milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-06-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (PA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: In XX/XX/XXXX, I paid for flights to XXXX XXXX, XXXX XXXX ( for XXXX in XX/XX/XXXX ) using XXXX XXXX Thank You rewards points and {$20.00} on my credit card. I purchased the tickets on XXXX 's XXXX website. At the time I used the points, each points was worth XXXX cents each if used for flights on XXXX XXXX, which means I was able to use them to purchase flights worth a total of {$990.00}. It took me a long time to earn {$990.00} in Thank You points, and I was relying on being able to use them at a value of XXXX cents each when I signed up for two Citi credit cards and paid the steep annual fees ( {$350.00} for one ) and used them instead of other credit cards for many purchases. 
After I traded in my points for flights, on XX/XX/XXXX, Citi reduced the value of its Thank You points, such that XXXX point is now only worth XXXX cents each if used to buy flights with XXXX XXXX. 
As everyone knows, XXXX XXXX devastated XXXX XXXX in late XXXX. XXXX XXXX had to cancel many flights, including ours. In XX/XX/XXXX I called XXXX to request a refund, and that refund was issued on XX/XX/XXXX. As the attached email from XXXX shows, the refund amount was {$330.00} for each of the XXXX tickets, for a total of {$1000.00}. XXXX says the refund went to a " XXXX ending XXXX, '' which must be the card that Citi used to pay for the tickets. ( I paid with points, and I never had a credit card with these last four digits. ) On XX/XX/XXXX, I called Citi to ask how I would be refunded the {$1000.00}. I said I would prefer a check. The agent told me the refund would be in the original form of payment - Thank You points and a {$20.00} credit card refund. I explained that I did not think that was fair since Citi reduced the value of Thank You points by 22 % after I used mine. The agent apologized and encouraged me to file a complaint online or with the CFPB, since there was nothing the agent or their supervisor could do to make up the difference for me. 
On XX/XX/XXXX, Citi credited the XXXX Thank You points back to my account.

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 11/21/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: Upon reviewing my Equifax credit report ( XXXX ), I discovered an obsolete account ( creditor name, XXXX XXXX, date XXXX, account number XXXX ). Please delete this account immediately as it is too old to be in my credit file. If for some reason the account is verified, please send me the name of the person who provided the information and the method in which it was investigated. 
In accordance with the Fair Credit Reporting Act, Section 605 [ 15 U.S.C. 1681c ] " Running of Reporting Period '', as of XXXX, reporting periods only run 7 or 10 years depending on the type of information. In my case, the information in question expired.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (OR).
Issue: APR or interest rate

Complaint: I have a credit card through CapitalOne and recently found out that I am now hopelessly trying to pay off what I feel were hidden compounded interest charges. Unknown to me, they have been compounding interest on a few cash advance transactions made on my card. My monthly minimum payments were not being calculated at an appropriate rate, or applied appropriately to insure that the higher interest cash advances were repaid instead of a continually growing interest balance. I have now read through my statements, and it is true that the information I need to understand what is happening is provided on the statement, but it was not clear to me before and what they are doing just does n't seem right. They are only applying my payments to lower interest purchases, so now what was a small amount of cash advances has exploded into a ridiculous amount of money. Now the only way to get my cash advances paid off is to stop using my card, pay off the lower interest purchases, and then start paying off the cash advances which have accumulated interest at a significantly higher rate. It just seems to me completely backwards from how things should be, I feel like I 'm a victim of not reading the fine print carefully enough, I do n't feel like they have my back which at the very least is disappointing.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (KY).
Issue: APR or interest rate

Complaint: Capital One Credit Card company exaggerated and inflated interest rate. I opened this account since 2008 and closed a couple years ago and still at XXXX. The account has never decreased in interest rates and faithful pay the account. I have compared balances in order credit card companies like XXXX and Orchard Bank and they have been paid in 5 years with a similar high balance of {$1000.00}. I suspect this company is violating to inflate charges and fees so people can never get out of debt from Capital One Credit Card.Other companies like many banks will post your payment by midnight on the due date no by the hours set up by this credit card company that is a limit of XXXXeastern time or central time. I felt like I never going to be out of the debt from XXXX that has not go done for the last 7 years someone needs to audit this company inflated interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Mortgage (Conventional fixed mortgage) with Nationwide Biweekly Administration, Inc. (IN).
Issue: Loan servicing, payments, escrow account

Complaint: Nationwide Biweekly stopped servicing the " Interest Minimizer '' program. I asked for a refund since they are not providing the service anymore and I only used the service for 1 year of the 25 years that the program should last. They have said several times that they will provide the service again but they do not do it. I have been asking for a refund for about a year and they do not pay any attention to my claim. They just answer that they will provide the service in the future but they do n't.

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. (MA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I was made aware of the Equifax data breach on XX/XX/2017. I checked on their potential impacted victims sight and was identified as having my information potentially impacted by this breach. I have checked two of my three credit reports, and there is no current suspicious activity. I have placed a 90 day fraud alert on my credit accounts to be made aware of any activity. I have also read up on the year of credit monitoring that Equifax is offering the impacted victims, but would potentially compromise their ability to join in any class action lawsuits. Since I believe this is not done in any good faith I am not currently planning on participating in this

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2015 about Debt collection (Credit card) with Messerli & Kramer P.A. (MN).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: I had made a deal with a credit card company to have fund taken out of my checking acct of XXXX a month until it was paid so they took out XXXX payment then sold to a collection agencythen took XXXX more payments of the same amount this was a XXXXXXXXlimit card at the time I made the deal I had like XXXX before theyhad late fees over the limit fee how can I be over my limit when I have maid payments now I have all paper work they took payment after they sold the note. 
Now they Are going to garnish my pay forXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Debt collection (Medical) with North American Credit Services (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: paid the account in XX/XX/2017, It was removed, then in XX/XX/2017 it was put back on credit as a open collection

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: servicer, Wells Fargo, is not complying with CFPB guidelines to provide a decision on a short sale application within 30 days. it was submitted to them in late XXXX 2015

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Trouble during payment process

Complaint: Bank of America will not remove my PMI and Escrow account. I have 22 % equity on my home and they are asking for me to pay {$500.00} for an appraisal to remove the PMI. THEY are ripping me off every month by not removing this unfair fee.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (KY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Insanely high monthly payments, with " no options available '' according to Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2017 about Payday loan, title loan, or personal loan (Installment loan) with Renew Financial, LLC (CA).
Issue: Charged fees or interest you didn't expect

Complaint: At high level Renew Financial and XXXX fradulently signed finance documents without my consent. They used an electronic service ( such as DocuSign ) that allowed them to sign on my behalf by creating a false email account and using my personal information to obtain access. 

XX/XX/XXXXXXXX : Working with a company under the name of XXXX had solar panels installed. I was initially quoted {$19000.00} total. XXXX worked with finance company Renew Financial to secure a loan. I was never provided any follow up details in regards to the financing nor did i sign any documents. From XXXX throughXX/XX/XXXX I called numerous times trying to get these details from XXXX. 

XX/XX/XXXX - I received billing details from Renew Financial.The total finance amount had increased to {$22000.00}. I called and advised Renew Financial that i had never signed off on such terms. They advised they had documents I had allegedly signed. They provided the documents it was revealed that these documents had been signed by an electronic service ( such as DocuSign ) to forge my signature on terms I never would have approved. 

Since XX/XX/XXXX - I have called Renew Financial in regards to this issue. They advised they had escalated the issue to XXXX XXXX who is head of complaints. XXXX called me once in earlyXX/XX/XXXX to confirm the complaint details I had provided. Unfortunately he has not followed up. Since then i 've called about 3 times asking for updates however they associates just advise that they will email XXXX to follow up with me.

Company response to consumer: Untimely response
Consumer complaint received 03/29/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On my transunion credit report XXXX collections were deleted. I notice the deletion on XX/XX/XXXX and today XX/XX/XXXX I noticed they are back on with the same collection agencies.I never received any notice in writing from them to put them back on my report for whatever the reason may be. I called transunion to ask why are these collections reappearing he, XXXX stated something about a composition glitch. I could of misheard him to his strong accent. Than he hung up on me. So I come to you due to major aggravation and no understanding. I want them deleted like they should have been. When did it become ok to take items off and just put them back on and deal with rude csa agents at the bureau? Help Me, 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 explanation
Consumer complaint received 09/30/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TN).
Issue: Loan servicing, payments, escrow account

Complaint: I AM WRITING TO COMPLAIN ABOUT A BANK OF AMERICA MORTGAGE POLICY THAT APPEARS TO BE DESIGNED INTENTIONALLY TO DRIVE UP FEES AND COSTS. 

Summary of the facts : My mortgage ( which is about $ XXXX ) was set up for automatic withdrawal/payment from a Bank of America checking account to my Bank of America mortgage. This arrangement had been working fine for years. In early XXXX 2016 I forgot to fund the account from which the automatic withdrawals were being made. Consequently, on XXXX XXXX, the date scheduled for automatic payment, there were insufficient funds in my checking account. I did not immediately notice my oversight, so the next day there were also insufficient funds. This generated a second overdraft. A few days later I funded my accounts, but Bank of America terminated my ability to make electronic payments to my mortgage. I have been fighting with Bank of America ever since to get my mortgage back on track and electronically accessible for payment. Bank of America refuses. They insist that I may payments with a certified check or a money order and they have informed me that I will have to make payments via one of these XXXX mechanisms for one year before my electronic payment privileges are restored. One of the telephone representatives I spoke with recently about this problem explained to me that I " needed to demonstrate that I was able to make my payments '' before I would be allowed pay electronically. I am able to make my payments. I currently have about {$8600.00} in my Bank of America checking accounts. But, Bank of America will not accept any method of payment other than by cashier or certified check. 

I can pay all my other bills electronically from my Bank of America account. I can transfer money to any other bank account in the world from my Bank of America account. But, I can not pay my Bank of America Mortgage from my Bank of America checking account. The only explanation for this practice is to drive up fees and costs. 

I will be glad to produce any additional documents that you might want should you agree to look into this matter. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I noticed a hard inquiry or pull on my XXXX credit report on XX/XX/2017 from CitiBank : Institution Information CITIBANK NA., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX I never applied for any type of credit card on that day with CitiBank nor did I authorize them to check my credit score. This is either due to someone using my details without my permission or CitiBank conducts unsolicited credit checks.

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 01-11-2016 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: An item from XXXX XXXX XXXX XXXX is being reported on my Experian report, I 've had it removed from XXXX and XXXX, I 've filed several disputes with Experian and they still wo n't remove the item, which is n't mine, it 's causing stress and XXXX XXXX XXXX. It 's messing up my score and it is n't fair to continue to report something that is n't mine and has been removed from XXXX out of XXXX major credit bureaus.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity Direct Mortgage, LLC (MD).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XXXX XXXX, Fidelity Direct inquired about my credit with out authorization. <P/>I need this inquiry removed from all three credit agency reporting systems. <P/>Again, this inquiry was not authorized. I also, want a letter of deletion sent to me for my future records. <P/>Fidelity Direct Mortgage via XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX Inquiry Type : Individual Permissible Purpose : Credit Transaction Requested on : XX/XX/2017

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Money transfer, virtual currency, or money service (International money transfer) with Coinbase, Inc. ().
Issue: Other transaction problem

Complaint: Hello, My issue is the following and concerns an international wire made to Coinbase XXXX - Sending XXXXeuros to CoinbaseXX/XX/XXXX - Wire is refused because account name and bank account name do not match, email stating fund are to be refund within 2 business days XXXX - No sign of any refund, company when rogue and do not answer Actions taken : - Mail to XXXXXXXXXXXX and XXXXXXXXXXXX - Submit a ticket with their official website support - XXXX thread - Private Message to all officials Coinbase employees on XXXX - International Phone Call mutliple time with no success

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Student loan (Private student loan) with ACS Education Services (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: Hello, My name is XXXX XXXX and I have filed the complaint with you around XX/XX/XXXX, 2016 about Affiliate Computer Services ( ACS ) for which XXXX XXXX XXXX is an administrator. CFPB complaint Case # : XXXX. In response to my case, you sent me a letter ( XX/XX/XXXX, 2016 ) saying that XXXX XXXX evaluated my loan history and they would reduce my interest rate. It said that XXXX XXXX had permanently reduced my interest rate margin to 2 %. and it further said that reducing interest margin would effect of reducing my monthly payment about {$50.00}.
<P/>
Not only XXXX XXXX DID NOTHING ABOUT REDUCING MY PAYMENT BUT IT INCREASED IT TO $ XXXX Monthy. IT IS ABOUT {$10.00} more I used to pay. I called them three times to discuss my case. NOBODY COULD DO NOTHING AND REPRESENTATIVES FROM AFFILIATED COMPUTER SERVICES ( ACS ) KEPT SAYING THEIR COMPUTERS WERE DOWN AND ASKED ME TO CALL LATER!!!!. I DON '' T HAVE A TIME TO CALL LATER BECAUSE I NEED TO WORK TO PAY MY BILLS. I AM FURIOUS, AND I WANT TO TAKE A LAWER TO RESOLVE THIS PROBLEM. I HAVE NEVER DEALT WITH SUCH DISRESPECTFUL AND IGNORANT COMPANY AS AFFILIATED COMPUTER SERVICES ( ACS ). THEIR BEHAVIOR IS UNACCEPLATBLE. I HAVE BEEN PAYING MY LOANS AROUND 8 YEARS AND THE BALANCE REMAINS THE SAME. CAN YOU HELP ME TO FIND SOMEONE A LAWER TO RESOLVE THAT PROBLEM?. MY CASE WAS FILED On XX/XX/XXXX, 2016. My name is XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX. CFPB COMPLAINT CASE # : XXXX. My email is XXXX. Phone is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2015 about Credit card () with PNC Bank N.A. (NJ).
Issue: Late fee

Complaint: They are posting payments late to generate late fee 's on my credit card account.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (NY).
Issue: Application, originator, mortgage broker

Complaint: Dear Sir or Madam : This is the third time that we turn to you for assitance. The initial problem was an unrecorded mortgage. Through your help, XXXX XXXX XXXX recorded the mortgage in question ( see assignment of mortgage attached. ) Now the ultimate goal is for us to obtain a letter of satisfaction for the recorded mortgage. XXXX XXXX XXXX ( XXXX ) took over XXXX, which assigned the mortgage to Washington Mutual. XXXX finally recorded this assignment with the XXXX County Clerk 's Office ( XXXX letter enclosed ). Because JP Morgan Chase took over Washignton Mutual, XXXX stated that Chase will have to provide us with the Lien Release or Letter of Satisfaction. Please note that we refinanced we another bank and paid off the Washignton Mutual mortgage more than 10 years ago. The XXXX requested that Chase send directly to us the Lien Release in its original form. While we will be responsible for the recording fee, the XXXX indicated that they can immediately execute the release if we bring it in person. 
My wife and I want to acknowledge your tremendous help and getting this issue resolved. 
Yours truly, XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt is in legal dispute at Superior Court of XXXX XXXX. Also, it was subsequently assigned to another Collection Agency And both are showing on my credit report. I have made repeated requests to have this removed since it 's been assigned to another agency but nothing has been done as of XXXX XXXX, 2015.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation