milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint: On XXXX/XXXX/XXXX received letter dated XXXX/XXXX/XXXX stating that I am being " denied credit '' and my credit line is being reduced from {$20000.00} to {$10000.00} because I am not using the card enough -- please note that government and private agencies strongly urge consumers to keep credit scores high by using the smallest percentage of available credit they can. I did NOT request or authorize any change and assumed fraud. Tried repeatedly to contact card issuer ( CapitalOne ) by phone and was repeatedly cut off by automated system after long holds. Therefore I sent letter dated XXXX XXXX requesting fraud investigation ; attached as " XXXX. '' Company did not respond. Therefore, on XXXX XXXX I again called and this time reached an agent who gave the name " XXXX. '' He then said he was in the wrong part of the fraud department and eventually turned me over to someone giving the name " XXXX '' and the ID # XXXX. I was on the phone a total of 33 minutes beginning at XXXX Eastern time. " XXXX '' confirmed that this change is NOT fraud and that CapitalOne is denying me credit ( as their letter says ; see attachment " XXXX '' ) for " our own business reasons, '' and will be reporting the denial to the credit agencies, thereby harming my credit standing. I have a credit score and a FICO score over 800, partly because I am careful to use the smallest possible percentage of my available credit. CapitalOne is forcing me to use a higher percentage by reducing the credit line and is therefore deliberately and intentionally damaging my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (CA).
Issue: Managing the loan or lease

Complaint: I purchased a mattress from XXXX XXXX on XXXX/XXXX/XXXX and chose to pay the mattress with their interest-free financing promotion given that the balance of {$5000.00} was paid in 36 months through GE Capital, which is now Synchrony Bank. I needed to set up my monthly payments online, and at the time, the only option I had was to pay the minimum payment each month. On GE Capital 's website, I could n't set a custom amount for the monthly auto-payment, as I wanted to ensure that I pay my balance completely before the 36 months. 


Every month, GE/Synchrony sends an email to my inbox with a summary of my statement, which contains only three pieces of information : due date, balance, and minimum payment due. The email does not display at all when the interest-free promotion will end. To further exacerbate the problem, the monthly emails from Synchrony went to the " clutter '' folder in my inbox and did n't get my attention until it was too late. 


When I finally had the chance to log into my account on Synchrony 's website on XXXX/XXXX/XXXX, I was shocked to see that I now have a balance of {$5800.00}. I learned that the promotional date ( XXXX/XXXX/XXXX ) was passed without any prior warning. I was able to see the promotional end date only after logging in to my account on Synchrony 's website. I pulled up my original purchase document and saw a statement saying " If the promotional purchase balance is not paid in full by the end of this Promotional Period, interest will be imposed from the date of purchase at the APR of 29.99 % ''. It became apparent to me that the minimum monthly payments I could set up three years ago did n't adequate cover the full purchase price. Still shocked at the revelation, I checked my statements from earlier this year and saw that the monthly payment to Synchrony kept decreasing every month and is no longer the amount that I first set up with. 


The significant problem with this loan structure is that all of the accumulated interest is put on the consumer all at once after a certain date has passed. What 's worse is that for people like myself who did n't recognize the huge balance increase right away, the auto-payment is still in place and is draining away my bank account every month. I feel that Synchrony set up the structure of the installment loan to not fully inform customers up front in order to profit as much as possible from consumers, which does n't feel right.

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 10/18/2016 about Debt collection (I do not know) with STONELEIGH RECOVERY ASSOCIATES, LLC (NY).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: First I want to say they did all of the options above. I know where all my debt is and it isnt with this company. They called my job ( a school ) and somehow got my cell phone number which I NEVER gave out. 
They have been calling non-stop for the past 3 days. I called back multiple times and they are rude and nasty. I refused to confirm the " information '' about me they had on file so they hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (OK).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: last thursday XX/XX/XXXX-2017 I made a deposit at the bank of america location in XXXX. I was informed that they were going to place a hold on the deposit. Well its been a week and now there saying its going to be 3 more days for a total of 9 days. This is really putting me in a bind. I am suppose to go out of town on business and I have no way to pay for my hotel because Bank of america wants to hold my depost. I have called bank of america customer service, i have went in to a location and spoke to a manager but so far they have been absoltey no help. I am incredibly frustrated with this bank. The company that wrote the check even said they could verify funds and bank of america customer service refused to let that happen. This has been one of the worst experiences I have ever had with any bank. One of their customer service reps even told me that i could go to an ATM and overdraft my account if i needed the funds.like what kind of company will do that. Bank of america deserves a very hefty fine over stuff like this.

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 03-10-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: When trying to reduce my monthly payments I was guided towards forbearance which I was told would not accrue interest due to my circumstances at the time. My monthly payment want up from under 500 a month to nearly 700 a month.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (GA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Synchrony Financial Care credit card has charged me late fee for 12 months. Synchrony financial Care credit charged {$38.00} every month for 12 consecutive months. Since I make weekly payments ( not monthly ), the last payment was outside of the due date ( XX/XX/XXXX ). The company put the last payment ( considered late payment ) cleared on the XXXX to XX/XX/XXXXof each month onto the said month instead of applying the last payment to the next month. The company then charged late fee {$38.00} EVERY MONTH from XX/XX/XXXX to XX/XX/XXXX by repeating the same tactic. No call or correspondence to warn me of late fees. 

But the abuse was that each month they charged late fee then kept the last payment which is usually after the XXXX of each month instead of applying to the next month. 

The total late fees charged was approximately {$420.00} for the last 12 months.

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

Complaint: I was affected with the Equifax breach, confirmed by their website as of XXXX XXXX, XXXX. My name, address, SSN and credit card information was accessed.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Payday loan, title loan, or personal loan (Payday loan) with Enova International, Inc. (SC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I have made arrangements to repay a {$800.00} loan that includes high interest to {$2000.00}. I emailed CashNet USA this statement on X/XX/2017. Effective XXXX XXXX, 2017, I can begin repaying {$50.00} per month towards the debt of {$2000.00}.
Thank You!
These are the repayment terms that I can do because I am still unemployed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2018 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: Balance : {$9200.00} Highest Balance : {$9200.00} Opened XX/XX/XXXX ( 1yr, 2mos ) Account status : Open Type -- Responsibility Individual Remarks -- Original Creditor Name : XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Minimum monthly payment XXXX XXXXOpenedXX/XX/XXXX ( 3 yrs, 3 mos ) Account Details Account status : Closed Type Credit Card Responsibility Individual Remarks Account closed by credit grantor Closed XX/XX/XXXX Minimum monthly payment XXXX XXXXOpenedXX/XX/XXXX ( 1 yr, 8 mos ) Payment History Youve made 70 % of payments for this account on time. 

XXXX Current Current 30-59 Days Late 60-89 Days Late 90-119 Days Late Current Current Current Current Current Current 30-59 Days Late XXXX Current Current Current Current Current 30-59 Days Late 60-89 Days Late Last paymentXX/XX/XXXXCurrent Payment StatusCurrentAmount past due $ XXXXWorst Payment StatusNo Info Account Details Account statusClosedTypeCharge AccountResponsibilityIndividualRemarksAccount closed by credit grantorTimes 30/60/90 days late3/2/1ClosedXX/XX/XXXX SEE AN ERROR? 

You could dispute an error with XXXX. 
GO TO XXXX Creditor Information XXXX/XXXX  XXXX XXXX XXXX. XXXX  XXXX XXXX, FL XXXX ( 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 explanation
Consumer complaint received 04/29/2016 about Credit reporting () with EQUIFAX, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On my Equifax credit report, there is a OPEN collections under the collection agency name XXXX. It is to XXXX in the amount of {$230.00}. I had already paid off this collection years ago and there is proof of it under a closed collection file name XXXX XXXX XXXX. It shows it is also XXXX, but in the amount of {$230.00}. I want Equifax to fix the errors so it doesnt show up unpaid on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Debt is in the amount of {$960.00} an was Disputed with all  XXXX  credit Bureau's..

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Bank account or service (Checking account) with M&T BANK CORPORATION (MD).
Issue: Deposits and withdrawals

Complaint: My mother had passed in 2009 and XXXX XXXX wrote checks against my estate account forging my name, removing approximately {$100000.00} from my estate account. M & T was aware of the fraud and the bank has refused to credit my account for the {$100000.00}. XXXX went to XXXX for a year, therefore I need your help in getting M & T to credit my present checking account for the $ XXXX.My signature was the only signature on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Mortgage (Other type of mortgage) with WELLS FARGO & COMPANY (IL).
Issue: Struggling to pay mortgage

Complaint: To whom it may concern at Wells Fargo, I am writing this letter to explain the series of unfortunate events that have caused me to fall behind on my mortgage. I am writing this letter to explain a few things in regards to my mortgage loan and why I feel should be reviewed for a Loan Modification. We feel a loan modification would benefit us due to the drastic change of our income. My husbands job closed down and I XXXX XXXX had to take an early retirement due to an infusion where I could not perform my usual duties. Weve also had a few unexpected expenses, such as dental bills totalling {$25000.00} combined. Weve also had problems with our basement flooding ; causing mold on the walls and thus we need a new roof. Also, plumbing was done as well and that was very expensive. On top of all of this happening, we had our other usual housing expenses. 
On XX/XX/XXXX I decided to submit a mortgage assistance package to my lender. On XX/XX/XXXX, I spoke with the re-entry department at Wells Fargo and they advised me they could not move forward for the review due to the sale date at that time set for XX/XX/XXXX. I had no other choice but to head to the court house in my county and see a judge in hopes of getting an adjounrment. On XX/XX/XXXX, the judge granted an extension and moved the sale date for XX/XX/XXXX. I re-sent another mortgage assitance packgae to my lender asgain since I had more time now. On XX/XX/XXXX, I was made aware again that my file was not being able to be reviewed for a loan modification. There are 3 reasons why I believe I should be able to be fully reviewed for a loan modification at this time. The last time I was fully reviewed for a modification was back on XX/XX/XXXX, which means theres already been more than a year of time since the last review. Second, I have had a recent change of income compared to the income I last had in XX/XX/XXXX. I now make less income than before. This is another reason why I should be able to be reviewed again. Also, I was advised on XX/XX/XXXX XXXX by XXXX in the re-entry group that the investor for my loan was XXXX XXXX and that I was not able to be reviewed, because I had reached my mod limit. Then on XX/XX/XXXX, I spoke with XXXX XXXX in the Customer Recovery group and again he advised me the investor for my loan was XXXX XXXX. I sent a request in writing asking for my investors name and information. On XX/XX/XXXX, I received the response for my request and I was advised in writing by Wells Fargo, that my investor was actually XXXX XXXX  NOT XXXX XXXX. Therefore, this is another reason why I should be reviewed again, because I was lied to and that kept me from re-applying for a loan modification and during that time I had a foreclosure sale date set for XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Reporting a charge off account. Never received any documentation stating I owed the amount and never gave me the opportunity to pay the account. Also, when sold the auto was told I had gap insurance and found out I was lied to later. Reporting charge off and wont provide documentation. Requested numerous times for original documentation confirming it was even my account. Called and left a message to discuss never got a returned call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/25/2015 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (VA).
Issue: Using a debit or ATM card

Complaint: My husband and I notified our Bank on XXXX XXXX, and XXXX that we had several unauthorized transactions resulting from a XXXX XXXX that we used rewards points to stay at. As a result of our stay with XXXX, we were supposed to be given diamond membership status and we were supposed to be given the best rate guarantee but neither were provided so we were double charged and overbilled. We contacted Suntrust to advise them of the issue ( s ) and we were provided with a dispute claim number. 

The representative did not take the details of the complaint correctly as it 's incorrectly notated that my husband is n't a Suntrust team member when he is a banker for their company. We provided the signed affidavit that stated that the transactions were unauthorized and selected the designated choice. Their affidavit is in violation of Regulation E by requiring us to provide documentation in order for them to consider our dispute. 

We were advised on XXXX, the day before we were to be provided with our provisional credit that our claimed had been denied because we told them that it fell under the wrong category for a dispute and that we had previously done business with this merchant. We have asked for documentation of their investigation, and they sent us a rebuttal form that is in direct violation of Reg E stating that we must provide sufficient proof of this transaction in order for them to investigate it. They did not investigate our claim and closed our claim to avoid providing us with the provisional credit. 

Please see the attached documentation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2015 about Credit reporting () with EQUIFAX, INC. (OK).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: someone stole my information and opened up an account with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I went to XXXX XXXX XXXX and requested my 3 free annual credit reports. XXXX and XXXX allowed me to see my 2 free annual credit reports, print them and save them in PDF format after asking me security questions that were easy for me to answer. 

My complaint is with Equifax. Their questions made no sense at all and I selected None Of The Above for all of the answers. Either they do not want me to get my free report online or they have some really bad information in their computers. I want the CFPB and Congress to require Equifax to make their online request process simpler and easier like XXXX and XXXX. I really wish our federal government would take over these three companies and secure the information on their computers because none of them can be trusted based on the fraud that has been committed against these companies over the years. At least with the federal government we could have the NSA computer programmers making our credit information secure from foreign governments and hackers.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2015 about Consumer Loan (Installment loan) with HYUNDAI CAPITAL AMERICA (NY).
Issue: Managing the loan or lease

Complaint: This is about Hyundai auto finance company ... .they got my cell number from who knows where ... ..I have NEVER had a loan or ANYTHING with them, but they keep callllllllling me at least three four times a day sometimes more ..., ... they call when im on conference call and when they do, my conference cll drops ... and I have to redial in ... ..Ive sent them email telling them to " cease and desist '' ... ..and they talk to me like im the one infringing on their time ... ..they do n't leave messages, just call and call and call ... .its annoying ... .Ill NEVER buy a car from these people based on their behavior ... ..Ive never had dealings with them, a loan, nothing!! I HAVE TO PICK AN OPTION BELOW TO GET THIS THROUGH, BUT IVE NEVER HAD A LOAN OR NOTHING WITH THESE FOLKS ... ..I want them to stop calling me and or anyone else they are harassing! when u ask them to stop they do n't. then u call them they act like YOURE stupid.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Debt collection (Medical) with Link Revenue Resources, LLC (IA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: First, this debt has been paid directly to the original creditor so this debt is invalid. Second, this company called me and my spouse using the number of an auto parts store in Minnesota. When answering, the lady was very rude, obscene and threatening.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2016 about Bank account or service (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Account opening, closing, or management

Complaint: Case # XXXX BOA still has not refunded my money. I spoke with them today and they promised the same thing as last time : " We will be sending you a check ''. 

I have been hearing this same verbiage for XXXX months now and still have no check. Please help me.

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 11-03-2015 about Debt collection (I do not know) with Navient Solutions, LLC. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Getting calls from a finance company for some kind of debt. It is a pre recorded message from someone called General Revenue Corporation with a reference # XXXX, I do n't owe anyone I pay my bills when they arrive. This has got to stop. Somehow they also have my cell number and I do n't give that number out

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Debt collection (Medical) with Receivable Recovery Services, LLC (SC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: The company is harrassing me concerning a debt that is on my credit file due to fraud. They told me that do not care about whether it is ID Theft they are not going to remove the debt from my credit.

Company response to consumer: Closed with explanation