milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/15/2016 about Credit card () with SYNCHRONY FINANCIAL (IL).
Issue: Credit line increase/decrease

Complaint: Credit line increase hard pull On XXXX/XXXX/16. 
I used the online service to request a credit line increase for my Walmart credit card. Upon doing so, I received an automatic electronic message indicating " unable to process online credit increase for this account ''. I contacted customer service, who failed to inform me that requesting a credit line increase via telephone will result in a hard pull. The representative only asked for my annual income and amount of increase ( how much ), then immediately processed my request. I was denied. He said I would receive a denial letter via mail within 7 days. Thus, I inquired if my request was a hard or soft pull based on the fact I did not regard the credit request as an actual application process and I was not advised beforehand by the representative so that I may opt out of my request. I immediately expressed my concerns regarding his lack of providing adequate and appropriate customer service relating to credit limit requests.

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 05/16/2015 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (TX).
Issue: Using a debit or ATM card

Complaint: On XXXX XXXX, 2015, I made a XXXX deposit on an Chase ATM machine located on XXXX XXXX XXXX XXXX in XXXX, XXXX a little before XXXX pm. After I was asked to insert the bills, the machine took a long time to process the bill count and then gave me a receipt saying that the atm machine was currently unavailable and a number I should call to report the incident. The number was toll free ( XXXX ) XXXX to which I called immediately at XXXX and then dialed again at XXXX. When I talked to the representative, they told me that the machine would not return any money and that the amount of XXXX dollars would be credited to my account. I did not think much of it and believed it to be a ATM error that had been resolved with this call. On XXXX XXXX, 2015 I noticed there was a reverse credit for this same amount and I contacted Chase Bank in XXXX and they transferred me to the claims department. I talked to a representative that told me that when the machine was serviced they had not found any excess money in this machine and that they had also checked the surrounding ATM machines. To which I responded that I had told them the exact location and machine in which the deposit was made. He said they would open up the claim again and double check if they would find that money. I asked to talk to a senior specialist who did not disclose his full name ( XXXX XXXX in XXXX XXXX ), and pretty much told me that if I had in fact made that deposit, then it would have been found in the machine. I do not know what to do next, I will be going in and talking to my bank supervisor.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-09-2017 about Consumer Loan (Installment loan) with Big Picture Loans, LLC (WA).
Issue: Problems when you are unable to pay

Complaint: I took a loan with Big Picture Loans and it was for XXXX well I took that loan out in XXXX and I have been paying on it ever since and after reading all the reviews I feel like I may not get out of this loan. But as I was reading I saw that thru my state since they are not licensed here they have to give back to the borrower. I have made XXXX per month with them and just this last month I was unable to pay it. They extended my payment but also on top that calling them is super annoying I got hung up on at 3 times beforehand. Not happy. I am really dissapointed in this with how much they charge for interest rate and on top of that they are not allowed to do it my state. Just this month I would have been touching the loan but since XXXX I have been paying XXXX a month and this month would have been XXXX it is rediculious. It is a shame that a company can do this to people now I have nothing to live on because of this. I also do n't want to have to close my account because of them but I might have too if I ca n't afford these big payments.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: On XXXX XXXX 2017 I reluctantly called experian and told them the collection company was n't able to provide me legitimate validation of the debt so it needed to be removed from my report. I was told they could n't delete information but would dispute it again. Two weeks later I got a letter saying the item was verified. I then asked what information did they get to verify this of which I was told they could n't tell me. They said the debt collector told them " to the best of their knowledge the debt was verified ''. Experian refused to show me their proof and all experian did was parrot the information which is n't right or legal.

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 01/19/2016 about Credit card () with SYNCHRONY FINANCIAL (UT).
Issue: Other

Complaint: I started to receive calls from XXXX. I called back got a recording " XXXX attempting to collect a debt. '' I have not been 30 days past due on anything nor received notices. Finally got a Rep on the line. First thing she mumbled her name, recording, Synchrony Bank, and this was attempt to collect a debt. The XXXX immediately requested my SSN on to which I refused. After great difficulty it was determined they were a bank backing XXXX XXXX XXXX credit card. That it was a bank not collection agency. They started calling because I had missed my XXXX/XXXX/2016 min. payment. She insisted I was 34 days late. Noted that she did not know the Credit Card XXXX or much about XXXX. She did finally agree to put my complaint in the tracker as mandated by XXXX XXXX. There was a very frustrating conversation where in which I requested to speak to a supervisor. After calling back I spoke with XXXX XXXX who confirmed that it was bank not a collection agency, and that I was not technically 30+ days late as the previous rep had insisted. I told him that I agreed I had missed my due date. By getting phone calls prior to even being 20 days late I consider to be somewhat harassing. It was concluded that he too did not completely know about the Card Act, XXXX, or other XXXX. I asked him to also enter the call into to their complaint tracker which he said it was already. I then advised him that I would be issuing my own complaint. I am attaching the credit card statements. On to which it states I needed to pay the full amount ( which included the past due amount ) by the next XXXX. Since the account was not 30+ days past the due date and late amount was now expected by the next due date, these phone calls were unwarranted. Also, Synchrony Bank used the tactic of " attempting to collect a debt '' was deceptive in trying to threaten me into making a payment although I now know it clearly reflects I did not.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Alright so back on XX/XX/2017, i made a car purchased and the dealer sent out inquiries to alot of lenders, i need help getting this disputed from my credit report, if you guys can help me that would be awesome. Please and 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 09-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Alliance Data Card Services (IN).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I was approved for a visa card with comenity on XXXX with a XXXX CL. I received my card in the mail on XXXX and on XXXX I went to use the card and it was declined. I called comenity and was told that XXXX days after my approval, my profile was reviewed again and they decided to close the account because of too many inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2015 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian is reporting inaccurate, illegal late payments on Myfico Experian credit report. 
Accounts were Charged -off /Closed and there are multiple late payments showing after the accounts was charged-off /closed is inaccurate.This is illegal! 
The lates should be deleted immediately.I plead with CFPB to investigate this matter. 
The XXXX accounts are inaccurately showing multiple illegal lates after charge/off. 

1 ) XXXX XXXX - XXXX XXXX XXXX ... ..., 2 ) XXXX XXXX - XXXX XXXX XXXX ... .... 
The lates report as recent as XXXX 2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Mortgage (Conventional fixed mortgage) with Synovus Bank (SC).
Issue: Loan modification,collection,foreclosure

Complaint: the lender is in violation of regulation 1024.39 ( a ) Early intervention requirements for certain borrowers. - A servicer shall establish or make good faith efforts to establish live contact with a delinquent borrower not later than the 36th day of the borrower 's delinquency and, promptly after establishing live contact, inform such borrower about the availability of loss mitigation options if appropriate. & 1024.39 ( b ) Notice required. Except as otherwise provided in this section, a servicer shall provide to a delinquent borrower a written notice with the information set forth in paragraph ( b ) ( 2 ) of this section not later than the 45th day of the borrower 's delinquency. A servicer is not required to provide the written notice more than once during any 180-day period.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2016 about Credit reporting () with EQUIFAX, INC. (KY).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX XXXX were disputed and deleted from my files back in 2013 and last month they were re inserted to my credit reports. I disputed the matter with XXXX and Equifax. I explained to them the situation and they told me they would take this matter to a manager and have it immediately removed but instead I have waited over 30 day for a response from them and now knowing this information was deleted they said the results of my investigation says it belongs there. that means that they did not investigate throughly and the credit management at Equfax is not doing their job properly.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: I have been stolen from for XXXX years from bank of america HELP!!! XXXX XXXX, I 'm scared. Ca n't get any help. Have all documents. There fraud dept, is a separate mess. Please help. I am XXXX. On ssi.They have taken XXXX checks from XXXX XXXX to XXXX. And all savings..TheyThey even opened an online account in my name.I know who the players are..do not deal with personal bankers. Get out of bofa.Now.. I am XXXX. I had to learn the computer, enough to find things out.also, they stopped statements.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2016 about Student loan (Non-federal student loan) with First Associates Loan Servicing LLC (TX).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I enrolled at XXXX XXXX, under the premise of a better opportunity and advanced learning. Once enrolled I quickly saw how the institution was a joke. Teachers passed you with no problem as long as you showed up for class. I did not want a free ride, I actually wanted to learn a skill that I could utilize in the work field. Once I saw this I began to look elsewhere for schooling and then learned the bulk of my credits were non transferable, and that most employers do not consider XXXX an accredited school. This is not the message I was given when I enrolled. I was told how employers consider graduates the cream of the crop and finding a job would be no problem. Once I left I then could not enroll in another school due to the fact I now had tremendous debt from my time at XXXX. The loans taken out were predatory with outrageous interests rates, which I learned most of the students end up in default on. My credit has been largely affected due to delinquent payments and I see no clear way out in sight. XXXX is very corrupt and dishonest with the facts stated in order to coerce students into enrolling. Exaggerated graduation and job placement rates, as well as knowingly convincing students to take on huge debts that they will more than likely not be able to repay. These actions should be criminal. Now I am constantly being called and harassed by XXXX Private loan, the agent assigned to my loans with exasperated demands of payment. There must be something done to assist the thousands of students like me who simply wanted to better themselves and we 're taken advantage of.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Experian has fail to delete wrong information on my report even though on the report results saids that all wrong information has been deleted.

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 08-10-2017 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (GA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: My case # XXXX was closed, however, I am not happy with Suntrust 's response. It was not until I requested back money that they changed their story from bank error to my error. I have witness that were on the phone with me that heard the Suntrust representative state that it was bank error on multiple occasions. My witness works for XXXX XXXX XXXX XXXX. The Suntrust representatives knew she was on the phone due to all of us trying to figure out what happened. Here is my original complaint : I had a checking account with Suntrust bank. In XXXX of XXXX, an automatic payment to XXXX XXXX was rejected. I realized the payment had been rejected when my insurance was cancelled for nonpayment. I reinstated my insurance and did not know there was still an issue until XX/XX/XXXX. On that date, I got pulled over by an officer with an electronic tag reader and was given a ticket for suspended registration. After several discussions with XXXX XXXX, Suntrust, and myself, Suntrust acknowledged a bank error on their part and acknowledged that the payment should have gone through.

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 07/18/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: XXXX error from trans union no report recieved

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with United Recovery Solutions (IN).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: A business in XXXX, Indiana, Named XXXX XXXX XXXX has contacted me of a debt i owe on a trumpet. THey have wanted the payment in full, but i have told them i simply can not do the payment in full. The delayed the process to turn it over to a collection agency, but once it has been sent to one we began to face more problems. United Recovery Solutions contacted us, we explained to them that we want to pay the debt, but can not possibly do it all at once, but they demanded we pay in full. We have requested XXXX times that they send us a letter with detailed information of what they are claiming. In return they respond by yelling at us, giving us ultimatums, threats about calling the police, pressing charges for a felony and they just keep harassing us by phone 2 to 3 times a day. Every attempt to get information from them has failed, we have asked them for more information such as employer ID, supervisor name, professional licence, etc. They just continue to give us the same threats and hang up. We feel and have been advised by the Federal Trade Commission and other agencies in Indiana to not answer their calls until we have a writing notification from them, again with a detail information, account number, etc. I called them today XXXX/XXXX/16 @ XXXX, because we have yet to receive mail with detailed information regarding the collection. I spoke with a man by the name of XXXX XXXX who at my request told me I was not going to receive any form of mail, then continued with the threats of calling the police and pressing charges.

Company response to consumer: Closed
Consumer complaint received 10/14/2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: This complaint is not an acknowledgement of the debt, and is not an indication that payment will be made. The goal of this complaint is to bring forth a FCRA violation by XXXX, Experian, XXXX, XXXX ( original creditor ) and XXXX ( or XXXX ; collection agency ). 
I currently have a {$6400.00} collection from XXXX XXXX ( aka XXXX ) illegally appearing on my credit reports. The Original Creditor of this account is XXXX. Upon reviewing my ENTIRE statement history from XXXX ( attached ) it is clear that the date of first delinquency of this account is on or before XXXX XXXX. By the XXXX XXXX report, the available credit limit was {$0.00} - in other words, my credit had been REVOKED, as the account was in serious delinquency. This date explains why the XXXX tradeline does not appear in any of my credit reports. However, the XXXX XXXX tradeline appears since it misrepresents the date of first delinquency. Based on the date of first delinquency of XXXX XXXX, the tradeline should appear on my credit reports until XXXX XXXX. I am writing to request that the credit bureaus ( XXXX, XXXX and Experian ) immediately delete this tradeline. I am also writing to request XXXX ( as required by law ; and as the original creditor ) to instruct the credit unions and XXXX XXXX to stop reporting this tradeline. I am also writing to require XXXX XXXX to immediately stop reporting this tradeline.

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 10/26/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: XX/XX/XXXX I lost my job and so did my husband. We were both making payments towards the house with no problems. As a result in my job loss my husband was the only provider and it became stressful and financially we were unable to make payments on our mortgage. I contacted the mortgage which was XXXX through XXXX XXXX XXXX. They tried to modify our loan and help us make lower payments. Then we got our result back and it was still high and we could n't make payments. By the time we tried again to modify, my husband lost his job due to the company going out of business and we were left in a bad position. So I contacted the bank and asked to put the house on the market and that did not go well. Did n't sell, then we went through a process of short-sale, deed-in-lieu and then I voluntary gave up the house and we moved out XX/XX/XXXX. We were given the run around by the bank every time we tried to get out of the house and the bank kept changing ownership through this order : XXXX, XXXX XXXX XXXX, Green Tree and now Ditech. Every time we get a process started we have to start over with another company. It has become very frustrating. We do n't live in the house because my husband joined the XXXX XXXX XX/XX/XXXX and we live in California and are unable to make any payments on this house. We have been trying all these years to get the house out of our debt and always hit a stand still in our efforts. We ca n't afford it and want something done. Please help us get the mortgage company moving on a outcome. We are no longer interested in keeping the home. Please fix the issue! We are very unhappy with the banks effort to help us! My husband wants to XXXX within the XXXX and because of the house our credit is a huge issue. He ca n't have high security clearance because of the mortgage being a huge debt. We need to get the house off our credit so that we can pay off the small debt we have to establish a clean and well standing credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (NY).
Issue: Loan modification,collection,foreclosure

Complaint: The lender has agreed to review the clients file through loss mitigation options and is refusing to hold/postpone the sale date set for XXXX/XXXX/16 to allow time for the review, which they state will take up to 30 days.. They are in direct violation of regulation X by Dual tracking.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (WA).
Issue: Struggling to pay mortgage

Complaint: We went through years of trying to get them to give us a modification. They would never do it. Now they sent us a letter saying they made a mistake and sent us a check for {$100.00}.

Company response to consumer: Closed with explanation