milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-08-2017 about Vehicle loan or lease (Loan) with HYUNDAI CAPITAL AMERICA (CA).
Issue: Getting a loan or lease
Sub-issue: Problem with additional add-on products or services purchased with the loan

Complaint: Kia Motors Finance  XXXX .   XXXX    XXXX   XXXX   XXXX , CA  XXXX  Subject : VIN #  XXXX  1 ) I bought a  XXXX   XXXX  on  XXXX    XXXX   and was offered a contract for service that I would only worry about gasoline and wash my car. Those words convinced me to accept it. Last  XXXX   XXXX , I found out that I had to pay for service and I was told that I could cancel that contract. I do think that after paying for 47 monthly payments I should be reimbursed for the whole amount paid until today, since your finance employee tricked me with a disonest explanation.    2 )  Also, I would like to request a waiver on my account number  XXXX  of {$30.00} caused by my typo mistake when making a payment in advance over the internet, instead of bank account, I typed  Kias  account number. I understand it is my responsibility to check it carefully, but I was not late, not even on the due date. It was an honest mistake. After my third call, I was told what was wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: In reference to my complaint number # XXXX I add as addendum the following ( 1 ) The Bank of America notification of denial for HAMP modification options and notification 45 days for me to move to forced short sale is based on the fact that the property is a rental and I do not live there as my primary residence. However according to the the government, the Home Affordable Modification Program and National Attorney General and Treasury Dept Settlement terms in addition to my medical bill burdens, " Owners of rental properties and homeowners burdened by XXXX expenses are now eligible for mortgage relief under a new expansion of the Home Affordable Modification Program ( HAMP ). '' " Changes announced by the Treasury Department extend eligibility for the mortgage loan modification program to several categories of homeowners who were previously ineligible. Along with owners of rental properties, the new guidelines expand the program to include homeowners with heavy debt burdens from medical bills, XXXX liens or other debts separate from their primary mortgage payment. '' ( 2 ) The bank letter further references designating an income for me of {$5200.00} for me but does not provide detail, breakdown or analysis of how this amount was calculated by the 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 08/14/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I have two loans through Navient ; the direct parent plus and the parent plus loan. The interest rates on each loan are 7.9 % and 8.5 %. THIS IS ASTRONOMICAL. I, as the student, and the payer of these loans have called multiple times trying to figure out a way to reduce the interest amount, which I will say again, IS ASTRONOMICAL, to no avail. I apparently ca n't do anything on this loan since my mom is the cosigner. So, my mom has also called many times trying to figure out a way to reduce the interest rate ... yet again to no avail. The loans entered repayment in 2008. These are 2 of 10 loans that I have. I pay over 1000 $ a  month in student loan payments. I have a career as a nurse and have to live paycheck to paycheck because I am so shackled by payments, with insane interest rates, such as these. Both my mother and I have been told " interest rates are set by congress '', which is why this ca n't be changed.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Credit card or prepaid card (General-purpose prepaid card) with AMERICAN EXPRESS COMPANY (NY).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: I used the Amex Serve prepaid debit card ending in XXXX to bill pay a credit card online for which Amex Serve sends out a physical check against the funds on the account to be delivered to a merchant. ( In this case, a credit card at XXXX ending in XXXX for {$940.00} on XXXX ) After a period of no activity on the XXXX account, I called Amex Serve on XX/XX/XXXX ( they said the check is usually delivered in 2-4 business days ) to notify them of non payment to XXXX and asked to dispute the charge. I was charged the {$940.00} on the Amex serve card but never received the bill pay credit on my XXXX card. <P/>After a long wait, Amex Serve came back and said that the check was delivered and cashed by XXXX and that the dispute was closed. I then called Amex Serve again to notify them that I never received the bill pay credit with XXXX. After receiving no help from a CSR, I spoke to a manager who seemed to understand the problem. <P/>She took extensive notes detailing what happened and said that the dispute would be opened again and that the Amex Serve dispute team may possibly contact me in 2-4 business days asking for proof from XXXX of non-payment ( screenshot of the XXXX card account showing no credit given ). This was on XX/XX/XXXX. <P/>I received a notice from Amex Serve on XX/XX/XXXX directing me to look at a secure message. I could not open it and got this error message when opening the link : Bad Message XXXXreason : Request Entity Too Large. I called into Serve and was again told by a CSR that the dispute was closed as they had proof the check was delivered and it was cashed by the merchant. <P/>Once again, I explained that XXXX never credited me for the payment and that this was my third call and dispute. I spoke to a manager again who said he 'd open the dispute again and gave me the same speel about being contacted in 2-4 business days for possible proof of non-credit by XXXX. <P/>It seems like Amex Serve 's dispute process is hung up on whether the check was delivered to the bill pay recipient and/or cashed. Whether the customer actually had the bill pay credited, they do not seem to care. They as the payments company have the power and responsibility to talk to the merchant to verify bill pay credit and whether it was paid properly. They seem to be unable to resolve this case and I would greatly appreciate the CFPB 's help in getting proper credit on the XXXX credit card I used Amex Serve to bill pay.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Debt collection (Medical debt) with LJ Ross Associates (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have been continuously getting the run around from  XXXX   XXXX   XXXX   XXXX  and LJ Ross Associates regarding my medical bills- patient responsibility amounts. I called  XXXX   XXXX   XXXX   XXXX  in  XX/XX/XXXX  to make a payment arrangement on ALL outstanding bills as the statement I received in the mail stated. It stated that if I was unable to pay that I could call and setup a payment arrangement. I called  XXXX   XXXX   XXXX   XXXX  and was setup on a payment arrangement and paid the balance in full  XX/XX/XXXX   . Then the very next day  I g ot a letter from LJ Ross Associates which is a debt collection agency for a balance I thought I just paid through the payment arrangement.  XXXX   XXXX   XXXX  uses, LJ Ross Associates as a debt collector and the few bills that I was under the impression I was paying off were not included in the payment arrangement only facility fees. I called  XXXX   XXXX   XXXX  after talking to a representative a t LJ  Ross and the  XXXX   XXXX   XXXX  billing representative "  XXXX  '' told me that, that bill was not included in the payment arrangement. I do not understand how they could have been left them out when I asked for " ALL '' outstanding bills to be setup on a payment arrangement bills. I am in the process of obtaining a mortgage and this is hurting  my credit score. This  is super frustrating and this is not the first time  XXXX   XXXX   XXXX  has billed me incorrectly. In the past they have not billed my insurance timely and then when they finally do bill my insurance and my insurance pays their portion I get sent my co-pay or patient responsibility to a debt collector instead of giving me the opportunity to pay first.  XXXX   XXXX   XXXX  facility has gone through various changes through the past 10 years and I really think that they have cut corners to clear accounts before new owners have taken over. Fortunately, I have gotten those past issue off my credit report by disputes through the  XXXX  credit bureaus, but this is getting very frustrating and I need this to stop. I 'm sure I am not the only that this issue has happen too.  XXXX   XXXX   XXXX  billing practices ne ed to be investigated. And currently the bills I have been responsible for that were sent to LJ Ross for  collection were paid an d LJ Ross list ed them as a charge off on my credit report when that is not accurate. I understand that may be a separate issue but both companies practices should be investigated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I XXXX XXXX states a complaint to the Consumer Financial Protection Bureau on a very poor reinvestigation by one of the largest credit reporting agencies. Even though I showed proof that my education loans were always in deferment and that the balances were eventually taken over by another service agency, I have never made one payment ever to the US Department of Education. This national agency was only operating as a credit reporting process after the initial procurement of the student loans. The loans were financed privately. Eventually the debt was transferred to another third party. This negative reporting is causing me severe financial hardship. The same credit rating states PAYS AS AGREED, while showing an immediately 90-day late payment status while the debt obligations were deferred from payments. This is highly discriminatory. I am a professional XXXX woman and I find this type of credit reporting to be racially biased and I have zero chance of ever refinancing with this abusive rating process. All credit reporting agencies have a responsibility to maintain the strict standards of not only the Fair Credit Reporting Act, the Fair and Accurate Credit Transactions Act, the Fair Debt Collection Practices Act, in addition to the high standards of equal rights protections such as the Equal Credit Opportunity Act. I believe that the Federal Trade Commission should have a full investigation on racial inequality when it comes to credit reporting processes and that all credit bureaus should maintain the sensitivity that is essential for fairness pertaining to matters of race. My previous complaint brought no action, even though the negative payment history must be deleted permanently. If I do not receive the proper reinvestigation by the credit bureau against the US Department of Education. I will proceed a complaint with the attorney general of my state residency. This improper reporting process is causing me hard financial hardship that can only be understood by minorities such as myself trying to better their lives through education, and working several full time jobs and raise a family at the same time. My credit report needs to have the negative payment history purged permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax breach has put my identity and credit score at risk. Based on a search on their site, I may be impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Debt collection (Payday loan) with Advance America, Cash Advance Centers, Inc. (OH).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: This is the e-mail that I received, I want to know if this is legit -- Original Creditor : Advance America ( Cash Advance ) Subject : Unpaid debt of Advance AmericaFile Number : XXXX : $ XXXX ClientWe regret to inform you that due to your unpaid debt amount of {$570.00} to Advance America ( Cash Advance ) from today we have passed your case to court. You are now to be contacted by official court attorneys, who will notify you of the hearing date. Therefore you will be served a subpoena to appear at court where you can present your defense. 


We still have not received any payment or answer from you. Therefore, we regret to inform you that if we do not obtain the payment of {$570.00} in full before end of the day, we will have no other alternatives but to undertake court actions against you so before something goes wrong I thought that I shall call you and notify you about this matter. But as I was not able to reach you so I am sending you a final notification EmailAs we put your Social Security Number into our National Checking Database System we found that you have been never charged for a fraud activity & that 's the reason we have decided to give you chance to take care of this issue outside the Court without having a negative report on your Credit History and Social Security Number. 


We would advise to treat this matter with urgency and we believe you will not ignore this final reminder. To save yourself the inconvenience of court actions, we kindly suggest settling the total amount of debt and additional costs as soon as possible. 


We still trust court actions will not be necessary and look forward to receiving payment by return. 


If you wish to settle the outstanding amount or if you have any questions regarding the current situation please do not hesitate to send us an XXXXXXXXXXXX are sure the problem will be solved soon, as we have no doubt in your cooperation. Federal law requires us to notify you that this is a communication from a debt recovery corporation. This is an attempt to collect a debt. Any information obtained will be used for thatYours faithfully, Department of Cash advance America

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 12/24/2017 about Student loan (Private student loan) with AES/PHEAA (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: This loan is under American Eduction System, under the name of XXXX XXXX or XXXX XXXX for attending XXXX in the XXXX XXXX area in California. We believed this loan was originally for our older son XXXX XXXX, however he attended XXXX XXXX XXXX garduating in XXXX. The loan was issued in XXXX when neither one of them were attending XXXX. We have been trying to get loan history and whos loan this is and have not been given any information. We now believe that we have been paying on this loan for 10 years without actually owing any monies. The reason we have waited to dispute this is beacause we did have 2 kids go to XXXX and we did take loans out for both, however when we took the loan to the kids, we decovered the descrepancies in the loans. All loans for XXXX XXXX started in XXXXXX/XX/XXXXandXX/XX/XXXX, with XXXX XXXX which were sold to XXXX services. XXXX XXXXXX/XX/XXXXStafford XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX. Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Consumer Loan (Installment loan) with Conn's, Inc. (LA).
Issue: Problems when you are unable to pay

Complaint: I have had several loans with Conns and this month I was unable to make a payment due to having a baby and a miscalculation while paying my bills. I called 3 days before I was due to let them know I was unable to make a payment until the first because we are on my husband fixed income ( va XXXX ) that he receives once a month. I was told that I would have to let my account go 30 days past due to receive any kind of help and they call me everyday, and every hour if I do n't answer, to ask me the same set of questions. They tell me to ask family members for help paying. I feel as if I am being harassed for having one late payment because they have been doing this for the last 10 days with only a one day break.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-06-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (NE).
Issue: Money was not available when promised

Complaint: Problem Narrative:

Using the LTC virtual currency address provided by Coinbase (XXXX) I transferred XXXX LTC virtual currency from an external exchange (XXXX) to Coinbase. Coinbase accepted the transfer on their web site and attempted to transfer to XXXX but the transfer stuck in the process. However, Coinbase states in their automated mail the coin WAS transferred, but the evidence below shows very clearly it has not cleared.

Here is the currency audit trail from XXXX  XXXX to Coinbase proving that Coinbase has the XXXX worth of LTC on their exchange:

Completed
2018-XX-XX XXXX
LTC
XXXX
Address: XXXX
Txid: XXXX 

Here is the mail Coinbase provided to me after they got the funds:

You just received
XXXX LTC
You just received XXXX LTC (worth $XXXX USD) from an external Litecoin account. It may take up to 6 network confirmations before your Litecoin is available to trade.

Checking the blockchain, the transaction obtains all confirmations.

Here is the notification they sent for the Coinbase XXXX  transfer:
(Also, note this is an internal process that Coinbase conducts, not the customer)

You just sent
XXXX LTC
Congratulations! You have successfully sent XXXX LTC (worth $XXXX  USD) to XXXX using Coinbase.
This withdrawal is being sent to an address ("XXXX") that you haven't previously used.



Upon verification of the funds, noticed they were in a PENDING state. Waited 24-hours with no response from support. Have emailed multiples times each day since with not response. They are not taking calls on their XXXX  number. No response from their XXXX XXXX account. I have also filed a BBB report and no response with that action. I hated to resort to this action, but unfortunately I have no other recourse to retrieve my funds.


Here is the transaction details for Coinbase transfer from their Coinbase wallet to XXXX  exchange:

deposit
XXXX XXXX - XXXX XXXX, 2018 UTC

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I reached out to Jefferson Capital Systems on XXXX/XXXX/2016 after finding a Collection account on my credit report on XXXX/XXXX/2016. I spoke with a male representative on the phone. After the gentleman was able to locate the account we verified some information and found that they had an incorrect address and the account was not verified. I explained to him my concern which was the credit collection report and improper notification & verification of this account. I told him I wanted to pay the account for the full balance due and have this removed because I was not properly notified. He furthered explained to me that the account was still owned by Jefferson Capital Systems, however, it was sent off to a 4th party collection agency and I would have to pay them. I then go into further detail about the issue now and explained that I did not feel comfortable paying another agency for collection owed to them. The gentleman told me, " I 'm sorry but there is nothing I can do. '' I advised him that I would be reaching out to several different agencies over this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-01-2017 about Consumer Loan (Vehicle loan) with BMW Financial Services NA, LLC (NC).
Issue: Taking out the loan or lease

Complaint: I own a XXXX BMW X5 with VIN XXXX. The vehicle was purchased in XX/XX/XXXX and was financed by BMW Financial Services. Recently I made an inquiry to the lender to payoff the balance and possibly transfer the car to a family member. However, according BMW Financial Services, they will not be releasing the title to me upon receiving payoff, due to outstanding ( unfinished ) recall. Upon further discussion with the manufacture and dealer, I was told that, although the recall notice was sent to me in XX/XX/XXXX, about a year ago, the dealership can not complete the repair due to parts shortage. Furthermore, I was informed by BMW today that the soonest I can receive the parts is XXXX, another 6-7 months from now. The reason for the lender 's refusal to release title was referred to NHTSA 's Stop Sells order related to the recall. However, I can not find any information from NHTSA that prevents the lender to release clean title. It is NOT a sale, simply a loan pay-off. 

I feel it is unreasonable for a lender to withhold title even after receiving full payment.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Received credit report dated XXXX XXXX, 2017, Confirmation # XXXX which is currently correct. Information and score submitted to XXXX XXXX by Equifax is incorrect : Equifax reinstated XXXX XXXX as well as incorrect score of XXXX. Equifax subsequently stated that they can not change a credit score? Is that to say they WILL NOT correct their errors? ANY company that produces incorrect information, regardless of model used, should have the means to correct it. As of today the information is still incorrect. Screen print provided. Additionally, I logged into my Equifax account and all they provided without charge was that XXXX was the average score for my zip code. Otherwise, it was selling as usual ( screenshots attached ). 

So, I also request and grant permission to CFPB to actually pull my current credit report and score to have them on file in conjunction with any fine that should be imposed as well as additional evidence to support my subsequent lawsuit claims.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: My house was foreclosed on after I moved out. The mortgage company was Ocwen Servicing. They have never recorded the deed and they have it on my credit as being behind AFTER it was foreclosed. I need to get this record corrected. I looked the property up online and that is where I got the date of XX/XX/2013 when the deed was transferred. I want proof of when the deed transferred back to the bank and no one is giving it to me.

Company response to consumer: Closed with explanation