milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/16/2016 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Customer service / Customer relations

Complaint: Before travelling to XXXX, I notified Chase of the upcoming travel. During the trip, I had transactions denied when trying to purchase my train ticket and the access to my account was suspended. The card has been fully paid each month, there are absolutely no debts of any kind. Because of that, during the trip I had no way to check my account for any suspicious activity. I XXXX to Chase and they were not helpful, asked me to call overseas. On XXXX XXXX, attempting to regain access to my account, I stayed on the phone with customer service for 20 minutes, had to verify my Social Security, Security Questions and also confirm a secret number sent to my mobile phone. I had to give enough information to even open a new account. Even after all that, my account was not reactivated. From XXXX XXXX to XXXX XXXX ( over 2 weeks ), I was left with no access to my account. Chase never contacted me to fix this. 
When complaining to Chase, I received even more disappointing service : - On XXXX XXXX, Chase informed my account was accessed from a unknown device. Of course, I notified I 'd be away and accessed the account from the place I notified I 'd be. This is not a valid excuse to suspend my account. I replied they had information that I 'd be in XXXX, so my account should not be suspended when accessed from XXXX. 
- On XXXX XXXX, I was accused of never including a travel notification, and that was the reason my account was suspended. I replied with the Travel Notification confirmation that I received. 
- On XXXX XXXX, Chase blamed Visa for denying the transaction and informed I 'd need to reprocess it. I tried at least twice. Again, Chase informed my device was accessed from a unknown device, even though I informed many times they had information I 'd be in XXXX, and I was trying to access my account from XXXX. Chase informed they wo n't offer any compensation, of any kind, for all these issues. 

These problems happened for a premium credit card that already charged me {$450.00} in annual fee.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Student loan (Federal student loan servicing) with NELNET, INC. (TN).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I enrolled at XXXX XXXX XXXX in XXXX, TN. Under the terms that I would attend school online and not in a classroom. I would also have assistance obtaining a job upon graduation. I started school, and never had a chance to take classes online. After starting I had to find a baby sister since the advisors never enrolled me in online classes. I also missed classes that I had to pay for due to me working during the day, and they had me scheduled for day classes. I was never able to obtain assistance in finding a job. I had to withdraw from school due to financial issues and finding a baby sitter for my small child. After getting the run around the school closed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have sent multiple letters to this company Diversified Consultants in order to verify a debt they alleged I owe in the amount of XXXX. I have yet to get any correspondence from them in over 30 days. This is affecting my credit and giving me financial distress. They have not verified the debt or validated it and by law if no correspondence to my request in over 30 days this alleged debt has to be deleted from my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: hi i have over  XXXX  hard inquires on my credit report i did not allow anyone to do this please help! I have a very good credit report besides the unknow inquires. Ive never had a late payment or a missed payment. This inquires have a major inpack on my credit 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 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PORTFOLIO RECOVERY ASSOCIATES INC (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: During the entire year of XXXX and XXXX I have made attempts to get this information removed from my credit reports. I 've sent letters to the credit bureaus as well as Portfolio Recovery to delete the inaccurate information from my credit reports. Portfolio Recovery has sent a letter back informing me that the debt is mine, they include copies of bills that were sent that have my name on them, however, this does not prove anything, this proves that that can take a bill and put my name on it and say it 's mine. They need to provide me with the actual contract agreement that I signed, I 've asked several times for this, however, they have not provided this to me. I 've also asked that the credit bureaus do the same and they just keep telling me that they have verified the debt with Portfolio Recovery, however, not providing me with information on how they are verifying the debt, such as the original contract. This is credit entry is ruining my credit and not allowing me to receive jobs because this is on my credit report. I hope that this can be resolved by Portfolio Recovery deleting this account from all of my credit bureau reports, which include XXXX and XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2018 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: In XX/XX/XXXX I entered into a contract with XXXX XXXX to settle several of my credit card debts, including one with Walmart. XXXX XXXX successfully settled this debt in XX/XX/XXXX. About two weeks ago this debt showed up as a collection on my credit report. When I contacted XXXX XXXX they confirmed it had been paid. They have been working to clear up the problem and said that the collection agency that reported it was XXXX XXXX XXXX. Today I received a phone call, not on my phone but on my sister 's phone ( my secondary phone number ) from someone saying they were from XXXX XXXX and they wanted the last four digits of my social security number for identification purposes. I would not give it to them. I told them this debt has already been paid, should never have been put in collections or on my credit report, and would be reported. They said if I would just give them my social security numbers they could help me. I refused and they hung up on 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 11-11-2015 about Mortgage (Conventional fixed mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (NJ).
Issue: Settlement process and costs

Complaint: To Whom it may concern, I am a victim of a predatory loan, ever since I try to refinance the morgage company is not returning my phone calls, I was going througth a financial hardship and this morgage company came with terms that was supposed be better for my mortgage, I was paying {$2700.00} a month then they offer me that if I refinance things will be better. Studently when the new morgage payment came it was for {$3700.00}, I call them and call them and they never got back to me, my loan was {$350000.00} XXXX and now in the statemens say I owe them {$580000.00} XXXX ( with all the fees they say I owe ) yesterday I saw they put the house to auction for ( {$780000.00} ) XXXX, I am trying to contact the lawyer that has my case ( lawyer that works for lender ) and they being avoiding me too. I guess this my last resource before I go to the news and release my statement. Please help, I went to my house and the bank send someone and took all my documents in the floor and guess but the only took the loan papers everything else it was there, I guess they not trying to incriminate themselves. If you go online you will find a lot people taking about this morgage company, what they did to me they have done to other people. Please help, do n't let this criminal get away. I decided to take this step because I believe in justice! And even if I have to go to Washington I will because I am not gon na let them take my house because they think people has no education.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2017 about Debt collection (Credit card) with DISCOVER BANK (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX day I was at a mortgage office to get help with a new home loan and after pulling my credit the loan officer said it was n't feasible to give me a loan because I had a judgment on my credit. I stated I have no knowledge of this. It has been reporting on my credit since 2011. I have once heard this before when I was buying a car but did n't pay any mind to this. So I know for sure now this has affected me and will keep affecting me I do n't look into this. I decided to do my research and contacted the law firm handling this judgment and after confirming some information for them such ad date of birth and social security it came back it was n't me who owns this judgment. They clearly stated they will send me a letting to clear me from this matter. I received the letter and it does state the persons name on it which is clearly not mind. How can I get this taken care of and go back 6 years of misery from this mistake? 
Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: To whom it may concern. I have been identified for another individual with the same name as me. I go by XXXX XXXX and I have been identified wrongfully and I am a victim of indentity theft. I have never signed any documents including student loans with Fed Loans Servicing oXXXX XXXX XXXX XXXX XXXX. I know for sure that my name is mixed up with another XXXX XXXX, I 've had problems with this before in elementary school and now. It is a frustrating situation to be indentified for accounts that I have never opened. I never attended any school. Please fix this problem. This is an ongoing problem and it needs to stop asap. All Fed Loan Servicing and XXXX XXXX XXXX XXXX are to be removed from my credit report. It was erased and placed back on my report and if it is n't removed for good I will have no patience or understanding and allow my lawyer to deal with you in a civil or federal court.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: On XX/XX/XXXX, I received an email from Experian saying that my credit score had dropped. I logged into my Experian account and after reviewing it carefully realized that the problem originated from a vehicle lease that I hold with XXXX XXXX XXXX. XXXX had changed their policies on how they determine each leaseholders credit with the effect of dropping my credit limit by {$15000.00} overnight. They did this because they want to show the lessee 's credit limit as the balance left on their lease. The problem with their strategy is that it effectively lowers the lessee 's credit score every time they make an on time payment on the lease. I have reached out to XXXX to no avail and have submitted a separate complaint through CFPB to them. 

However, I also tried to reach Experian repeatedly to notify them about the problem and ask them to get involved. I called their office on XX/XX/XXXX at XXXX XXXX   EST when their office hours showed they would be open but I was told by the automatic system that there was an hour wait. I called the next day when it first opened ( XX/XX/18 at XXXX XXXX ) and was told that there was a 5-7 minute wait. I waited for 46 minutes and no one ever answered the phone nor was their an option to leave a message or have a call back. I entered queries into their website but nothing happened and there is no live chat option. I am furious that I can't reach them in person and this policy punishes the consumer for making timely payments on their lease. what a sham!

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 04/17/2015 about Payday loan () with CNG FINANCIAL CORPORATION (TX).
Issue: Can't contact lender

Complaint: I am receiving calls at my job from a company named XXXX XXXX. They have been told my HR department that I am not allowed to receive personal calls at work through my work line, but the calls and voice messages continue. They told my HR department that they were calling on behalf of Check n Go

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Closing/Cancelling account

Complaint: I am trying to cancel my Amazon Prime Store Card issued by Synchrony Bank. I have {$0.00} balance. They will not cancel the card because I changed my phone number and they will not accept any other method to verify my identify.

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 03/14/2016 about Student loan (Federal student loan servicing) with Utah System of Higher Education (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Hello, one of my student loans was recently sold without any day of myself to a new organization UHEAA who then notified my via email that they would need me to log in providing all of my most sensitive information to an unknown company oh, but by the way they already had all of my pertinent bank information and with complete disregard to my pre scheduled payments at my previous loan company were billing me at their discretion ( and by Bill I mean removing the monthly balance that they determined from my bank out directly on a random date. ) The lack of consent needed by the loan recipient to have such sensitive information directly transfered to another company is appalling and I am sure that the sale of my loan is to help bundle with less desirable loans to provide a marketable product that investment funds can purchase, similar to the practices that lead to the housing crisis. The lack of oversight and attention to security of personal information is quite astounding and scares me. Is there no regulation of how this information is passed? In signing up for a student loan do we give up our privacy rights and the security of our financial information for the foreseeable future? I am appalled and I urge you as a regulatory body to intervene sooner rather than later because the implications of these fast and loose processes are frightening

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 05-11-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (MI).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: -Starting in  XXXX / XXXX / XXXX  I have a " Repayment Fee '' for {$1100.00}, also have that same " Repayment Fee '' for {$380.00} on  XXXX / XXXX / XXXX . When I called to ask about what these fees were the manager I talked to did n't know what they were

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Received a letter months after moving ... never heard from the original creditor which was a landlord ... I have written notice advising I was vacating premises at end of Lease

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Debt collection (Other debt) with SUNRISE CREDIT SERVICES, INC (OR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XXXX XXXX, 2016 I returned XXXX XXXX cell phone worth approximately {$650.00} by USPS with a tracking number : It clearly showed XXXX received the phone and even acknowledged receiving the phone yet they continued to say that i had not returned the phone. Then after repeated attempts to prove that i had returned the phone XXXX would not listen to me and said they were turninthe matter over to collections. Now XXXX has dramatically decreased my XXXX XXXX and has ruined my credit thereby increasing any item that I need to purchase by credit. Please immediately have them remove their false claim that I owe them for a phone that I already returned and restore my credit score. Please note that I also am filing compliant against XXXX with the FTC and the Consumer Financial Protection Bureau and the State of Oregon Attorney Generals office. When I called Oregon 's Attorney Generals Office they said that they have received numerous complaints against XXXX doing this very thing of taking peoples phones and then saying that the customer never returned it. Then they charge people for the returned phones. This has to stop. I informed the debt collector : XXXX XXXX XXXX XXXX XXXX XXXX of these facts and they continue to harass me. Please note that this not a legitimate debt and please remove it from my credit report. Thank you. Please see below the automated email that I received from the FCC compliant I filed earlier today and their case #. Hi XXXX, Thank you for your submission. Your request has been received and assigned Ticket No.  XXXX. Throughout the complaint process, you will receive periodic emails updating you about the status of your complaint. If you have information to add to your complaint, please respond directly to this email. You can view a list of frequently asked questions at : XXXX XXXX XXXXXXXX. Your submission provides the FCC with important information we can use to develop policies to protect consumers, remedy violations of the Communications Act, and encourage future compliance with the law. Thank you for your help in furthering the FCCs mission on behalf of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Debt collection (Federal student loan) with Van Ru Credit Corporation (NC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: The Van RU corporation failed to send me a notice and now there gurnishing my wage. I told them I could not afford to my living expenses nor pay my lease. I 'm about to become homeless and unemployed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/28/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Account was taken over by XXXX. Credit history showed account in good standing from XX/XX/XXXX through XX/XX/XXXX. In XX/XX/XXXX the account was reported to the credit bureaus as XXXX days late. No information was reported in XX/XX/XXXX, and account showed current in XX/XX/XXXX. It is impossible that there could be a delinquency of XXXX days in a month of XXXX days. There was a minor delinquency that was caused by a payment going to the old servicer instead of the new, but a forbearance was granted retroactive to the first day of the delinquency, which negates the delinquency. I have attempted to have the item removed but have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
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: Is reporting a late for XXXX account # ending in XXXX for XX/XX/XXXX Kindly remove this late as I had 30 day window to pay this bill from the due date of XX/XX/XXXX. Payment had to be received within the 30 day window from that date and was. 
Payment was made on XX/XX/XXXX only 24 days after bill date. All in accordance with FDCPA. 
Attached are bills and payments for this account. 
After this complaint XXXX and XXXX, XXXX, XXXX have updated a late to XX/XX/XXXX.
But in XX/XX/XXXX payments were on time. 
Thank you, XXXX XXXX S.S. # XXXX D.O.B. XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have contacted paypal numerous times to try and remove this fraudulent inquiry on my XXXX report,

Company response to consumer: Closed with explanation