milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-08-2016 about Credit card () with SYNCHRONY FINANCIAL (ME).
Issue: Credit line increase/decrease

Complaint: I recently submitted a complaint against Synchrony Bank on another XXXX of my credit cards. Unfortunately for me, Synchrony Bank is such a large institution that is attached to ALL of my credit cards, but XXXX. I have been paying on my accounts and have not been late. I have been trying to pay my credit cards to a zero balance. After I submitted a complaint with regard to a couple of my other cards, I most recently received ANOTHER statement from Synchrony with regard to my Walmart Credit Card. I recently owed approximately {$25.00} as a payment on my Walmart Card, my monthly amount due. I paid {$100.00} on my account, because I am trying to get it to a XXXX balance. After I submitted my complaint and payment, Synchrony Bank sent me the attached letter indicating that they were reducing my credit line amount. I recently check my credit reporting status and it is indicating that a portion of my poor credit status is based on the fact that that the amount of my credit lines are maxed out to the amount that I owe. I have been trying and trying to correct that, but each time I make a substantial payment or file a complaint with your agency, I am punished my Synchrony Bank with a lowering of my credit line. I am at a loss. Your agency has not helped me and Synchrony Bank, certainly has not. I thought you were established to protect the consumer. This has certainly not happened in my case. I have been trying my hardest, only to have Synchrony Bank, because they are much larger than me, hurt me, the consumer. I really wish your agency would do something about this! Thank you. As a post script, I DO have a few outstanding medical invoices being reported due to an accident. This accident claim has been settled and these should be removed from my credit shortly. Thank you for any help you can provide me. I am at a loss with Synchrony Bank and really am trying my hardest to increase my credit score. Each time I increase it a little, Synchrony Bank makes it decrease.

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 10/20/2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (MS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I want them to send me all documents with my Actual signature on it and to REMOVE FROM MY CREDIT! DO NOT RESEND THE SAME DOCUMENT!

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Checking or savings account (Other banking product or service) with WELLS FARGO & COMPANY (GA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Someone gained access to my bank account online by changing my password. According to the banks fraud department, they were able to change the online because they had my social security number and debit card number. Once they gained this access to my account, they changed my mobile phone number online and signed " me '' up for a peer to peer mobile payment app the bank offers. They attached this service to my savings account. They now controlled both ends of the transfer sending and receiving. They sent themselves {$1000.00} from my savings account. They then tried to change my statement preferences and email address but were unable to do so. When the money transfer went over, the online access was cut off by the fraud department being notified to the activity somehow. I have filed a fraud claim with the bank and it is still under investigation. I have changed all of my account numbers and debit card but am still considering leaving the bank and going straight cash consumer. I have also filed fraud ID alerts with all 3 of the credit reporting agencies and ID theft with the FTC and reported the incident to the best of my capability to the Social Security Administration of which I intend to follow up on to determine if a new SS # can be issued. I was informed on more that one occasions by more than one fraud agents that our ss # are our main identity identifiers ' in this country and there really is not any other in place so the reality is this will happen to me again and again in my life with my current ss #! I do not know what else to do, I feel so violated, angry and shafted by the system. It's like, we know and we are sorry- hope it doesn't happen again to you : - ) There has got to be a better way.

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 11-10-2015 about Consumer Loan (Vehicle loan) with CREDIT ACCEPTANCE CORPORATION (MI).
Issue: Managing the loan or lease

Complaint: It was Sunday XXXX XXXX. I received a call at XXXX XXXX from XXXX. 
It was from Credit Acceptance, the lien holder on my vehicle. I answered the call, but there was no response and then I was hung up on. I called immediately back, and was quickly connected to a representative. I was asked to verify my account, and I gave them my name, and my address, but then they asked for ANOTHER piece of information to verify ( for XXXX purposes ). I questioned this, because they originally called me, threby meaning they would have to do outbound XXXX requirements. 
They started to argue with me, and I never provided the additional information because I was mad, and because they started to argue with me about the process. While this was going on, the rep started to talk about the specifics of my loan, the fact that I was overdue, and that he needed to collect payment at that very moment because there is no grace period on the note. It states right inside the note that there is a 15 day grace period before it is considered late and collection proceedings are started. 
The thing that blows my mind about this is the fact that I had already sent out a payment automatically from my Bank account on Friday afternoon! It was removed from my checking account, and was waiting on Credit Acceptance to process it! However, they chose to have a representative Call me at XXXX on a SUNDAY morning as I was trying to drive to Church. Get your payment processors to work on Sunday while the banks are closed! 
I was incredibly offended by this nuisance, but more by the fact that the representative failed to properly verify my identity even by there own XXXX Controls! I am confident that I could call in again and not have my privacy protected adequately! This must stop because I am confident if this lack of regard for security happened to myself, a person whom has never missed a payment, I can only imagine it gets worse for those in collections, or those seeking to modify a loan. 
I would like my credit report to reflect that I had not missed any payments, and I would like the CFPB to investigate and redress my claim against this careless company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX Revolving charge account # XXXX When I ran into some financial difficulties and got behind on my payments for several months XX/XX/2012 I was contacted by XXXX XXXX and we entered into an arrangements for me to pay my balance in full within 3 or 4 months. I fulfilled that agreement which was paid in full by XX/XX/2012. They are indicating a charge off status ( C/O ) to this date on credit history which it never was as you can see it was paid in full. XXXX needs to correct this error and remove the charge off indicators and stop the continued reporting of a charge off that means they took a loss on this charge account which is not true and is damaging to my credit rating to this day.

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 04-11-2017 about Bank account or service (Checking account) with PNC Bank N.A. (VA).
Issue: Account opening, closing, or management

Complaint: RE : Unreasonable PNC Service fee charges This complaint is the {$2.00} service fee charge for monthly paper statements that PNC charged me even when I specified I wanted only online statements when I opened my account. When I opened a checking account with PNC, I told PNC that I wanted online statements to avoid the {$2.00} service fee. However, two months later, I found that I was charged a {$2.00} service fee for my 'spend ' account and another {$2.00} for my 'reserve ' account. I called up Customer Service and I was told that " that is the way the PNC system is set up : in the first month, the customer will always receive a paper statement and will be charged a {$2.00} service fee on the 'spend ' and 'reserve ' accounts. Why is PNC making me pay for its own inability to fix the system?! I already specified online and they still send a paper statement and then charge me! This is unreasonable and infuriating! And they are making a double killing because a 'spend ' account is tied to a 'reserve ' account and a 'growth ' or savings account. I did not even transfer any money from my 'spend ' account to my 'reserve ' account and I still got charged! 

Please look into this unreasonable and burdensome service charges! This system is so wrong!!!! PNC SHOULD BE FINED AND THE SERVICE CHARGES RETURNED TO CUSTOMERS! WE SHOULD NOT PAY FOR PNC 'S INEFFICIENCY AND INABILITY TO FIX ITS SYSTEM! 

Thank you, XXXX XXXX XXXX PNC client ( XXXX, VA )

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-01-2015 about Credit reporting () with Experian Information Solutions Inc. (NM).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Hi, I have a XXXX account # XXXX, which I have disputed with Experian for since XXXX XXXX, 2015. Please find attached the police report for your reference. Please note that this account resulted from identity theft and due to an error on the police report where this account was listed as a XXXX account instead of an Experian. This account never existed on my XXXX report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/27/2015 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (WA).
Issue: Settlement process and costs

Complaint: There was a huge rush at the end to prepare my documents and the HUD statement kept going back and forth because the Caliber Team XXXX XXXX XXXX XXXX could n't get it right. They finally said they got it right and I thought I had just had the most wonderful experience ever. 

I found several months later that they dropped for the final HUD the XXXX HOA fees that were part of the estimates and part of the first several HUD statements as we moved towards loan closure. In the back and forth Caliber obviously dropped the HOA fees, but when I started calling to find out why they HOA was past due and not paid the troubles started. 

Caliber Customer Service told me I had to call their own company and figure this out. They refused to. After that enraged me at such poor and troubling customer service, a manager finally said I will do this out of the goodness of my own heart. No that is n't a good message to deliver to a customer. So I tried calling the mortgage broker and left messages until I got XXXX team. Only to be told they did n't do anything wrong but they would look at this to see what they could do to help me! 

Again not the right type of message to give a customer. XXXX only made matters worse when she did return my call she went directly to : We provided everything in the HUD statement and you signed it. Not anything like we might have made a mistake, let 's find out. The arrogance and lack of humility has been in every statement from XXXX since. Calm down XXXX and do n't get upset ; you signed the HUD statement and if you did n't catch it then it was n't wrong. Not one word in her text or emails have been ; let 's see what might have happened. I have all of the original HUD Statements showing the fees covered, so what am I to think but Caliber made a mistake. To add the arrogance of not even indicating let us help to find if XXXX was made or not ; No Caliber is n't the type of company you want to work with.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Consumer Loan (Installment loan) with Avant Credit Corporation (OH).
Issue: Managing the loan or lease

Complaint: I have been paying on my loan of {$4500.00} with Avant monthly and on time every month, then I noticed that in almost XXXX years at {$150.00} per month the debt has only decreased by {$610.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (NY).
Issue: Managing the loan or lease

Complaint: I am hoping you can help me resolve what I feel is unfair reporting and unclear communication with a prior lender about an old account in default. 
This is in regards to my auto loan previously with XXXX finance which is now Ally Financial. I did voluntarily repo the car however they are currently not showing accurate pay history on my credit report and have not communicated when this will be removed due to the 7 year rule. From my understanding of the fair credit reporting act a creditor is supposed to remove and no longer report a negative item 7 years from the XXXX late payment or negative information is shown. 
The account number for this account is XXXXMy name is XXXX XXXXMy Social is XXXX. 

I have disputed with both the credit buros and sent a letter to XXXX. I received a form letter response but they did not answer my question regarding my pay history and when they would cease reporting this negative information on my credit report. 

I would like this removed as soon as possible and if they feel this is not yet supposed to be removed legally I am at least owed a very clear explanation of when it is scheduled to be removed. 

Ally 's address isAlly FinancialXXXX XXXX XXXX, MN XXXX have not found a working phone number to discuss this with their credit reporting department. 

Thanks you, XXXX XXXX ( cel )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/27/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (AL).
Issue: Account opening, closing, or management

Complaint: To whom it may concert, Wells Fargo has been mailing me information about an account that was fraudulently opened without my consent or knowledge. Based on the documents that were addressed to my seven-year old daughter in 2012, I feel certain in saying that she was a victim of fraudulently banking practices by Wells Fargo as well. I called Wells Fargo on Friday, XXXX XXXX and received a case number, a toll-free phone number, as well as the name of the individual my case is being " handled '' by. That information is : Case number : XXXX Phone number : XXXX XXXX Case Worker : XXXX XXXX ( work hours : Monday-Friday XXXX XXXX ) Per your request, I have the original documents regarding these issues and can fax, scan, or email, whichever is a preferred method. Thank you for allowing me to generally bring focus this matter and am looking forward to hearing from you. 

XXXX XXXX XXXX XXXXXXXXXXXX

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 11/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: XXXX Bank of America for no reason closed my account and did not send me any letters or communicated with me on why. 

I have been a client of theirs for over 10 years with multiple bank accounts and Merrill Lynch accounts with proven cash flow exceeding the $ millions. 

Despite that they cancelled my credit card with {$15000.00} in credit line. That is utterly unacceptable and I want this reopened.

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 10/30/2016 about Prepaid card (Gift or merchant card) with Blackhawk Network Holdings Inc. (CA).
Issue: Unauthorized transactions/trans. issues

Complaint: myprepaidcenter.com declined a transaction before the card expired. Stole the {$100.00} balance I had left.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/18/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: could not get reports

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (AR).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: I was trying to access my account using another app and I was restricted.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2015 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Credit monitoring or identity protection
Sub-issue: Receiving unwanted marketing/advertising

Complaint: The website : XXXX used by the credit bureaus for marketing only allows for electronic opt-out for 5 years and a consumer must print out and mail in a form to permanently opt-out. This is ridiculous. 
A consumer should be able to permanently opt-out of marketing online, the same as you can for 5 years. Why do they even offer 5 years opt-out? It 's a scam by the credit bureaus to keep people from permanently opting out by making it more difficult and having to mail in a form. 
I do not have access to a printer at home and this is a hardship on plenty of other consumers, I am sure. 
Thank you, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Closing/Cancelling account

Complaint: I XXXX XXXX try to use my debit card at Bank of America in XXXX on XXXX XXXX XXXX XX/XX/2017. But did not work. I tried it again and it still did n't work. So I went inside to talk to the teller and asked her to check my card and she said your card was reported stolen and we haved mailed you another one. The teller asked me my address and she said the card was mailed to a different address that you are giving me. The teller said you do n't live at XXXX XXXX XXXX XXXX XXXX. No I live at XXXX XXXX XXXX and I never reported my card. My sister XXXX lives on XXXX. To find out she try to transfers my money on a new card and open me a savings account. so she did this without my approveal. She did it on the XXXX of XXXX and I do n't get paid til the XXXX So I got charged over drafts like XXXX dollars for not having funds in my account. And she changed my preference and changed my address to hers and had my statements to be mailed to her house so I never received my over drafts letters. or has she told me that she has my new Debi card. And they charged me for a new card. I never ordered. I have talked to someone at the bank but nothing was accomplished. So now I have to get a temporary card. Plus my bills went to over draft because my debit card I always used was reported. XXXX was using my girlfriends email address to get information. XXXX XXXX phone number is 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 05/28/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I have requested PMI cancellation. The eatablished value of home is over XXXX. Current amount owed on home is around XXXX. BofA claims they can not cancel PMI yet loan is current. The payment history is a bogus claim by BofA to extend PMI payments longer than requested. The laws do not permit or support this claim.

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 09/19/2015 about Credit card () with CITIBANK, N.A. (TX).
Issue: Customer service / Customer relations

Complaint: I have had a Macy 's credit card account for several years. I keep a XXXX balance and then in XX/XX/XXXX - Macy 's decided to close my account without my knowledge. When I went to use my Macy 's card in XX/XX/XXXX - Macy 's decided to open a NEW credit account without my permission or knowledge instead of reinstating my existing credit line account. After SEVERAL attempts via telephone and email with Macy 's - I still do not have access to my credit card account online. I do not have the ability to see my account information, understand my consumer rights or pay my bill. Macy 's continues to show my old account information ( which they closed ) but will not allow me access online to add or view my new credit account information. I have written to Macy 's, called them, waited for them to call me back, and still have no access or resolution to access my credit account. That is the reason I am now writing to the CFPB to file a formal consumer credit complaint against Macy 's.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief