milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-08-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CO).
Issue: Transaction issue

Complaint: I have a credit card with Capital One. it has a small balance and the {$26.00} minimum payment was due XXXX. On XXXX/XXXX/17, I made a payment for {$26.00} online, but it was erroneously from a bank account I had closed, that was still listed on Capital One 's site. I did n't realize this. I then made what I thought was an extra payment for {$26.00} on XXXX, from my Cap one bank account online. When on the credit card 's site, I can choose the bank account to pay the payment from. I have a Cap One checking and savings account, and it said the available balance was {$37.00} on XXXX account, and {$46.00} on the other. So either account should be able to handle a {$26.00} payment. 

As it turns out, this payment was rejected too, saying insufficient funds. After realizing this I called and Cap one said that they were holding the last {$15.00} deposit for verification from my bank, XXXX Bank. Which I understand -- but that should n't be listed in the available balance then and it is with Capital One when I am trying to pay the credit card online. This is grossly misleading at best, and just plain fraudulent in my opinion. Available balance is supposed to be the funds that are available, not that ones that will be available. So, with that payment being returned, I was n't aware and after thinking I was paying extra for the month, the payment for this month was n't made on time at all and I incurred a late fee and possible late on my credit report. Capital One has removed the late fee but say they ca n't say how the account will report. When I look at the payment history for the credit card, it shows payments of {$26.00} made on XXXX and XXXX. NOWHERE on that transaction history does it state those payments were returned or reversed. So this is false, as well as the available balance on the checking and savings. I believe it they are providing misleading and false information that is a detriment to my credit history and financial status. There is no transparency with my finances that are with Capital One and this has been a negative experience that could potentially be repeated since they do n't report their own accounts accurately or in detail. I don ' feel this is fair practice and am considering consulting a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I like to inform the CFPB on the three major credit bureaus in this case my Texas Repossession Right has been violated. Under Texas Repossession Law the past owner of the car must be notified and given an opportunity to reclaim the car. The past owner of the car must also, be given the opportunity to attend the sale of the car. The past owner should be able to retain all belongings left in the car as well. If there was a deficiency balance the past owner should get a letter in the mail for that as well. In my case, the car was sold and I was not notified of the date, location, or time of the sale. In this case, based on my Texas Repossession Rights, I have been violated. At this time I like to make this known and looked into. Also, I do n't owe any money to the lender after the return of the car. This vehicle was a lemon car and should have never been sold to anyone.

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 03-06-2017 about Mortgage (Conventional fixed mortgage) with Fay Servicing, LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I had to, unfortunately, settle a deed in lieu of foreclosure with XXXX in XX/XX/XXXX for my home at XXXX, XXXX, Alabama. XXXX accepted the offer of {$12000.00} made by XXXX. At no time while I owned the property was Fay Financial involved in the negotiations. On XX/XX/XXXX the XXXX recorded the deed transfer from myself to XXXX. 

However, in XX/XX/XXXX for the very first time, Fay Financial is appearing on my credit report claiming that I owe them {$180.00}, XXXX. That is clearly a false claim. I have reached out to them many times trying to get them to correct it. The first two times I was able to speak to a representative. The first agent told me she did not understand why Fay Financial would be listed as the owner of the loan. She then started the research process. I was told it would be concluded by XX/XX/XXXX. 

I also inquired with XXXX and received the same response. XXXX has since contacted me with their findings. XXXX 's stance is the property successfully transferred from me to XXXX through the deed in lieu process with no remaining debts. 

At this point, Fay Financial is preventing me from moving forward with the purchase of a new home. Fay Financial and Fay Financial Services is making false claims ; I need Fay Financial to stop procrastinating and correct their error.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Vehicle loan or lease (Loan) with Heritage Financial Group, Inc. (IL).
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: I was financing a car with  Heritage Acceptance Corp  in    XXXX   XXXX  .The  company was taking money directly out of my checking accounts every two weeks. I paid on time and never missed a payment. The beginning of   XXXX   XXXX      one of their Acc ounts reps had called and said to me you do n't have that much longer to pay off your loan would you like to pay it off in full? I made arrangements of  two  payments to be taken out in  XXXX  that would calculate to {$850.00}. Now I did n't know me paying off the account in full would leave a derogatory remark on my credit report. I started looking at my credit report in   XXXX   XXXX   XXXX     and I had called and talked to the acco unt manager a nd explained to her that I have a remark of " Derogatory Less than settled amount '' she stated its nothing that she could do. So I decided to take action and have them to dispute this remark and they did n't within th e 30 period. Now they are in violation of the FCRA 623 ( a ) 3 and FDCPA Section ( 225 ILCS425/9.3 )   Attached is all the necessary paperwork you need to review this case. I had been calling them about this problem since   XXXX   XXXX   and nothing has been done until now. At this point they had time to work something out now I can no longer sit around and deal with this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CMRE Financial Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received services from a healthcare provider XXXX years ago. Recently I got a call from a Collection Agency who said the debt has not been paid. The healthcare provider and I were in agreement that they 'd take care of billing but somehow my name was thrown into the mix. The healthcare agency does not respond to my inquiries about the debt or to the collection agency 's inquiries about the debt. This has a possibility of ruining my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: As mentioned in attached FTC Report, Number XXXX, I learnt that XXXX chose to reopen an account that was closed since XXXX. XXXX, XXXX and close it as fraud today. I do not know the reason since I never reported any fraud on the account, as the account was paid fully, in good standing, and I initiated the closure in XXXX. XXXX because I did not want to have a XXXX credit card anymore. Further I never reported any fraud or dispute on the account ending in XXXX ever. So, there is no reason for XXXX to reopen the account without my knowledge to close it as fraud. 
Also, XXXX had reported the account as Paid / Closed, Closed by Consumer as it should be, since the closure on XXXX. XXXX, XXXX. 
If XXXX modifies the reporting on the closed account ending in XXXX, please block the modified reporting as it fraud by XXXX. 
I appreciate your assistance with this request. If you have any questions, please reach out to me at the above address.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Debt collection (Medical) with Kansas Counselors of Kansas City, Inc. (KS).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Per the XXXX, XXXX have no out of pocket if the past XXXX showed problems such as but not limited to XXXX. In XXXX at the same place they detected and removed XXXX. XXXX XXXX did not diagnostic as that was completed by XXXX XXXX in XXXX. This should have been coded as prevention as I have a family history of death by XXXX, the most recent was my dad on XXXX/XXXX/XXXX. XXXX these XXXX pages show the language of the XXXX in regards to XXXX. On XXXX/XXXX/XXXX I disputed the debt to XXXX, XXXX XXXX ( XXXX ), XXXX, XXXX XXXX XXXX and XXXX, on XXXX/XXXX/XXXX I disputed the debt to Kansas Counselors of KC. The coding was XXXX and XXXX which is prevention. The letter of dispute I sent to XXXX, acct # XXXX was a letter of dispute containing the aforementioned letters to government agencies and the doctors. XXXX, merely ignored and returned to me. Then they placed it on my credit report failing to list it as disputed. They continue to call and leave messages on my cell phone, a collector named XXXX was leaving voice mails. This unjust debt needs removed from my credit as they have violated the law. It dropped my credit score XXXX points. XXXX had been constantly calling and placed improperly a debt on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/17/2016 about Consumer Loan (Vehicle lease) with AMERICAN HONDA FINANCE CORP (GA).
Issue: Managing the loan or lease

Complaint: I leased a new Acura XX/XX/2015 and turned in my previous Acura based on their assurance that my last two payments would be forgiven as I had moved to a new lease. Months later I was harassed repeatedly by Acura Finance representatives who informed me that I had failed to make these payments, despite the fact that had I never missed a payment while in possession of the car. Despite speaking to XXXX separate people and explaining the situation, they made no effort to resolve the issue and kept calling me to demand their money. 

After weeks of this harassment I noticed that negative information had been posted with the credit bureaus repeating the lie that I had failed to make payments for over 60 days. This negatively affected my Credit, something I find really offensive as a long time customer of Acura having leased XXXX previous vehicles, all from the same dealer due to my excellent credit, something they sought to undermine. 

Acura Finance never made the effort to reach out to the dealer to resolve this issue and simply informed me that it was my responsibility to call them and ensure that whatever money was owed to the finance arm was paid by them. This asinine strategy makes customers responsible for financial transactions between Acura 's financing arm and it 's dealer network, something I never heard of as a requirement for the lessee. 

After I reached out to the Dealer myself they informed me that they had failed to forward payment and would do so now. I do n't see why this was not done by Acura Financial months before and required my intervention to finally occur. What I find truly repugnant is that Acura appears to focus only on completing sales and receiving payment for itself throughout their sales process while simultaneously transferring responsibility for financial transactions onto the customer, punishing them through the Credit Reporting process with impunity for their mistakes. 

After contesting this issue I 've now received a bill for over {$600.00} for excess wear and tear, due within 30 days, something I was told would be covered with my upgrade to a new Acura at the time of the lease and a charge I 've never had to pay previously in any of my other leases. 

As a customer of Acura for two decades I 'm truly offended by their customer un-friendly approach to financial aspects of their business.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/30/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with BANK OF AMERICA, NATIONAL ASSOCIATION (LA).
Issue: Trouble during payment process

Complaint: I have tried to make additional principal payments to my Bank of America home equity line of credit. The interest and a small amount of principal are deducted electronically each month from my BofA checking account. From time to time I also send in payments of additional principal. I note on the payment slip that it is an additional principal payment.     Each time, the bank applies the additional payment as the next monthly payment and does n't take the electronic payment from my checking account. I 've tried multiple times to get them not to do this. To no avail.     Each time I call the " customer service '' number on the HELOC statement, I get the credit card department and it can take  up to 30 minutes ( record is 38 minutes ) on h old before I speak to someone in the right department. In other words, there is no " customer service '' at BofA.

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 07/21/2015 about Consumer Loan (Vehicle loan) with EXETER FINANCE CORP. (TX).
Issue: Problems when you are unable to pay

Complaint: I current have a loan with Exeter Finance Corp. I have a 10 day grace period after due date however they continually call my cell phone and harass me. I 've explained I have been ill and to please not call me continuously back to back however they continue to do so. I have received XXXX calls from them today alone.. When I have specifically asked to not call me again they will call back and hang up on me. How unprofessional is that! My ten day grace is not up yet they call and harass you. You call and ask for help because you just have XXXX but they say ... Sorry your account is not late until ten days after due date so you have to wait till then yet they call you everyday to harass you even after you ask them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Dear Sir or Madam : I am writing to file a complaint against the following third party companies trying to collect on a debt for almost 2 to 3 years now that does not belong to me. I have written them along with all 3 credit bureaus to validate the debt with a copy of my Photo ID or signature, however it has never been provided. They are only sending me a copy of a bill with an old address and they are still reporting this debt. 
XXXX XXXX XXXX # XXXX {$410.00} Acct closed XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX # XXXX {$500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , IA XXXX {$210.00} XX/XX/XXXX 2 ACCTS : PORTFOLIO RECOVERY # XXXX {$1200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX AND {$510.00} XX/XX/XXXX XXXX , VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: On XXXX-XXXX-2017 I was reviewing my credit card billing statement from Chase, Slate credit on  XX/XX/XXXX billing statement my interest rate was at 23.99 and my XX/XX/XXXXstatement is at 24.24, I  called spoke with XXXX, he said there was nothing he can do to lower the rate as for the supervisor XXXX she said the same, I have been with them for over 8 years and they refused to help, I was told to check with the credit bureau, did not make sense, they have nothing to do with the rates, I was informed their rates run from 0 % -24.76, I just refinance my home, I have excellent credit, according to there review a good credit score should be offered at least 15.99 %.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Credit card () with DISCOVER BANK (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I received a letter from Discover today advising me someone attempt to apply for a credit card in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (DC).
Issue: Billing disputes

Complaint: Hello My name is XXXX XXXX ; I am writing this letter as a complaint on CapitolOne Bank. I have been with this bank for about a year, not as a personal account holder but as credit card holder. I have XXXX cards from them the first I received about a year ago at {$500.00} limit ; I have no problem with that one because I always pay as schelude. The problem is with the second card I received a few months ago at a higher limit. I make it a habit to pay my bills on time and always add a few dollars more than the limit to keep my credit score at a decent rate. This Bank has deliberatly been sending bad reports on me as if am not paying them. The card in question ends in XXXX. Going back about four months ago, I miss the due date by a day and called the customer service, they agreed to drop the {$30.00} late charge but said I still have to pay XXXX dollars instead of XXXX so the system would correct itself. I paid it and taught all was well. XXXX months pass and I assume Iwas paying on time because of what was showing on my computer screen ; I normally pay on the day my payment is due because I dont have a steady job and ca n't predict what my funds will be around my due date. I never considered the time of day I pay an issue, so when I see my payment being posted for the next day I considered that a bank issue. Customer Service never explained that my payments were being counted as late and nothing on my screen was telling me either, all I was seeing was the minimum amount and due date. I missed the due date this month by a few hours and called customer service to make the payment, the person told me {$60.00} I asked if the late fee could be excused and he said yes just pay to XXXX owed which I did. The next day I check my account and there was {$90.00} charge added to my next payment I called customer service again and was told I owe this money because of pass late charges, i asked why was it not being showed on my screen up until now, they have no explination except that am behind on my payments and the its being documented on my credit report. I have decided to stop paying them anything on this card until someone outside of them looks at this situation. Am asking to please investigate this matter quickly so I can assume my payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/26/2016 about Bank account or service (Checking account) with Convergent Resources, Inc. (OH).
Issue: Account opening, closing, or management

Complaint: XXXX XXXX claims that my account has a pass due amount of {$560.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Consumer Loan (Installment loan) with Ad Astra Recovery Services Inc (TX).
Issue: Managing the loan or lease

Complaint: I submitted a debt validation to this company under the Texas Finance code Section XXXX which requires a debt collection agency to provide specific information within 30 days. This company, although responded within the 30 days, did not provide the requested information. They only sent lease form and a claim form. It did n't include original date of non-payment with creditor, date debt was transferred from original creditor, and the Texas Surety bond information. Per Texas law, this is to be removed from my credit report immediately. 

Also this company threatened to garnish my wages and report me to an attorney which is not allowed in the state of Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Debt collection (I do not know) with National Arbitration Forum (VA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: I continue to get calls from ( XXXX ) XXXX on my home phone looking for XXXX XXXX. I have advised them XXXX in the past year I do not know this person - please remove my phone #. I got another call 2 days ago and called them today to advise they have a wrong # referencing the # they request of XXXX. In a few months they will call again - a live person leaves a message about a pending Court date for XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Mortgage (Conventional home mortgage) with Seterus, Inc. (VA).
Issue: Struggling to pay mortgage

Complaint: seller is deceased and heirs put property up for sale. The property is encumbered with  XXXX  mortgages and the  XXXX  is being paid in full. The  XXXX  approved a short sale on the property and when we requested the payoff on the  XXXX  we were unable to get the figures from the lender. The lender is foreclosing on the property  XXXX  and we have an offer that can close later in the week with a full payoff including all attorneys fees. We are trying to get a postponement on the foreclosure so we can settle the new buyer and payoff the entire balance. I contacted the law firm conducting the sale and they claimed that they have notified the servicer but that they are not obligated to even acknowledge the request.

Company response to consumer: Closed with explanation