vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-16 00:00:00
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX

Complaint narrative:
Out of necessity I used Money Gram money transfer service to send money international, I pay the fee service required to send money with the promise that will only take 5-15 minutes to be available for the recipient to claimed. It has been more than 10 days and my money does not reflect as being deposit. For the last two weeks I have contact MoneyGram to find out the status of my transfer, which every time I have contact I have been informed that my money is ready and available to be claim, when my recipient tries to claim the money it does not appear available. I have asked MoneyGram for a clear answer, however MoneyGram has not been able to provide me with a clear response as to where my money is or what happened. I requested for my money to be reimburse immediately, I was informed today that it will take 10 days in order for me to get my money back, which is something that does not reflect in their policy. I am a hard working individual, and if used the system is out of necessity, I do not want others to go to the same struggle I am going through. It is not acceptable for MoneyGram to lied about their service, it has cause many troubles with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Aspen National Financial, Inc.
State: CA

Complaint narrative:
I decided to work on my credit report. I saw that Aspen Collections was on it for a debt I thought was taken care of. The company no longer sent me any bills, no longer tried to contact me, since 2010. 
Credit reports shows that it is still in collections. I contacted Transunion directly and filed a dispute. When I was notified that the dispute was resolved I see that the balance trying to be collected had increased from {$200.00} to {$310.00}. What?!! Obviously my attempt to clear this up, backfired. Now what can I do? Is that legal? Why did the amount increase? Help? I have since filed a request for investigation with XXXX XXXX. It appears that absolutely nothing was done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-23 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Lending Club Corp
State: MO

Complaint narrative:
Long story short my dentist referred me to a loan company to pay for some dental work ( XXXX for XXXX ) he would do for me the next day. The loan was funded for {$7000.00} to the dentist. Before the close of business that very same day I called the dentist and spoke to his staff to say I changed my mind and I did not want the to do the XXXX. The next morning I called the loan company and the loan company said they could NOT cancel the loan since the money already went to the dentist. I called the dentist office to tell them this to ask for a refund of my {$500.00} in cash I gave them the day before and they said the dentist would call me. Well he called me 3 days short of a month later and said he " incurred some cost '' before I cancelled my appointment. He said he would cancel the loan with the loan company and give me a partial refund of my {$500.00}. This never happened. I have called his office many times since XXXX XXXX when this first started. Now the loan company is calling me to pay off the loan. I did not receive anything for this loan and I did not receive the money. My dental insurance company paid the dentist approximately {$150.00} for the examination that day, so he can not claim he received nothing for my visit that day. I received nothing that day. The loan company is calling me up to 5 times a day including Saturday and Sunday. That is the basis for the claim these collection calls are not fair, the dentist has my money, and he has now contributed or the loan company to negative information on my credit report. 
The following is a longer version with some additional information : On the morning of XXXX XXXX, 2016 my dentist, XXXX XXXX XXXX, after a brief examination, said I had a broken crown and I needed a XXXX. In fact he said I could use XXXX on the other side of my mouth. After he told me that the total cost is {$7500.00} I told him I did not have enough money. He referred me to his staff to secure a loan with the Lending Club. I signed a paper and his staff spoke to the loan company on the phone, I did not talk to them at that time. 
My initial examination was XXXX XXXX, 2016 and the loan was funded that BEFORE the procedure ... .about three weeks later I received a letter from the Lending Club saying " sorry my loan application has been DECLINED, yet now they are calling me for payments when they gave the money to my dentist.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-21 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I purchased a washer/dryre from Sears in XX/XX/XXXX. I made regular payments and was never late. In XX/XX/XXXX, I made a payment on the due date and was immediately turned over to collections. With the proof that the payment was not late, I contacted Citibank and demanded that their mistake be corrected. When I tried to make my next payment, I was unable to do so because a survey came up that demanded ansers to questions that had nothing to do with my online account. The survey requested a home phone number which I did not have and they had my cell phone number. I was locked out of my account. I had sent 20 emails, which I still have. They were all blocked and none of my calls were returned. I received no paper statements and when I tried to access my account, I was unable to do so. I then sent them a check for payment in full for the last balance I could access. My check was returned to me with no explanation. This account was then turned over to collections in XX/XX/XXXX. It did not say that it was for Sears and after many calls to different collection agencies I was refused the information as to what account this debt was originally for. I refused to give my private info and pay a debt when I could not get the name of the original creditor. This month I received another letter from XXXX XXXX with all of the information for this account and it was the first time I was told that it was from Sears. I paid the balance on this through the collection company which was less than the check I had sent to Sears 4 years ago. This is ridiculous and should never have gone to collections. I have since called citibank and they have said they have no record of this account. I have been put throuhg a huge hassle and had my credit negatively affected by their poor customer service practices. I still have every email and letter that I sent to them. They never tried to resolve this matter with me directly.

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 2015-11-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
I am having difficulty resolving an issue listed on my credit report with SANTANDER CONSUMER USA, a creditor. I have attached a copy of the account for your review. Here is an explanation of my account : " I fell behind ( twice ) on my car loan and it was repossessed in XXXX, XXXX and XXXX, XXXX. A fee of {$370.00} was added to the account for both occurrences. I paid my car off, of the principal balance in XXXX, XXXX. In XXXX, XXXX, the car loan continued to be extended ( for fees incurred by the creditor ), even though my principal balance was paid in XXXX, XXXX. The payment changed from {$240.00} to {$200.00} a month, during this process. In XXXX, XXXX, {$7.00} showed as the remaining principal balance. XXXX, XXXX, the same amount showed as a principal balance of {$7.00}. It continued and in XXXX, XXXX, the balance was still {$7.00}, even though I paid the principal off in XXXX, XXXX. I paid the {$7.00} on XXXX XXXX, XXXX. The balance as of XXXX XXXX, XXXX, now shows {$0.00} cents. When my counselor and I called SANTANDER CONSUMER USA, they said they are keeping the account opened with a {$0.00} cent balance so they can collect over {$1000.00} in fees. I believe this is not only unfair, but negligent on the creditor 's side. I have already paid the balance in full and the creditor continues to charge me fees. I am seeking to resolve this matter, with your help and request the fees to be removed entirely and make the balance on my account reflect zero on the credit report. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Money Now- Hattiesburg, Inc.
State: KY

Complaint narrative:
Just recently started receiving threatening letters from Money Now. I have called the store on XXXX XXXX several times and left voicemails for the manager and also asked that they provide date/proof of debt ( mail to me ). No call backs and no proof. Money Now recently sent me an even more threatening letter. I am attaching all for your review. I believe they are over any KY statute of limitation timeframe to collect this alleged debt and/or are outside their mandates legally.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-04-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I wanted XXXX, and was required to have my car ( like to own or rent ), the choice was to own, I was denied for auto loan in every bank institution, reason was my bankruptcy, so i had no choice but to go to a car dealer, who promised me to help with loan and the car. At first my auto loan to Santander bank was denied, after a week car dealer called and said he managed for approved the loan from same bank, but I must hurry and come to sign some papers, I was desperate and basically signed papers, and within XXXX or 3 weeks dealer had sold me the car ( old XXXX, but was promised XXXX ). Please keep in mind I did not received the money from bank ( bank gave funds directly to a dealer, and only then dealer release the car ). Got the car at end of XXXX XXXX and after two month Santender bank seize the car, declaring that application was filed fraudly, Also another fact, the tow truck came to take the car as for non payments, and I had called the police and police asked from tow truck to prove for non payment, and I was shocked Santender bank gave a tow truck driver the official letter as for non payment, I had showed my car payment statement and my bank statement, but XXXX trust more the document from bank, ( police never trust civilians, we all know that ). 
So, If a dealer wrote any fraud on application, in which I was not aware, why I should take responsibility, and If there was a fraud activity but I think only comes from both sides, bank representative and dealer, ( they made some kind deal, i only speculate with my situation, and I was not present when they made deals ). Anyway after two months Sandender seize the car, and after XXXX year declare to pay balance. I had found that Santander makes this kind practice very widely across the country, and I hope in future many consumers will not make mistake as I did.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Synovus Bank
State: MA

Complaint narrative:
This account was closed 1 year ago and with a XXXX balance. I received my full security deposit from this company. Since that time they have hired XXXX company to pursue undisclosed charges. Not once did the company a specific date or transaction yet added a new balance of {$200.00}. I 've since become permanently XXXX and notified XXXX XXXX and XXXX XXXX of my exempt from collection attempts at my home or phone. XXXX XXXX has ignored the request to stop harassing me and continues aggressive collection attempts and still sends statements in an account that was close in XXXX 2015 one year ago

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-18 00:00:00
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I called Santander on XXXX/XXXX/2016 auto loan company and ask them to come and pick up my car, I no longer can afford the payments, I gave them my address of where the car is, which is my home address for over XXXX years and to please call before they come to the house so I can open my gates. But instead they sent an text blast to my past employer including all my friends and family. People called me because they thought I was in trouble with the law This was very embarrasing because this is my personal business information and this is predatory collection practices. SEE STATEMENT BELOW : " Hello, I am trying to reach XXXX XXXX. Please contact me today regarding file # XXXX. Thank you, Investigator XXXX XXXX ( XXXX ) XXXX. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Benuck & Rainey, Inc.
State: NY

Complaint narrative:
Original creditor : XXXX, XXXX. 
False account balance : {$59.00} XXXX has been harassing me about this bill of {$59.00} for a while, the reason I have not responded to them is because they actually OWE ME MONEY. The original amount they had charged me was more than the above amount of {$59.00}. I paid them the original amount a while ago, and have the bank check reference to prove it. 

Previous to my paying that bill, I had talked to one of their reps ( XXXX , XXXX ) on the phone and he said he would discount the cost. I waited a while without receiving the discounted charge and decided to go ahead and pay the original amount. Even after I paid the original bill, a new REDUCED bill has been continually sent to me from XXXX XXXX. 

XXXX XXXX has since used XXXX XXXX ( debt collector ) to try to collect from me. I contacted XXXX XXXX and the collection stopped. However, I just received today another collection mail from XXXX XXXX XXXX , XXXX in NH for {$59.00} ( not sure why there 's a XXXX cents difference ). 

At this point I do n't even care about the money XXXX owes me, I would this like the collection requests for this to stop once and for all. 

Thank you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
I have not been late on my mortgage in four years.I check my credit and Ocwen is saying that I am XXXX behind and have not made a payment in 3. months They say I owe XXXX.My credit score dropped horribly.I only owe XXXX.They more or less told me it was my problem They say they show me current but it is on my credit.This is only one of the many ways they have made my life a living XXXX.They have XXXX me out of thousands of dollars over the years.I would like to see something done to them.I am afraid they are goung to try to foreclose on me.They sent a notice to the Making Home afordable company stating I was behind but I 'm not.Not sure what to do now.Please please help me.Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22 00:00:00
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc.
State: NV

Complaint narrative:
i went to XXXX XXXX/XXXX/14 to buy a car. i found a 2014 mustang stock car with no upgrades, loon the sales man stated that the car was XXXX $ but that we can work down the price to {$19000.00} out the door, so i said ok ill put {$11000.00} down cash and finance the rest, so over a period of a year i was unable to keep up with the payments and was wanting to sell to a friend who would accept the payments so i called the finance company to see how much i needed to pay off the company. they stated XXXX i was confused and went down to gaudin and talked to loon and he remembered me and that i put XXXX XXXX so he said he contact me after he located my contract in the office. two weeks went by and nothing was heard, so i called and then he sent me supposedly the copy of the contract with the finance numbers not recognized. that total sales price of my car to be XXXX and a false signature made by me. i called gaudin and nothing. then my car was repo again and i was unable to keep up with all the extra fees and i let it go. my car was taken and they did n't contact me to get my belongings back nor when the auction was. i know for a fact that i did n't sign to by a XXXX XXXX i was told XXXX $ out the door. now im walking and am unable to get around. i have always maintain myself with a vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, National Association
State: AZ

Complaint narrative:
My home suffered a loss due to flooding on XX/XX/2016. My home is covered under a flood insurance policy from FEMA. NYCB is the secondary lien holder on the property and the total loan as approximately {$38000.00}. The claim for structural damage alone is in excess of {$61000.00}. On XX/XX/XXXX, a check was issued by FEMA as an advance payment to assist with paying contractors for demolition, dry out and repairs. The Check was made out to myself, my wife, XXXX XXXX as the primary lien holder and AMTrust Bank as the secondary lien holder. On XX/XX/XXXX, my wife and I went to a local branch of XXXX XXXX and the bank manager endorsed the check immediately. After that we immediately went to a local branch of AMTrust Bank of which NYCB is a subsidiary. We were informed that this would have to go their loss department by 1st class mail. A follow-up phone call was made on XX/XX/XXXX and at first it was explained that their loss department would have to review the claim and send out inspectors for the work before they would issue a check. I explained to the customer service representative that NYCB was n't issuing a check and that the claim is not with their bank, it is with FEMA who I am dealing with directly. After about 15 minutes of explaining that all I needed was their endorsement of the check, I was told that as the secondary lien holder, NYCB did not need to go through the lengthy process and would simply endorse it and send it back. The check has not arrived as of XXXX, and I am looking at liens being placed on my property from the cleanup company this week. A phone call to NYCB went to a voice mail system. My concern is that this lender is unreasonably holding onto a check that they are the forth signator on. I am especially concerned when the balance of the funds from FEMA arrive. My house is a complete wreck and hardly livable, yet this financial institution seems unwilling and uninterested in addresses these real concerns. I have had to slow down the course of work significantly due to the delay from this lender. They should simply be able to endorse the check as XXXX XXXX did and send it back to me without unreasonable delay. I am hoping to work through this claim as quickly as possible to get back a home after my loss from XX/XX/XXXX. FEMA 's adjuster is handling the claim and responsible for inspections.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I challenge the adverse account designation of Santandar and its predecessor, XXXX XXXX XXXX, on the basis that it is inaccurate, incomplete and reflects a debt that is not mine and that payment accommodations were made but not actuated by XXXX. XXXX violated its agreement regarding payment on all matters which are at issue. Payment was available when scheduled but XXXX transferred the account to SANTANDAR, resulting in untimely and inaccurate accounting and taking of payments from my account. This adverse account must be removed from my credit report. Credit reporting is inaccurate and incomplete. 

BackgroundDuring these periods I had to change my bank account because I found that an online company had compromised my account by taking funds to which it was not authorized. A new account was obtained only to find that the bank transferred the bad and unauthorized payee to the new account. This caused problems in late payment on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I had called XXXX and was informed that they were transferring the account to SANTANDER CONSUMER USA and that their computer system had problems in the transfer during the months of XXXX, XXXX and XX/XX/XXXX. 

XXXX indicated that the payment arrangements I had and made to preclude any problems would be acceptable, however, that was not the case or actuality of theiractions. Accommodations were made for timely payment but not fully instituted when XXXX transferred their accounting files to their new partner, SANTANDER. 


SANTANDER CONSUMER USA ( Herein " SAN '' ) took over the account of XXXX overseas and with the transfer came a host of problems. New rules and dates for payment were instituted which were not conducive to my payment schedule. I provided for extra funds to be in my account to accommodate the transfer of account by SAN from XXXX. Problems occurred when unauthorized and untimely electronic withdrawals were taken without my consent, as they were not scheduled deposits I had arranged and agreed to. 

These unauthorized and untimely payments were taken on the following dates:XX/XX/XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Grant & Weber
State: CA

Complaint narrative:
I had a XXXX in XX/XX/XXXX. had XXXX followed by XXXX & XXXX. By the time I was released to go back home some of the bills had already gone past due and were sent to collections. I have been fighting since then to get everything paid and my credit repaired. All that has been done except with Grant and Weber in XXXX, Ca. They refuse to give me an accounting and I wo n't pay until they do ( it 's about {$200.00} ) .But I am extremely unhappy with the unprofessional way they do business and resent my letter to them ( Certified ) and reported them to the California Bureau of Consumer Affairs XXXX They in turn referred me to the FTC who referred me to you.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation