vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-16 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: APPLE FINANCIAL HOLDINGS, INC.
State: NY

Complaint narrative:
I opened a CD with Apple Bank two years ago. 
The CD was set to mature on XXXX/XXXX/15. I did not receive any notice in the mail as would be expected. I went to the bank today to close out the CD and they told me it was too late, it was locked in again. They said it locked in after 5 days and did not care that no notice was issued prior. 
They wanted to force me to renew for another year and charged a high penalty.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I contacted the company XXXX on XXXX. I never authorized them to pull my credit. They did so anyway. They would not remove the inquiry. They wanted me to do a police report saying I was a victim of fraud when they did this to begin with. My credit monitoring service experian had to open a fraud claim on my behalf. I am filing this report as well as the ftc to cover all my angles.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: KY

Complaint narrative:
The maturity date on my auto loan with Santander Consumer USA is XX/XX/2015, however, they state my current balance is XXXX.  Since my payments are only $XXXX a month, I called to ask why my balance is so high and how this is going to be paid off in three months.  They advised that since I was late on my payments that interest has accrued and I still owe them this amount.  I have made a total of XXXX payments, so they have received $XXXX for this vehicle.  They state this is in my contract which I reviewed and could not locate this information.  With the additional amount owed, they will receive over $25000.00 for a vehicle that was originally sold for less than $13000.00.  I do not believe that I should have to pay this additional cost.  They did not add the interest to my payment history, they just applied my payments to interest and did not reduce the principal balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01 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: FL

Complaint narrative:
There is a company Santander that is reporting I owe XXXX which is inaccurate. This is a very old account that was in a flood and insurance paid. I have disputed ask for validation and nothing has been received. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-11 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I was involved a severe accident on XX/XX/XXXX. I promptly contacted my insurance provider, XXXX, to notify them and begin the claims process. To my disbelief, I was informed that NONE of the damages to my vehicle would be covered - but that XXXX would provide coverage for my medical bills and the other involved parties expenses. While I am relieved to receive partial coverage - I am absolutely frantic that there was a discrepancy within XXXX that has allegedly disqualified my vehicle from the " full coverage '' that I and my lienholder ( Santandar USA ) believed to be in place. According to the XXXX representative that I spoke with, an inspection was required to retain Comp & Collison coverage, which was removed on XX/XX/2015 - a month after starting my policy with them. The XXXX representative stated a certified letter was mailed to notify of the change in coverage. However, she could not produce a copy of the letter for my records after requesting one. The representative also stated a letter was mailed to Santadar, however a copy of that letter could not be reproduced either. Santandar has no record of receiving a letter. 

me which I never received and also to my lender who also claims they never received this letter which claimed I was required to bring my car by and have it inspected for current damages. The number of time I have called to make payments or to get a quote on adding someone to my policy I was never informed that this crucial part of my " full coverage '' insurance was missing from my policy. Today my car sits in a junk yard because XXXX has also refused to at least for the inconvenience of the mess I am in to send out and adjuster to at least appraise the car for said damages so that I can file my my claim for gap insurance through my lender which is. So as it stands I now am responsible for XXXX with an open car loan and no means of transportation to get to the 3 jobs I work in order to pay my bills. I also can not get financed for another car.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Santander Consumer USA Holdings Inc.
State: MS

Complaint narrative:
My husband and I purchased a car through Santander. The car was repossessed and sold before we were able to resolve the payments in XXXX XXXX. The balance was being reported on our credit reports as both open and closed up until a few months ago. I contacted Santander in XXXX XXXX regarding this debt and there was no response, but the status was then changed to a charge off. The debt is past the statute of limitations and is uncollectible according to the state of MS. Santander continued to call several times after I asked them in writing not to call me concerning this debt, which implied that this debt was still collectible, continuing to violate the FDCPA. I have disputed this account on both my behalf and my husband 's but they continue to report it and update the account on both our credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Lazega & Johanson LLC
State: GA

Complaint narrative:
Being sued as a cosigner for my sons loan to attend XXXX XXXX XXXX University in 1995 by a Debt Collector ( Law firm ) which specializes in obtaining loans written off by a private lender and still attempts to collect on said loan for their own individual profit purposes in addition to attempting to also collect an excessive amount of interest. This law firm is operating as a debt collection agency not specifically hired by the original lender but instead employs " fishing tactics '' on credit bureau reports in an attempt to gain individual profit. I was not sued by the original lender XXXX XXXX XXXX who had this loan guaranteed by the Federal Agency responsible nor by any Federal entity but instead by this particular debt collection company. I an unable to afford an attorney to represent my interests nor am I able to obtain the necessary documents to fairly contest the numerous an excessive amount of legal motions being directed against me in an attempt to intimidate me into paying as a cosigner for my sons student loan. I strongly feel that as a XXXX XXXX I am at a distinct legal disadvantage in this matter. I also believe that this debt collection agency has unfairly obtained the rights to purse me for repayment for the loan in question. Please provide me with assistance in any way or form legally permissible. When I attempted to make arrangements to repay this loan I was informed that the interest alone would be XXXX the amount of the original loan repayment and that even XXXX per month would not reduce the amount of principle involved. I am concerned the debt collection agency Law Firm involved will attempt to get a summary judgment against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Peerless Credit Services Inc
State: PA

Complaint narrative:
I have been negotiating in good faith with XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX Tel : XXXX. XXXX XXXX XXXX refuses to send a statement confirming the amount that I owe. I sent them an EOB last month ( XXXX 2015 ). Only to discover that my case had been sent to collections. Peerless Credit Services, XXXX XXXX XXXX, XXXX, PA XXXX Tel : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: MN

Complaint narrative:
I applied for a credit card and they sent a denial notice and the reason and the reason was I had and auto loan out that the car had been repossessed and I owed a large amount of money I 've never owned a car and never even applied for a car loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Methods of collection calls are in violation of Fair Debt Collection Act. Making numerous calls to non listed references and leaving contact information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: CO

Complaint narrative:
I sent multiple checks to Santander Consumer USA to pay off my auto loan sooner. To my surprise the checks were applied as regular payments. I called numerous times to resolve the matter, however they never did. I submitted my first complaint against them a couple months ago. Since then I sent in multiple payments again to payoff the car loan sooner. Again, the payments were not applied correctly and Santander collected interest from my payments. This resulted in my due date becoming XXXX/XXXX/2017! I called them once and sent them a written to have the matter resolved and the interest collected applied towards the principal balance. It was never completed. I followed up one last time as the balance of the loan was now low enough to payoff the loan. I was instructed by one of their reps to payoff the loan and the overage from the interest collected would be refunded back to me. I have not seen a dime of a refund from them nor have I been contacted for follow up with them. The last rep I spoke to over a chat told me they could n't do anything since the loan was now paid off. I pushed back and told the rep what I was told before. The rep was able to confirm what I was instructed to do per the notes on the account. However, she told me that management would fix it and send me the refund as the payoff to the loan should have been smaller if the payments were applied correctly. I still to this day have not received any correspondence from them nor the refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11 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:
XXXX XXXX MILES ( XXXX MINUTES ) FROM AIRPORT GENERAL INFORMATION : Secure, uncovered, self parking. Fenced, gated, and well lit at night. 24 hour video surveillance. 
My auto was repossessed by Santander when I parked my auto at the XXXX ( XXXX GA ). They advertised it was secure parking but Santander was still able to repossess my auto. The repossessing vendor stole several multiple items out of my automobile when I went to claim my personal belongings. This repossession took place on a private and secure property and should not have been allowed to happen by the property owners. 
XXXX MILES ( XXXX MINUTES ) FROM AIRPORT GENERAL INFORMATION : Secure, uncovered, self parking. Fenced, gated, and well lit at night. 24 hour video surveillance. 



COMPLIMENTARY SHUTTLE SCHEDULE : 24 hours a day - every 20 minutes Shuttle return instructions and phone number will be listed on your reservation receipt. 
Domestic Terminal Only.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Synovus Bank
State: GA

Complaint narrative:
In XXXX, 2009 a friend used my banking information and charged amounts to her cell phone. The charges called an accrual of overdrafts and fees in my banking account. The matter was reported to law enforcement as soon as it was realized. Reports from each agency were turned over to the bank. Reports include the name and address of the party that committed the act. The account was turned over to collections. The agency has been notified multiple times by phone and mail that this account was the result of a crime that was committed. I am mailing ANOTHER copy of all reports via a traceable method to verify that the collection agency receives the information as well as to the credit reporting agencies.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-08 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
Santander consumer USA..they 're a bunch of crooks. I 've been paying on my loan for over a year and my payoff amount is greater than car purchase price with XXXX down. And it cost me a XXXX dollar fee to pay my bill. It 's just crazy, is n't their a consumer protection law ... this company is extremely greedy and are making the poor poorer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
This is the occurrence where Santander Consumer USA has contacted my job without my permission or disclosure of my workplace. They have researched my private information to obtain my work numbers at both XXXX NY Office ( months prior XXXX ) as well as XXXX XXXX XXXX today ( XXXX/XXXX/16 ). They have caused me great embarrassment by expressing they are calling to collect a debt while speaking to unauthorized individuals. They have provided false information to intimidate me into making a payment, stating that I will ruin my credit indefinitely and will not be able to get a loan again. ( in definite terms ; and providing credit assistance to further their goal of payment ). They have been uninformed since the accident of my vehicle claiming my car is to be repossessed never acknowledging there was no vehicle to repossess since it was a total loss. I have expressed that matter to them on numerous occasions. They have a towing companies call my personal number unnecessarily. Todays invasion is the last time I will endure their harassment silently.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27 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 moved from paying my car loan once a month to weekly to reduce the high interest rate. My payment was due on the XXXX of every month, so I made the normal payment of {$570.00} and then the next Friday, I paid XXXX and set it up as a recurring weekly payment through my bill pay with XXXX. These check when sent are withdrawn immediately from my account. It was almost 4 weeks later that I received the first check back with a letter from Santander. The letter stated that the account number listed could not be located. ~The account number is clearly printed at the top of the checks.~ I have tried to resolve this issue with them, but even the Office of the President is not making any progress and I am now 3 days late for the payment and interest and late fess have started to accrue. There is no problem with the payment, the checks or the account. However when I call in to the Presidents office my phone call is " answered '' with no one speaking for up to 30 minutes, when I call from a friends phone I can get through to them immediately and then am given an excuse like they are researching the matter and if this was their fault they will refund excessive fees, but will not put that in writing to me. I feel I have no other options for making my payments and have no where else to turn to pay my bill. 
I have made 12-15 phone calls about this, spent more than 25 hours on hold or getting bumped from department to department. I am exhausted of this and just want to pay my bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I have a high interest auto loan from Santander Consumer. I had a couple financial issues but have recovered and have been making payments some twice per month to keep current. In the interim, I am also working on fixing credit. When looking over my reports, I noticed a charge off on this very account that I am making payments on, they refuse to take this off my account and say they will not do it even when the entire balance is paid. Is this seriously legal? PLEASE HELP!

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

Complaint narrative:
I recently purchased a vehicle from Santander USA, I 'm being charged XXXX interest and my payments are XXXX for XXXX months, my question is I 've been making on time payments but I 'm not seeing any change in the balance or interest balance and my intrest rate is too high I thought finance auto companies ca n't not charge you over 25 percent in intrest please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
This is a follow up to complaint # : XXXX. 
The original complaint is as follows : My credit card issuer, XXXX, assessed my account with late payment fees of {$25.00} on XXXX/XXXX/XXXX, {$35.00} on XXXX/XXXX/XXXX and {$35.00} on XXXX/XXXX/XXXX which were all a direct result of XXXX 's payment system being unavailable to access requests from XXXX and their Customer Care Agents providing incorrect payment processing information. In speaking with their Internet technical support services staff 3 days prior to the initial fee assessment they informed me that they were not able to provide an alternative and advised me to contact the XXXX 's Customer Service telephone line during regular business hours. They assured me that my access attempts and phone call were logged and that the matter would be rectified without penalty. In following up with a phone call to an Account Manger on XXXX/XXXX/XXXX I attempted to dispute the prior assessed late fee and also requested to have my current payment due processed by phone and also have future payments automatically drawn from my checking account - none of which was done properly. 

In following up with the account management team on XXXX/XXXX/XXXX I learned that the likely reason for the miscommunication was that the support services staff, which was recently outsourced, was not familiar with the newly implemented procedures. 

I 've been a customer for approximately 15 years and only within the last 12 months have I encountered repeated billing and payment issues but early on I was able to reach an " on-shore '' representative which took the time to research my issues, provide guidance and prompt service. Unfortunately, and as of late, there is no follow up from any of the account managers nor responses to letters or phone calls. 

Complaint addendum ( XXXX ) Today I spoke with a representative ( XXXX XXXX XXXXXXXXXXXX | XXXX ) from Citi 's " Executive Office '' and after reiterating the details of the complaint above the representative was inflexible regarding the reversal of fees in addition to updating the negative credit reporting entries. In the course of our discussion he informed me that he reviewed my call history with Citi and found no record of my discussions with other representatives or prior service issues. I then proceeded to provide the dates and various representatives names I spoke with in attempting to resolve the issues. He claimed there was no record of any such discussions. I then provided details regarding internal process changes and dates that directly resulted in these issues and despite confirming my knowledge of said process changes and their time frames, which were not discussed in any of the calls he claimed to review, he refused to further investigate the issue, change his position, escalate the matter or provide any solution.

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 2015-06-24 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
The reason for my complaint is because someone did a fraudulent account take over on my best buy account. I had paid off the account and have been in florida for the last 10 months. I still own my home in which the billing is being sent too but being that I did not have a balance on the account I had no reason to be worried for any payments on my account. I found out the account takeover when I purchased an XXXX credit report and saw my best buy account as a charged off. I have tried to call in to speak to best buy about this and continue to be put on hold and transferred around. I do not have my card in my possession and do not know the full account number but do have the partial from the credit report XXXX and my social is XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-30 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I received a letter in the mail from Sears Credit Services congratulating me on being approved for an upgrade to the Sears Mastercard. It indicated that I will automatically be upgraded to the mastercard unless I decline by calling XXXX or visiting card offer.searscard.com by XX/XX/2016. I phoned the number and learned that my account was a closed account, which I knew and wanted to keep it that way. When I was transferred to a customer service representative who could help I was put on hold and then hung up on. I do n't want any additional credit and I do n't feel Sears or XXXX should be able to " open '' an account automatically unless I decline their offer, especially on an account that is already in a closed status.

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