vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-04 00:00:00
Product: Money transfers — International money transfer
Issue: Other service issues — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL

Complaint narrative:
Moneygram is applying arbitrary rules to block legitimate transactions, collecting unnecessary personal data, and upon receipt of this information from me they are choosing not to offer the service they falsely advertised, under false pretense, with no recourse whatsoever to the consumer whose very personal information they now possess. I verified this by attempting to send a {$15000.00} XXXX dollar transaction to my friend in XXXX, which is around {$120.00} XXXX dollars. I was required to answer questions about the nature of our relationship, when I last saw her, where we met, how often I see her, and then was asked for the birthdates of several family members and a close friend and business associate. I provided this information truthfully, and patiently, during a XXXX minute call where all my information was given to an offshore call center agent. The end result was to be told that they would not send my transaction due to a decision by Moneygram Security, which is an algorithm, or amorphous intelligence appartus of a private or public-private nature, or some kind of unaccountable agency or group within the company, or perhaps merely a machine learning model. Bottom line, there was no rhyme or reason to the decision, and the company did not feel compelled to justify their actions in any manner. I recognize that most customers of these money transfer services are immigrants, and public policy currently opposes immigrants, but I am a native-born United States of America citizen who was trying to use this service to send slightly more than a XXXX dollars to a friend. If a money transfer business will not provide this service to Americans, it should not be allowed to do business in this country.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-19 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
I got this letter in the mail that i was a Mystery Shopper there was a money order for {$980.00} I depoist this money order in my checkng account, I started doimg what the letter said for me to do. I shop for the thing i was suppose to get, then I gat a money gram for the rest of the money, It was {$770.00} plus {$11.00} for tranfer. Then today I got a latter from my bank that they returned the money that I deposit,, now I am out {$1700.00}. can I get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 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:
Noticed a negative item on our credit report from Money Recovery Nationwide. Sent a dispute letter on XX/XX/2015 and did not hear back from them until XX/XX/2015 regarding the alleged debt, with their own statement and none of the required pertinent information I requested. Spoke to them stating that this debt is not ours and asked them to remove it from our credit report and they unprofessionally declined. I begged and pleaded with them and got nowhere. I asked to get transferred to a supervisor who could assist me and was disconnected. 

We have never received services from the creditor that Money Recovery Nationwide is alleging we received. The small amount of the alleged debt itself is evident enough that this is not our debt. Had this alleged debt been validated, has requested, we would have had no problem paying this diminutive amount. The fact that Money Recovery Nationwide reported negative information to the credit reporting agencies, without XXXX confirming, verifying & making absolute certain the alleged debt indeed belongs to the parties listed, is a violation of the fair credit reporting act. 

We just want this inaccurate information removed from our credit report as soon as possible. Any assistance would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Integrity Group Inc
State: NC

Complaint narrative:
I contacted XXXX out of XXXX because I heard that they helped with loan forgiveness. I was told that they could help me with the entire process but I would have to pay {$290.00} which was charged to my credit card. XXXX # XXXX Transaction id # XXXX this was on the paperwork they emailed to me. I spoke with XXXX people during this time with Integrity ( XXXX and XXXX XXXX XXXX XXXX XXXX 234 Boynton Beach, FL. XXXX XXXX Option ( XXXX ) This entire process started on XXXX/XXXX/15. After much going back and forth and telling me the paperwork was complete, I received my new financial payment plan which was about 6 times more than what I was told. I called and again they said they would fix it but it would take about XXXX to XXXX days. I received a letter in the mail from my university stating I was in default with my loans. When I tried contacting Integrity the number has been disconnected. I talked to my student loan provider and they told me to file a complaint because I paid for services that should have been free to begin with and my loans were not handled completely.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-01 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
I have a complaint against MoneyGram. For years I have been sending money to my wife using MoneyGram. 

On XXXX XXXX, 2015 I drove into a MoneyGram store and paid the fee to have {$990.00} transferred to my wife in XXXX XXXX. 
I then drove back home and called my wife and gave her the reference number I was given. 

My wife drove to the bank in XXXX XXXX, waited in line for 1/2 hour, only to be told the transaction had been blocked and shecould not receive the money. 

I then drove back to MoneyGram store and was told only thing they could do was to cancel the transaction. 
They also gave me a MoneyGram number to call. 

I called the MoneyGram number XXXX and was told that my name had been confused with someone else on a listthat they do n't do business with. The Agent, named XXXX, told me that they had corrected the problem, and that I should have on further trouble. 

On XXXX XXXX, 2015, I again drove into a MoneyGram store and paid the fee to have {$990.00} transferred to my wife in XXXX XXXX. 
I then drove back home and called my wife and again gave her the reference number I was given. 

My wife once again, drove to the bank in XXXX XXXX, waited in line for 1/2 hour, only to be told the transaction had been blocked and shecould not receive the money. 

I have XXXX complaints : ( 1 ) If MoneyGram is not going to honor the transaction, then they should inform you up front and not waste your time and gas money. 

( 2 ) If MoneyGram and the Government compiles " list '' of people they can refuse service, then there should be clear guidelines as to what is required to get off this " list '' ; or you should be given concrete reasons why you must remain on the list. 
There should be a process clearly spelled out for people who do n't belong on this " list '' to get off of it.

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

Complaint narrative:
I purchased a 2013 XXXX XXXX from Ohio XXXX XXXX under false and deceptive practices. My credit application was falsified to secure the loan, which Santander purchased from XXXX XXXX Bank immediately. I was never offered a carfax during the purchase and after purchasing XXXX on my own, found out the vehicle was XXXX of a fleet of rental cars. Under the federal " Lemon Law '', this information should of been disclosed. I have had nothing but problems with this " junk ''. I tried taking the vehicle back to the dealership only to be deceived several times. I even tried trading the vehicle only to find out that I owe way more on the vehicle than what it 's worth. I simply CAN NOT afford this vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I purchased my SUV approximately 2 1/2 years and due to cost of living, due to my relocating it has caused my travel commute to double/triple. The gas of course has increased. XX/XX/2016. I contacted Santander USA/consume to let them know I am voluntarily surrenders my vehicle numerous of times and it is now XX/XX/XXXX, and I still have the SUV. Right have still been receiving calls about payment and recently got a call from an account manager that was absolutely rude. At this point I am going to park the vehicle somewhere and tell them where to pick it up. My main reason for this, is rather than me keeping the vehicle and continue to struggle paying payments, I thought it would be best to return it to the bank. I have ever not driven the SUV since XX/XX/XXXX and they continue to harass me for payments and wo n't accept that I am no longer in the position to carry the payments. I told them to call me and arrange date and time -- -it 's now almost 5 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
This is my official complaint against the billing practices, and violations of TILA and Regulation E, by Santander Consumer Finance. 

On XXXX/XXXX/15, I was involved in a car accident and thusly my XXXX Nissan Maxima was XXXX. The car was financed through Santander Consumer Finance. In correlation with my insurance company " XXXX '', Santander was also notified of the accident. My insurance company made a {$21000.00} payment to Santander for the price of the car in XXXX of 2015. The remaining amount owed to Santander by me is an estimated {$13000.00}. Per my original note with Santander, my original monthly payments were {$670.00}, prior to the date of the accident. 

I received a call from Santander on XXXX/XXXX/15, requesting that a payment be made and to advise me that I was 14 days past due of {$260.00}, asking that I make a payment with them. Again I had not received any response from Santander to the accident, until the XXXX/XXXX/15 call. I told the representative that I needed to be provided a disclosure in writing outlining terms and conditions of the loan modification. First the representative stated that she could n't do that, and then she asked me to validate my email address, and then she sent me a statement. I made no arrangements to pay as there was no way to validate that the caller was Santander representative. On XXXX, XXXX/XXXX/15, I received a call from another person claiming to be from Santander, socializing the same information, and subsequently emailing me a statement instead of a disclosure as I requested. 

In reading some of the CFPB Guidance around Closed End Loans, disclosures are required for " change in term notifications. '' However I did not receive any notification prior to receiving an email copy of a statement. 

In addition to my not receiving the proper disclosures to accompany the modification of the terms and conditions, my interest rate was not clearly and conspicuously identified, and the statement does not include the proper dispute information per Regulation E, though the statement does identify that Santander offers electronic payment services which I use from time to time. 
Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Santander Consumer USA Holdings Inc.
State: CO

Complaint narrative:
The basis for my dispute is SANTANDER company was required to notify me prior to, or no later than 30 days after furnishing the negative information to the consumer reporting agencies, in writing ... that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I am unable to locate documentation you complied with this requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: MS

Complaint narrative:
I got a car financed through Chrysler Capital i was told by the dealership i would be able to refinance my loan and Chrysler capital told me they never refinance. My car was XXXX i have had it for 3yrs payn XXXX a month i owe XXXX on the car now and i have 3 more years on it. In all i have paid XXXX dollars on this vehicle already and none but XXXX dollars has applied to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: SUN LOAN COMPANY INC.
State: AL

Complaint narrative:
" XXXX '' has called my roommates number every single day, has called my number several times a day, has called my mother and brother-in-law several times and has also called me at work at the hospital more than several times. On one occasion she spoke to me, so she knows that I am aware of the debt, and I ca n't receive personal phone calls at work. Yet she still calls, even today ( XX/XX/2016 ). She refused to deal with the credit counseling company even after I signed a power of attorney for them to negotiate my debt. I told her I was going to seek the advice of counsel for all my debts to see what I should do, and she spent 30 minutes on the phone telling me why I should n't do it while I was at work. I ca n't tie up the phones so doctors and other XXXX or the XXXX ca n't get through to get results. She obviously does n't understand that. She was told again today by the XXXX manager that I ca n't receive personal phone calls at work.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: AL

Complaint narrative:
I entered a contract with an un named bank when i purchased my 2008 Hyundai Santa Fe. I purchased the automobile at a cost around XXXX The loan then was purchased by Santander without notice until my first bill was recieved. In this time i was going through a very bad divorce and became late with payments. There were also times that I had my vehicle repossessed. I would always pay to get things caught up and tried to make timely payments. Now that i am back on my feet and can make larger payments i have found that I am receiving accrued interest daily and a large amount of unpaid fees and charges. I was never and can never get a answer as to why and where all these charges are coming from. I am trying my best to pay this loan off as fast as i can but with all of these undisclosed charges it is impossible to get ahead. 
Also on my credit report they have placed that my account has been closed and when asked to take it off it still remains. This is very annoying when trying to get other loans and have to explainn why this is still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: Flagstar Bank, National Association
State: GA

Complaint narrative:
I was trying to log into my account with New York Community Bank via XXXX and when I entered my user ID was told my account was disabled. 
I called customer care and was told because I had not used my account recently ( note they did not give a specific time window for this policy on account closures even on the customer care call ), they had disabled my account. This was without any advance notification to my email address linked to my online account. They refused to unlock the account even when I provided my SSN, account number and my online banking details. 
They claimed this was pursuant to their policy in the agreement I signed opening the account. However this seems disproportionate and not clearly articulated. I know for a fact I downloaded my tax documents in XX/XX/2016 for the previous year from their website, yet by XX/XX/XXXX they had closed my account and sent all my money to the local government, where I must now file an Unclaimed Property Request and deal with all the challenges that entails to get the money that is mine returned to me. It was also only when I requested to speak to a supervisor that I even found out they had sent my money to the government, as the first customer care contact mentioned nothing of the sort to me, just that I should send a letter and copy of my driver 's license to request my account be reopened, even though in fact the account and the money is gone for good from NYCB and I must search it out with the local government. 
This seems unreasonable for not having logged in perhaps during six months to an account, and I would request the CFPB review the terms of service of this Bank to its customers, require they adjust their policies on closing accounts and unilaterally sending consumers ' assets to the government, as well as send email notifications warning of such actions before they are taken. I have many accounts with financial institutions and have never had close to this awful a customer experience and am now faced with the uncertainty of ever seeing a very large sum of money again. Are n't banks supposed to be safe places to store your money? It seems NYCB does not take this core responsibility seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late as of XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-04 00:00:00
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Santander Consumer USA refuses to allow me to voluntarily surrender my car back to them and insist on repossessing the vehicle and charging me to do so. I can not afford the exorbitant charges and interest rate. They insist that I should pay XXXX to get another 30 days to pay when I can not afford to do so and I just want to return the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2016, XXXX 2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
I was placed into a program with my Auto Loan a few years ago, I just found out that I was recently removed without any prior notification. I called to see what was going on and I was told the rules changed to qualify and I was no longer eligible. I 'm XXXX XXXX XXXX and now I am trying to figure out what to do. I have been stationed in XXXX for the past 11 months. They stated that they mailed a letter in XX/XX/XXXX to me but like I stated, I 've been in XXXX since XXXX 2015. 
I looked at my credit report and it shows up now as a charge off/ collections account and has effected my credit. I have still been making my payments as I agreed to for the amount in the program. 
I do n't know if it is still that amount or if the payment went up or if the interest went up now that I am not in the program? I am suppose to leave from XXXX in a week and go back state side. By this being on my credit now, it is going to affect me getting a place for my pregnant wife and I along with our kids to find a house to live where we are getting sent to next.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Grant & Weber
State: AZ

Complaint narrative:
The debt collector, Grant & Weber, refuses to prove that the debt is still valid and enforceable by failing to provide a copy of the signed contract. The difference between the debt being valid and expired depends on the existence of a signed written contract. Regardless, consumer has attempted to resolve the unpaid medical bill but collector is charging interest in violation of the FDCPA as they have failed to provide any evidence that they can collect interest. Further, debt collector states that medical provider will not negotiate a settlement which is a bold faced lie. They refuse to engage in negotiations and refuse to waive interest charges, yet the continue to report this account on the consumers credit report every month as an unpaid debt. The debt is nearly 6 years old. Their conduct is unfair, deceptive, and the practice of charging interest without a contract or law suit is a systemic and intentional violation of the FDCPA.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: OR

Complaint narrative:
On the contract that was signed it has a annual percentage rate of XXXX, amount financed of {$18000.00}, 72 monthly payments at {$510.00} each, and total finance charges of {$18000.00}. Upon trying to do an amorization schedule I discovered that the annual percentage rate being charged was not XXXX but was actually XXXX.

Company response to consumer: Closed with explanation