {$100.00}!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
Very simple ... I have a bill from some XXXX that has been paid with the minimal amount that is suggested on the bill itself of {$20.00}. Payments have been consistent every month, certainly no reason to go to collection. 
I spoke with the dr. and his third party billing agency and all can not understand why this went to collection as they see consistent min. payments have been made. 
I received my XXXX call at XXXX from Synerprise XXXX regarding this bill. I said that my husband is our bill payer and I would check into it. I did just that to find that payments have been made of the min. {$20.00}. I then retuned a call to the collection agency to give them the information. I received another call this morning that shook me up terribly as the individual on the phone was threatening, demanding, cocky and rude. He actually hung up on me ending his call to me. 
I told him the same thing over and over that I have been paying the min. of {$20.00}. He asked me to call him back with the latest payment information. I said I was driving and that " no '' I would not do that as he can call his customer and find that out himself and there is no reason for him to even be calling in the XXXX place as again I said that payments have been made by with the min. payment. He mimicked my " no '' with an emphasizing sure surprise that since I would not call him back with the info he requested he would send me to collection that would wreck my credit and asked me if that is that I wanted to happen. I said that I will then just get an attorney as there is no reason for him to be calling me and he said " good luck with that ''. He was rude, demanding, and insensitive to the fact I was driving as I stated to him that payments have been made and that he was telling me a lie that I owed $ XXXXwhen in fact I knew the bill was down to {$28.00} and change. He was cocky in is presentation and conclusion when saying " have a nice day '' and hung up on me. This was XXXX XXXX at Synerprise. I was shaken terribly that when I got into work I called the Dr. XXXX who was very kind and then his third party at XXXX billing - XXXX. She apologized and could not understand why this went to collection. Just bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Atlantic Credit & Finance, Inc.
State: MO

Complaint narrative:
I have been contacted by debt collection agency by telephone for months for a debt that is not mine. They are looking for someone who does not live at this address or phone number and never have. I told XXXX people from the agency that noone here lives by that name and they keep calling. 
The phone number is XXXX XXXX The company is : Atlantic Credit and Finance XXXX Inc XXXX 
XXXX XXXX XXXX XXXX XXXX, Virginia XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
Contacted creditor for proof of this debt to validate this is actually my responsibility. Creditor sent me information related to this debt that proves it belongs to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Collaborative Resolution Group
State: TX

Complaint narrative:
I received a harassing voicemail from CRG claiming that they left several voicemails ( which they did not ) about a matter they would not disclose via voicemail " per federal law '' ( which is actually not true ). They threatened to validate my home and office address unless I called them back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
I ' am have a problem with M & T Bank, now my husband and I do not have that much money to speak of but for some reason M & T is charging us over draft us overdraft fees of {$38.00} for transactions that should come out when you make that transaction and when I check it on line it is pending, but the next time I check which sometimes is the next day or few days after we are charged these fees for overdrafts. I do my banking online and sometimes I get message stating that the on line banking will be down because of updates and every time this also happens I get every more overdrafts, we also get overdrafts on the same day that my husbands direct deposit goes in even if it is with in mins of the transaction happening. So last week XX/XX/2016 I got my XXXX check there was two hundred and some $ of overdraft fees which crossed as my check was being deposited. It seems to me it is every time we have a direct deposit or they do an update it costs us so much money and I thing this should be checked out, I did call their service department and asked them why this was happening and she said " I do n't know what you want me too do you need go in and talk to someone at your bank " will why are they called the Customer Service Department? Like I said in the beginning we do not have that much money and we come really close in my banking but it is coming to much of a pattern and I think this should be looked into.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-26 00:00:00
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MO

Complaint narrative:
I have been trying to send a money transfer of {$120.00} XXXX to XXXX for the 2nd time after having to cancel the 1st time due to pick up delays. Basically, although the transaction shows as " ready for pick up '' in the online app, and Moneygram has even collected the funds from my account, my sender has been unable to pick the money twice at large banking institution ( XXXX ) affiliated with Moneygram International. The recipient is basically being told that the number most be incorrect. Then, after having to send recipient the number for pick twice to no avail, I had to called the service line and to my surprise again they needed to verify my identify apparently due to suspicious activity. At the same time, I was transferred several times from the Hold Dept. ( Rep. named XXXX ), then Online Dept. ( Rep. named XXXX ), and finally they wanted me transferred back to Hold Dept. when I decided to end the call, and file this complaint. 
The issue is that this is not the first time that I have to verify my identify, and it seems that Moneygram is not taking any steps to update their system after having re-verify my identity several times before. And, I am instead being told that this issue will persist and that they are sorry, which seems unfair to to say the least especially when we are talking a mere {$120.00} XXXX. 
Bottom-line, I know of no basis to put me or my family through this needless hassle, and basically labeled as a " bad actor '' each time even after releasing the funds, and re-verifying my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: LA

Complaint narrative:
I was contacted by XXXX on XXXX XXXX, 2016 stating I was approved for a loan in the amount of {$2000.00}. They deposited {$720.00} into my bank account. All I had to do was withdraw that amount, send the money back and they would deposit {$2000.00}. They asked for my online bank information including my security codes. After awhile I began getting suspicious. The following morning I received an email from my bank stating the check they deposited was on hold for 5 days be a use the check may not be good. When I notified them about this, they began getting very irate. I told them the funds were frozen and they kept insisting I go to Wal-Mart to get the money out. Since Thursday XXXX XXXX, my bank account is still frozen. The company states the name is ACE Cash Advance and the person 's name is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC

Complaint narrative:
Dear Sir/Madam, I 've sent my money {$820.00} to XXXX XXXX, XXXX XXXX XXXX, City : XXXX, State : XXXX, Zip Code : XXXX, USA by Money Gram. This address gave another person : XXXX XXXX, who works at XXXX XXXX XXXX XXXX, born Monday, XX/XX/XXXX, Age XXXX, from XXXX, XXXX. 
I 've sent the money to purchase XXXX laptops by XXXX from XXXX XXXX, XXXX. 
But money arrived and I did n't get not my laptops and not my money back. 
XXXX asked me for more money. I refused. She is not responding any more. 
XXXX name : XXXX, tel. No. : XXXX. 
I am XXXX XXXX.

Company response to consumer: Closed with explanation