milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/15/2016 about Credit card () with SYNCHRONY FINANCIAL (IA).
Issue: Credit line increase/decrease

Complaint: In spite of good credit ( better rating than when I applied for the card ) and zero payment issues with their company or any other creditor, Synchrony Bank, Walmart Credit card arbitrarily reduced my credit balance from {$3000.00} to {$1500.00}. I 've attempted to correct this through them and they only give me the run around and refuse to return it to the limit that was originally issued. They can not specify any reason as to why it was reduced.

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 08/20/2015 about Consumer Loan (Vehicle lease) with HYUNDAI CAPITAL AMERICA (NY).
Issue: Taking out the loan or lease

Complaint: I returned a leased XX/XX/XXXX XXXX XXXX XXXX automobile on XX/XX/XXXX. About a week later I received a letter from Hyundai MotorFinance for {$1800.00} in excess wear and tear. It seemed to me that every mark on the car was considered excess wear and tear. Therewere XXXX scratches on the car, for XXXX of them they want $ XXXXXXXXapiece, and XXXX for which they were charging me {$250.00} apiece. 
After receiving this latter and ultimately a bill for {$1800.00}, I askedto see the car so that I could evaluate the so called damage. Theydenied me access, saying that the car had already been sent to thewholesaler for resale. My question was, if the car had so quickly been sent on, how could Hyundai have incurred anywhere near $ XXXXXXXXto repair it? I suspect that the whole exercise was only to extract moremoney from me. As I am retired, this amount represents a realinconvenience for me to pay, and therefore I am asking you toconvince them to modify the amount to {$500.00} or less. 
This amount represents XXXX of the scratches that I realize wereexcessive, and for which I am willing to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have been fighting with XXXX/XXXX/Experian for the last four months trying to remove a bankruptcy that has been listed on my credit file that is incorrect due to me not filing any bankruptcy since XXXX.they continue to tell me that they verified this information however it is incorrect. they will not listen to any calls or documents sent certified. I finally had to take off wok to go to the Bankruptcy court to have them to review this info and do a investigation to see that I had not filed any bankruptcy. also listed on my credit report ( XXXX ) are XXXX tax liens that have been removed from the courts and does not contain the information that is required to keep listing this information on my credit ( Due to the new law effect XX/XX/XXXX ). it has been removed from the other XXXX credit files however XXXX will not remove this information after I have sent them proof that the XXXX claims does not carrier all the information such as ss #, correct address and dob. I have had these XXXX item withdrawn with the state of Georgia due to have them paid and following the guidelines to have them removed from 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 11-02-2017 about Vehicle loan or lease (Loan) with CarFinance Capital LLC (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX bought my loan from Car Finance. Car Finance still reports my account open with a balance, after numerous disputes both with the credit bureau and with the company. Both companies report my account as open, overstating my debt about and duplicating my derogatory payment history.

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 02/15/2018 about Debt collection (Private student loan debt) with TRANSWORLD SYSTEMS INC (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: I took out a loan from XXXX XXXX XXXX in XX/XX/XXXX and graduated in XX/XX/XXXX. A few years later the debt was sold to XXXX XXXX XXXX XXXX for being in default. After they threatened to sue me and garnish my wages we came to an agreement and I have been paying {$170.00} per month for about 2 years now every month ON TIME. It is now XX/XX/XXXX and I have not received a XXXX form for the interest that I am owed. The law firm says I must contact XXXX XXXX for this but I have tried several times and left messages and no one has responded. I immediately request a XX/XX/XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2017 about Bank account or service (Checking account) with ALLY FINANCIAL INC. (CA).
Issue: Account opening, closing, or management

Complaint: My wife and I hold account number XXXX with Ally Bank. We 've been with them for a few years now, but we no longer need the account and are trying to close it. Before we close it we need to empty it. On three occasions, we requested a transfer of the balance to our Credit Union. This occurred on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On the first two occasions, the bank reported that the transaction was refused by the Credit Union ( ACH Return ). I talked to the Credit Union and they said they had no record of any transfer ( bear in mind that we have transferred funds back and forth many times before without a problem ). This last time, there is no record showing that any transfer was initiated. None. I had sent them an email about this matter the day I initiated the transfer : " Once again I am attempting to transfer my balance, {$3.00} to my account at XXXX XXXX XXXX XXXX. I have tried this twice before. Each time you list it as ACH Returned. I have talked with XXXX XXXX and they claim to know nothing about this. As stated, I am trying again. If it does not succeed this time I will be reporting you to the Feds. GROK? '' It seems to me they are playing a game with me. 
I have today initiated yet another transfer, and this time I took a " screen shot '' so that I would have a record of having initiated it.

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. (MA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I have an unauthorized inquiry on my I have an unauthorized inquiry on my credit report I did not give permission for XXXX XXXX XXXX to run my credit report and trans union refuses to do anything about it They keep sending me cookie cutter answers, Trans Union has done nothing to investigate

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 07/24/2015 about Student loan (Non-federal student loan) with Radius Global Solutions LLC (OR).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My wife attended a XXXX and still has some debt we have been paying on. Recently a third party contacted us requesting a payment plan or a settlement in full. Finding this kind of fishy we contacted her school loan company ( XXXX ) they informed us the debt had not been transferred to another company. Knowing it was a scam I assumed they would leave us alone. They have now emailed documents to prove there legitimacy which is joke as the debt and names on the paperwork is not accurate. I am hoping to stop these guys from hurting anyone else that might fall prey to their scam.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2016 about Consumer Loan (Installment loan) with DriveTime (KY).
Issue: Managing the loan or lease

Complaint: Bo ... ught a vehicle from drivetime due to bad credit cause mu XXXX mustang was rear ended and totaled and needed a car quickly for va appoiontments. loan had a 24 percent interest rate and a broken down 5 times in two months. Going under cause problems are not covered by the liited warrenty you are forced to buy for XXXX and gap ins for XXXX. I had a XXXX mustang that was rear ended and they say I owe XXXX because I did not not [ urchase gap ins.. They originally said XXXX a month was ok so I went anf got a XXXX car and ins for it. 
three weeks later I get an email saying that deal is is void and have to pay XXXX a moth for 36 moths on top of car and ins. 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 explanation
Consumer complaint received 11/30/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Trouble during payment process

Complaint: I just received a statement from Bank Of America where they paid my back taxes on my property. I have set payments up on my taxes and have never been up for tax sale. We have up to 2 years for taxes. I have always set up payments and never defaulted. What Bank of America did was set up an escrow a few months ago {$29.00} for taxes per month. With penalties I pay a little over {$2000.00} a year for all taxes that year. I never had problems with them before on this. I had a 20 year fix mortgage with countrywide home loans which bank of America bought out. I have a little over 5 years left on this mortgage. I have never missed a payment or been late on one. So what they did was added XXXX a month to my mortgage. My mortgage is XXXX per month. They now state that I have to pay XXXX per month. I was able to make my payments before. Now I wo n't be able to. That XXXX totals XXXX per year. I thank this is an attempt to foreclose on me with no just cause. There was absolutely no reason for this. I have to live just like anybody else including them.

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 10-12-2016 about Student loan (Federal student loan servicing) with The CBE Group, Inc. (WI).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I have an outstanding student loan through the Department of Education and my wages are being garnished. It was turned over to the CBE Group for collection and I do not dispute the loan or amount owed. The CBE Group advised me of a rehabilitation program to get my debt paid off and I have been trying to set this up for about 5 months now to no avail. According to the terms of this rehabilitation program per CBE, I would have to pay an additional $ XXXX/month on top of the garnishment for 5 consecutive months before the garnishment would be lifted and, at that time, the loan would be turned back over to Dept. of Education. It was explained that I needed to pay this additional fee to " prove '' to them I was serious about repaying my debt. I 've never heard of such a thing and have spoken to countless employees and a supervisor at CBE imploring them to reconsider the $ XXXX/month fee because it would create a financial hardship. I am XXXX from an accident I had XX/XX/2008 and have not worked full time since then - which is why I have not been able to settle this debt in the first place. After much back and forth, I agreed to enter the program and was told I could make 2 monthly payments to split the dues in half. I wanted to start immediately but required something in writing from them that outlined the terms of the rehabilitation program, the amount I would pay every month, and the total amount I owed. I was told no by every representative I spoke with. I finally talked to a supervisor who stated he would send me the paperwork via mail but I never got anything. I then asked him to email it to me ... still nothing. I 've emailed the supervisor at the address he provided to ask for this paperwork, and have called continuously only to be told it would be sent but as of this writing I have received nothing from them. I emailed the Ombudsman from Dept. of Education and weeks later she did call me but I was at work. I called her back and on her voicemail gave specific times when I could be reached but she never returned that call. It 's been over 5 months and I am at a loss - I want to start paying this debt back and repair my credit. Any help of advice you can provide would be much appreciated. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Debt collection (I do not know) with GC Services Limited Partnership (MD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: A ever-changing representative from 'GC Services Debt Collection ' ( XXXX ) calls my work phone number from a spoofed or sometimes local ( XXXX area code ) phone number. Without providing any details, they leave a urgent-sounding message asking me to call back to an XXXX phone number, sometimes with an extension, sometimes without. Every single version of their phone number has multiple complaints ( i.e. ) : XXXX This has been going on since XX/XX/XXXX and I have reported them multiple times to my Security office, the FTC, and the Maryland Attorney General 's office but they keep calling and disturbing my work hours. I do not dare pick up the phone unless I know the ID.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/16/2016 about Mortgage (FHA mortgage) with PRIMELENDING, A PLAINSCAPITAL COMPANY (MA).
Issue: Loan servicing, payments, escrow account

Complaint: We closed on our mortgage with Prime Lending in XXXX of 2014. We knew that our taxes would go up a little bit because we bought a brand new home. We were told it would be about {$200.00} a month, since that can easily be figured out based on value of the home and town tax rates, I did n't think about it too much. Fourteen months after purchasing our home, we called to pay our mortgage to find out we owed {$800.00} more per month. We were told not to worry it would only be like that for 2 months, that we just had to pay the deficit from our taxes being reassessed. Well, two months later it changed again all right, up {$200.00} more. We were then told that the town reassessed our taxes immediately after the sale but that Prime Lending did n't catch it until 13 payments later. For the last 14 months, we have paid a thousand dollars more towards our mortgage than we signed up to do. My husband and I have called countless times and no one can answer our questions. Generally, I know more than they do about how mortgages and taxes work. The last phone call I was told " oh, well maybe in XXXX it will be better. '' Maybe? Today, I looked and they are actually refunding us money for escrow overage but our payment remains the same. I am completely at a loss.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: XXXX XXXX XXXX, XXXX XXXX XXXX XXXX PHONE ACCOUNT NUMBER XXXX REFERENCE NUMBER XXXX DATE OF DEFAULT : XX/XX/XXXX SCHEDULED LAST PAYMENT XX/XX/XXXX PAYMENT {$50.00} NO PAYMENT ARE REFLECTED ON XXXX CREDIT REPORT NOR HAS ANY OTHER PAYMENTS HAVE BEEN POSTED MY BALANCE SHOULD BE APPROXIMATELY {$130.00} AT THIS TIME NOT {$850.00} BALANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX CELL PHONE XXXX XXXX XXXX HOME XXXX XXXX XXXX I WISH TO HAVE HIGHER SCORES ON MY CREDIT REPORT THANKS IN ADVANCE.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2016 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Closing/Cancelling account

Complaint: XXXX XXXX, XXXX I 'm writing to you in regards to my Synchrony bank account at JC Penney I started an account with JC Penney approximately seven years ago. Recently synchrony bank acquired the credit account and since than I have had nothing but problems. 
I had a balance of {$320.00} on XXXX XXXX XXXX. I set up a payment agreement on the internet, for {$65.00}. However, my payments were not deducted from my account on the same day every month so I paid off the balance on XXXX XXXX, XXXX. But, Synchrony continued to credit my account. On XXXX XXXX, XXXX, they credited my account XXXX. I called and was told this would not happen again and a check would be issued. I asked for written documentation and was told they could not give me anything in writing. On XXXX XXXX, XXXX my account was again credited for XXXX. Again, I called and told them my account was closed and paid off and again they sent me a check. 
Because I did not trust them I had my bank stop payments on any deductions they tried to make. Since XXXX they have tried to credit my account four times and now claim I owe them XXXX last time I talked to them, I got so I angry and cursed them out. They accused me of lying. Please, can you help. This is hurting my credit and my husband and I are looking forward to buying a house in the future. 
I have enclosed a copy of my bank records showing when they credited my account, the stop payment issued by the bank and the statements from JC Penney. 
Thank you in advance XXXX 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 monetary relief
Consumer complaint received 01-07-2016 about Mortgage (Conventional fixed mortgage) with NORTHERN OHIO INVESTMENT COMPANY (OH).
Issue: Application, originator, mortgage broker

Complaint: I had loan pre-approval XX/XX/XXXX, I provided updated financial docs XX/XX/XXXX prior to making my offer on a condo and now 2 months later I feel I am no longer to actually closing on my loan and have had inconsistent communication from my loan XXXX regarding my loan in process. I dont understand how someone with an XXXX credit score who has their financials in order and has provided every doc requested within 24 hours to purchase a reasonably low priced home within their means can not even have a close date after 60 days in progress. Though I understand an exception approval from XXXX was needed for the condo complex and it caused delays, I dont see why the documents were not able to be prepared, waiting for the approval to move forward. I verbally reviewed updated figures 3 weeks ago with my loan officer and I still have not seen any updated documents. If there are delays outside of anyone 's control, I can understand that but I dont feel that I am being very well communicated to in order to understand. I email and leave messages for my loan officer and I dont get responses for days, and I 'm made to feel like I 'm harassing her just to get information on my home. I have expressed that I have no lease in my current home and cant even work with my landlord for an arrangement because no one can give me an estimated closing date and I could be kicked out of my current home at any moment and I dont have a new home to move in to! Prior to my investor exception approval, I looked into my options at another lender and found that the closing fees and costs with XXXX are higher than they could be but after I received approval, I decided to finish with XXXX as I assumed I would have closed much faster than starting new with a new lender but I am regretting this decision as I feel no closer to closing then I did 2 weeks ago when the approval was made. The homebuying process is an enormous decision and should be fun and exciting and my experience with XXXX has caused the process to bring me nothing but angst. There have already been XXXX extensions with the seller and I am going to lose the property if this can not get closed and completed as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation