milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/13/2016 about Consumer Loan (Vehicle lease) with HYUNDAI CAPITAL AMERICA (OH).
Issue: Taking out the loan or lease

Complaint: I had a 3-year lease with Kia for a XXXX Kia Sorrento that concluded on or about XXXX XXXX, 2016. The vehicle was returned on time, without damage and under mileage. All payments were made on time during the life of the lease. At the conclusion, I was invoiced the {$400.00} disposition fee as per the lease contract. I called Kia finance on XXXX/XXXX/16 and asked them to waive the disposition fee, but they declined. The reason I requested the disposition fee to be waived is because of repeated failures with the vehicle 's operation. Within the first few months of taking ownership of the vehicle, it started having problems with the electrical system, most notably that the voice-dialing feature of the hands-free system did n't work properly. I brought it to the dealership ( XXXX Kia in XXXX, OH ) more than once and asked them to fix it, but they were unable to. On the last instance, I had the technician sit in the car and was able to re-create the problem for him and his response was " Yep, that 's a problem, good luck with that. '' I did n't press further as I was willing to overlook this as a singular, one-off problem. However, about 18 months later, the car started having problems with the remote starter that XXXX installed prior to me taking ownership - including several instances where I drove the car and when I attempted to turn it off & take the key out of the ignition, the engine kept running. I again took the vehicle to the dealership but they were unable to find or recreate the issue. Finally, just a few months before the lease expired, I was driving XXXX mph on the highway and the car completely shut off and I had to pull to the side of the road. I took it to the dealership again, but they were unable to find any problems or recreate it. I finally turned in the vehicle at the end of the lease and will not be doing business with them again. I asked the people at Kia Finance to waive the disposition fee as a sign of good faith and they declined. I will be paying the fee so as not to have it go to collections, but I think this should be investigated further as the company was repeatedly unwilling or unable to resolve multiple safety issues with the vehicle they leased to me.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I submitted my dispute to Transunion with all of the required identity verification. I received a letter from them dated XX/XX/2015 informing me that they would not conduct an investigation because I provided incorrect proof of address but I did not as you will see from the attached documentation that was notarized. I want Transunion to stop stalling and do what they are required by law to do under the FCRA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: One of my addresses is listed at XXXX XXXX XXXX, XXXX XXXX XXXX. Year it is listred for I was XXXX at XXXX XXXX XXXX in XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: Customer service would not help and take care of negative inquiries reported on credit report. I would like for these inquires to be removed. 
XXXX XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX XXXX/XXXX/16 XXXX XXXX XXXX/XXXX/16 XXXX XXXX XXXX/XXXX/16 XXXX XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX XXXX/XXXX/16

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 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I did not authorize inquiries done on 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 01/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Hello- I have had an auto loan with Santander Consumer USA for years now. I have finally paid off the account in full ; with {$180.00} late fee balance remaining. 

However, Santander has inaccurately reported the account negatively to the credit agencies when there is {$0.00} principal balance. I request they update the credit reporting to show paid as agreed and paid in full. I also request they waive the late fee balance due to the inaccurate credit reporting. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/26/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Account opening, closing, or management

Complaint: I opened an account with Bank of America shortly after my XXXX XXXX in 2012. A check was given to me and was deposited into my checking account. Days later I realized that my account was overdrawn due to the check being returned. I immediately paid the fee and covered the deposit with my account. A week later I received a letter from bank of America informing me that my account was being closed due to fraud. I never committed an act of fraud. Bank of America has reported me to credit and consumer bureaus for fraud. This has resulted in adverse harmfull action against me from the financial world. I CAN NOT open a account with any financial institution. I have tried to resolve the issue with bank of America for the past 3 years unsuccessfully. I attempted to resolve the issue with XXXX and XXXX XXXX directly but they report that Bank of America is standing by the fraud claim with no evidence to substantiate the claim.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/27/2015 about Debt collection (Payday loan) with CURO Intermediate Holdings (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have completed all payments, but it still shows as an open collection on my credit report.

Company response to consumer: Closed
Consumer complaint received 02-01-2017 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I am not familiar with the reference number involving the bankruptcy being reported. No other credit agency is reporting this account but Experian. This reference number does not apply and the court has confirmed this as well.

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 04/27/2015 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have sent the attached letter and attachments to each of the credit bureaus, XXXX, and XXXX XXXX XXXX, original counsel for XXXX and the law firm that sent me the copy of the Release of Deed of Trust. My letter explains my issue which is the outstanding balance for a short sale that occurred and was closed in 2010 still remaining on my credit report. I have recently been turned down for a loan due to this remaining balance appearing on my credit report. I spoke to one of the credit bureaus and they said I had to contact the lender because they only report what they have been given by the lenders. I am now working with another lender to approve a construction loan for me and they have indicated that I may need to get an attorney. I would prefer not to incur this cost or time delay and therefor I am filing this complaint.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-05-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Trouble during payment process

Complaint: Compliant filed against : Nationstar Mortgage LLC  XXXX  address :  XXXX   XXXX   XXXX   XXXX ,  XXXX  TX  XXXX  I 'm a debt holder of mortgage with  Nationstar. Nationstar changed my address of correspondence without consent, mailed notices to wrong a ddress & irrevocably added forced escrow onto the property for the life of the loan without consent in  XXXX    XXXX  .     Upon bringing this up to customer service on more than  XXXX  instances over last 3 months,   Nationstar fail to follow-thru despite repeated calls/requests. I 've sent all proof and related items as requested but there has not been a follow-up from Nationstar.
Financial loss : Nationstar forcefully e  scrowed my mortgage which triggered me to buy an expensive insurance. This has caused grave financial hardship to me, not to mention hours of time away from work in dealing with customer service on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Payday loan () with CASHCALL, INC. (CA).
Issue: Charged fees or interest I didn't expect

Complaint: The original loan from Cash Call was for {$2600.00} approximately two years ago and now has gone to a debt collector for a total of {$11000.00}. When I applied for the loan originally, I went to their website to apply and consider whether to take the loan. Literally right after submitting my personal information and also before being allowed to finish the online process, I received a phone call, while at work, from a very aggressive and pushy salesperson type of representative. This person talked very fast knowing I was at work and persuaded me to accept the loan. There was never any paperwork for me to sign. Everything was explained verbally and very fast and I was directed to a website where I had to agree to terms I was n't clear on via E-signature. I never received and additional information through email or regular mail afterwards. The loan was deposited into my checking account almost immediately and I found out after the first automatic payment was taken that the payments were going to be over {$500.00} per month which I do not recall agreeing to such an outstandingly high ammount. That loan eventually led to the my checking account being closed and the beginning of a financial meltdown in my life. I originally thought of the loan as a way to consolidate debts into XXXX payment that would be less than I was paying but It turned out to be much worse. I lost my car, my banking account, my credit and almost my home.

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 07/31/2016 about Student loan (Federal student loan servicing) with ACS Education Services (NE).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: ACS Educational Services , Inc. otherwise known as XXXX is using my entire social security number as a loan identifier. I have sent letters, e-mails, and was assured that the trade line would be removed from all XXXX major credit bureaus. This has been going on for one year. Only XXXX credit report is showing that the trade line has been removed. In addition to this matter, my social security number has been disclosed at XXXX local branches on a computer generated print out. No investigation has been done to find out who is exactly doing this. In addition to this matter, a small claims civil suit has been filed because of this stupidity on the part of ACS who, by the way has over XXXX complaints and is increasing daily. WHO wrote these stupid policies in regards to utilizing a students ' entire social security number as a loan identifier? Guess what else ACS, the student 's are going to find out that you indeed did do this and ACS can expect to be in court XXXX. Then, I hope you are put out of business for good and I hope a class-action is initiated on different levels and multiple fronts. I have filed numerous complaints on different sites in order to show the level of stupidity to include contacting XXXX in regards to this situation. I am afforded that right to do so.-Period! This is financial terrorism and I do n't care what anyone says in regards to this matter. I do n't plan on treating those who may or may not show up to court with respect at all- period. In fact, representatives from ACS will be grilled with questions, truth, and evidence. I am going to shun you and then I am going to turn on the mute button and only answer the Judge. You can expect the questioning in the cross-examination to be very brutal.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2016 about Consumer Loan (Vehicle loan) with AMERICAN HONDA FINANCE CORP (OH).
Issue: Managing the loan or lease

Complaint: In XX/XX/XXXX Honda financial double posted my payment. Once they credited my account, I paid them again. I was promised everything was ok and I had nothing to worry about. Well, XXXX XXXX I received a call while I was sleep 3 days after XXXX. I was told my account was past due. I explained what happened and the lady kept telling me I owed the money. My bank gift involved. The lady was waiting on documents from them showing the payment went through my account. She said she never recovered it, so I had to send her screen shots of my account then she called me and said she needed the before and after balance. That to me was too personal and I was n't happy. Well, they sent my account to the credit b stating I was over 30 days past due. I was furious because my boyfriend is the cosigner. 
I kept calling the corporate office for the VP that sent the letters to the customers apologizing for the mistake but he never called back. Well, I finally spoke with a finance manager, he listened to the complaint and had someone call me a few days later. Well, after speaking with the manager that called me, he told me he would write off half of my monthly bill once I made my payment. I made my payment on XX/XX/XXXX because it was due XX/XX/XXXX. The manager followed up with me this past Tuesday and said the balance was being written off because he seen my payment. Today My boyfriend received a message to call back. I ended up calling and spoke with a lady named XXXX, she told me I was 7 days late. I am furious.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/22/2015 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Managing the loan or lease

Complaint: I have over XXXX inquires that have been filed for a car loan. Over XXXX of these inquires was done. I have called the finance companies, and they have refused to remove the inquires from the credit report. The credit agencies, XXXX. XXXX, and XXXX have told me that I half to be present in the dealership in order to run my credit. The dispute case that I have is the confirmation no. with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (TX).
Issue: Other service problem

Complaint: I have had access to CoinBase without any issues for about two months now. I have accessed my account through two devices and after updating my password and attempting to log in on a different device, I was unable to access the account. The suggested solution was to contact customer service to send them my picture ID and proof that I live at the address on file, all of which I can do but I have not had a response from them in a week and I do need access to my account. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Mortgage (Conventional home mortgage) with QUICKEN LOANS, INC. (ID).
Issue: Trouble during payment process

Complaint: I believe Quicken Loans is violating federal law by collecting more than the cushion allowed by federal law. 

Our annual escrow report for XX/XX/XXXX shows a balance in XX/XX/XXXX for {$880.00}. Our property tax and homeowner 's insurance totaled {$3500.00} ; the 1/6 cushion allowed by federal law is {$610.00}. 

The summary of my projected escrow account for the coming year shows Quicken estimates our property taxes will increase to {$4500.00}. 

On XX/XX/XXXX I contacted a client advocate regarding the increase. XXXX told me that the increase is based on the county 's assessment. I asked her to send me the documentation that justifies their increase. I have not yet received it. 

I then called my county assessor who informed me that they don't send assessments out until XX/XX/XXXX. She stated property taxes were likely to stay the same for XX/XX/XXXX.

The property tax increase appears not to be justified and is over the allowed 1/6th cushion.

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX I called XXXX to pay {$200.00} for my credit card that was declined and I was very late. The payment went through from my Bank Of America checking account. 
I called again XXXX XXXX XXXX they said I am OK. I used the card normally. 
Almost one week, Thursday XXXX XXXX, I checked my Bank Of America account I found it overdrawn and they applied a {$35.00} fine against me. I called BOA costumer service, The lady said the payment was not proceeded from XXXX. Then she said we can not cancel the fine after a long argue. 
This is not the first time they do n't reflect transactions in my online banking. The hold them until they could apply any fine they want. They did it before with me and with many of my friends. and every time I call the merchant or any other third party they say we proceeded your payment, but when I call bank of America they say it 's not from us! 
First, the question is why should I pay from my kids budget if these banks are not doing their job? How can I get my right if I am the weakest party of the deal? 
Second, Why they hide peoples data to use them at the moment they want? 
Third, why every time I should pay for a wrong computer system that I do n't have any control on it and it gives me a wrong data. I used to pay according to what I see on my smart 's phone online banking. 
Forth, they never hide goods and food or gas transactions, all what they hides are checks, and scheduled payments to snatch the unfair and illegal {$35.00} fine. 
Please help me i getting back this amount as a sign of our government financial institutions rigor. As sign of fairness and legality. 
If they do the same thing with XXXX account holder this means a lot of easy tricky money they are collecting. 
Please help in this please.

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 04-06-2017 about Debt collection (I do not know) with National Credit Adjusters, LLC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I received an email threatening from XXXX indicating they will sue me if I do not pay for a debt I have no clue about in the amount of {$1300.00}. This company have never once notified me with validation of this debt via usps mail, and I do not know what debt they are referring to as I never heard of them.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Problem with fraud alerts or security freezes

Complaint: My personal information was stolen. I froze my credit in XX/XX/XXXX. I unfroze my credit in XX/XX/XXXX. Experian is not releasing my credit. I sent them two letters separately, one for unfreezing my credit and another one for removing the security alert. They are saying that they did not receive my fraud alert envelop. Now my credit is not verifiable by XXXX and I ca n't write my prescription. I believe Experian has highjacked my credit. Can you help me to release it.

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
Consumer complaint received 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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 have written to Experian on four different occasions requesting validation of the two collections that they have on my credit report.They have not provided me with any information that shows validation or verification of the accounts as I am not aware of these two accounts. They have simply came back and stated that they were verified and that they would not re-investigate although I was never provided with any sort of documentation. The accounts are as follows : XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$1500.00}

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 10/25/2016 about Debt collection (Credit card) with STERLING JEWELERS, INC. (RI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: For about 2 months, I have received several hangups per day. If I call back, I get XXXX XXXX XXXX regarding an 8 year old Kay Jewelers account. If I ask for a letter or do not agree to pay in full right away, they hang up on me. I have blocked over 20 different phone numbers from them yet they continue to call and hang up on me daily. They have also threatened to contact my employer. I am being harassed daily by XXXX XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation