milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-11-2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I was supposed to be a co-signer for a Care Credit at a XXXX office, multiple times while the application was filled out and my signature was obtained both the main individual and myself were constantly told I was just the co-signer. About 2 months passed and neither the main individual nor I received anything from Care Credit, recently when I began to receive a bill that said the account was overdue. I spoke to the main owner of the account and he told me he had not recieved any bills yet. I personally went to the XXXX office and their employee told me that the main owner of the account didnt qualify with a co-signer so they decided to open the account solely in my name. I brought it to the XXXX employees attention that at all points through the process we were informed I was just a co-signer. Her response that it was too bad that there was nothing they could do to fix it. I told her if need be I would seek legal assistance because my signature was obtained through misrepresentation. The XXXX office employees response was that I should do what I had to. 

When the individual that was to be the main on the account went to the XXXX office and asked what they did as XXXX ( me ) was supposed to be a co-signer and they kept saying the account was being opened with a co-signer. The XXXX office employee repeatedly apologized and said they made a mistake. We continue to try and speak with the XXXX office about resolving this and their less than useful employees that created this mess have taken to saying too bad or ignoring calls from the main individual. Further when the main attempts to call from another number, as soon as they know it is him, they hang up on him. He has not been able to speak to a supervisor or anyone at that office now. 

I have reached out to Care Credit to attempt and resolve this as I would not have agreed to be the sole owner on this account. After speaking to multiple Care Credit employees and telling them if need be I would file a complaint I was told to go ahead and file a complaint that they had no idea what the XXXX   office did and they could not help. 

This is extremely stressful as neither the main not I know. Care Credit has XXXX offices providing misleading information and obtaining agreements through fraud and misrepresentation. Further, after speaking to their multiple call lines they do not work with resolving issues created by XXXX  offices desperate to open accounts for them.

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 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XX/XX/XXXXof 2017 a XXXX XXXXXXXX XXXX I cosigner for was totaled. After insurance paid there portion XXXX XXXX still had a XXXX balance. But she this car was purchased directly from.XXXX we also purchased gap insurance. Which covers the difference between what is owed and what insurance paid for. XXXXXXXX XXXX has reported this account 120 delinquent and has now labeled it as a collection account and a chargenoff for there company which is highly inaaccurate.

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 04-02-2017 about Credit card () with CITIBANK, N.A. (MA).
Issue: Billing disputes

Complaint: i have a sears master card which i have not used in many years recd a invoice with a XXXX XXXX dollar charged for phone services fir an inmate in al. told sears the whole story also told them account was breached or hacked close it and i never use it got a letter saying i dont have to pay the min balance due really im in mass. not Alabama still have not closed my account i wanted to know if this was a breach and my info was stolen still have not heared people should know of this if it was a breach

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 09/15/2017 about Debt collection (Private student loan debt) with Navient Solutions, LLC. (WA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Navient is reporting one private student loan to the three credit bureaus as a " charge off '' with a balance and an amount past due when it can not report this way. Furthermore, they have attempted to have three different collection agencies collect from me even after repeated written requests to Navient and each agency ( XXXX, XXXX, and XXXX ) for debt validation. None of the companies have provided debt validation or accurate reporting of supposed debt and yet Navient continues to attempt collection and report the debt. I am requesting a full deletion of this account from all three credit bureaus for the aforementioned reasons. I am requesting that they cease any and all communications or attempts at collecting a debt that has not been properly validated or reported.
Furthermore, there are two other private student loans that they report as joint with XXXX XXXX. They are reporting these inaccurately and have also failed to provide debt validation or accurate reporting of supposed debt. I am requesting that they cease any and all communications or attempts at collecting these debts that have not been properly validated or reported. I am requesting a full deletion of both of these accounts from all three credit bureaus for the aforementioned reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: on XXXX 2011 Wells Fargo XXXX me out of XXXX when they opened up an account in me and my husbands name. 

We fought hard, but they would not budge. Me and my husband live paycheck to paycheck so that hurt. Ended up borrowing money because of this. 

Now I found out they did this to other customers, not just me and my husband. I see it all over the news We ended up leaving Wells Fargo because of this. 

We were out XXXX because of there employees XXXX XXXX. Then my account ends up being frozen. It was a mess. 

I can not stand Wells Fargo what they did to us.

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 05/27/2015 about Mortgage (Other mortgage) with FISHER FINANCIAL GROUP, INCORPORATED (CA).
Issue: Application, originator, mortgage broker

Complaint: I applied for a refinance of my home mortgage with XXXX XXXX XXXX ( company based in Arizona ). I started this process in XXXX of 2014. To date, they have failed to complete the transaction. There have been multiple issues along the way. First, I was told that I would be able to combine my XXXX and XXXX mortgage at a rate of 4 %. After being told that, I started the application process. Shortly after that, I was told the combined loan was not available because I have made a withdrawal from my Home Equity Line of Credit ( HELOC ) in the last year. I had disclosed that fact prior to this time and I was told that an exception would be made because the overall balance on the line of credit had decreased over time ( in other words, I had paid back more on the line that I had taken out ). Even still, I was denied the original offer ( made by XXXX XXXX ). We then proceeded to refinance my primary loan to a rate of 4 %. During this process, there were delays on the part of XXXX XXXX XXXX. They failed to clear their own XXXX XXXX in a timely fashion that resulted in the appraisal of the subject property to expire. By that time, the lender in question had rescinded their offer of 4 %. Instead, a rate of 4.25 % was offered. I was then told that a second lender ( XXXX XXXX ) had offered to refinance the primary loan at 4 %. The process was started again, with a XXXX appraisal. As of today, I was told that upon final review before closing that 4 % was no longer available. Again, I was offered 4.25 %. 

The whole process seems fraudulent to me. A way to delay the process such that loans with best rates are delayed so that they are cleared to close only when rates go up. How can a company take 7 month to process a loan?

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 03/23/2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: i submitted a payment on XXXX XXXX 2015 for my sons mortgage payment as i do every month and it popped up that i had to pay speed pay cause 10 or more days thats what you have to do his payment is due on the XXXX so i did. then on the XXXX i had a payment go threw my bank and they told me it was denied which it should n't have been so i went on line to my bank and so that my sons mortgage place took XXXX payments out XXXX on the XXXX and XXXX on the XXXX so i called the number for company and told the gentleman by the name of agent # XXXX his name XXXX he told me he could see that i was charged and would have them reinburse me and took down the information and said i would also get back the XXXX dollars i was charged for me to hold on till he put the information in and said it would take XXXX to 6 days i explained to him it had to be as soon as possible or my bills would bounce they can take in XXXX they should put back in XXXX he said he had it ready for approval and would put rush on it. i gave them till the XXXX and called and got a XXXX and she said she would have someone contact me. i called on the XXXX and got XXXX agent # XXXX and she would not let me speak with a manager and hung up on me. I called again on the after she hung up on me and got her again and she finally after a few words connected me to a supervisor named XXXX agentXXXX i spoke with her and explained the sittuation and she looked up and said she saw XXXX had put payment in to be reversed and then asked me to send her my bank statement showing they took the XXXX payments and she would get back to me on monday the XXXX and took my number and i did not hear from her by XXXX so i called and got XXXX agent XXXX and had a fight with her over speaking to supervisor XXXX and refused to let me speak to her and said someone would get back with me in 24 to 48 hours so i went to my bank to see if they could help get my money back cause they are giving me a run around and looks like they are not going to return me my money and the heck with my bills we are not talking a few dollars but XXXX this is the worse experience i have ever had in my XXXX years of life dealing with any company so i can only hope my bank can help me out and someone should do something with this company to be able to take what they want from a persons bank and then not want to give it back. the name of the company is ocwen loan service mtg and the number I have is XXXX and punch number XXXX or god knows where you will wind up

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2015 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (NM).
Issue: Other

Complaint: In the past couple of years I 've tried to obtain a credit card through my bank, USAA in XXXX XXXX, and have had auto insurance there since serving XXXX in the military during the early XXXX. I 've had XXXX secured loans in recent years with USAA and paid them both off on time, never late. The bank has denied me a credit card XXXX in the past two or three years, the last time only recently. Also it denied another secured loan, even though at the same time my bank in XXXX not only offered an unsecured loan of {$10000.00}, but also granted a credit card now with a {$6000.00} limit. This is all within the past two or three years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Problem with fraud alerts or security freezes

Complaint: Hello, I am writing this to hopefully receive assistance in placing a credit freeze on my credit. 
I have attempted to use the online and telephone services that are provided by the three credit bureaus, however, I am finding that it is becoming more and more frustrating to protect my own credit history because they are being deceptive. My only option left is to gather all the required papers and mail them to each individual bureau and pay them {$30.00} ( {$5.00} ea. for me and my significant other ) plus shipping to fix their mistake that they made when they allowed all of our credit histories and information to be hacked. 

On top of this, because my stolen information has n't been used against me yet, I am unable to file a report with the law enforcement agency in my area. So I am stuck paying to fix their mistake. And to add to this grief, in the future when I plan to request a business loan and a mortgage after that, I will have to pay out of my pocket to temporarily lift the credit freeze. 

And as each day goes by after this hack, the credit bureaus are updating their websites to make it harder to freeze your credit and easier to pay for their credit monitoring services. I do not want to pay for a credit monitoring service from a credit bureau that has already lost 100 % of my trust. I just want to freeze my credit, plain and simple. Why is that so much to ask for? 

I will also be living in a constant state of worry as to where my information has gone and how it can be used against me. 

This is not okay. And I believe a large majority of Americans who fully understand the gravity of this situation would agree with me in that there has to be some change implemented to alleviate the burden off of American victims. As well as to make sure that the companies that are to blame for this are held responsible for their wrongdoings. 

Why am I, the consumer and the victim, placed with the short end of the stick in every aspect of this situation? And how can I even trust that this will not continue to happen in other aspects of my financial life? 

Thank you for taking the time to read my situation, I sincerely hope that you can help me and every other person that is affected by this. 

PS : I have also attached screenshots below that prove that Transunion changed their web page after the hacking news was brought to light on XX/XX/2017. They changed their website to make it more difficult for people to freeze their credit, and they made it easier to pay for their credit monitoring services instead.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am getting frequent calls from multiple numbers on my cell phone from Portfolio Recovery Associates. I have NO unpaid debts, I have never received any mail or email from this company regarding any outstanding debt. I have blocked multiple numbers and they just call using a different number.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (IN).
Issue: Application, originator, mortgage broker

Complaint: A lot of breaks and defects in the chain of title. Subordination of Mortgage dated XXXX Document # XXXX : Waived priority to XXXX XXXX Mortgage XXXX as evidenced in documents. According to XXXX XXXX Mortgage, the mortgage is a XXXX mortgage : When I put in The MIN # XXXX, it directs me to XXXX. I put my name and Social Security Number in the boxes to submit to investor which directs me to XXXX as investor. XXXX XXXX, XXXX Verification of debt for home equity account is JPM Chase. XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX, I requested PROOF OF OWNERSHIP REQUEST documentation. Specific information is in the listings As of this date, none of these request for information have been. I do know what is listed in XXXX XXXX Records namely the above waiver and the XXXX XXXX Mortgage with XXXX A XXXX document # XXXX is evidenced XXXX as present legal owner. A list of statements have been sent to address this issue. Chase claims to be investor and owner of document XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I went through and completed a student loan rehabilitation program in XX/XX/2013 after being defaulted for all my student loans. Per the regulations of the US Department of Education, after a XXXX rehabilitation program, all my student loans are restored to good status, and it is currently are all in good standing since XX/XX/2013. It 's been over 4 years, but XXXX ( XXXX aka XXXX, XXXX, XXXX, XXXX ), did not fully restore my status to current as stated by the regulations. Therefore, due to their negligence it showed that I have serious deliquency status, although, I 've since consolidated all the loans together, and is currently in good standing with the all the loans according to the National Student Loan Database, a service of the Department of Education. I 've shared this information with all XXXX credit bureaus and provided documentations, and they refused to remove the deliquency status per the regulation. This is causing tremendous hardship and negatively affects my financial records in this negligent case, even though I 've tried in the last 4 years to get it removed. I am unable to obtain a mortgage, and refinance my current car due to this lack of action from the credit bureaus and the student loan servicers. Please help!!! Thank you.

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 04-09-2015 about Mortgage (FHA mortgage) with LoanCare, LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I had sent payment to XXXX Mortgage in XXXX as I normally do and my payment was not applied to my loan!! LoanCare ( debt collectors for XXXX Mortgage ) have been contacted on NUMEROUS occasions and nothing is being done to rectify the situation. I have also sent a copy of the cancelled check to various dept 's within LoanCare and everyone seems to be clueless as to what is occurring. My FHA loan has been in default for the last two months and I am very frustrated with this Mortgage Company. On or around XXXX XXXX I again sent a copy of my cancelled check and I received notification from their Mortgage Company Resolution Dept stating this matter is important and will be dealt with accordingly. Nothing had been done. I finally went to XXXX XXXX XXXX Office ( XXXX in VA ) to seek help. I was welcomed by XXXX XXXX XXXX and she was appalled at the service provided by LoanCare. We were on the phone for approximately 2 hrs and nothing had gotten accomplished! Every rep we spoke with had given us misguided information which worsened my nightmare. I am receiving notification that my house is going to be foreclosed on and my mortgage payments are CURRENT. Late fees have incurred and my credit is now tarnished! U ca n't imagine the stress and aggravation I am enduring. I have been directed to file a complaint with CFPB because this matter needs attention due to the severity of the actions from LoanCare. I sent them my payment, they CASHED the check but wont apply it to my mortgage!!!!! My credit has been tarnished due to their negligence and they must be held accountable. To add insult to injury when I left my Congressman 's Office I contacted the Mortgage Resolution Dept to find out the status of my complaint. U would not believe the response that I received. I was told that they received my complaint accompanied by the canceled check but the fax was misplaced. WHAT!!!!!! I was told to send in another copy of the canceled check so the complaint can be reviewed. The " Notice of Error Acknowledgment '' that I received from them dated XXXX XXXX pertaining to my complaint had n't even been reviewed ... .today is XXXX XXXX!!! I asked the rep how could u receive documentation and it get misplaced? Furthermore when was I going to be notified that LoanCare needed another copy of my canceled check for the XXXX time?! Her response was " well we have 30 days ''. Seriously!!! As I am about to furnish them with a copy of my cancelled check the rep calls me back to say they miraculously located my fax. I wish that I would have NEVER of refinanced with XXXX Mortgage. Stay away from this Mortgage Company!!!!!!!!!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Credit reporting () with FIRST ADVANTAGE CORPORATION (IN).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: XXXX XXXX a virtual call center sent invitation by email to complete background and credit check. I had to go to the First Advantage website and pay {$65.00} for a background check. The email from XXXX XXXX, list some of the reasons which may cause to fail. XXXX or more bankruptcies, XXXX or more civil judgement/leans in the past 5 years. I have the credit report from XXXX and it does not list XXXX or more. I have XXXX bankruptcy and XXXX judgement ( judgement which was satisfied in 2010 ). First Advantage score is incorrect it is not going by the email that was sent to me from XXXX XXXX. First Advantage sent XXXX XXXX a score of ineligible. This is a lost of the {$65.00} and a bad report to XXXX XXXX unable to work as an XXXX XXXX.

Company response to consumer: Closed with explanation