vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
there was a scheduled automatic payment debited to my account to pay my Santander mortgage but since XXXX XXXX I noticed that my bills were getting paid and the Santander bank account was overdrawn and the Santander checking account was charging me insufficient funds for {$35.00} and a week later they will charge me again sustained overdraft fee $ XXXX. I went personally to the Santander Branch several times to stop the automated mortgage payments to then choose a date that I know my XXXX Check is being deposited. Where then I know my bills are paid and I do n't get the overdraft fees charged on me. Ive been going and calling since XXXX XXXX. The Branch on XXXX XXXX, XXXX PA did n't do nothing to help me. The phone calls on XXXX made the Santander Mortgage sent me a document where they charged me {$10.00} to change the date of the automated payment from XX/XX/XXXX to XX/XX/XXXX. this form later I learned that it needed to be received, singed and sent every month. And so I continue visiting the branch to change this hassle. and no one helped. I received the letter to change the automated deduction on XX/XX/XXXX and I signed and sent it with the check. {$10.00}. Which I do n't know what I am paying that amount yet. And the mortgage still deducted my mortgage payment on the XXXX. this made my account to be overdraft again and now I have been " hit '' with a {$70.00} fees. When I went to the branch I talked to XXXX XXXX, to see if she can help me in the beginning of XXXX XXXX and she went on the phone to call the mortgage but she was helping other people at the same time and walked out I did n't knew if we were done talking or not, so I waited and then left.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2015-06-12 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have a bank account with Santander Bank. I received a domestic wire into my bank account in connection with a purchase of residential real estate. When I tried to wire the funds out of the bank to finish the transaction, I was told that I would have to wait 3 business days in order to access the money. The purpose of a wire is so that the funds are clear once they clear the Federal Reserve. I feel that making me wait 3 business days to have access to money wired into my bank account is illegal and unethical. The funds should be available once they are received by the Bank ; once received by the bank they should be put into my account and be immediately accessible. The bank is doing this to make money off of other people 's money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-12-15 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: American Title Corp
State: NY

Complaint narrative:
At closing it was agreed ( in writing ) I would promptly receive refund check. Weeks have passed. I have written three times to title company. No check. The company is : American Title Corp XXXX. 
XXXX, FL XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: High Point Asset Inc
State: WI

Complaint narrative:
I am continuously contacted and also at my mothers phone in regards to some type of loan I took out on XXXX/XXXX/2011 onine and never paid. 

The collection agency High Point Asset, knew a great deal about me, down to my bank, however I never heard of this loan company XXXX XXXX XXXX, and never took out a loan. Then even knew my bank, I went back to my statements to confirm this, and I have not received in a direct deposits on a loan from this company. I explained, to them if that 's the case, why did n't they collect ... I do n't have any stop pays on my account back then, to stop them from collecting money owed ... I told them to prove to me, that i took this loan, because I did not ... they sent a letter in the mail and continue to call from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
We were trying to get a lower interest rate. The bank should have offered us a refinance loan, instead of a modification loan. Our credit was not bad. It ended up costing us an extra 10 years at the same interest rate of 5.99 % plus {$7000.00} in closing coast.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Today I had an appointment at the Santander bank on XXXX XXXX NJ to transfer over my XXXX XXXX account. We had an appointment for XXXX so XXXX XXXX told us the guy that handles this told her that he was still in the XXXX office and will be late. We waited over an hour for him to come. When he came he decided to help another customer instead that had an appointment at XXXX. I knew he had an appointment for XXXX because I heard XXXX talking about it. When he finally came to talk to us, he said that XXXX told me why we were here and all he his to do is open a new account. I then told him that I noticed what he did and he took that other appointment before us and he said " And your point is '' I asked him if this is how he does business and he ignored me and said " so do you want to open this account ''. He was very unprofessional and did n't bother to discuss the details of our transcation. I then processed to tell him, that you just came in here and did n't discuss anything with us and now your telling me all I have to do is open a new account. I believe this was horrible customer service and for this reason, I walked out of the bank without anything resolved. I am now considering going to another bank because this was horrible.

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 2015-08-08 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
I am leading a XXXX XXXX ... .. Unfortunately I had some issue and had to move and my financial situation caused my payments to be late .... I contacted the ... Nissan Motor Acceptance Corporation. ... there # is XXXX ... ..Spoke with XXXX of the gentleman that works her ... I do n't remember his name .... I explained my situation and told him I 'd be paying most of it if not all of it on the XXXX of this month when I get paid ... .. He refused me and tolde I need to pay by the XXXX .... I told him I ca n't do so till I get paid on the XXXX .... He did n't want to hear it ... Now I 'm trying to pay and he is denying me .... I told him I guess you will have to come take the car .... He said fine he will .... Now as far as I 'm concerned I 'm being way over charged on my payments to start out with .... I have a XXXX with absolutely nothing extra ... Very basic and I 'm paying XXXX or month ... .. If they are going to rip me off then they should have the decency to give me till the XXXX .... Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
XX/XX/2016 - file is 26 months past due totaling about $ XXXX ( w/o any fees ). Loan mod was denied because the servicer was unable to reduce the principal and interest portion of the payment - therefore a loan mod is no longer an option - no matter what the homeowner changes in her circumstance the result would still be the same - the servicer tried to extend loan to 40 yrs ( max term ) & reduce the interest rate as low as they are able to and still the monthly payment was too high. -- The servicer would not communicate to the HUD approved nonprofit whether they reduced the interest rate at all. -- Available options is to reinstate or come up with a significant down payment so that the homeowner can agree to a 12 month repayment plan otherwise option is to liquidate. -- The file is in active foreclosure with NO sale date because the file is in active bankruptcy ; therefore the foreclosure is on hold. - My request for a NPV was denied ; request must be in writing and even then the request my not be granted. I was not given an answer when I asked what the lowest interest rate they used to determine if the homeowner was able to get approved for a loan mod or not.

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
Consumer complaint received 2015-09-29 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Reverse Mortgage Solutions, Inc.
State: PR

Complaint narrative:
XXXX letters sent to the mortgage institution in order to request the money is available, according to the monthly loan statement, and they did n't answer it.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 2016-04-19 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Debt Management Holdings LLC
State: ND

Complaint narrative:
I have been receiving phone call from a debt collector stating that I owe on a account that I is paid and closed. according to my credit report and contact with the credit card company. they have refused to send me a copy of the debt they say I owe and when I ask for their info. they get hostile and hang up on me

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-28 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
l relocated to another state, found out my bank did not have any branch in the area. l called my bank to close the account, they told me l need to come to the branch to close the account which l did. the cashier closed my account, gave me my money, he told me this is the money l have. he did not explain to me he gave me # XXXX dollars from the line of credit to borrow of which l could have not accepted that. he gave me a wrong information saying this is all my money l have in the bank. now the bank is teling me i need to pay the money with interest. if l have borrowed the money, l should have talk to them on how to pay the money back. since l was informed wrongly, which was not my fault, l should not be charged for the interest.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-03-18 00:00:00
Product: Other financial service — Refund anticipation check
Issue: Lost or stolen check — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
Santander Bank has not issued a refund check for the Sovereign Identity Protector. I was sent a letter telling me I didnt cash the check sent to me XXXX/XXXX/XXXX. I responded to the letter to for a new check on XXXX XXXX, XXXX. I have been in contact with their customer service the past three weeks and have had a lack of customer service and only told that there was a delay with the checks. the week ending of XXXX XXXX XXXX I spoke with a supervisor gave me a reference number. Then I spoke with a XXXX XXXX at XXXX on XXXX XXXX XXXX about the matter, he was supposed to try getting me a date that I would receive the check, but have not heard back from him and when I tried calling his phone it goes to his voice mail.

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 monetary relief
Consumer complaint received 2016-12-17 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: DFC Global Corp.
State: FL

Complaint narrative:
Hello, I received an alert to my credit report and it was a credit inquiry from a company called MoneyMart. I never applied for anything with this company and when they pulled my credit report they should have seen a fraud alert and my phone number listed to contact me prior to issuing credit and application verification I did not authorize the inquiry and asking for the fraudulent inquiry to be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
On XXXX XXXX, 2016, my XXXX XXXX was involved with a accident that occurred as the result of the gas accelerator sticking. The car has been in the dealership since that time. GM failed to respond to my request to investigate the situation until XXXX XXXX, 2016. The problem is that I am still having to pay a month lease payment and weekly car rentals of XXXX week. I called to see if GM could defer the payment of nearly XXXX per month and I am told that they do not defer payment of lease vehicles. Is there something that can be done because I an suffering financially?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
Santander Bank advertised its XXXX accounts by saying that customers could earn an extra {$20.00} per month " for as long as you own the account ''. This was obviously meant to imply that this was not a temporary promotion. However, about 2 years later, they closed all of the XXXX XXXX accounts and transferred the balances into XXXX of their other products. Their advertising was intentionally deceptive. In addition, after closing my accounts in late XXXX, I realized that they had never credited my account for the last {$20.00} that I was due for the month of XXXX. They admitted their mistake but said that since I had closed my accounts they could not give me the {$20.00} I was due.

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 2015-12-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
XXXX - CMS acquired my mortgage from XXXX XXXX - Agent contacted me to discuss FHA Streamline refinance options from XXXX office. 

XXXX - Moved forward to closing after delivering all paperwork required. Initial signing botched by Notary. Closing rescheduled for XXXX. " Bring to closing '' amount refunded. No other concerns reported. 

XXXX - Calls start coming in about " why I have n't paid my mortgage '' ( were told we would skip XXXX payment as part of the closing ). Emailed Sr. Loan Officer on XXXX to ask about calls. He responded on XXXX saying it was normal, procedural, and not to worry, all was fine. 

XXXX closing - signed all papers with new notary. She sent them off. Called Sr. Loan Officer to discuss higher " bring to closing '' payment required. He explained that amount was probably designated to cover previous XXXX payment that was skipped, and now we would be skipping XXXX payment instead, new loan starting in XXXX. Sent off closing amount as cashier 's check a few days later ( once refunded check cleared bank ). 

XXXX - received collections call from Carrington Collections department. Asked why I have n't paid mortgage in two months. I explained that we were refinancing ( as I had before ). Was told that there is no record of refinancing, and anyway, we are not qualified for refi because of missed payments ( we do n't miss payments - only skipped because told to! ). Reach out to original loan officer. No answer. Reach out to Sr. Loan Officer. No answer. Reach out to their boss. No answer. Emails. No response. 

XXXX - Receive a check from Carrington via certified mail dated for XXXX XXXX for exact amount of " bring to closing '' fees. Multiple calls placed to all loan officers. No answer, nor any call back. Reach out to Carrington customer advocate dept. Told situation looks unusual, told he could see a request for origination/funding the loan, but loses the trail there. Advocate reached out. At last check, XXXX, no further information given. 

XXXX - Negative credit report notification via XXXX " protect my ID '' service. 

We followed all instructions and signed in what I thought was a legally binding, notarized closing. Now we are in default with credit action being taken against us, no one will pick up the phone or call us back, and no one seems to have any answers. I am appalled and disgusted with this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
The note on our home located in XXXX California allows us to pay our mortgage to LoanCare right up to the XX/XX/XXXX of the month, I pay it through my bank with online banking so I 'm never late. however despite paying LoanCare on the fifteenth of the month they always send me a late payment notice demanding and extra {$50.00} as a late fee multiple times with a letter, however, we are not late. If I thought there was a problem with my bank then I would file a complaint with the Controller of the Currency, but my bank pays everything on time as reflected in my credit report scores. I have already notified LaonCare to stop this practice and they have replied with a letter, however I don not expect any change. now they are notifying me our home owners insurance has expired 19 days after the date they allege our hazards insurance has expired forcing us to comply with the choice of their insurance company resulting in higher fees. These are deceitful and misleading practices and need to be stopped.

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 2015-09-18 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I was contacted by ARS about a medical debt that I told them that the veterans admin. was to pay. Second, they put the debt on my credit buerueu without even contacting me by letter or mail. After I called them they were very rude and hung up on me several times after I asked them why this was on my credit .buerua. I was not able to talk to a supervisor and it 's just so frustating to get the run around. I want this off my credit and I am not getting ny answers..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BBVA FINANCIAL CORPORATION
State: OK

Complaint narrative:
Over the course of 4 months i have been consistantly misinformed and charged for for the misinformation. I was told i could get a cheaper insurance through the company and when doing so I discoverd it was not approved for my state and they could not send me any verification or even receipt showing that i had paid insurance. when i tried to get it resolved they informed me that i had a lapse in insurance and now my premium has gone up. in addition to this, when I called to pay they could not even give me an amount to pay, fluctuating between {$750.00} up to {$1200.00}, my orginal payment was {$280.00}. when I inquired about this it took XXXX transfers and speaking to the supervisor to finally get the right information. Now I have all these racked up fees and they have offered me no solution or anything for this misinformation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WA

Complaint narrative:
My mortgage loan was taken over by Carrington Mortgage Services from XXXX on or about XX/XX/2015. After multiple failed attempts to use there website I completed a payment transaction on XX/XX/2015 which is noted on my bank statement and accounted for on XX/XX/2015. From XX/XX/2015 my statement shows available balance to cover the payment. 

Recently I received a notice from Carrington that I owe a service charge of {$25.00} for a insufficient funds charge dating back to XX/XX/XXXX. I contacted them and they requested I submit documents proving I do n't owe the charge. 

I 'd suggest this is fraud. They obviously have a flaw, intentional or incompetent in attempting to bully me into proving I do n't owe something. 

I 've submitted my bank statement, their document mailed to me along with there website payment history for my account. 

Respectfully submitted, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation