vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I purchased a vehicle XX/XX/XXXX so I have been making payments a while now. I started noticing misc. fees and late charges on my account statements. I called and asked about the charges and found out apparently Santander Consumer USA does n't allow customers with a simple interest loan any grace periods for any reason. I was unemployed XX/XX/XXXX so I had several late payments. I also had to defer a few payments during that time. They continued charging me late fees even though they excused the payments and allowed me to defer. I called recently to try and resolve the old late fees, but they 're refusing to remove them. It 's over {$400.00}! I 'm so fed up with their unfair practices, which makes me think they 're not following the law. I also noticed that my payments are n't being properly allocated, which leads me to think they must be pyramiding, which is a violation and considered unfair practices. How will I ever pay off this loan if most of the money continues to be put towards interest and not the principal?? I asked them, and they told me a computer calculates the percentage distributed each month not a real person. As if that were to make me trust them? The agent I spoke to said the type of loan I have calculates a daily interest rate based on how many days apart each payment is. So the closer I can make payments and the sooner ( before the due date ) the higher the amount towards the principal will be. Again, are they following federal consumer laws? I just feel this company is getting away with murder and using people like me to make money. I already pay over 18 % in annual interest which ends up being daily interest. So I will pay over XXXX in interest alone plus the amount I purchased to car for. See attachment. It shows price of vehicle plus estimated interest. I am being robbed, literally!!!!! I bought the car for XXXX, so after interest and taxes it 's closer to XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: AR

Complaint narrative:
I bought a car in the summer of 2015 financed through Santander Consumer USA. Santander reported a charge off to my credit report even though I still maintain possession of the vehicle and the account is current. They refuse to redact the charge off and negative reporting from my credit or even refuse to report the account in good standing and the on time payments i 'm making. Sounds predatory to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I am an owner of 2012 XXXX XXXX XXXX in great condition with approximately XXXX miles. The vehicle has XXXX open recalls that I have been waiting to have fixed for over 18 months. I recently sought to purchase a new vehicle and was told by XXXX separate national dealers ( XXXX and XXXX ) that my vehicle is ineligible for trade in due to the open recalls. Chrysler does not have an anticipated time frame for when the parts will be available in order to correct the problem. Meanwhile, I am unable to utilize the value of my vehicle to have it applied to the purchase of a new vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
On XXXX XXXX, XXXX I purchased a car through Santander Consumer. The cost of my car was {$12000.00} with an interest rate of 24.99 % I put {$3000.00} down. As of today XXXX/XXXX/XXXX, I owe {$13000.00}. I have made XXXX payments of XXXX. 
I called Santander to ask questions about my loan, I was told that My balance is my balance whether I pay off the loan early or not. XXXX XXXX the manager I spoke with could not tell me the amount of interest and the amount of Principle that defined my loan. I was told I have a simple interest loan with accruing daily interest of {$8.00}. and after 10 days a late fee is applied of XXXX. I do n't believe that this loan fair nor should it be legal to take advantage of consumers when we are not aware of all of the thin lines and loop holes. I have paid {$16000.00} on my car and I still another 4/5 years to pay it off. It is a XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Grant & Weber
State: CA

Complaint narrative:
Grant & Weber collection agency changed my personal debt and billed it to my employer. My account number remained the same, but they billed it under my employer 's corporate name and included a website and password to access my debt which they disguised as debt owed by the corporation itself. This not only exposed my personal debt to the company, but they also almost payed a debt that they did not possibly owe. 

I have disputed this debt for over 2 years because of incorrect billing and overcharges and this agency has refused to contact the original creditor to resolve the matter. I had stopped making payments when I reached an amount that I was willing to settle at for the incorrect billing. This credit agency made the move to bill my employer as a retaliation for not paying the full sum.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: NH

Complaint narrative:
Bought a 2016 XXXX XXXX in XXXX of this year. Financed through Santander consumer. Made payments at our local Santander branch every month. Receipts to prove this. Tonight they repossessed my car saying no payments had ever been made. Offered to send them the receipts that I gave and was told I 'd have to take it up with the branch I made payments at to see if they could find the money. Refused to work With me at all, or even really listen. XXXX with a supervisor who said same thing. The repo order us out, nothing we can do. You should n't have made your payments that way. You can go to the branch tomorrow but we are taking the car tonight.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
I voluntary sent car back was unable to fix due to defect in all XXXX throwing a rod in motor or metal shavings left in motor for XXXX XXXX-XXXX company refused to fix it and never official did not do a recall. Many XXXX owners are having cars to stop suddenly, locked down or blow up or catch on fire. I consider this to be hazardous and unsafe and negligent on their part

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Please delete this account from my report on all XXXX credit bureaus. This account has been paid since XXXX 2016 and shows inaccurate information reported there after in my credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
Good afternoon, I purchased a XXXX from XXXX XXXX in XXXX, NC XXXX XXXX. Since the purchase of the car, I have been XXXX and transferred my duty station from XXXX XXXX, XXXX to XXXX, XXXX. I had not realized that I was delinquent in my payments and that the car payments were not current. During this time my mom who lives in XXXX is helping me straighten out the payments. I also told the finance company, XXXX XXXX that my mom had my authorization to call and talk to them regarding the loan. Due to my job and training I can not always be available to accept phones calls or call out to follow up. 
After my mom reviewed the auto contract she believed I was a possible victim of predatory lending due to the interest rate being so high. And she also how I even qualified for the loan. On XXXX separate occasions my mom called XXXX XXXX and asked them to confirm what my monthly income was. On both occasions XXXX XXXX said it was {$4100.00}. 
Now it 's no long a question of how I qualified. This is fraud on behalf of XXXX XXXX. My monthly income is only {$1900.00} a month. We asked XXXX XXXX to send a copy of the document they received from XXXX XXXX and both times they said they do n't have access to the info to send. They suggested that we contact XXXX XXXX because they have all those documents. I requested my file from XXXX XXXX and they sent me everything but the documents I really wanted, which is the information they sent XXXX XXXX of my monthly income and the approval letter. I had the law firm in XXXX write a letter to XXXX XXXX specifically requesting the documents, but that was over two weeks ago and still no response. XXXX XXXX, the XXXX at XXXX finally responded and still refused to send the documentation I requested. 
Since this mess has started, my command has been involved in this which is negative for me. This could potentially ruin my credit and any future career aspirations I would like to pursue in law enforcement. Due to those fields being effected by how well your credit it. Not to mention XXXX XXXX is threatening to repo the car. 
This is an extremely stressful situation for me and I am asking for your assistance to resolve this issue quickly. If this car dealership did this to me, most likely they have done it to countless other XXXX. 

I also ask that you contact my mom as she knows all the details in this matter and can probably explain details better than I can. she is of the opinion that this should result in a huge investigation and people need to be held accountable. 
As of today I learned that XXXX XXXX XXXX purchased XXXX XXXX and I called them to request the document that XXXX XXXX sent them indicating my monthly income at {$4100.00} and they refused. I asked if they only way to obtain the document was with a subpoena and he laughed and said yes.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: PA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
I purchased XXXX XXXX, the vehicle was financed though XXXX who I feel took advantage of me with my financing the interest was compounded daily interest. XXXX added to my contract and additional {$3400.00} with out giving explanation for charge. Shortly after it was added they removed the {$3400.00} after I inquired regarding the charge. My contract was transferred to Santander {$3400.00} was added back to my contract and the due date for my payment was changed with out explanation. There is a Federal Consent Order in place from the XXXX. for the unethical practices of Santander. Please investigate Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23 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:
Santander Consumer USA is the lender : The short story is we bought a car a 2010 XXXX XXXX for {$18.00} on XXXX, the loan was set at XXXX percent interest. Since that time we have been late almost every Month with hardships after getting laid off. They repo 'd the car and chrged us an extra XXXX repo fee. 
My wife was n't making the payments and I was giving her money to make them, they repo 'd me again last month and charged me more lates fees and a XXXX dollar repo fee again. Now XXXX the bank says I owe XXXX for a car that only blue books for XXXX. and they wont work with me on a buy out for a lesser amount they wont waive fees or work with me at all. I want to let them take the car but I know that wont help my credit history and they will come back and say I owe them more new late fees and maybe XXXX. They do n't keep the records correct the statements are a mess, the company has many many many complaints. Why is our Government allowing Santander to do this to hard working Americans? The car will cost me over {$400000.00} by the time I pay it off and it 's only worth XXXX. What a joke our system is to even allow this kind of robbery. I offered them XXXX to pay it off and they refused? XXXX XXXX? Are they from XXXX? This is why we have people trying to beat the system because the system is not working for the people. If anyone looked at my account they would see that I am being taken to the cleaners. I need help please. Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Vehicle was damaged XXXX/XXXX/16 and declared a total loss a couple of weeks later. The primary and GAP coverage payments were made by XX/XX/XXXX. Not sure which side mishandled the claim ; I have proof that the payment cleared, but the loan company insists that a payment was not made. As a result, I have not been given a final payoff amount, and the company is reporting the account as delinquent to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
I asked for my payments to be reduced and filed all the necessary paperwork XXXX and they keep saying it was n't received. I have the fax confirmation proving it transmitted successfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
Called old family members threatened them and advising they XXXX to pay XXXX XXXX 's debt or all will be arrested. Called XXXX and XXXX after repeated notifications to send all correspondence by mail

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Called outside of 8am-9pm
Company: Santander Consumer USA Holdings Inc.
State: AZ

Complaint narrative:
I received a call from XXXX Santandar at XXXX I was under the impression they are not to call after XXXX my time. It was inconvenient and the man spoke too fast I could n't get his name. 
I was already in bed when he called, thinking it was an emergency from my kids. 
We should n't have to be bothered that late at night.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
we send a payoff for my car but the XXXX company send it to another adress so i speak with the company about it and tell me i need to send a nwe one and cancel the other so i did but this payment was late and they put me late payment in the accunt, i speak before and they tell me that they understand and that they are not going to do it today the account is closed but i have this negative in my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-04 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 several late payments on the dates below : 30 days past due as XXXX 2011

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
I have been paying a car loan since 2011 paid XXXX for the car and still owe XXXX. They have repoed the car twice and charged astronomical fees to the loan that I actually paid up front to get the car back! When they repoed it the last time it was for XXXX pmts! They were not willing to work with me at all only wanted XXXX pmts plus fees up front. I can not understand how I still owe this much after paying all these years

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-26 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: Synovus Bank
State: WV

Complaint narrative:
Was charged a late fee when payment was completed on my end prior to the due date of XXXX. This happens every time my due date is on a weekend.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-08 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: ORG GC GP BUYER, LLC
State: FL

Complaint narrative:
Multiple harassing phone calls to myself and family members

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

Complaint narrative:
This company Santander Consumer USA are theives and liars. They rip-off the american public. IF YOU RESEARCH ON THE INTERNET ie Rip-off report and XXXX in the XXXX area or nationwide area you will see THOUSANDS of complaints for them.!! They charge outrageuous fees, extend installments, repossses your car even though payments are made!! Goes on and on. READ ALL OF THE COMPLAINTS ON THE INTERNET & gt ;!! Something has to be done about these people.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Worth Finance Corporation
State: TX

Complaint narrative:
I just recently got a new job and the loan company is calling me at work. I ca n't have personal calls on my work phone, and all calls are recorded due to the nature of my job. The company is jeopardizing my employment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: ADR ARBITRATION SERVICES (Closed)
State: GA

Complaint narrative:
These people are calling saying they are from ADR Arbitration Group in New York and if I do not pay or contact them back within 24 hours they will have me prosecuted to the fullest extent of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC
State: NC

Complaint narrative:
We have been consistently XXXX month behind and were contacted by our mortgage company to refinance ... my husband submitted all paperwork and got the rate locked in and in the truth in lending, etc., we were given the estimated closing costs. Our closing date was supposed to be this week. My husband was contacted Wednesday and was advised that person was no longer with the company and that paperwork was missing ; the closing date was now going to be moved ; we had to provide duplicate information ... including confidential information that was ALREADY provided ; and that the information we were given was incorrect and that we would now have to make XX/XX/XXXX payment and the closing costs were now approximately {$6000.00}! We feel this was a bait and switch and they should be held to the contracted amount in the paperwork that has been signed and submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NM

Complaint narrative:
In an effort to confirm who owns the mortgage and has lien on my home I sent correspondence to Select Portfolio Servicing ( SPS ). On XX/XX/XXXX I sent a letter to requesting the following items : Provide the identity of the mortgage loan note on my home. 
Provide the owner of my mortgage for the property located at XXXX., XXXX, New Mexico XXXX. 
I received a letter dated XX/XX/XXXX from SPS stating that they had received a letter from my authorized agent. 
I received a letter dated XX/XX/XXXX from SPS stating that they have received my inquiry letter and to give them 30 days. 
I received a letter dated XX/XX/XXXX that they had completed their investigation into my inquiry and since they had not serviced my account in over a year they would not provide a response. 
In XX/XX/XXXX I ran into financial troubles and requested a foreclosure letter from SPS so I could withdraw money from my XXXX ( k ) to pay them. SPS informed that since the loan was a XXXX mortgage they could not foreclose on my property so they could no provide a letter. in XX/XX/XXXX SPS placed my account in a XXXX status. I have not paid SPS or any other entity for this mortgage since. 
SPS is not providing me with my requested information and are not being cooperative in my effort to clear the title on home.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation