milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/21/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NC).
Issue: Taking out the loan or lease

Complaint: Auto financing with Santander Consumer USA is a setup for failure among Consumer 's who are less fortunate which includes Low Income, Race, Age, and those receiving Public Assistance when I applied for an Auto Loan XXXX could have had my loan funded by other Finance Companies. 
But Santander Consumer USA inflates there loans to the point it benefits them and the Dealerships who use them, both benefit at which time the Consumer 's are the big losers. 
They Bait the Consumer 's like myself with interest rates and other fees along with monthly payment amount so high that you will fail. 

I was ask if I receive public assistance which I did at the time of my loan. I feel strongly this is just one reason I received an interest rate of 28 % and a monthly payment amount of {$470.00} also I was ask why do I receive XXXX, this and my age was another reason I received an unfavorable loan interest and payment. 
I was told that GAP Insurance was added to my loan only now I am told that GAP is n't included in the loan, which means that if the vehicle is totaled Santander will come after me for any remaining amount owed. 
The extra fees and add On 's benefit Santander and the Dealerships. There are so many violations under the Truth and Lending Act on my loan. 
I was also told by Santander that they deferred one of my payment to the end of my loan, but instead they lied, I found out that they are still charging me late fees and other fees saying I am late, they are also reporting me to all of the credit bureaus as been late. which I was denied a loan because of the negative information been reported, Also my payoff should be {$17000.00} instead Santander Consumer USA told me my payoff is {$20000.00}. The loan when taken out over a year ago was for {$18000.00}. 
It 's unbelievable that Santander Consumer has so many complaints against them when I searched XXXX, I would hope that CFPB will do something about this Business. 
I feel that my age, XXXX, income, and Public Assistance has everything to do with my higher interest rate, payments and other fees, extras. 
They set me and other Consumers up for failure, get as many payments out of us as they can and than repo of vehicle. 
I also notice several lawsuits against them for similar issues.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Federal Adjustment Bureau, Inc. (OH).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: My brother XXXX XXXX had a lease with this property. I stayed with him for a couple months so he had to put me on the lease. Before XXXX XXXX lease was up i moved out of this apartment. I have tried several times to advise creditor that XXXX XXXX is taking full responsibility in this debt as he was the one living there. I was suppose to be removed from the lease as i did not live there. For whatever reason this company did n't get a termination letter so still want to keep this is my name when clearly I had a lease with real estate XXXX in XX/XX/XXXX till XX/XX/XXXX. At the beginning I called them trying to work something out thinking that for the time I was there I owed something. Shortly after I investigated the entire situation and realized they 've made a mistake. I want this company investigated and shut down I already filed a complaint with them before plus with the credit bureau having them investigate 6 times but they just try to send it back to them. I want someone to be done. XX/XX/XXXX they are accusing me and its XX/XX/XXXX??? Really they are that thirsty for commision bc their scams are n't working so they attack the ones that actually calls them trying to resolve thinking that they will talk them into paying whatever they say. Please review closely and this time you have my permission to shut them down. This account is in my name in error and needs to be removed. I have investigated this for a couple years now and have found my lease on where i lived at in this pro

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have an account on my credit report that does not belong to me. I disputed this with Transunion and they reported back 3 days later that it does belong to me. It usually takes up to 30 days which seems to me like they did n't even attempt to look into this. When I contacted the company XXXX XXXX via phone and chat they could not verify the account because they did not have my correct date of birth. I know that this is not my account and I want a complete investigation done and this to be removed asap.

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 02-10-2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Bank of America foreclosed on my home and sold my home in XXXX 2014 without having my ( PROMISSORY NOTE ) @ the time sale.I later found out that they broke the FEDERAL LAW and I lost every thing.I need LEGAL help with a BREECH of CONTRACT that they did to me.They even took my ESCROW account away from me also.

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 07/15/2015 about Debt collection (I do not know) with URS Holding, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received a number of calls from XXXX regarding the collection of debts against my estranged parents which I have tried to tell the collectors. I assume they think I 'm lying about not knowing the whereabouts of my parents so they have continued to call me. Last week they began calling my husband. I have asked them not to call again and/or told them I do n't have contact information for my parents but they continue to call us.

Company response to consumer: Closed
Consumer complaint received 11-12-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Deposits and withdrawals

Complaint: My husband and I have had a BoA account together for over 10 years. A few years ago I noticed an automatic debit from our account of {$150.00} that was not associated with any company and I feared a fraudulent transaction so I called the fraud line and the associate was as surprised as I was because there were no transactions details. She agreed to investigate. A day later we were informed that it was a BoA charge and they indicated that this charge was for a safety deposit box that my husband and his former spouse had together 20 years ago in another state. We were also informed that the debt would continue to accrue unless we flew back to XXXX ( we now live in XXXX ) and paid to have the box drilled to the tune of {$170.00} and emptied ( former spouse had both keys and had agreed verbally to empty and close the box which was not done ). 
BoA was unable to collect from his former spouse because she was now with another bank. Apparently during an audit BoA discovered that my husband now again held a BoA account so they debited our joint account - without any notice, identification or information re : the reason for the charge that was actually owned by my husband and his former spouse. After all even the bank technician was mystified by the debit and to investigate. All total we were changed {$320.00}. I can actually understand the drilling fee. But I can not understand the legality of charging our joint account-under the cloak of darkness- especially when this charge is ultimately shared by me, an innocent party. My question : was this legal? Was it proper? Is my husband jointly and severally liable for that prior debt and by default so am I because I share a new account with him at BoA? If so, can a bank just randomly charge our jointly held account for debt owed by my husband and his former spouse just because they have access to our account and can do so without notice at all? Thank you for your assistance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (VA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: XXXX is a terrible company they gave me a debt of XXXX dollars for a phone I just got and I recently switched and now they 're trying to set a collection on me if I did n't pay I have the XXXX XXXX XXXX XXXX as my lawyer and if they think they can take me for a ride they ca n't I 've had numberous complaints about this company and how they poorly treat they 're customer told me I was a valued member. They harassed me and said if I do n't pay they would collect judgment all I had was a phone and tablet and they gave me a XXXX dollar fee because I was late paying them

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I became a member of Equifax 3-in-1 Monitoring with 4 FICO Scores in XXXX XXXX. I paid {$12.00} per month for two months already There is only one score provided, and for the 4 Fico Scores. 
Today, XXXX XXXX, XXXX, I opened my Dashboard at Equifax 3-in-1 Monitoring with 4 FICO Scores,  and Equifax is providing me with an outdated FICO score from XXXX XXXX. 
All records of my revolving accounts are incorrect, there is NO ACTUAL PAYMENT AMONTH FOR EACH OF MY CREDIT CARDS, CAR LOAN AND MORTGAGE. The Equifax incorrectly register only the minimum amount and/or the balance. Still, balances on credit cards are outdated and incorrect. 
When I disputed, Equifax just confirmed if the information was existent without looking into more specific information. My credit report has several, the same, repeated accounts/same accounts with the same account numbers which appear more than once on my credit report ( U.S. Dept. of Edu.  Student Loans which were transferred to XXXX ), and Equifax just agreed to verified that they were ever existing. Equifax is keeping repeating accounts on my credit report. Equifax is hurting greatly my credit worthness. Should Equifax include all ACTUAL PAYMENTS I MAKE CORRECTLY FOR EACH OF MY CREDIT CARD/INSTALLMENT LOANS, my score must go up every month. Thus, since I filed disputes last week, MY EQUIFAX CREDIT SCORE WENT DOWN WITH 59 POINTS according to XXXX XXXX. Should Equifax consider my ACTUAL PAYMENTS, WHICH ARE MORE THAN 70 % HIGHER THAN THAN THE MINIMUM REQUIRED AMONTS FOR EACH OF MY CREDIT SCORE, THERE SHOULD NOT BE A DOWNFALL IN MY Equifax or XXXX CREDIT SCORE, BUT MY CREDIT SCORE MUST GO UP ABOVE 720!!! 

I ALLEGE THAT EQUIFAX and or XXXX IS INVOLVED IN DEFLAMATORY suppress OF CREDIT SCORES OF CUSTOMERS LIKE MYSELF, AND HAS NO INTEREST OF FIXING AND RASING THEIR CREDIT SCORES. EQUIFAX and XXXX are HURTING ME negatively and FINANCIALLY SINCE NO CREDIT COMPANY WOULD GRANT ME CREDIT DUE TO THE PURPROUS defamation OF EQUIFAX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Debt collection (I do not know) with High Point Asset Inc (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Some company named high point asset management from phone number XXXX keeps calling everyday. I answered one time and I was threatened to be put in jail for not paying a debt ( a debt they could not explain ) if I did not provide them with my debit card number or bank account number to satisfy the debt. The lady advised there was a court order to have me arrested if not paid. I hung up on her. They call everyday, I have my cell phone on auto reject but they leave the same voicemail everyday. Thy never did confirm the debt, they just kept asking for my personal information. I aksed them to mail me a validation of debt and they say " they did '' but I never received anything. Is this legal? And how do I stop it?

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: On Wednesday, XXXX XXXX, leased a new Toyota Sienna. I called Trans Union and " unfroze '' my account for 72 hours. The dealership was unable to get a copy of my credit report as it was still listed a frozen. On XXXX XXXX, I placed a second unfreeze request for 7 days. Again, the dealership attempted to pull a copy of my credit report and was unable to do so because the account was frozen. I called Trans Union at XXXX on XXXX XXXX, escalated through XXXX Supervisors, until I reached a XXXX who claimed that she corrected the issue and everything was fine. However this morning, XXXX XXXX, the dealership attempted XXXX more time - and was unable to pull my credit report. I called Trans Union and they claimed it was corrected. I called the dealership, and once again, they are unable to pull a copy of my credit report because it is frozen, but the supervisor I talked with today XXXX assured me that the problem was corrected. I do n't know what to do next. The dispute is still open and Trans Union does not seem to know what the problem is.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Checking or savings account (Checking account) with BB&T CORPORATION (AL).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: OnXX/XX/XXXX I was charged XXXX in overdraft fees, and then again onXX/XX/XXXX I was charged another XXXX in overdraft fees. At the time my other checking account I have with BBT had well over {$20000.00} in it. I also had requested over a year ago that my second checking account ( one with 20,000 + in it ) be linked to the checking account that received the over drafts. That was never done and I was charged XXXX in fees. This is very upsetting. And I have requested from BBT to refund them, and they have refused to. There is no reason I should have been charged these fees when I have plenty of money in their bank.

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 08/24/2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Sears/Citibank finance a washer/dryer 0 % interest XX/XX/XXXX to XX/XX/XXXX. Paying approx. {$300.00} a month and had payment scheduled to pay off by XX/XX/XXXX XX/XX/XXXX Sears/Citibank sent offer 0 % until XX/XX/XXXX. InXX/XX/XXXX - I took the offer to pay off another debt. Made normal payment inXX/XX/XXXX of {$300.00}, to pay off loan expiring inXX/XX/XXXX Sears/Citibank took the entire {$300.00} and posted to new promotion loan I just took out a few days before and will not move any of that payment to loan expiring XX/XX/XXXX. Made a payment of {$400.00} on XX/XX/XXXX in the amount of {$400.00}, Sears/Citibank took the entire {$400.00} and posted {$400.00} to the new loan I took out in XX/XX/XXXX. Called Sears/Citibank 4 times and each customer service rep refused to move any of the {$700.00} over the two months to loan expiring XX/XX/XXXX. This is not what the promotional stated. On Sears/Citibank web site it states if you have two promotion payment will go 50/50. On the agreement when I sign the check for transfer it stated payment with post to account with highest APR % both have 0 % so it should be split. I believe Sears/Citibank is trying to cause me to pay the retro interest collected so far in the amount of {$400.00} plus dollars. I believe this is wrong practice for me as a consumer, Sears/Citibank is trying to set me up for failure.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: The massive hack/breach at Experian exposed my personal information. I have put a fraud alert onto my account, and will need to be extra vigilant to make sure my identity is not stolen.

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 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I was taken to collections because of a federal student loan. All communication was being sent to my freshman year dorm room for over 6 years before being contacted by a collections agency, though my cell phone number was provided as part of my application. I was never contacted by phone. This affected my credit substantially, and I now I have to pay additional interest and fees.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: i never had or owned a XXXX phone or XXXX due to my living arrangements i did not have all my information and a lot of my personal belongings where not given to me or thrown away.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Credit card () with SYNCHRONY FINANCIAL (MD).
Issue: Other

Complaint: I had a need for XXXX work and signed up for CareCredit. During sign up, we discussed the cost, I provided some private information and the credit was approved. Never was a promotion campaign mentioned or what would happen at the end of the " promotional period. '' Not aware of the promotional period, I contacted them to request an extension of credit for additional XXXX work, and again, no promotional period was mentioned. It was a regular call with a representative from the bank. At no time did she mention a promotion or offer the opportunity to pay off the balance early to avoid interest XXXX 26.99 % ).

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have sent in 2 written disputes XX/XX/XXXX, XX/XX/XXXX and countless phone calls. In my written disputes, I have asked for all non-account holding inquiries be removed due to no being authorized by me. I have attempted to contact the companies and each company has no account or information that matches my profile.

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 03/21/2017 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (CA).
Issue: Fraud or scam

Complaint: This person that said they were selling a puppy and they tried to scam me and I asked them multiple times for a refund and do n't respond I told them to cancel the puppy but they said later and have n't refunded me I need help to stop the money or get it back please

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-03-2017 about Debt collection (Mortgage debt) with Specialized Loan Servicing LLC (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I, XXXX XXXX XXXX XXXX, requested that Specialized Loan Servicing LLC provide proof of this debt by showing my proof of the note in a letter dated XX/XX/2017. SLS LLC stated in their document to me that they were only the service provider of this note in letter dated XX/XX/2017 signed by XXXX IDXXXX. I told them that this violated my original contract. TXXXX XXXX XXXX XXXX XXXX f/k/a XXXX XXXX XXXX XXXX XXXX as successor Indenture trustee to XXXX XXXX XXXX, XXXX XXXX for XXXX XXXX XXXX XXXX XXXX, Series XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX is listed on their letter as the current creditor. SLS has admitted that they are not the owner! I DEMAND SLS LLC show my original note that I signed within 5 business days of receipt of FULLY REFUND all of my payments, interest and fees to the account on file with XXXX XXXX ending in XXXX. Afterwards, release my lien and all closing documents to the address listed on file.

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 07/31/2015 about Debt collection (I do not know) with Pressler & Pressler, LLP (NJ).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: On XXXX/XXXX/2015 I noticed an unauthorized inquiry on my credit file. When I noticed the inquiry on my credit file I notified Pressler & Pressler of this discrepancy. They ignored my request. It has been over XXXX days and they still refuse to remove this inquiry from my credit file. I have no open accounts with Pressler & Pressler. My attorney will be reporting Pressler & Pressler to NJ Attorney General XXXX XXXX if they do not remove this inquiry immediately.

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