milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/20/2016 about Credit card () with JPMORGAN CHASE & CO. (AZ).
Issue: Customer service / Customer relations

Complaint: I am user of chase freedom credit card. However, Chase put my account under security review for no reason. Worse still, when I called the customer service, I got transferred to different departments and being asked same personal questions over and over. They keep promising me I would receive a phone call within 24 to 48 hours. However,5 days has past and I got nothing. I volunteer to call chase yesterday and talked to a representative, answering all the security questions. Finally, she told me my account is clear and available to use again. Today, I called the customer service and was told that the account is under security review again. XXXX Everyone 's time is valuable. Chase is inefficient and chaotic, which waists my time.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (CA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: I answered my phone, was asked my name and then read off my address to verify. It is illegal for a company to give out personal information like that, they are required to have my verify the information.

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 05/13/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: Trying to purchase a home, XXXX and XXXX creedit score in in the XXXX range. However, Equifax rating is in the XXXX range. I tried to reach Equifax and felt uncomfortable providing my Social Security over the phone. I reviewed the CFPB article on building and keeping good credit and I do not see anything in Equifax cedit report that would explain the low score. This is my basic complaint. Will you help please.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Debt collection (I do not know) with Weltman, Weinberg & Reis Co., L.P.A. (PA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: This Weltman Weinberg & Reis Co LPA ( collection agency ) keeps calling my employer work. This is happening every morning from number XXXX. Please stop harassing me at work. I do n't owe anything.. If I do please mail me information pertaining to these unsolicited calls.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: For the past year and a half, Kohl 's reported my information improperly and noted my social security number incorrectly with  XXXX . This caused an undue hardship and numerous denials because the social security number was listed incorrectly by Kohl 's. Upon getting this corrected and later discloswed by the   XXXX    representative, after a year and a half of problems, I am now able to get into my credit report. The matter was resolved in a payoff and has caused irreparable harm. I ask that Kohl 's remove this matter in order to avoid further injury.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Debt collection (Other debt) with Hunter Warfield, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Did not even know about the debt initially until I was applying for a credit card and it came on the report. The debt was an invalid debt from the apartment complex and I was speaking with them when my lease ended in XX/XX/XXXX to settle it. 

Once I found out about the debt, the address that was shown on my credit report was not the address their office was located for any resolution letters to be sent so there was no way to contact them by certified mail. I did more research on the company and found out they have a different address that is not listed on the collection reports and it was the correct address. I requested them to validate the debt around XX/XX/XXXX, which they agreed to not report the debt for the period of time they were validating it because they needed more than the 30 days in order to do that ( it never stopped reporting on any of my reports during that time frame ). When they validated the debt all they provided was the receipt for the apartment complex that used to own the center I was residing at ( which that company is n't even there anymore ). The amount that they stated was owed was approximately {$260.00}, but for some reason the collection amount they said I owed was {$290.00} which was invalid. 

After I received all the information and discussed with them how everything was invalid they still continued to report the invalid information. 

XX/XX/XXXX I contacted my attorney to communicate with them in order to get this issue resolved and the invalid account removed. They resolved the debt, but the account is still reporting negatively and inaccurate information.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with National Credit Systems,Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I first disputed with National Credit System in XXXX of this year. I later disputed with the company again with a follow up letter from the previous. In this letter I stated to this company that they had broken the law because according to FDCPA 807 ( 8 ). The law states that the agency is required to contact the credit bureaus and make sure to add a sentence to my credit report within 30 days that says I have disputed the item. This federal law has been broken and this item should be removed IMMEDIATELY. National Credit Systems never responded back to this dispute and I have the signed signature that the company signs when they received it in the mail. This was my 2nd choice for the company to cooperate and next step will be small claims court if company continues to report this item fraudently on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2015 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I checking my credit report There is collection agency reporting information that is not mine I am retired and have XXXX and XXXX and all my medical bills are paid 100 % I have received no correspondence from this collection agency whats so ever

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with CAPITAL ONE FINANCIAL CORPORATION (LA).
Issue: Struggling to pay mortgage

Complaint: Dear XXXX, This has been a very stressful Situation. Please help us. I have paid all my financial obligations on time for over 32 years. I have been a client of XXXX XXXX XXXX since XX/XX/XXXX although it was under name, XXXX XXXX and then XXXX XXXX XXXX. 

I have a HELOC which matured XX/XX/XXXX. Approximately {$120000.00} owed on HELOC. 

I also have my First Mortgage with XXXX XXXX XXXX which is approximately {$170000.00}. 

My wife and I wanted to pay our Mortgage payments but we have been going through Loan Modification since XX/XX/XXXX and were told by Capital One we could not make any Mortgage Payments. 

There are at least 3 horrible outcomes from this time consuming and frustrating Loan Modification Process. 

1. Credit ruined causing us to loose Most of our credit availability including a {$450000.00} Line of credit used to Operate our business. 

2. Nothing has been accomplished in This Loan Modification! 

3. Our loan has been sold to A Loan Servicing company called XXXX Who still has no record of our Account details. 

We have spoken to over a dozen representatives of Capital One both at the branch Level, the loan Modification Department, and the Loan Origination Department. All requested documents have been submitted to Capital One and their respective departments requesting documents. 

If there are any questions as we are sure there will be on your behalf, please call immediately at XXXX or XXXX. 

Sincerely XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX La XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: After XXXX  breach, XXXX  gave me a XXXX account with a website address that is " not found '' and contact phone numbers which are not reachable. I continue to receive " alerts '' as to changes ( probably credit applications ) on my credit report which I can not view in order to do anything about. Further, my DOB is wrong and when I recently applied for credit, was told that my identity can not be confirmed. I have repeatedly tried by written and phone communications to get the incorrect information off of my report by all 3 credit reporting bureaus ( XXXX, Transunion and XXXX ) but never receive a reply or can receive proper and helpful assistance from customer service representatives by phone, etc. I have opted out of receiving credit offers by mail and my opt out has also not been respected which means I continue receiving these offers to my home address via unsolicited US Post Office mail.

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 non-monetary relief
Consumer complaint received 11/20/2017 about Payday loan, title loan, or personal loan (Title loan) with 1st Money Center, Inc. (TX).
Issue: Can't contact lender or servicer

Complaint: I have been trying to contact this company since XXXX 2017. I have two title loans with this company and I was making monthly payments on my account. I have not been able to get in contact with anyone so I can make payments on my loans and get my titles back. They currently have liens on my titles. I need a release of lien for this company so I can get my titles back. I have researched online and it says the company is closed. I have called every number listed for them no answer. I have emailed and my emails are returned undelivered. here is there NMLS # XXXX. Please help I just need to know who is taking over there loans or who I need to talk to so I can get my titles back

Company response to consumer: Untimely response
Consumer complaint received 12-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ResidentCollect, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: i have a debt with resident collect that is a valid debt but wrong dollar amount. I have called over phone and they verify the correct amount but they are refusing to send report with the correct balance to XXXX and XXXX. Experian already has it updated because they called Resident Collect and received it verbally. A epresentative of Resident collect by the name of XXXX has been very rude and straight to point by indicating pay the updated amount and we will send info over to say debt is clear however when I ask why they will not send correct amount over he also stated that " he will not give me what I want until I send them what He wants ''. He knows that I am seeking employment and the company only verifies through XXXX. I have a letter from resident collect that I am enclosing that has Acct #, Creditor that appears on all my credit reports but the letter has the updated amount while my credit reports still have the wrong amount. This has been ongoing for XXXX months. I file a dispute with credit bureau and Resident Collect keeps closing it by saying the higher amount is correct. As you can see by the letter from collection company it was updated in XXXX. On XXXX XXXX I filed a dispute with XXXX and they ( Resident Collect ) denied it and then i did one again and it was denied.They are saying that they do not report it to credit agency but the agent clearly told me to pay it and he would update my report. I have asked for Supervisor 's and he advised me he was it. I asked for the email of XXXX XXXX who is President of company and they said they would not release it to me. I even spoke with XXXX XXXX who is the director of company and he said that he ca n't help me. He says it is up to the credit bureau to update and he sees that they have updated the information so if they havent updated report its own them. When the Credit Bureau is called they keep saying it was denied and I was even advised by XXXX that the collection agency can call it in over the appropriate phone # that they have and it will be corrected but again agency is throwing the ball in the Credit Bureau 's direction this was also told to me from XXXX s well about the phone #. I am enclosing the letter from Resident Collect as well as the letter on company letterhead from the Creditor stating the dollar amount has been changed. The debt is one I owe but the amount is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (PA).
Issue: Struggling to pay mortgage

Complaint: ON XX/XX/XXXX MY WIFE AND I SUBMITTED A REQUEST, TO SELECT PORTFOLIO SERVICING COMP.FOR " HARDSHIP '' " MODIFICATION '' AS EXPRESSED IN THE ATTACHED LETTER BELOW " HOME UNDER WATER '' APROX. {$110000.00} ... ALSO MORTGAGE RATE IS LOCKED FIX RATE FOR 9.5 % ... .ALSO " SCHOOL TAXES '' APROX. {$7500.00} A YEAR OUT OF OUR POCKET PLUS LOCAL TAXES, PLUS COMMUNITY DUES OF {$800.00} A YEAR PLUS HOME INSURANCE, OUT OF POCKET, HOME APPRAISED VALUE IS {$130000.00} BALANCE OWED IS APROX. {$250000.00} ... ... HUSBAND IS RETIRED ON FIX INCOME ALSO WIFE WILL RETIRE IN APROX. 6 MONTHS ... LIVED IN HOME SINCE YEAR XX/XX/XXXX ... ... .GOT EQUITY LOAN NINE YEARS AGO ... ONE TIME BALANCE OF MORTGAGE NEVER GO DOWN FROM PAYMENTS  OVER THE YEARS ... TO KEEP THIS HOME WE ARE REQUESTING LENDER TO INCLUDE TAXES IN PAYMENT AND INSURANCE ... REQUESTING MONTHLY PAYMENTS TO GO FROM {$2200.00} ... ... TO PAYMENTS OF {$1600.00} ... .PER MONTH WITH TAXES AND INSURANCE INCLUDED IN MORTGAGE PAYMENTS

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft fraud. Police Report Number : XXXX. It was filed at XXXX Police Department on XXXX/XXXX/XXXX. Complaint with the XXXX XXXX XXXX XXXX and PXXXX XXXX XXXX XXXX XXXX file number XXXX on XXXX/XXXX/XXXX. Online Complaint confirmation code is : # XXXX. 

Please place a credit freeze on all my credit reports on all credit bureaus : Experian, XXXX, XXXX and XXXX. 

Please remove all hard inquiries from XXXX/XXXX/XXXX until XXXX/XXXX/XXXX on all my credit reports on all credit bureaus : Experian, XXXX, XXXX and XXXX. 

Thank you, 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 06/23/2017 about Debt collection (Payday loan debt) with 2288984 Ontario Inc. (TX).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: Money Key has contacted my family and employer. This is completely inappropriate and I have already told them in writing that they are not authorized to contact anybody other than myself about my business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2016 about Debt collection (Medical) with Kansas Counselors of Kansas City, Inc. (SC).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: Debt is not valid. At time of services we had 100 % coverage for medical. I called the office and they admitted to filing under wrong XXXX and stated they would confirm with XXXX and remove the debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have a consolidated loan from Navient. The loan was consolidated in XXXX. The Principal amount was {$71000.00}. We did accept a " Graduated '' repayment in XXXX. During the 18 years of repayment, we have paid {$100000.00} in payments. 18 years later, the principal balance is {$61000.00}. Thus, {$100000.00} has reduced the principal by only {$9000.00}. We were NEVER told this could happen and NOTHING in any literature ever indicated this was possible. Moreover, it should have ended in XXXX but they keep extending the " Graduated  '' payments, claiming we called and asked for extensions. It is false.
<P/>
I only discovered this outrageous scam because I received a negative credit report that showed 90+ delinquency in a student loan payment fromXX/XX/XXXX. Even though we have made payments for 18 years ( that 's about 216 payments ) and have never been late, and even though our credit report shows over 4000 payments - - not one is reported as late - - Navient claims they emailed us 3 times asking us to read a delinquency letter on their website. We never got a single email or a single letter. We have not used the email address they claim to have sent it to in over 15 years. It still may be active, but we would never have seen that email. Proof? in over 4000 credit reports, including over 200 for Navient, we have never once been late with a payment.
<P/>
Clearly, Navient made a mistake. We asked it to fix the report, and they refused. So, while they have set up a system that no human would EVER agreed to ( pay {$100000.00} over 18 years for a {$70000.00} loan, and a {$9000.00} principal reduction ), and which was never disclosed, they continue to destroy my credit.
<P/>
please help!

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Good Morning, Not too long ago, I obtained a copy of my Credit report and was shocked to find a credit inquiry by from the following companies ( transunion, XXXX and XXXX )  listed below and that I do not recall authorizing. I understand that you should not be allowed to put an inquiry on my file unless I have authorized it beforehand. Please have this inquiry removed from my credit file because I believe I did not authorize this inquiry. I have reached out to each company several times with certified mail, phone calls and faxes and no responses. This is hindering me daily with fixing my credit for not only for myself but to also become a homeowner in the near future. 

Under the Fair Credit Reporting Act, your action constitutes a violation on my rights, which is illegal and causing severe damage to my credit rating. 

I would appreciate your immediate attention to this matter. Kindly forward me documentation that you have had the inquiry removed. 

Otherwise, please send me proof of such authorization, if you find that I am confused, and you did have my authorization to inquire into my credit report. 


Transunion & XXXX that should be removed did not authorize XXXX/XXXX Inquiry from XX/XX/XXXX & XX/XX/XXXX  XXXX/XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX- Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX that should be removed did not authorize XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from 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 09/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IA).
Issue: Problem with fraud alerts or security freezes

Complaint: In light of the recent data breach with Equifax, I have been attempting to initiate a security freeze with Equifax. After several attempts on their website, I keep getting directed to a page that involves only removing a security freeze. I do n't have a current security freeze with Equifax. I have never made a payment or received a PIN for that purpose. 
There is no way to speak with a customer service agent about this. An error message pops up when clicking on a link to speak with customer service representative. 
I have been able to place a security freeze with the other credit reporting agencies, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2015 about Debt collection (I do not know) with National Enterprise Systems, Inc. (NJ).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I continued to receive collection notice from NES National Enterprise Systems and XXXX regarding owe XXXX Bank and XXXX XXXX XXXX XXXX XXXX. The XXXX Bank Account was close with me not oweing them any money ( NES National Enterprise XXXX and XXXX ( XXXX XXXX XXXX XXXX XXXX I never hear of them nor be to their Office. Please investigate these agency and ensure they are legal company and running their business according to United States Federal Regulations.

Company response to consumer: Closed with explanation