vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-03 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
About a two months ago, I began receiving threatening phone calls from a debt collector service regarding a online payday loan that I never received. The company threatened that I committed check fraud and that there will be someone coming to my job to arrest me. I spoke to an individual who was very nasty and would not give me much information. They told me I better pay the loan and hung up. I called back and was extremely upset about this call. I was finally able to speak to someone to explain that I needed to pull my bank records from XXXX 2011. I went to the bank and pulled the information and called this company back and was told to fax the information in. WelI, I faxed in this information and called again speaking to different people and I was told that I was okay and should not get any more calls. Two days later, they began calling my cell, my father 's telephone number and my home number. I again attempted to call and explained what I was told and I reached the same nasty person STATING THAT I BETTER PAY THE MONEY AND HUNG UP. I proceeded to keep calling to get someone different and never did and then the gentleman stated that he would have them come after me for harassment. I could n't believe the conversation. I faxed the information again and left it alone. Three weeks later I receive a call on my telephone from a woman stating that she has my business address and have been given some paperwork to have me picked up and processed for this outstanding charge that I never had. This time the amount was huge and they stated that I had to pay it in order for me not to be arrested. With my job on the line I paid XXXX dollars allowing these people to have my debit card. However after getting off the phone crying, I began to contact people and told them what happened and they informed me that I was duped out of my money. The dept collectors company from the XXXX call never provided their name and all I have is telephone number XXXX and the payday loan they mentioned was XXXX XXXX. The next debt collector did provide their name XXXX XXXX XXXX located in PA and XXXX as well as the person who called to threaten that I would be picked up, XXXX. I have tried to call this number back and no one will pick up. I was given a name XXXX XXXX and the company that is now stating I owe for a payday loan is now call Midland Funding.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
I am writing to dispute Santander Auto Loan. This account was never late. On XX/XX/2015, I sent a cashier 's check to the lien holder. In the memo line showed this was 12 months of car payments. The lien holder is now noting my account as being late. Which it has never been late. I have attempted for Santander to delete this account as it has never been late, but yet they refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 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:
Roadloans.com put a hard inquiry on my credit without authorization. I called and spoke with XXXX who told me that he did n't know where it came from, but they could n't remove it. There is no possible way I authorized this through them or anyone else for any kind of loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: FRIC HOLDING CORPORATION
State: TN

Complaint narrative:
I was notified by the payroll dept that my wages were going to be garnished regarding a filed judgement. After contacting the representative of the creditor, we agreed on a lump sum plus monthly payments. I never knew that I had a court date for this matter, so I asked for all documentation. He could not supply me with that, and advised me to get that from the court. However, I also asked to receive written notification of our agreement, as well as written monthly statements showing payments and current balances. The legal clerk said that that could not be provided, although if I paid over the phone by electronic check I could get balances each time. I was also not notified of the date of the last payment on the card, which was approximately in 2005. I am now aware of statute of limitations in collection matters. As a debtor, I have rights as well, and I believe that I am entitled to receive the written documents that I have requested. I was a XXXX for 12 years, and did the XXXX for my department. XXXX. If I am paying this large amount of money, I would like to see monthly statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Benuck & Rainey, Inc.
State: AL

Complaint narrative:
XXXX from XXXX and XXXX keeps calling me on a debt that I have paid three times on. I am actively pursuing legal action as it is damaging to my good name, credit, and character.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Grant & Weber
State: CA

Complaint narrative:
Services received by my son from XXXX XXXX during period that my son had full coverage from medical with XXXX copy. When I discovered that this was a charge now sent to collections that was not my responsibility. I tried several ways to resolve this. I faxed a letter from Medical stating coverage start date and proof of coverage during the visit that was wrongfully placed as my debt. I spoke on the phone to XXXX and XXXX and was asked to fax proof of.coverage. I made a copy and did just.that. I am suffering from this collection account, Medical may have made a mistake.or the billing department from the clinic. I want this to be completely erased from all XXXX credit bureaus. Thank You, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22 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:
Ive been a Santander account holder for a little over a year now and Ive had some hard times come and I ask the company for a payment deferment and they tell me my account is in excellent standing that I should n't have an issue being approved. So I wait the 2weeks they told me it would take for a " Manager '' to decide my approval and I never receive a call or email, so I take it upon myself and call them. They then tell me I was denied because I was not past due atleast 10 days or more. I do n't think its right to accrue late charges and interest for every day after the 10 day grace period they have, if its not easy for customers with great payment history to be approved. Not to mention the loan is way more then what the vehicle is even worth, even for it being a newer vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: AZ

Complaint narrative:
I have been dealing with Chrysler Capital For months trying to get this taken care of. I 've spoken to many supervisors one was named XXXX. One was named XXXX. They never would call me back then I got transferred to the office of the president again, we will call you back nobody calls me back. I 'm having so many issues and they have tons of notes in the system on me but yet today I get a pay or were going to repossess your vehicle letter but yet they have not answered me on my issue and I do n't know what to do because I asked him to change my payment plan. So, I 'm waiting for them to answer me and get back to me and then I get this nasty letter. It has been months and I am so fed up. They have all the notes in their system and they even pulled some of the calls were I told him what I was told and they agree I was told that they could change my payments and yet here I am still waiting months later.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Synovus Bank
State: GA

Complaint narrative:
On XXXX XXXX, 2015, I disputed whether the account listed as XXXX Bank and the data legitimately belonged to me. See Attached. After this information was allegedly verified by the bureau I requested what information was used to verify such in a correspondence letters. See Attached. This was done with XXXX Bank as well by phone. I have yet to receive any information confirming the validity of said account. This account should no longer exist on these reports XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: CT

Complaint narrative:
My car is financed by Sandtander consumer USA for almost 3 years so I was thinking I have 1 more year to pay off my loan which is {$20000.00}. I recently tried to trade in my car and get a new car so I called and ask them how much of my loan is left to pay off, the manager told I still owe {$20000.00} on the car even though I have paid off over {$11000.00} for close to 3 years. They said the {$11000.00} plus that I have paid so far was all late fees

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: MO

Complaint narrative:
We had a few major medical and vehicle repairs hit all at the same time. We got behind on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
I took out an auto loan from Santander in XXXX 2014. The loan has been in auto pay with no issues until last week. Last week I contacted them for the first time since I have had the loan and advised that I would not have the money available when the payment was scheduled to extract on the XXXX. The call center representative assured me that the payment would not extract, I even asked her if she was certain and she said " yes ''. When reviewing my bank account after the due date, I noticed that the payment had extracted from my bank account and I called Santander. I requested to speak with a supervisor who was not helpful at all. He stated he did n't know why the payment extracted but that he could refund it and I would have it back within 7 - 10 business days. I find that to be totally unacceptable and unfair to the me. As of today the payment still has not been refunded and I just called Santander again at XXXX EST and got a message that they are either closed or on the phone. At this point I do n't know what else to do other than ask for help from the CFPB, I have contacted Santander one time since accepting the loan from them almost two years ago, and asked one thing and they have failed the only thing I have asked them, this does not give me any confidence in them as a lender. Their poor service is causing me harm as I believed what they told me and anticipated that the funds would not extract. Obviously, I am not looking to not make the payment and I have never been as much as a day late with them, unfortunately I had some unplanned expenses come up and needed to pay a few days after the due date this month. I have attempted to contact them multiple times to try to resolve the issue, and I am either unable to reach them or when are unwilling to help when I do reach them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: NM

Complaint narrative:
My complaint is against Santander who I have my auto loan with.. Reason I am filing a complaint is that I have been paying my car note for almost 3 years and my balance on my car has not gone down, and it 's all going to interest, because Santander has a very high interest rate that they charge their customers. This interest rate is ridiculous!!! And on top of that they do not offer refinancing to get a lower payment, and it 's hard to find a Bank that will want to refinance because my balance is still so high with Santander. I feel they should help consumers who want to keep their cars buy offering refinancing or extending their programs like the deferment or the Trip programs to consumers who really need help and time to catch up ; but seem to offer it only a XXXX times through out the contract of the loan. I want Santander to allow me to catch up on my loan by either offering refinancing and getting me a lower payment or extending to me the program of offering a deferment or the trip program. If they refuse to offer any of these then my only option would be left to Voluntarily surrender my car to them..I think what Santander is doing to customers is deceptive ; with their high interest rates and not allowing any options of refinancing so customers will always be paying them without paying off the car.

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

Complaint narrative:
I 'm trying to get a refinance on my car loan. I 've had it for 2 years, and they wo n't lower the payment. They keep sending me threatening letters and wo n't help me. I need my vehicle and have been struggling with the high payment. I need to get in lowered.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Cornerstone Mediation LLC
State: NC

Complaint narrative:
I was contacted by this company on XX/XX/XXXX. I was told that this is regarding a debt with XXXX XXXX XXXX ( never heard of them ) for a payday loan for the amount of {$540.00} with an origination date of XX/XX/XXXX - but then after further inquiry, it appears that this loan may not have originated that date but that was the date it was due so the origination date may have been as much as two months before that date. 

The XXXX call was transferred to a guy ( not sure who that guy was ) and I told him that this " alleged loan '' was placed into a bank account that had been closed since XX/XX/XXXX so that this potentially was a fraud account they were handling. He told me that I needed to take it up with the court and hung up on me. 

After calling back, I asked to speak with a manager. I was transferred to XXXX. I explained to him the issue and he provided me with the information I requested. I asked for a debt validation letter to be mailed because if this turns out to be fraud, I have various avenues to pursue. His demeanor completely changed after that point, accusing me of threatening him. I told him I was n't threatening him but I was just stating a fact and trying to get information in writing. 

The information they have is all confused. The initial call ( on voicemail ) said that I needed to be available from XXXX-XXXX for the currier service from XXXX County to serve me with documents. Again, this is the first contact I have every had with this company. I asked him where he was going to mail the debt validation letter to, he provided me with an old ( 3 year old ) address. I asked him where they got XXXX County from. He said that is where the address is currently at ( the address he provided was in XXXX County ). 

I asked if he had contact information from the company they got the debt from ( he said it came from a collector ). He informed me he did n't have that information but it would be provided in the letter as he did n't have that information readily available. I also asked if he had contact information for XXXX XXXX. He said he did n't and had never heard of this company ( weird, right? ). 

I told him I would call back if I did n't have a debt validation letter in my email by XXXX tomorrow ( XX/XX/XXXX ). 

I am attaching a copy of my last bank statement from the XXXX account he is speaking of to show that it was closed on XX/XX/XXXX before the alleged deposit. This account had many fraudulent activities which is what it was closed and all other issues have been resolved accordingly.

Company response to consumer: Closed
Consumer complaint received 2016-07-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
Santander is reporting incorrect payment history, incorrect balance, as well as, account status with all XXXX credit bureaus. I 'm submitting this complaint because although Santander has been notified to conduct a through investigation they have not and continue to willingly report incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Santander Consumer USA Holdings Inc.
State: MS

Complaint narrative:
Santander, Contacted me at work where I am not supposed to receive those kinds of calls and asked me about a vehicle that I have never owned in my life claiming that they were unaware that my name was not unique in the state. I finally got the person to understand that it was not my vehicle but the phone calls caused me severe stress and embarrassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
I attempted to contact Santander Consumer and XXXX XXXX XX/XX/XXXX about accounts I had with them. I wanted them to send me information on when the account was opened and paid off. I contacted them via mail and sent a certified letter. I gave them 30 days to respond. No response. Contacted XXXX about the situation and asked them to remove the debts. It has been over 30 days and no response from XXXX and I sent them a letter certified as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
Once again I am putting a dispute in with CitiMortgage. I was assigned a specialist who I worked with to get a modification on house. I sent all documents that were asked for by specialist. I was told that account was under review with under writer but they still were trying to foreclose. I emailed specialist a few times over the next few weeks and did not get a response from specialist with any updates. Next I received a letter a few days before foreclosure sale date ( XXXX XXXX, 2015 ) with a new specialist assigned. The letter stated due to recent internal business change. Tried emailing new Specialist and did not get a response. Called into CitiMortgage and rep advised no one was working on my account due to last rep closing ticket. I advised them that I could not get in contact with Rep over past few weeks and now they claim I need all docs but I was under the impression that everything was in and I was waiting on outcome. They advised even though I did n't know anything about missing docs. It was nothing they could do. So I asked if they were going to foreclose on my house while knowing that I did n't know anything due to no contact from specialist with updates. They advised yes. I asked if I could record conversation and response was no. Please look into their practices. Thanks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
to whom may it concern my name is XXXX XXXX XXXX, i was recently a victim of identity fraud, apparently they have opened a credit card ( Best Buy ), they made a purchase for over XXXX XXXX. the person behind this also tried to change the address in order to open different accounts. they have also attempt to run my credit not once but multiple times, due to many attempts to open different accounts my credit score is under XXXX. 

sincerely XXXX XXXX XXXX ( XXXX ) XXXX

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 2016-05-10 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
On XXXX XXXX 2016 we were scammed by a company representing themselves as XXXX. On XXXX XXXX we advised Citibank that we had been scammed and the {$390.00} charge on our account was fraudulent. Citi told us to cancel our credit card and that they would take care of it. Citi sent us a letter saying they had our information and were investigating, and credited our account. In subsequent calls with Citi the dispute people were not aware of the XX/XX/XXXX statement that Citi had our information, and asked for a repeat which we were tardy to rely to. But we were having ongoing phone conversations during which Citi 's only response was that Congress had passed an act which said the if a consumer gives a merchant a credit card number there is no fraud. We heard this as Citi '' s position during all our phone calls. I do not believe that Citi once asked the XXXX about the merchants rating, or once looked at the FTC 's info on computer scams to see that ours was a typical and ongoing scam. Citi just relies on the Act that there was no fraud. The Merchant has on four different times said it would issue credit. We would like that credit and a credit of the fees charged to our account. Thank you

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