milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-07-2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint: My name is  XXXX   XXXX   XXXX  and I got a car loan from Santander consumer USA. The loan was to mature  XXXX . The original cost on the car was  XXXX . I put down  XXXX  dollars and my monthly payment is  XXXX  for 60 months. So far I have paid  XXXX  dollars plus and additional  XXXX  each month to submit my payment over the phone which abruptly stopped about 6 months ago. Just to make a payment I paid an additional  XXXX  dollars t o Santander consumer USA.      On top of all this, I has contacted the company about 3 months ago to pay off when I was told that an additional  XXXX  dollars has been added to my account. I was given a 10 days grace period and have been paying my bill on time for the pas t 5 1/2 year s until I was told that I was charged  XXXX  dollars for each day after the due day of   XXXX   XXXX   for all these years. I contacted them and they refused to do anything. Please help me,

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : XXXX 150 days past due as of XXXX XXXX 120 days past due as of XXXX XXXX, XXXX XXXX 90 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX 150 days past due as of XXXX XXXX 120 days past due as of XXXX XXXX, XXXX XXXX 90 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX 150 days past due as of XXXX XXXX 120 days past due as of XXXX XXXX, XXXX XXXX 90 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX 150 days past due as of XXXX XXXX 120 days past due as of XXXX XXXX, XXXX XXXX 90 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2016 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Closing/Cancelling account

Complaint: XXXX bought this debt from synchrony bank / Sams club. I have paid the account with them.

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 10-09-2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: EXPERIAN HAS OUTDATED IDENTIFYING INFORMATION ON MY CREDIT REPORT WHICH NEEDS TO BE REMOVED.

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 09/23/2015 about Debt collection (I do not know) with MRS BPO, LLC (NC).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Calling a household in which I never lived

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/13/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Loan modification,collection,foreclosure

Complaint: XX/XX/XXXX and mutual agreement between XXXX XXXX XXXX and Bank America was made regarding a repayment plan on my loan # XXXX Case # XXXX On about XX/XX/XXXX, I attempted to make my payment however the call center advise because my account was showing in modification status the system would n't process the payment. XX/XX/XXXX I attempted to make a payment of {$2300.00} the system processed it without issue. XX/XX/XXXX, the system declined payment again the Bank canceled the repayment plan. I made several attempts to bring my account current to no avail. XX/XX/XXXX, Filed a complaint with ( CFPB ). express my concerns shortly after Bank of America customer resolution team assigned a specialist : XXXX XXXX whom I forward several financial documents/ Modification applications ... again too no avail. XX/XX/XXXX XXXX XXXX law firm notified me stating Bank America reviewed my concerns and therefore cease the foreclosure process. XX/XX/XXXX I was assigned another Resolution Specialist : XXXX XXXX whom notified me after my second complaint to ( CFPB ). stating she was my dedicated single point of contact that she would resolve the matter XX/XX/2015, Again no communication from : XXXX XXXX. On XX/XX/XXXX XXXX XXXX Attorney for the Bank notified me regarding proceeding of foreclosure hearing on XXXX, I have made every effort too make the loan current and provided documents requested for the modification filed ( XXXX ). Complaints with ( CFPB ). Currently the matter has not been resolved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Mortgage (Conventional home mortgage) with Seterus, Inc. (NY).
Issue: Struggling to pay mortgage

Complaint: I was making my mortgage on time and then a person called me on my phone from  XXXX  they told me not to pay the bank so i make payments to them each month a total of {$6000.00}. Then they told me I did not qualify because I was working off the books on my job. Then I started working with the  XXXX  and now I am a  XXXX   XXXX  for about 3 years now.   First my loan was with  XXXX   XXXX , then  XXXX   XXXX   XXXX , then  XXXX  and now Seterus.     Each bank I send all papers all paystubs everything they want.   Then I receive a letter from Seterus saying I could not get the modification because I did not give them the initial payment. They never sent me anything about the trial payments. Please help me save my home.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Loan servicing, payments, escrow account

Complaint: there are XXXX hard hit credit inquirys by bank of america on my credit report. I DID NOT AUTHORIZE THEM.XXXX of the hits were on the same date! XX/XX/XXXX. on my transunion credit report bank of america had hard hits on XX/XX/XXXX ( XXXX ) XX/XX/XXXX and XX/XX/XXXX. I had been contacted by the bank regarding my equity line of credit that had a balloon payment coming due in XX/XX/XXXX. I paid off the loan on XXXX XXXX with funds from my IRA.I had inquired at bank fo america about their rates but I never authorized a hard hit credit report.In fact I was very clear and stated that I did not want a credit report pulled. landsafe credit ( a company that is affiliated with bank of america ) pulled a hard hit credit report on XXXX. there is no reason that XXXX hard hits from the same bank should have been pulled against my report on the same date! the bank was informed that I was going to pay off the loan in novemeber. I contacted them to get the payoff figure. They pulled another hard hit report on the day before i paid the loan off. This is unacceptable. The hard hits have caused my score to be negatively impacted and my insurance rates for my XXXX auto policys and XXXX property policys and XXXX umbrella policy to be higher than they should have been for the past 2 years. XXXX policys at aprox XXXX more per year that I was charged because of the lowered score times 2 years is XXXX that I was financially penalized because of casual policys at the bank to pull peoples credit reports. Once again I wanted to state I was very clear when I contacted the bank that I did not want my credit pulled and I was only contacting them for information ... NOT to make application. They wanted me to modify my loan. After I did my research and was told by the bank that I should stop making my payments on the loan to qualify for the loan remodification I was appalled. over 6 years ago I had XXXX credit card that XXXX missed a XXXX payment due to being ill and the bill getting lost in the shuffle. other than that I have always paid my credit card bills and house loans in full and on time. ( credit card with visa has been paid monthly on time and in full since XXXX ) anyways to be told not to make the house payments to " qualify '' fro a loan was something I was not going to do. From the dates you can see they pulled XXXX credit reports in less than 17 days is unacceptable. pulling a credit report the day before I paid off the loan is unacceptable. I am asking that the XXXX hard hit inquirys be removed immediately. Thank you XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (UT).
Issue: Loan servicing, payments, escrow account

Complaint: Bank of America is not reporting correctly on my credit. They included my mortgage in a Bankruptcy when I had paperwork with in my bankruptcy indicating possible re-affirmation. I continued to make payments on time also indicating of a reaffirmation from XX/XX/XXXX to XX/XX/XXXX as per my HAMP modification. This is also not reported. I also paid loan off in full by refinancing and Bank of America is refusing to show the payments from XX/XX/XXXX to XX/XX/XXXX and status of account paid as agreed on credit. They are sure quick to show bad status by will not show anything good.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-03-2015 about Debt collection (I do not know) with National Credit Systems,Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently pulled my credit report and discovered that this company has reported that I owe them several debts to my knowledge I received not prior notification that I owed them any debt. My rights under the FDCPA have been violated as I was not granted the right of validation

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Credit card protection / Debt protection

Complaint: Bank of America has an option on their Automatic Payment web page that says in essence " if my bill is over {$1000.00} - do n't pay it. '' So you think you are setting up an automatic payment, when in reality you are actually telling the site to automatically not pay your bill. Then, when your bill is not paid, Bank of America charges you a {$25.00} late fee. This seems like a deceptive business practice designed to trick people into missing payments in order to generate income for Bank of America.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NE).
Issue: Problem with fraud alerts or security freezes

Complaint: I was part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.

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 09/23/2016 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: Other

Complaint: I needed to file a claim for a travel benefit. First, my credit card company advised me to pay the car rental company for repairs. Then they denied my claim. Then they told me that they do n't really provide insurance, and that the benefit was advertised to attract new customers.

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 04/20/2016 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I did a dispute with the equifax. I was living with my parents as a XXXX under the age. I was living with my mom 2 to 3 years prior to this company reporting on my credit when I became of age they told me I had to go on the lease as a tenent and was only XXXX they said even because I was staying there I was not paying rent and was a XXXX XXXX still in School. They attached the balance of the bill on my credit report this is affecting me to get a place and continue on with my life, They attatched this reporting to my moms credit as well and she is the responsible Party. I do not believe I should be held accountable for this bill Im just trying to start off and it has effected me greatly.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2016 about Student loan (Non-federal student loan) with Campus Student Funding, LLC (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I am a former student of XXXX and was forced to take out student loans through XXXX XXXX. I recently reviewed a new article alarming students to contact you and file a complaint if they became a victim.

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 05/24/2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Loan modification,collection,foreclosure

Complaint: The lender refuses to stop the sale date to give the opportunity for Loan modification Review.

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 10/20/2015 about Debt collection (I do not know) with Jacobs, Marsh LLC (WV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I submitted a complaint to CFPB on XXXX/XXXX/2015 about Jacobs Marsh LLC repeatedly contacted myself concerning a debt owed that is not mine. Case number : XXXX. 
The company responded to my complaint on XXXX/XXXX/2015 by stating : " we have removed all active numbers that are associated with XXXX XXXX 's phone number. " This Company has not removed all active numbers that are associated with my phone number as stated as I am still receiving calls from Jacobs Marsh LLC so I am summitting again the same complaint. 
I have their number on my caller id with dates and times with the last one received XXXX XXXX, 2015 from : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Delinquent account

Complaint: I dont recall ever having a chase account for this amount. I have called them may times only to get the run around by them.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint: It is alleged that I co-signed a student loan for my son, XXXX XXXX XXXX in XXXX, 2005. I dispute the validity of that for the following reasons:1. At that time, I was judged XXXX by the XXXX Administration. All my affairs, including back accounts and financial decisions had to be approved by an administrator who was approved XXXX I did go with my son to the Texas XXXX XXXX XXXX XXXX and spoke with a financial person. I was not considered a valid financial participant by them. 
2. The signature is not mine. I am left handed, and whomever signed my name is a right handed person trying to write left handed. 
The XXXX, TX police took a report. They would not file charges because my trip with XXXX to the school was considered an indicator of my willingness to assist him. 
The XXXX. has ruled XXXX. 
Texas XXXX XXXX in XXXX, TX, will do anything including falsifying documents and lying to prospective students about job prospects in order to get guaranteed funds from the government. 
Can you assist in getting this removed from my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: On XXXX XXXX XXXX I hired Equifax to care for my credit. I pay {$16.00} monthly for Equifax ID Patrol service, which will continue until they allow a cancellation order on XXXX XXXX, XXXX to go into effect. On XXXX XXXX, I was informed by media reports there company had been hacked. On XXXX XXXX, I tried to contact Equifax, and was directed to go onto a site to see if I was one of the millions who 's identity information had been stolen from them. I was indeed one of the millions who 's identity information had been hacked. After many hours and days of working on notifying my banks, credit card institutions, retirement institutions, putting freezes and identity theft notifications on all my credit et cetera, Equifax has never contacted me by e-mail or otherwise, to notify me of there recent security breach. The very reason I hired Equifax was to protect my most personal and sensitive information. They have unequivocally failed to do this, and are still forcing me to pay for a service that I did not receive.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Debt collection (Other debt) with Duncan Solutions, lnc. (KY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: In XXXXl 2017, we were driving from Florida back to Kentucky through Georgia. We drove on a toll road without being advised that it was a toll road. After filing entrapment complaints, we decided to go ahead and pay the fee. We have received three threatening letters from Professional XXXX XXXX, XXXX in XXXX threatening us by damaging our good name and credit rating. I have repeatedly called and the answer I get is that the threatening letters are computer generated. I am tired of receiving threatening letters from this company and demand a written apology and a promise to stop this practice.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with fraud alerts or security freezes

Complaint: I tried to place a security freeze with equifax via their phone number and website, they were unable to assist me and I am not able to reach a live person to fix this. I tried to place a security freeze with XXXX and they want to charge me {$100.00} to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Vehicle loan or lease (Lease) with HYUNDAI CAPITAL AMERICA (FL).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: ( Upon communicating with CFPB over the phone regarding initial claim # XXXX, was advised to open the new one due to dishonest and misleading response of Hyundai Motor Finance ). 

1. Company states the vehicle was retuned late on XX/XX/XXXX. This is a lie - it was returned early prior to the maturity date. Returned promptly on XX/XX/XXXX. The proof is attached ( receipt by the official dealer as well as date/time stamped photos in the lot ). 
2. Company states that it sent multiple letters due to vehicle not being returned. Two lies! First, returned early. Second, none of the letters were received. 
3. Company states that it made attempts to notify me of {$420.00} balance due during XXXX. This is actually true. HOWEVER, my first letter with {$420.00} payment was mailed on end of XXXX. It, for some unknown reason, did not make it to Hyundai and was never posted. I was then out of country due to family emergency and did not receive XXXX mail. Upon return on XXXX, attempted to send {$420.00} electronically. Hyundai rejected the payment ( see attached ). Finally, made payment on XX/XX/XXXX. 
Numerous payment attempts!! 
4. Company states that I made 7 complaints to various agencies. Lie! I made 2 so far ( BBB and CFPB ). Prior to that I attempted to resolve with the company directly on countless occasions. I was not treated with respect. No respect and courtesy were given to 7 years loyal client with outstanding payment history. 
5. If company denies again, complaints will be filed with FTC, Attorney General, etc. Additionally, numerous complains will be posted around the World Wide Web.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX, Transunion and XXXX are all reporting a fraudulent account on my credit report. Account # : XXXX for {$16000.00} opened XX/XX/XXXX. I received a letter from XXXX XXXX on XX/XX/XXXX that I needed to pay a Direct Parent Plus Loan for {$16000.00} ; Account # : XXXX. ( XXXX was not one of the options listed above for a loan holder choice ) I immediately called them to find out what this was about. They told me I opened a student loan in my name only for my daughter XXXX XXXX and that I was responsible for this loan and it was in my name and my name only! I believe my ex-wife ( divorced in XX/XX/XXXX ) used my social security number without my permission to open this account. This account is fraudulent and I will not be held responsible! I did not sign any documentation or approve this loan to be opened in my name. My ex-wife 's name is XXXX XXXX XXXX phone number XXXX and lives in XXXX, GA. I reside in the state of Pennsylvania and had no knowledge of this loan.

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 non-monetary relief