milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-04-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: APR or interest rate

Complaint: I recently requested a {$6000.00} courtesy check from Capital One to use the 0 % 12 month APR to finance a central air conditioner repair. I was aware of the XXXX % fee and was comfortable with the fee. I received the statement listing the " Balance Transfer '' on my statement ; however, only an amount of {$2100.00} was listed in the 0.00 % Special Interest section of my statement. I " overpaid '' the monthly charges by taking the New Balance, which included the fee, and subracting the {$6000.00} and then adding an extra {$500.00} to the payment to start chipping away at the {$6000.00}. I received my latest statement and was shocked when I saw interest charges totalling {$15.00} on my bill and the 0.00 % section on my statement now listed {$6000.00}. I called Capital One directly to understand what happened. I spoke with a respresentative for over 45 minutes while she tried to figure out what happened. She placed me on hold several times so she could speak to her manager to get a better understanding. With each explanation I could state, based on what she told me, I still should not have to pay interest. At first she stated my payment went to the lowest interest rate balance first, which I stated is very unfair and deceptive as payments should be made to the highest interest rate balance first. I eventually asked to speak with her manager after she wanted to speak with him for either a third or fourth time. The supervisor came on ( expected a manager ) and he stated the grace period was waived once I requested the courtesy check and I would have to make a payment of all charges, even after the statement date, to forego interest charges. I would like to point out with this explanation, I would have to access my account online and then overpay that amount to guess what my upcoming charges may be so I do n't have to pay interest on any charges. I find the fact the initial representative could not explain to me what happend on my bill to support my claim of unfair and deceptive marketing and practices by Capital One. The supervisor did tell me I was told these terms when I requested my courtesy check and I informed him I had to ask the representative to slow down and repeat herself on several occassions and then I recapped the terms to make sure I fully understood what I was getting into. I did not recall the waiving of a grace period for charges. The supervisor stated he would review the call and get back to me no sooner than this Wednesday since he would be off the next few days. I called into Capital One on a Saturday afternoon ( XX/XX/XXXX ). I am expecting a call this Wednesday to hopefully put this matter to a close. I was on the phone with Capital One for over an hour and the item is still not closed. Depending on how this issue is resolved, I may end up paying more in interest which in effect turns the 0.00 % APR into 12.90 % APR, plus the XXXX % fee.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Debt collection (Credit card) with Atlantic Credit & Finance, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I purchased furniture at XXXX XX/XX/2015 via XXXX XXXX mos. no interest if paid in full in 12 month 's. I rec 'd a letter in the mail on XXXX/XXXX/2015 from XXXX XXXX stating that the acct. was charged off and sold to XXXX XXXX XXXX. Company as a collector. I never once rec 'd any bills, phone calls, emails from XXXX 's or XXXX Bank prior to account being sold. When I rec 'd the letter, I called XXXX 's and XXXX, neither were willing to help me. 

I had absolutely flawless credit until this. I had no intentions of not paying. I was not given the opportunity to pay. I am very upset after 34 years of excellent credit to have this happen. I would like to see this issue resolved Fairly without damage to my credit.

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 02/22/2017 about Bank account or service (Checking account) with PNC Bank N.A. (MO).
Issue: Problems caused by my funds being low

Complaint: PNC Bank is engaged in the practice of re-ordering transactions to maximize overdraft fees. I have caught them doing so on a number of occasions. I am opted out of " Overdraft Protection '', but they continue to process transactions, including ATM and debit transactions in order to levy further fees.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Vehicle loan or lease (Loan) with EXETER FINANCE CORP. (PA).
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint: I am struggling to pay a car note on a vehicle that is no longer anywhere near the value I currently owe. I did not have the best credit score at the time of the purchase of the vehicle and was provided with an interest rate of 16.95 %. I tried to get other financing at that point but I was denied. The car was sold to me at {$26000.00}. To date I have paid a little over {$22000.00} I have a remaining balance of {$20000.00}. I have not been able to refinance the car due to the XXXX XXXX value being between XXXX XXXX dollars. 

I have requested to get out of this loan many times as I can no longer afford it. I have attempted to get a lower interest rate from my bank however I was denied. 

At the time of the purchase the sales person told me I would be able to trade the car in within 3 years however i am so upside down in this loan no one will take this on. If I am stuck in this loan due to predatory lending I will pay almost double for this car.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Student loan (Non-federal student loan) with AES/PHEAA (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have been paying on loan since XX/XX/XXXX and principal has not decreased by much, numbers do n't add up. Private XXXX loan acquired by AES XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (AL).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: American Express XXXX just closed my account XXXX days ago without giving me XXXX single reason. I tried to know the reason, but I failed to know why. I have been a loyal customer since XXXX till today. Never missed a payment, and I always pay on time. I have a high XXXX XXXX. Had almost XXXX in rewards miles, and paid off the balance every month. Would n't give me any specific reason. I 'm furious! Is this because they have n't made interest off of us in all XXXX years? Is that how they treat their loyal customers? I really feel disappointed.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Loan servicing, payments, escrow account

Complaint: This is the second complaint I am entering for the same issue. 
I have attempted to call and repeated left messages with no response. 
XXXX XXXX CST left message, XXXX XXXX XXXX CST left message, XXXX XXXX CST left message, XXXX XXXX CST left message, XXXX XXXX CST left message. 
I received one phone call on XXXX acknowledging my complaint, and have not heard back since. 
My complaint is that I had a mortgage with Bank of America, the house has been sold, property transferred over 7 years ago. BOA still has my mortgage reported as open with a past due balance of over XXXX. This is negatively impacting my credit and prevents me from future home purchase and financing. I have tried to contact the bank prior to the complaint, but each time, someone at BOA will acknowledge that the facts I provided are correct and it is a mistake, and they will get back to me with a resolution. No one ever has.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: EquiFax has mishandled my personal information which included my name, Social Security #, address, birthday, and more, which puts me ( and the millions of others this breach affected ) at risk. I am listed as a probable victim on the XXXX site. On that site, they are trying to get people who are affected to sign up for a trial membership of an ID protection service that WAIVES THEIR RIGHTS TO SUE.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2016 about Credit reporting () with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian is not responding to my request to investigate, verify and remove accounts from my credit report per The Fair Credit Reporting Act.

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 05-09-2017 about Checking or savings account (Other banking product or service) with RABOBANK, NATIONAL ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Cashing a check

Complaint: My fathers neighbor house burned dow n ( thei r fault ) on fathers day   XXXX  . The fire destroyed my dads sunroom and burned down the fence and power poles between the  XXXX  houses. Shortly after, my dads  XXXX   XXXX   XXXX  d and he   XXXX   XXXX   in   XXXX   XXXX    . I finally got around to getting a contractor to estimate rebuilding the fence and all the yard damage at the end of  XXXX . I am the trustee of his trust, and the executor of his will. When I finally received the fire insurance check, the bank said they could not deposit it because it was made out to my  XXXX  and Rabobank since they hold a  XXXX  dollar note on it. I took the check to b ank, they said it had to be written to " The estate of ( my dad ). So I  returned the check to  XXXX  insurance and told them the issue. They reissued and check to " The estate of my dad '', and I took this check to the bank and they still would not deposit the check. They said I was only the trustee of his trust and not the executor of a will, or estate. They said I would have to have go through the courts to establish whether I was the executor. I found the paperwork that states I am the executor and took this to the bank and they still would not deposit the check. The branch manager told me that that I needed to have the insurance company reissue the check again, to " The trust of my dad ''. I had already spoken to the insurance co. and they can not change the entity to which they write the check, it must be the name on the policy at time of loss. I just had another conversation with the manager of branch, she says she would like to contact the insurance co and see if they can change the name, I told her I aready spoke to them, but be my guest, I also told her that I was currently sending a complaint to you. The check is for a meesly  XXXX  dollars, I am baffled and so distraught over not only the  XXXX  of my dad, but the issue of this check. This has been going on since  XXXX  now. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CT).
Issue: Other transaction problem

Complaint: Coinbase Inc.    XXXX  Every time the  XXXX  market price dips the Coinbase systems shuts down buying and selling of the currency. It makes it impossible for investors remain in control of their investment and ties our hands. It happens EVERY TIME the price changes and is not available for HOURS. Investors are at the mercy of the market and can only watch the price spike or plummet and have no control of our investment.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Application, originator, mortgage broker

Complaint: On XX/XX/2010 I closed on a house for me and my children. The property should never have closed in it 's condition. The broker acted in concert with the realtor to close the loan on a house that is almost uninhabitable. The condition of the property was grossly misrepresented by all parties involved. Because of their deceptive business practices our finances have been in ruin.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I graduated from my XXXX and XXXX program in XX/XX/XXXX, I immediately went into after school deferment for 6 months ( XX/XX/XXXX ). Afterwards, I was in financial hardship for a year until XX/XX/XXXX but XXXX serving provider at the time, stated it was for 9 months. They never mentioned this to me and it doesnt add up. I contacted XXXX in XX/XX/XXXX to refinance my student loans, it wasnt mentioned about a payment or how much. I contacted XXXX ( who is servicing my loan currently ) and they processed my loan in XX/XX/XXXX. My credit report shows paying ontime up until XX/XX/XXXX but shows 90 Days late for XX/XX/XXXX and XX/XX/XXXX for XXXX for nine separate student loan accounts. They will not change this stating I was in repayment, but I have never been in repayment with nelnet and never sent them any payments ever. When it was getting close to start repaying I consolidated with XXXX. XXXX stated that they sent a request to XXXX in XX/XX/XXXX for my loans to be sent to them, they stated they finally received it in XX/XX/XXXX, my deferment ended in XX/XX/XXXX. But XXXX refuse to take actions to correct this issue.

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 10-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: THERE ARE ABOUT XXXX INQUIRIES ON MY TRANSUNION REPORT. i HAVE WROTE IN AND CALL THESE GUYS NUMEROUS TIMES DISPUTING ABOUT XXXX OF THE INQUIRIES. THEY KEEP TELLING ME THAT THEY ARE VALID. i DID NOT APPLY FOR XXXX DIFFERENT ACCOUNTS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2016 about Consumer Loan (Installment loan) with WORLD ACCEPTANCE CORPORATION (GA).
Issue: Managing the loan or lease

Complaint: This account was paid in full, but world finance has submitted information to the credit bureau that I owe {$3100.00} but, the loan was for {$610.00} and I was taken to court for XXXX. The XXXX has been paid in full and I have attached the documents to prove it. I did receive a receipt for my last payment. Now world finance is submitting fraudulent information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Account opening, closing, or management

Complaint: Good Morning, I am wanting to advise of an issue that I was just alerted of regarding Chase Bank. I have XXXX accounts at this institution and my daughter was making a purchase at a retail store where her credit card was denied. I called Chase to find out the issue of what was wrong and they advises that our account was in loss prevention and no are no longer wanting to do business with us. I asked why and they proceeded to tell me they do n't have to disclose a reason as they are able to close accounts when they want and the reason that they have is in an internal reason and they are not able to disclose to me why. I basically asked the representative at Chase so u mean it is a big secret and he said basically yes and they will send me a check of the remaining balance in the mail in 10 days or I can go to a branch and get my money. I am at a loss for words as now I have XXXX which are accounts for a XXXX XXXX and a XXXX student where we have to figure out in a blink of an eye what our next step is. We have to stop 4 direct deposits and because what we are blue collars workers that live paycheck to paycheck and are not profitable to the bank we get the axe without any for warning. My account does not have suspicious activity. All my deposits and withdrawals are all associated with a name/place whether I use my atm card or have it directly withdrawn from my account. I work and pay bills and ensure my children 's accounts are ok and transfer money to and from of needed so everything is labeled. I think freezing someone 's account without warning is not a proper way to do business especially if we are not profitable and then proceed to say they ca n't disclose the reason why. If they feel I am doing something wrong why not advise me so it can be straightened out which is why I think it boils down to the bottom line that we are not beneficial to this XXXX dollar institution. I now need to take a day from work to go to the bank to get my money and open another account with needing to stop electronic deposits and withdrawals in a rush all because we do n't fit the ideal customer they are looking for but the business account I have my name associated with as I am a signor for our XXXX XXXX is still ok to stay open with hem because of the high balance. 

Thank youXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Debt collection (I do not know) with Capio Partners, LLC (AR).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I pulled my credit and found a collection from XXXX XXXX XXXX, it states that the orignal creditor is XXXX XXXX XXXX. I do n't know who XXXX XXXX is, or the XXXX XXXX is. I have never received paperwork from XXXX XXXX XXXX, and I tired to reach out to them, find out about the debt. They just kept telling me its from the XXXX XXXX, and I need to pay it. I tired to push for more information, so I can put together a validation letter. They wo n't give it to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IN).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: Navient is calling my XXXX yo daughter while she is in school and telling her that I need to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Mortgage (Other mortgage) with CITIBANK, N.A. (NV).
Issue: Loan servicing, payments, escrow account

Complaint: Hello! 
Having an issue with mortgage lender, been treated unfairly with my loan amortization. Loan have been active for about 13 years or so in good standing. The type of loan I have is a fixed rate bi-weekly Conventional, periodically I 've made additional principal payment to reduce loan balance. Last year the loan crossed over to where more principal is paid than interest out of my bi-weekly payments. My last payment ( XX/XX/XXXX ) was not so, They took out more interest {$170.00} vs {$140.00} going to principal, last correct payment ( XX/XX/XXXX ) was {$160.00} going to principal and {$150.00} going to interest. Now after payment was electronically withdraw from my account on XX/XX/XXXX I made {$100.00} principal only payment, so after the additional payment was made that 's when the error occurred ; however, I took a look back in history and noticed that sometimes when I 've made additional Principal only payments the amortization payment schedule seems to go back into interest column, like their still collecting interest that I 'm eliminating from the extra payments. When I last called to get explanation, they claim my account was short, but how could that be when for the life of this loan ALL payments have been deducted from my checking account without fail every two weeks. I keep track of all my payments to Citi-mortgage and it appears something is wrong, sense I 've been calling they made many changes to the amortization payment schedule and I 've made copies. Usury laws are in place to protect consumers and I think citi mortgage is in violation by prolonging my efforts to pay them off. FYI was only able to pull payment history for last two years, could n't pull history past XX/XX/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 06/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (VA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Opened a few investigations in negative credit reportin g of ninety da ys late. Response from loan servicer only responds stating " information reported was accurate, borrower did not request forbearance until  XXXX   XXXX ,  2017  ' This in absolutely NO WAY provides a response to the information presented. I understand that forbearance was not requested until  XXXX  because I had no clue that I was in repayment until  XXXX . The statements were being sent to the  XXXX  University email address that I no longer had access to. Not being properly notified of a statement, especially when the repayment first begins is a valid reason for correction with all  XXXX  credit bureaus.     I could not have put my account on e-statements because I just created an account with fedloanservicing. org in  XXXX . The issue is that if I had been made aware of the repayment start in a manner accessible to me, I would never have needed forbearance. Continuing to deny and stating the information is accurate is not providing a response to the issue that caused the problem and the agency refuses to correct their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (OR).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: On the US Bank mobile app, I selected the due date of Sunday, XX/XX/XXXX, as the payment date. The funds were withdrawn from my credit union bank account Mon, XX/XX/XXXX. US Bank charged me a {$45.00} late fee for the {$45.00} payment. It is nonsensical to me that US Bank 's app would allow me to select a payment date for an online payment where they know banks will not process payment.

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