milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-12-2016 about Credit card () with SYNCHRONY FINANCIAL (PA).
Issue: Credit line increase/decrease

Complaint: I am writing as a loyal Amazon Prime customer to voice my concern about the use of Synchrony Bank for Amazon Prime Store Card. I know I am one of many, many, many millions of Amazon Prime customers but I feel it is important to express my disappointment in Synchrony Bank and if it is a common compliant from Amazon Prime loyalists, maybe a change could take place in the future. 

I have struggled over the last years to get my financial life back on track and am now heading in the right direction. I recently paid off my Amazon Prime Store Card balance. Prior to totally paying it off I never missed an monthly automatic payment. After paying off the card, I wanted to take advantage of my Smile Amazon to buy some holiday gifts, give to my charity designation and use the Amazon Prime Store Card for the cash back option based on the amount you spend. It was at that point that I learned Synchrony Bank had dropped my credit limit from {$800.00} to {$100.00} ( TO DATE, I still have not received a letter about this and as of my XXXX statement I still had an {$800.00} limit ). 

I called to voice my confusion to Synchrony Bank and after finally getting through to an American based manager ( it took a bit as the XXXX based telephone consultant kept saying " I am so sorry for your concern '' but would not connect me to anyone ). The manager informed me that Synchrony Bank runs regular credit checks ( every six months ) and she went on to list my credit rating and why my poor credit history caused my credit limit to be dropped ( very condescending in tone ). I asked if I had ever missed a payment with Synchrony Bank Amazon Prime Store Card and now that my balance was {$XXXX}, why would the Bank do that? She informed me it had nothing to do with my good payment history with the Bank or my XXXX. I went on and checked my credit score tracker and because of Synchrony Bank dropping my credit limit, I went down XXXX points on my credit score due to a " decrease in available credit '' from Synchrony Bank. So as hard as I had been working to increase my score over the last six months, it was ruined in one moment and I have less available credit for my Amazon purchases for the holidays. 

Sorry for this long email but I had to express my frustration and wondering if this has happened to other Amazon Prime Store Card holders. I certainly understand if the Bank does n't extend more credit but dropping the credit limit seems unjustified.

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 10/23/2017 about Debt collection (I do not know) with Choice Recovery, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I disputed this a account Choice Recovery, Inc which is an unknown account to me and it is not my debt. I disputed the cle tion account t on XX/XX/XXXX with XXXX, XXXX, and XXXX. I disputed the collection account advising all the credit monitoring reporting agencies that this was n't my debit and it was unknown to me. On XX/XX/XXXX, XXXX had completed there investigation and updated and removed the account from.my file. However, XXXX and XXXX both concluded different results ... both agencies verid account as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I was placed as an authorized user on a credit card without my consent. I have never used this card from XXXX XXXX XXXX XXXX. I have been writing Equifax for over a year to remove this item. I have also been writing XXXX XXXX XXXX XXXX. The account was charged off and I am not responsible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/24/2018 about Vehicle loan or lease (Loan) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint: TODAYS DATE : XXXX/XXXX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT CAPITAL ONE AUTO FINANCE To Whom It May Concern : This letter is being sent to you in response to a notice a couple entries by your company on mycredit reports. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair DebtCollection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation isrequested.This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you What do I need you to provide as the debt validation. 
What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent Proof that the collection company owns the debt/or has been assigned the debt. ( You are legallyentitled to collect this particular debt from me. ) This is basic contract law. 
Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt andhow you/they determined these fees. ) This requirement was established by the case XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX 
Copy of the credit card application. ( My contract with theoriginal creditor establishing the debt between us. ) This is also basic contract law. 

XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Consumer Loan (Vehicle loan) with CHECK INTO CASH INC. (GA).
Issue: Taking out the loan or lease

Complaint: This is a Title Loan for my vehicle that I have a title for. I have the receipts of payments and the amount financed is not moving downward. I have never been late and paying more than the minimum amount due. I believe this title loan is a big rip-off. I just need another opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2015 about Consumer Loan (Installment loan) with Delbert Services (MD).
Issue: Managing the loan or lease

Complaint: I currently reside in XXXX, but this loan was established online when I lived in XXXX, XXXX My XXXX challenge is the validity of the loan since it is prohibited in XXXX, XXXX XXXX. The other, is the interest rates originally 135 % then reduced to the current rate of 84 %. This seems more than the law allows based on XXXX usuary laws. I have already paid Delbert / XXXX more than my original balance of {$2600.00}. Additionally, the amount I owe is more than the original balance. I offered to settle for an amout a friend was willing to give, {$800.00}. They declined and countered for nearly {$2500.00}. I advised them that I have been out of work since XXXX 2015 and could not continue to maintain this loan. Today, they called asking when my payment will be made, Due on the XXXX of each month. I advised the rep. that I no longer wanted to be contacted regarding this matter as my last offer was my best. The call was discontinued.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Credit monitoring or identity protection
Sub-issue: Receiving unwanted marketing/advertising

Complaint: Recently, received my credit report and found unwanted Hard inquiries on there permitted by Experian, despite the fact I have asked for a valid investigation or having them removed under the FCRA law. Experian never proved a proper re-investigation by having these companies certify they had a valid reason to access my report.

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 10-02-2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (TN).
Issue: Loan modification,collection,foreclosure

Complaint: i have been fighting for over year to find the law enforcement agency that enforces these laws, and this is not the first time i have written you. 
this will be the last, letter i write searching for just, and you can do like the XXXX outside my home and find the rest of the story or make up the rest like they doa conversation with the F.B.I. 
still no answers or call backhttps : XXXX is a letter from a brief i sent to then Attorney General XXXX XXXX. 
all consumer issues, and back story of state XXXX actionsXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Settlement process and costs

Complaint: I refinanced through Nationstar in XXXX of XXXX. When I refinanced part of the contract was that they wanted to " retire '' the title. Months later I called weekly to confirm that would retire it and they never did. I put my house on the market for sale in XXXX of XXXX. When the contract got to the closing attorney it was found that they had lost the title to my manufactured home.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Mortgage (Conventional home mortgage) with TIAA, FSB (NY).
Issue: Trouble during payment process

Complaint: I 've been trying to have Everbank remove PMI from my mortgage. Below is the summary I sent to Everbank outlining my issues. <P/>This letter was originally faxed on XX/XX/XXXX to XXXX. Per my follow up call on XX/XX/XXXX, the representative confirmed that the fax was received on XX/XX/XXXX and that it had only been 25 days and the process takes 30, and instructed me that I should wait and I would receive a letter after the 30 day period. I did not receive a letter, so I called back on XX/XX/XXXX and the representative XXXX stated that he saw in the notes on XX/XX/XXXX stating that the letter was received, but he could not find it in the system. He had no explanation, after checking for an extended period, what happened to the letter. Speaking w/ his supervisor XXXX , she instructed me to fax in another copy to the priority number and said that she would monitor and make sure it was processed this time. I called back on XX/XX/XXXX to check a second time and the representative said she again could not find the XX/XX/XXXX letter. She instructed me to send to the priority fax number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2016 about Credit reporting () with EQUIFAX, INC. (WI).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I found XXXX more social security on my name and i just have XXXX i dint have more than XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Other

Complaint: Good Day, I had contacted Chase for improper hard inquiries on my credit reports as below- XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 If you find that my dispute is incorrect, and you did have my authorization to inquire into my credit report, please send me documented proof of my authorization. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I had a hardship last year. I was granted the hamp program the point of contact that I had throughout the entire process did not follow the loan through she never sent me the information that my loan was approved and the exact start date, my loan was approved in XXXX and I was informed in XXXX so when I started the loan modification I was one month behind I reached out for assistance and they said there was nothing they could do I would have to try to make that monthly payment on my own, then I became two months later down the line and eventually three months so, they told me I was in foreclosure and I would not be eligible for the program unless I it was 24 months after the program that I had, received I went back and forth with this mortgage company and still was unable to receive any assistance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2016 about Mortgage (Other mortgage) with Ditech Financial LLC (MI).
Issue: Settlement process and costs

Complaint: This is a continuation of complaint # XXXX. I have gathered the information that Ditech requested. I will attach XXXX letter from me to Ditech, XXXX letters from a lawyer to Ditech, and the information that was sent with the letters. The first letter was XX/XX/2015 preceded and followed by many recorded telephone messages that were not returned.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (PA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: Date : XXXX/XXXX/XXXX Attention : XXXX XXXX XXXX Customer Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX From : XXXX  Regarding 2 Accounts Numbers Below ... Accounts XXXX XXXX XXXX & XXXX XXXX Time after time again I have asked / request in witting a complete full statement from your company with your company heading which since from XX/XX/XXXX up until XX/XX/XXXX I have never been in receive of not been as after the request has been given and submitted by your employees : 1 )  XXXX Employee ID # XXXX 2 ) XXXX Supervisor ID # XXXX My Request has been submitted time & time again for the past FEW years and never have I XXXX ever been able to receive a bill via mail from you .. I know ask that if possible can YOU PLEASE mail me out ALL FULL STATEMENTS FROM DATE : XX/XX/XXXX UNTIL DATE : XX/XX/XXXX Even if able give me access back to the web site of your company computer system where I can obtain them and print the billing statements out myself PLEASE I BEG of you for the 100000 TIMES Since XX/XX/XXXX!!
You have CLOSED my account and NOT given me access to pay YOU for the OUTSTANDING AMOUNTS which you have SOLD off to another company for COLLECTIONS!! Your behavior is very bothersome to me as a citizen of the United States and I know for a fact that I have No Knowledge of any outstanding Debt that You Claim I owe YOU!! Beings that YOUR COMPANY XXXX XXXX XXXX HAS NEVER MAILED ME OUT ANY STATEMENTS TO MY MAILING ADDRESS .. JUST Recently, after your rep walking threw to gain access NOW YOU 'VE BLOCKED me from access the account on your web site!! ALL I HAVE BEEN TOLD IS THAT PAY ON LINE VIA ACH.. directly from my computer to your web site!! I am begging YOU XXXX XXXX XXXX to please give me the statements that you say you sent to me and my request of for ( COPIES of ALL STATEMENTS PLEASE from XX/XX/XXXX too XX/XX/XXXX PLEASE!!! Please send ALL statements as soon as possible and I will be more than happy to pay off what you claim I owe you ... .. NO WORRIES AT ALL!! Please Mail Me Proof of ALL Statements from XX/XX/XXXX too XX/XX/XXXX Thank You Kindly Respectfully : XXXX  cc : XXXX XXXX XXXX XXXX XXXX cc : XXXX XXXX XXXX XXXX cc : XXXX XXXX XXXX cc : * XXXX XXXX XXXX XXXX XXXX MCM XXXX XXXX cc : MIDLAND FUNDING , LLC & MIDLAND CREDIT MANAGEMENT, INC cc : XXXX # XXXX MCM ACCOUNT # XXXX / Document Types Request : Chargeoffstatemnet cc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Consumer Loan (Vehicle lease) with AMERICAN HONDA FINANCE CORP (MD).
Issue: Taking out the loan or lease

Complaint: I leased a XXXX XXXX XXXX VIN # XXXX on XXXX/XXXX/XXXX from XXXX XXXX in XXXX, MD. The car was new with XXXX miles on odometer ; presently XXXX miles. After all leasing paperwork was completed to lease this car ; the salesman INFORMED ME AIR BAGS ARE NOT WORKING AND I WOULD HAVE TO BRING CAR BACK TO MAKE THEM OPERABLE. He said he had to KEEP all of my leasing papers ; no paperwork for me at all! 
Everyone at dealership was aware of airbag problem but me. To make it worse, the car has had problems since I have had it. This car would not even pass inspection so why was it on the lot for sale? I have asked repeatedly for my copy of the lease ; to no avail. XXXX person sent a XXXX page " lease '' on letter size pages and parts were obviously obscured and it was n't readable. I received THREE different stories on airbags including " oh so you 're the one who bought it ''. The COO, XXXX, basically said I was stupid and why did I buy the car! Was very rude, yelled at me ; offered me to bring car back and he would APPRAISE IT then find another car. He promised to call me back ; of course I have n't heard from him. The XXXX, XXXX XXXX, was very ANGRY towards me along with arrogant, rude, constanting interrupting me and uncompromising. Something would be said about a recall ; but this was not a recall! He said he called me several times ( no record in my call history ) but I have found that they lie easily. The XXXX actually called ME a liar! Legally, as of XXXX XXXX Federal Law mandated that every automobile have working air bags when sold INCLUDING new cars. In XXXX ( XXXX ) of XXXX Part XXXX : Defect and Noncompliance Responsibility establishes requirements for format and contents of manufacturer notification to owner who is first owner of motor vehicle and motor vehicle equipment of a defect relating to motor vehicle safety and noncompliance with a Federal Motor Vehicle Safety Standard. As of XXXX XXXX, XXXX Federal law required XXXX information on certification label affixed to motor vehicle to provide consumer with information to assist with Federal Motor Vehicle Safety Standards. This makes my car an illegal lease agreement and the sale null and void. I have tried working with American Honda Customer Service Liaison, beginning XXXX. The case number is XXXX. The " arbitrator '' was always a man named XXXX and we never agreed even closely to rectifying the illegal sale. We spoke several times over a period of months but with no resolution. He was definitely a XXXX employee. The car malfunctions are too numerous to list here ; but the brakes grabbing unexpectedly, the car 's missing when accelerating, making noises while driving and after car is shut off, and that auto lights do n't always come on are the most serious safety hazards. Help!

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I sent EQUIFAX, written requested for full file disclosure pursua nt to 609. Disclosures to consumers [ 15 U.S.C. 1681g ] of fair credit reporting act o n  XXXX / XXXX / 2017 . USPS delivery on  XXXX / XXXX / 2017 , My request was denied ( ignored ). So, on  XXXX / XXXX / 2017  I sent a second request.  USPS  delivery  XXXX / XXXX / 2017 , the company is in clear violation of federal FCRA law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/16/2015 about Debt collection (Medical) with Professional Medical Management, Inc. (PA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: Asked for validation of debts and Financial Recoveries does not respond.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/18/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Problems caused by my funds being low

Complaint: I had several hundred dollars in my account and made routine daily transactions on a debit card, as they were processing a check was cashed. THe bank processed the check and then charged me {$280.00} in overdraft fees for separate transactions, they processed the check first to put me over my account and then processed the small purchases. The {$280.00} in fees was for minor items such as a a soda.

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 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: There is an address in California that is reportedly associated with my name being reported on my credit report. Ive never lived in California so I know that Im a victim of identity fraud in this particular case.

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 08-06-2015 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (PA).
Issue: Problems caused by my funds being low

Complaint: I had overdrawn my account last month and again this month. I had alerts set up that I am supposed to get an email when there is an overdraft so I can immediately deposit funds to keep from incurring fees. I have not been receiving the alerts until the day after the overdraft has occurred which entails a {$35.00} fee for each transaction that day. My wife went the XXXX day to deposit funds via check and the teller told her she could deposit via ATM and it would cover. It did not, and it posted the next day, which results in {$100.00} of fees that day. I went and made a deposit again this morning at bank opening to cover a {$8.00} overdraft from last night ( which did not show up at XXXX when I viewed the account ) and was told that I was now good by the teller with a XXXX. I logged in and saw I am in the red again because they are now charging me {$35.00} again. I have been charged fees due to both lack of notification, which I signed up for, and for bad information from bank tellers in which the manager could only apologize and say they are not responsible for misinformation from tellers and there is nothing they could do. I have been a customer of this bank for 13 years now and am tired of these inappropriate fees ( or money grabs ) from my bank due to their bad employees and bad systems. Their repetitive fees keep me from getting back in the black.

Company response to consumer: Closed with monetary relief