milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/15/2017 about Vehicle loan or lease (Lease) with NISSAN MOTOR ACCEPTANCE CORPORATION (IL).
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint: Last year I purchased XXXX Nissan altima SV through XXXX XXXX dealer. It is a very bad experience. 

Without my knowledge I ended up as a lease contract. I went to XXXX XXXX for purchasing Nissan altima SV. the sales person bought me a quote and said shows monthly payment as XXXX for nissan altima sv for 36 months for 0 % Apr for finance. Then I said i will purhase. 

After 1 month of purchasing car I realized that it is showing as lease in XXXX website. I contacted XXXX XXXX then they said I leased car for XXXX for 36 months and after 3 years if i wnated to purchase i have to pay residual value of {$13000.00}. All of a sudden i felt i got trapped by this dealer. I looked at papers what i have signed they are related to lease. 

The actual car value on their website shows {$19000.00} when i purchased car. Since they changed as lease they charged my monthly payments for sticker price which is {$31000.00}. I never asked for lease. Beware of this fraud by the dealer. I reached to XXXX XXXX they said they ca n't do anything to fix it up since it is sold by dealer. 

They said it is Finance purchase and on papers they says it as a lease when signing papers. This is my first time purchase so I did not checked contract papers trusting dealer and got XXXX XXXX by this dealer for {$13000.00} additional price. 

The market value of this car is after 1 month is less than {$18000.00}. I purchased it on XX/XX/XXXX. By 1 month I lost around {$13000.00} according to their price tactics done by Dealer and XXXX XXXX. 

All Nissan Dealer advertisements show lease for approximately {$200.00} nissan altima 2.5 s. How come Nissan altima sv lease payment is XXXX . They are big fraud dealer and XXXX XXXX is encouraging this kind of practices by supporting their dealers. 

The persons involved in this are Sales person : XXXX XXXX, Internet sales manager : XXXX XXXX Finance manager : XXXX I have called many times dealer using my phone number but they never responded to my phone calls or voice mails. So I tried calling with a different number now they answered my call. If dealer do n't want to answer customer calls then they should say it directly that we can not resolve the issue in stood of not answering calls. 

Finally I was able to speak to XXXX on XX/XX/XXXX using my spouse mobile phone. Anyways issue is not resolved after speaking to Dealer. 

Is anything can XXXX XXXX fix this issue. I ca n't pay {$31000.00} for {$18000.00} worth car. I know you guys can say easily it is not on your hands since I made Transaction at dealer. But if you can please resolve issue. If you guys really want to resolve issue You guys can look at Transactions done by all your dealers in USA and see if the same car is sold for {$31000.00} in Month of XX/XX/XXXX. Can you guys help me to fix this. 

I 'm attaching contract and Pay off quote from XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: See Details, Rates & Fees Personal Information Names Reported XXXX XXXX See something wrong? 
Find out how to update personal information. 



See Details, Rates & Fees Personal Information Names Reported XXXX XXXX See something wrong? 
Find out how to update personal information. 








See Details, Rates & Fees Personal Information Names Reported XXXX XXXX See something wrong? 
Find out how to update personal information. 







Addresses Reported below have no affiliation with my personal. info. I never lived at the address below. 
Please, investigate and correct Thank you XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/15/2016 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Equifax has ignored my request to provided me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone past 30 day and can not verify this account, under section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. " that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Making/receiving payments, sending money

Complaint: Since 2014, fake companies have been taking money from my account. It 's always been small amounts, approx XXXX-XXXX each time and about twice a month. I went to my bank branch and filed the claims for. XXXX checks, was reimbursed right away for XXXX checks ( within 90 days from when I filed ) and now the bank is saying they are n't giving me the balance of those checks. The way I realized this was when my account was over drafted when they took the money outs. None of these checks are signed by me, they are all singed. By my email address.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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: On XXXX-2017 I received a notification via my XXXX XXXX account that the XXXX XXXX was deleted from my credit report after a dispute, however it still shows on my report and I would like to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (NC).
Issue: Loan modification,collection,foreclosure

Complaint: For over 2 years I have been filing and re-filing for a RMA ( Request for Mortgage Assistance ) with Select Portfolio Servicing , Inc. having no result. I learned from XXXX XXXX XXXX that Select Portfolio Servicing , Inc was found guilty of wrongful business practices in 2012, and they still refuse to pay any restitutions. For each time a client submits a RMA they receive XXXX dollars from the Federal government as incentive to help citizens suffering from hardships. Today, they have people to submit and resubmit the same documents multiple times. I worked for 20 years at XXXX only for the company to be sold to XXXX. Two months after the final papers were signed lay offs began and I was given XXXX ( XXXX ) month severance pay. Gov. XXXX XXXX changed unemployment time allowance from 2 years to 3 months, which made XXXX unavailable for Federal assistance. He also cut the XXXX program which extended unemployment for people that enrolled in school for retraining after being laid off. It has been arduous trying to return to work. I am the only graduating student from XXXX having received XXXX and still have n't landed a job. Age discrimination? You tell me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: As far as I know, I was not a customer of Equifax. If I am, I was not deliberately. Regardless, I never gave them permission to release my information during the recent data breach. Having used their form to check online, the service reported that it was likely my personal data has been compromised.
I spent a some hours researching how best to do damage control at this point, initiated a 90-day Fraud Alert with XXXX, and put myself on the DoNotCall Registry, and opted-out of pre-approved credit offers. I looked over my annual credit report and so far I have not seen anything suspicious, but my understanding is that this release of my personal information has put me at risk for the foreseeable future, without recourse.
I have gone to great lengths to maintain a great credit rating so I can finance a home and small business in the near future, and this development has added to my anxiety.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: Bogus Late Fee Charges  from Navient Student l oan. The amount bellow is for a bogus late fee. I have never been late. I have always taken the appropriate measure to defer or be  on Income base. Navient is playing games alleging that this o ccurred in  XXXX . This i  s False!
Navient To view all information regarding this notification, log in to your Navient inbox.
here 's a snapshot of your monthly statement.
Total payment due : {$85.00} Due da  te :  XXXX / XXXX / XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (IN).
Issue: Struggling to pay mortgage

Complaint: My FHA mortgage loan is currently serviced by Wells Fargo. Wells Fargo claims that the total amount past due is {$40000.00} ( see attached ). The alleged claim is for 51 payments. The original amount financed was {$92000.00} at 4.25 %. Since the current P & I payment is {$450.00}, the amount of interest due per month would average around {$300.00} per month. Therefore the total amount of interest past due should be {$15000.00}. Since the escrow amount is roughly {$150.00} per month, the total past due escrow would equal {$7600.00}. Therefore the total amount due should equal {$22000.00}. Wells Fargo is clearly trying to over collect on the amount due, so they can push the bill to the FHA for payment. I have also applied for a loan modification on numerous occasions and Wells Fargo has refused to submit the modification requests for underwriting to the FHA. Since the FHA is the investor and insures the loan, they would be issuing a partial claim to help fund the loan modification. Since the FHA is unaware of the partial claim, they were clearly in the dark on the loan modification process. Wells Fargo is in clear violation of the False Claims Act ( FCA ), 31 USC 3729 - 3733, since they knowingly withheld information and reported false records to a Federal Government Agency ( see attached ). Wells Fargo also has an obligation to process the loan modification with transparency and clarity per the National Mortgage Settlement of XXXX. Wells Fargo has refused to cooperate and has set a foreclosure sale date ofXX/XX/XXXX. Based on the violations listed herein, I am seeking your assistance on this matter.

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 07/23/2016 about Debt collection (I do not know) with Southern Management Systems Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid the debt the telephone is XXXX and the number for confirmations the paid is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: Experian is reporting inaccurate and incomplete information on XXXX account.Experian has a disregard for the FCRA and the enforcement of the CFPB.Experian refuses to correct or investigate, they try to blame the creditor for Experian 's own violation of FCRA. 
Experian account, XXXX bank # XXXX ... is reporting incorrectly, incomplete and inaccurate .... 
specifically INCOMPLETE AND INACCURATE : no reported date of first delinquency, no reported date closed, balance history should show {$12.00} is the amount of last payment not XXXX, monthly payment was {$12.00} not XXXX as reported.payment history table does not show XXXX day lates or the 180 day charge-off date computed from the date of XXXX delinquency. 
the XXXX balance is @ XXXX dollars more than is legally permissible by the fully-implemented 2009 CREDIT CARD ACT In addition, the careless, INCOMPLETE reporting by Experian serves to '' RE-AGE '' the account, in a new creative way. 
( another specific FCRA violation by Experian. ) IN EXPLANATION : in not reporting the date of first delinquency, the date closed and having an incomplete payment table, the XXXX SCORING CAN NOT BE DONE CORRECTLY ( ATTACHED XXXX REPORT showing my only neg.acct., XXXX is calculated as 2.1 years late not 4.8 years late from the dofd. ) the XXXX report is from Credit Check Total, an Experian product.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Payday loan, title loan, or personal loan (Installment loan) with Conn's, Inc. (TX).
Issue: Problem when making payments

Complaint: On XX/XX/XXXX, my husband paid the remaining account balance of {$2500.00}. The transaction withdrew from my account on XX/XX/XXXX. On XX/XX/XXXX, we called and asked to get a XXXX-balance verification. Conns stated that they did n't show the payment being made. We were then transferred to the customer service line. The individual we spoke with stated they would start an investigation and requested a copy of our bank statement be emailed to them. We emailed it to them immediately that same day on the XX/XX/XXXX. We spoke with customer service again on the XX/XX/XXXX. They originally stated they could not find the bank statements, but were able to locate them. On the evening of XX/XX/XXXX, I went into the XXXX store location at XXXX XXXX XXXX XXXX XXXX XXXX, TX. I brought a copy of my bank statement in hand. I asked to verify my account balance. It still showed {$2500.00}. I asked the representative to please speak with the manager. She leaves only to come back and dial the customer service line. I advised her that I had already spoken with them and did n't feel any progress was being made to please get the manager. She hands me the phone to speak with customer service. They again stated they would look into it. I suggested that I could have my bank send them something directly or I could pay to have the bank notarize a statement. I expressed my urgency ; needed this verification by XX/XX/XXXX. She stated she could n't help me. I can understand needing to verify that I made payment. I do not feel it 's appropriate for them to allow the customer to feel the consequences of their mistakes. They knowingly admit to the fact that I paid the balance. What they are " investigating '' is what happened to the money after they received it. All while leaving my account open and telling me multiple times I still must make payments until rectified. The manger never came to speak to me. The manager did not even acknowledge I was there. I waited 30 minutes. I this point I 'm fairly certain that a simple accounting error would have been corrected in 48 hours or less. I 'm worried now that either the associate stole my payment or appropriated it to someone else 's account. Either way they have no sense of urgency about correcting it. I again called the customer service line on XX/XX/XXXX, I asked for an email or letter stating the situation and that it is being investigated. The customer service manager stated that they would not comply due to liability issues. Yet they have no qualms with holding me legally responsible to make payments on a now fictitious account. This situation has been verified to be an internal problem. It should have been handled internally. This is not only poor business ethics at some point it becomes theft.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Money transfers (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA).
Issue: Other transaction issues

Complaint: On Thursday XXXX/XXXX/16 I attempted to sent {$200.00} to my Fiancee in XXXX on line by MoneyGram. I received an email saying that I should call MoneyGram to complete my transfer. I call an spoke with a lady who asked me many personal questions about myself including questions about my fiancee. I was told the reason why I had to call was because it was my first time sending money on line. I told her that was wrong it is my second time because I went through the same thing the first time. After answering all of the questions asked I received an email at XXXX XXXX saying : Your transfer has been sent. Give your receiver the reference # : XXXX and she will need the reference # and their Photo ID to pick up money. At XXXX XXXX I received and email from MoneyGram saying : Your transaction has been canceled and will no longer be processed and if I have questions to call them. I called them and the response was Money was not comfortable sending the money to your fiancee. What does that mean?. For the record I send the money from my bank account using my debit card. Why do I have to wait for XXXX to 10 days when the money was immediately debited from my bank account? What happens to my personal information that the employee of MoneyGram who was in another country asked me? What is the real reason for the cancellation?

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Debt collection (I do not know) with Fidelity National Information Services, Inc. (FNIS) (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Certegy is reporting on my credit report that I have an outstanding balance in their office for {$1400.00}, from XXXX. I have now called their office several times to inquire about the debt they are reporting. They tell me that I do not have a debt in their office. Nevertheless, they are not taking the account off of my credit report, even though I have disputed it multiple times.

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 11-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Innovis (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XXXX XXXX, XXXX I submitted correspondence by certified mail to XXXX XXXX because of suspected fraudulent activity by the bank. I have delivery confirmation from USPS that XXXX XXXX received the letter. They have refused to address my concerns by remaining silent and have continued to seek payment. I have revoked my signature on the application as a result of un-rebuttal about the matter concerning the fraud. Attached you will find an unsigned copy of the letter I submitted to XXXX XXXX on XXXX XXXX, XXXX. Additionally I have submitted a sworn under oath, affidavit on XXXX XXXX, XXXX, with delivery confirmation and PROOF outlining the fraud and revocation of my signature from the original application as the law permits under fraudulent acts. XXXX XXXX has continued to remain silent about addressing the bank fraud. As a result this account is null and void. Further credit reporting is in violation of the Fair Credit Reporting Act and all parties responsible being Ally Financial and XXXX, XXXX, XXXX, and Innovis will risk a lawsuit with the state and federal courts for damages of this illegal activity.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Debt collection (Federal student loan) with GREAT LAKES (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I was on a 30 minute phone call with my wife during my lunch hour and during that phone call I received 7 calls from Great Lakes ( calling from XXXX ). While typing this just received call number 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 01/13/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (NY).
Issue: Money was not available when promised

Complaint: Case # XXXX On XX/XX/XXXX at XXXX XXXX XXXX an amount of {$25000.00} was wired to Coinbase , Inc . 
XXXX XXXX XXXX, # XXXX, XXXX XXXX, CA XXXX Country United States As requested by coinbase the following has been verified and to their standard : ( 1 ) Identification ( ID ) has been verified ( 2 ) Incoming wire is in the matching legal name for the wire transfer ( 3 ) Unique reference code is included with the wire transfer for fund identification It is now XX/XX/XXXX and there is no balance on the coinbase account or a return of funds. 

I have received ONLY one line of communication since XX/XX/XXXX from support which is 10 Business days after the wire took place on XX/XX/XXXX from XXXXXXXXXXXX " Thanks for reaching out. Having investigated the issue, I am working with a specialist to address it properly. We will follow-up with you as soon as we have an update. 

Thank you for your patience '' I have tried communicating with coinbase through their support team via ( 1 ) XXXX, ( 2 ) XXXX, and ( 3 ) XXXX.

( 4 ) Have tried calling the help center XXXX ( 5 ) Requested and submitted a form escalation ( 6 ) Sent multiple emails with minimal communication I do n't think its right for coinbase to tie up funds like this. There are numerous other cases like this where people have their funds tied up for weeks with no direct communication. People deserve to know whats happened with their hard earned money. 

I understand coinbase has an overload of customers but if you ca n't handle sensitive matters like this in a timely manner, then please do n't take on new customers and set up infrastructure to handle the large influx. 

All I 'm asking is to be considerate of everyone that choose to do business with coinbase. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with PAYPAL HOLDINGS INC. (AZ).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: I have had problems with some merchants in which I had to file a claim with Paypal. Paypal refuses to comply with their own policy and federal law regarding my rights to dispute a charge. Cases are being ignored and never closed and I am receiving harassing emails from the company threating to close my account and take away my legal rights to file a dispute against a merchant. I am now required to fraudulently pay for all purchases regardless of never recieving the service or merchandise I paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2015 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NY).
Issue: Money was not available when promised

Complaint: I sent money to a scam and need my money back

Company response to consumer: Closed with explanation