milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-08-2016 about Consumer Loan (Vehicle lease) with NISSAN MOTOR ACCEPTANCE CORPORATION (TX).
Issue: Managing the loan or lease

Complaint: XX/XX/XXXX my XXXX year old father got XXXX into renewing his lease on a Nissan Altima that was about to expire and the local Nisan dealership contacted him with a year end leasing deal on a XXXX Nissan Altima without taking into account that he was only driving XXXX miles a year. As soon as he drove the new ( the XXXX 's were already being sold ) off the lot he lost about {$2500.00} which was not accounted for in his lease. I took over his finances in XXXX as he was diagnosed with XXXX and tried to renegotiate or get out of the Lease which was for 39 months at {$410.00} per month and allowed XXXX miles. 
Nissan Motor Acceptance would not negotiate and said even if he could not drive due to his XXXX he was liable for the full amount of the lease. So we sucked it up and paid it for 39 months and turned it in with XXXX miles or XXXX % of his available mileage. The car had a small XXXX inch tear in the front bumper cover which Nissan claimed as chargeable wear and tear and they also wanted {$390.00} for a disposition fee and would not budge on both despite repeated calls and E-Mail complaints to Nissan Motor Acceptance about the charge totaling {$950.00}. After sending only XXXX statement with a due date of XXXX XXXX XXXX they sent this to a collection Agency on XXXX XXXX XXXX instead of negotiating with me a reasonable settlement based on the low miles on the vehicle. 
I would be willing to settle this for {$250.00} as my Dad is now XXXX and in an XXXX and does not have much money left.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2015 about Credit reporting () with EQUIFAX, INC. (WV).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I currently have a dispute regarding the same item submitted on XXXX XXXX, XXXX. I have student loans which were one point with XXXX. These loans went into default for a XXXX months back in XXXX. I executed a rehabilitation agreement in XXXX and finished the program. As such, I noticed on my credit report that XXXX who did not service my loans placed on my credit report an incorrect amount, late tradelines, negative information, incorrect negative collection information for the time period of XXXX? This is not accurate nor did this organization service my loan in this time period. However, when I investigated the same with Equifax I received nothing back from them regarding my disputes. I also sent letters back in XXXX for the company to remove the tradeline, as well? I received nothing. When writing to Equifax several time I include both XXXX and XXXX disputes as they are XXXX incorrectly reporting. Here are my equifax dispute numbers : As you can see I never received results as to XXXX complaints. This seems to be an ongoing problem. 

XXXX PENDING XXXX/XXXX/XXXX XXXX/XXXX/XXXX ( Estimated ) - XXXX PENDING XXXX/XXXX/XXXX XXXX/XXXX/XXXX ( Estimated ) - XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX - XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX - XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX - XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX -

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Checking or savings account (Checking account) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: I have not applied for a checking or savings account with this bank. Any inquiries made on my XXXX XXXX or credit file are unauthorized?

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Vehicle loan or lease (Loan) with HYUNDAI CAPITAL AMERICA (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: We feel that we were given misleading information about the balance owed on a new Hyundai Elantra. We voluntarily gave the car back to Hyundai. Settlement amount was {$8200.00} We paid to XXXX XXXX XXXX We have a XXXX balance. Hyundai is reporting that we have a balance of {$3400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2015 about Credit reporting () with Experian Information Solutions Inc. (OK).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is information on my report that both of my banks have confirmed are not mine and should be removed. It was filed in a bank rupt claim XXXX years ago. The XXXX credit card in the dispute belonged to my sister. It list me as an authorized user from XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (HI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have a collection account on XXXX, XXXX and Equifax from XXXX XXXX XXXX XXXX in the amount of XXXX. I was one of the signers on the account which was a business account. The account was closed by the bank. I understand reporting this against the company but not against me. The account was opened with an EIN number under a business name as a business checking account and not a personal account.

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

Complaint: Quite simply, I authorized a transaction to Honda Financial Services for my monthly payment in a timely fashion. I posted this payment on XXXX XXXX, 2016 and it cleared my bank ( XXXX ) on XXXX XXXX. My payments are due on the of each month. 5 days later, Honda Financial posted another transaction of XXXX to my checking account without authorization. They claim it to be a " glitch '' but they do not realize that this XXXX over drafted my account. It 's not about the fee! They have denied me access to my own funds through an unauthorized transaction, however long that may be for. This is clearly a violation of my lease agreement. I have paid on time, every month. Doing business with an institution like this ( who violates their lease agreements ), is not in my best interest as a consumer. I wish for any action to be taken to terminate this lease as I do not wish for Honda benefit from hard working, bill paying American citizens.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I am currently trying to get a mortgage and am legally XXXX on limited XXXX income. I monitor my credit reports as often as I can and recently I have been locked out of XXXX XXXXXXXX XXXX because they claim I am enrolled in some sort of credit monitoring services and until I pay what they claim is due, I can not access my credit or scores. In fact, XXXX has been helpful in giving me a good idea about what is being reported at Experian for a long time but now suddenly, they are not able to access any information on me either. I am attaching the message I get when I try and do so. 
Also, I was denied credit this week because they could not find any credit on me with Experian which is impossible. 
I have attempted to call them on the phone and have been on hold for 45 min or more and then disconnected.
I am unable to dispute or verify any information with Experian at all and they are causing me extreme financial hardship because unless I resolve this with Experian immediately, a house I am trying to buy will not be available and I have to move within a month. 
PLEASE help me!! Why and how can they do this to me?

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 09-04-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Williams, Alexander & Associates, Inc (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I filed a complaint with the Attorney General 's Office in New Jersey and the FCC because I currently go to XXXX and there is no way I am in collections with them. I spoke with the XXXX Manager in XXXX, NJ about this and said that it was an error. His name is XXXX XXXX, phone number ( XXXX ) XXXX. You can contact him and he will let you know that this should not be in collections or on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Trouble during payment process

Complaint: This is the message I put on Chases website : **** DO N'T LET CHASE BANK DESTROY YOUR REBUILD FROM HURRICANE HARVEY ***** XXXX XXXX should go to jail for the pathetic way they are treating Harvey victims. My damage from Harvey is more than my maxed out flood insurance of {$250000.00}. I have heard of many people losing their contractors because Chase is holding their insurance money just like mine. In order to keep my contractor I  decided to pull from savings and have spent {$170000.00} to date ... The flood was 4 months ago and I received my insurance check over a month ago for {$250000.00} less a {$25000.00} advance. Chase is using our insurance money to loan out and they are refusing to pay us interest on our money. Just a side note ... the dirt that my house sits on is worth XXXX the amount of my mortgage ... without the house even being there. There should be an exception to the rules for catastrophe victims. *** CHASE IS CAPITALIZING FROM OUR LOSSES *** Flood date from Harvey was XXXX/XXXX/XXXX My officeXXXX is XXXX XXXX at Chase bank and when I asked her to pay interest on my money they were holding she laughed in my face ... her phone # is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2017 about Checking or savings account (Other banking product or service) with BB&T CORPORATION (VA).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: Someone claiming to be from BB & T responded to my complaint number  XXXX . I could not send online feedback because my consumer rights is threatened by error or related matters.  Time  is important. Attendance is a plus.

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 05/19/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (DC).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo has been servicing my home mortgage for several years. For the last two months, they have mistakenly applied my monthly payment to the principal balance instead of applying it to monthly principal and interest payment. As a result, Wells Fargo calls every month saying that I have missed a mortgage payment. Of course, they reverse the late fees and credit the payments properly, but this loan servicer is not properly servicing my loan. 

I finally figured out what is going on. They say I 'm paying too early. The most recent check was received five days before the deadline. Apparently that is too early. Wells Fargo needs to be clear with its customers about what the deadline is. Do they really expect the payment to be received before the due date or after the due date and during the grace period? They wo n't tell me that the due date is n't really the due date, so I do n't know how a responsible borrower is supposed to behave.

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 09/20/2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I have filed a complaint with the BBB about this company. They responded advising me too end them 1 ) ID Theft Report and a Police Report. I did what they ask. They are still reporting this debt o my credit and its negatively affecting my scores. I need you all to contact them to find out why this has n't been removed

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: All Credit bureaus state, including this one, that it is their policy that when shopping for a mortgage or car loan and there are multiple credit inquiry 's in a short time period, these inquiry 's will be reported as XXXX inquiry. It is understood that a record of all inquiries must be maintained. But they must have their software make the adjustment in the " NUMBER COUNT '' of inquiry 's on the file. I recently bought a house and a car. instead of having XXXX recent inquiry 's, I have XXXX. I am losing 10 % of my credit score with all outside creditors because of this, and it is costing me a lot of money because of increased interest fees..

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: This is to inform you that I have contacted XXXX Credit Bureau in regards to them having some incorrect addresses reported on my credit bureau report. They still have not addressed this and removed these addresses. If you would ever so kindly please help me to get these removed I would be ever so grateful. The following is incorrect : XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 11/28/2017 about Mortgage (Conventional home mortgage) with TIAA, FSB (TX).
Issue: Trouble during payment process

Complaint: My home was flooded as a result of Hurricane Harvey and I am living in a house w/ walls missing. My flood insurer ( XXXX ) issued my wife and me a {$15000.00} check as an advance on my dwelling claim to help w/ emergency repairs. I sent the check to TIAA-XXXX ( XXXX XXXX XXXX ) my mortgage company over a month ago for endorsement so I can start the repairs, but they subsequently transferred my loan to EverBank. This was back on XXXX XXXX, 2017. I have made several calls to both TIAA-XXXX ( XXXX ) and EverBank. XXXX 's Loss Draft Department told me on  numerous occasions that the check was sent to TIAA Corporate, so they can send all information and files related to transferred loans, including insurance checks, to EverBank. Recently XXXX advised me that the check was cashed by XXXX but XXXX refuses to release the money to me or EverBank, meanwhile I ca n't get funds to pay my contractor. I pay my mortgage payments religiously through ACH debit, so there is no reason for XXXX to withhold the $ XXXX or take so long to send to funds to EverBank. How XXXX can cash a check that required my wife and my endorsement and then keep the funds w/o giving them to EverBank is beyond me. I guess a big financial institution is allowed to take a consumer 's funds for over 30 days, earning interest on it while the consumer is struggling to fix his house after a natural disaster. We live in a XXXX XXXX where things move quickly and I still do n't understand why XXXX is not required to act more quickly, allowed to cash a check w/ my wife and my name on it w/o telling me, and literally tell me nothing during this process, requiring me call them almost every week to find out what happened to the $ XXXX check from my insurer. PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Debt collection (I do not know) with Financial Corporation of America (TX).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: At XXXX on XXXX/XXXX/2016 I received a phone call from a person named XXXX who claimed to be with Financial Corporation of America. He asked to speak with XXXX and I said this is he. I asked what this was in reference to and he said a personal business matter. I said if you are not gon na tell what this is in reference to I am not gon na talk to you and he would not so I hung up. Check the supporting documents to see that there is no Financial Corporation of America listed at this number or anywhere in the city of XXXX XXXX, Texas. As you will see this number is registered to XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with MUFG UNION BANK, NATIONAL ASSOCIATION (CA).
Issue: Application, originator, mortgage broker

Complaint: Hello, I recently purchased a townhome at XXXX California. I initially worked with the builder 's preferred lender XXXX XXXX XXXX, XXXX, CA for the loan processing. I put down XXXX % down payment and wanted a loan of XXXX % and XXXX % line of equity.. We approached this lender in XX/XX/XXXX and my home was due to close XX/XX/XXXX. During the pre approval process, we had asked the loan officer if they offer 7-year ARM adjustment loan instead of 30 year fixed. They confirmed they offer XXXX ARM adjustable rate loan. I have the pre approval letter from them that stats 3.75 % for XXXX ARM. After 2 months rates expired, and once my closure date of XXXX XXXX was announced, the lender called me XX/XX/XXXX and mentioned that he is talking to a couple of partners and they could offer an interest rate as low as 3.125 % and will call back to confirm the same and lock the rates. The entire week they did not call. He finally called on XXXX XXXX and shocked me saying that they could offer only 30 year fixed with a very high interest rate of 4.5 % for the XXXX loan of {$620000.00} and 5.5 % for the XXXX loan of {$100000.00}. The XXXX loan was from their partner company XXXX XXXX XXXX XXXX. 
I was given very limited time look for another lender. 
However, a loan officer from XXXX XXXX came forward to help me and he is a broker for Union Bank. He offered me an interest rate of 3.125 % for the XXXX loan of {$640000.00} and 4.5 % for XXXX loan of {$79000.00}. They were not able to close the home on the deadline of XXXX XXXX and the builder was not giving extension as the XXXX lender had already processed the loan documents and they asked me to close the loan with the XXXX lender. 
The XXXX lender, sent very strong emails to the builder threatening to report them to Consumer Financial Protection Bureau if they force me to close the loan with the XXXX lender citing the practice as steering. Finally the builder agreed to give extension till XXXX XXXX. 
The XXXX lender locked the rate of 3.125 % for the XXXX loan for XXXX ARM. He mentioned the interest rate for the XXXX loan is 4.5 % confirmed the same many times. 
After closing the home, I repeatedly asked him to send me the statements for the XXXX loan and he then tells me that Union Bank is charging 6.24 % interest and not 4.5 % that he had promised. Union Bank did not give anything in writing regarding the rate. However XXXX XXXX sent me a document on their letter head stating it as 4.5 % When I contacted Union Bank directly they tell me to talk to the broker and I can not contact them directly. When I contact the broker he says Union Bank is not agreeing on 4.5 % rate. 
I really feel cheated and I am caught up with a higher rate now. 
Hence I wanted to file a complaint with CFPB regarding my experience. 
Please do the needful in helping me resolve this issue. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 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: Credit inquiries on your report that you don't recognize

Complaint: Personal information was stolen back in early 2016 and  since that time, someone has tried to open multiple credit card accounts, and loans. Received police report, and contacted several companies to assist, but no results. Also contacted and disputed inquiries with all credit bureaus and still no results.

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 04/29/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Managing the loan or lease

Complaint: I have a vehicle loan with Santander Consumer. I 've been trying to pay this off by paying towards my principal. My XXXX/XXXX/2015 statement said the balance was {$8800.00} with a principal of {$8700.00}. On XXXX/XXXX/15 I made a monthly payment of {$470.00}. I called the company around XXXX/XXXX/15 to make it known that I would like to send in payments towards my principal. I explained this was n't possible online through the company 's website. I was advised that I had to make a payment XXXX then call in to make them aware the payment was to go to the principal only. On XXXX/XXXX/2015 I made a {$1000.00} payment towards my principal and called in as I was advised to do. The company applied so much towards the payment and the rest towards the interest. I kept calling in to have this corrected. The company kept saying it was being taken care of. My XXXX/XXXX/15 statement came and stated the balance was {$7500.00} and a principal of {$7400.00}. So on XXXX/XXXX/15 I made another payment of {$1000.00}. Same thing happened after calling in and making them aware the payment was for the principal only. Since then I paid my XXXX/XXXX/15 regular payment of {$500.00}, ( but the regular amount is {$470.00} ) on XXXX/XXXX/15. I called in on XXXX/XXXX/15 to do another principal only payment of XXXX. I called back to ask what was the balance before the principal and got a price of {$6000.00}. I asked how after I have made principal only payments and XXXX monthly payments. I believe my balance after the XXXX/XXXX/15 principal balance and the payments I have been making that this is TRULY and error. I keep getting the run around about this so I asking Consumer financial to follow through with this so I may be treated fairly and pay what I owe and not be cheated. I was informed that I ca n't get a number to the accounts department because the company only communicate via email.

Company response to consumer: Closed with explanation