milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-11-2015 about Credit card () with JPMORGAN CHASE & CO. (DE).
Issue: Credit card protection / Debt protection

Complaint: I recently had a credit card charge declined ( credit card company Chase ) and contacted customer service for the credit card company for an explanation. As part of their security questioning to ensure that I was the cardholder, they asked me specific security questions which involved verification of information I had never disclosed to them in the past. For example, in XXXX question ( which had multiple choice answers ), I was given choices for the " height '' that is listed in my driver 's license number. For another question, I was given choices for the " profession '' in which I hold a professional license. While I understand that this information is available in the public domain, I find it unethical and disturbing that the credit card company is " mining '' this information from the public domain and connecting this information to my account. I am happy to answer security questions for which I have provided the " security answers '' previously, but it is absolutely WRONG that this credit card company ( or perhaps they all do it! ) is allowed to use information I have never given them for security verification purposes. Given the frequency of data breaches in the modern world, having this additional personal information connected to a credit card account gives hackers even more information to be able to steal identities and commit fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (FL).
Issue: Application, originator, mortgage broker

Complaint: I applied for a home equity loan in XXXX 2016. I was pre approved in XXXX. Wells fargo ordered a full appraisal of the home. when i received the appraisal back it was clear the to appraisal company did not calculate the square footage of the home correctly underestimating the square footage by over XXXX square feet. I brought this to the attention of Wells Fargo and they agreed an error had taken place. They escalated the complaint ultimately to the executive resolution specialist who after months of delays of supposed 'research ' sent me a form letter that home values are subjective and they are closing my application. There was not even a an attempt to address the fact that the appraisal company used a square footage that is over XXXX square feet smaller than the home liste square footage at my county.

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 12-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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: I have contacted Transunion LLC 2 times ( XXXX XXXX XXXX, XXXX XXXX, XXXX ) letting them know that some of the names they purport to belong to me does not belong me. I also attached my drivers licence showing the correct name but the same wrong names continue to apprear in my credit report the company sent to me on XXXX/XXXX/XXXX. 
The report also shows some telephone numbers which i have told Transunion LLC twice that they do not belong to me but they have refused to correct them.

I have also requested twice for Transunion LLC to remove accounts which they purport to be adverse as it has been more than 7 years since the inial default as per FCRA but they have either refused to remove them or do any investigation.

I also requested for information to show why Transunion LLC is linking me with wrong names and phone numbers but they have either refused or dont have them because they have not carried any investigation.

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 02/17/2018 about Checking or savings account (Checking account) with Coinbase, Inc. (NY).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: I was charged two amounts from XXXX, XXXX and XXXX respectively. I did not complete these purchases, nor did I receive the bitcoin that it was made for. The bitcoin was immediately transferred out with the notes attached to it. The first purchase was XX/XX/2018 for {$500.00} worth of bitcoin, it was sent minus later to an address with the note attached reading " hey dirk ''. The second as XX/XX/2018 fo {$400.00}, and again was sent almost immediately out of coinable to someplace unknown with the not attached " XXXX ''. All previous transactions I have made do not include any note. Also at the time the purchases were made I had positive control of my phone, and my laptop. My laptop account can only be accessed with 2-factor authentication via my phone, and my phone was on me at the time of the purchases. Accessing my phone account requires my fingerprint and then a pin to do any purchases. I have contacted XXXX and received no response. 

I was then later charged the same amounts again, on XX/XX/2018, both {$500.00} and {$400.00}, which triggered my low balance alert on my account and brought the entire fraudulent charges issue to my attention. These two have since been refunded, but the original purchases hav still not been.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (NC).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: XXXX XXXX, Issurer of Walmart Mastercard, continually shifts log in methods rendering it difficult to monitor the account. THIS IS A SECOND COMPLAINT ABOUT THE SAME ISSUE. Their online service will now not accept my passcode. Their online service offers two ways to reset passcode, by text or phone/voicemail. Their system would not accept by phone/voicemail, offering text only. I DO NOT TEXT. I HAVE ONLY A BASIC PHONE. I 'm going on XXXX years old. very few elderly text, so they are discriminating against the elderly. Then, in a telecom, XXXX manually sent me a 4 digit code to put in so that I could reset my passcode since XXXX 's system refused to accept my original passcode. That code was was repeated electronically over and over until I hung up, which was XXXX. Synchrony 's system refused to accept the code given, XXXX. I can not view my recent activity and I suspect XXXX and/or Walmart are hiding something or discriminating against me to the extent that I will just quit and pay whatever they say I owe. THAT 'S NOT GOING TO HAPPEN. AT THIS JUNCTURE, IT APPEARS TO ME THAT THEY ARE " CUTTING OFF THEIR NOSE TO SPITE THEIR FACE ''. So they want to play games, they came to the right place me being from XXXX, NY, and a staunch supporter of XXXX XXXX, hopefully one of our next Presidents. I am going to pay off the paltry balance and put a " FREEZE '' on the card. I have other sources to utilize so Synchrony wo n't even get the XXXX cent or so swipe fee. Walmart is a criminal enterprise anyway, having been convicted of criminal offenses, stated upon information and belief. Myself, no criminal record, no traffic record, no nothing.

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 09/17/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: This is a complain against Ocwen Loan Servicing. Ocwen transferred my loan balance to XXXX and failed to supply the correct insurance information to the new lein holder - XXXX. In addition even though an escrow account had previously been established by Ocwen to pay the annual insurance premium, Ocwen instructed XXXX that no Escrow account was in place to pay for the insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I went to school to become a XXXX. Once I graduated everything was great. I was working full time and paying everything on time. XX/XX/2011 I got into a bad car accident on my way to work that left my not about to work in my field. Now I would at a desk job not being able to make as much money as I would as an XXXX. As it was I was barely being able to maintain my $ XXXX monthly payments. Just XX/XX/XXXX they raised my bills to {$1400.00} a month. There is no way I can afford that seeing how I only make {$XXXX} every two weeks. I tried talking to them and I have been working with they attorney generals office. All they say is they wo n't lower my payment because my dad cosigned and between the both of use we have good credit and never missed a payment. So instead of helping us because of being good customers they would hurting us. Now my father and I are struggling to make the payments and I am about to default. They would rather see me ruin both my credit and my fathers then to lower my payment and get their money. 

I know I took out the loans and I have no problem paying them back. But life happens and they need to understand. If they just make it reasonable for me to do so I will be more then willing to continue to by my bill on time.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Most recently I have verified that the student loan for my son with  XXXX   XXXX  wa s actually a private Tuition Answer loan which I, the par ent was the borrower. This loan was signed for  XXXX   XXXX ,    2005. The problem is my repayment period ( principal and interest ) has NEVER begun, so for the past 12 years, all payments have been for INTEREST Only. The promissory note states " the repayment period will begin on the day after the Interim Period ends. The Interim Period will end 4 1/2 years after the Disbursement Date. '' The follow on problem is I can not   get approved for my son, the co-signer to be rele ased from the loan until the outstanding {$4300.00} in interest is paid while the original loan of {$43000.00} has not been affected. In addition, the interest that has been paid is not eligible for deductions on income  XXXX   Release for co-signer is the borrower making 12 consecutive principal and interest payments without lat e fee penalty and the borrower 's credit being checked. They have no idea if funds are being paid by myself or my son. Not withstanding,  XXXX   XXXX  's failure to begin the repayment period is a breach of contract to the promissory note.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Struggling to pay mortgage

Complaint: Chase LN XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX CA XXXX We called in again today to get a status on the HUD approval for closing. We were informed that even though we submitted documents on Tuesday XXXX/XXXX/XXXX nothing has been done on the file for the last week and has not even been submitted for closing approval. 

I was transferred to XXXX XXXX in the Escalations Department. She said she could not do anything except make sure that the closer communicated to us. She denied any knowledge of TRID. She denied any knowledge of the CFPB. She did not care that the Chase-required 72 hours for closing approval has long since passed. 

It is obvious at this point that Chase is so understaffed they are not even able to perform basic supervisory functions and train their staff appropriately. 

She then went on to question why we would schedule a date for closing when we didnt have HUD approval yet. It is obvious from this question she has no training on closing procedures for real estate transactions. 

Isnt there anyone that can do anything about the egregious lack of training and supervision at Chase?

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2016 about Debt collection (I do not know) with Cooper Hoffman Klein Associates (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I continue to receive repeated calls and threatening voice mails on my Straight Talk cell phone from someone at " Cooper, Klein, Hoffman/XXXX and Associates '' at ( XXXX ) XXXX mostly but a few other numbers as well, all with out of state area codes. The voice mail threatens legal action against " XXXX XXXX '' and references " file number XXXX. '' The voice mail demands a call back at ( XXXX ) XXXX to avoid this action. I am not XXXX XXXX. I have had this phone number since 2012 and my number is on the Do Not Call Registry. I have previously experienced similar calls at this number for a " XXXX XXXX. '' I was able to get those calls stopped by talking with the caller but have been unsuccessful with the callers looking for " XXXX XXXX. '' The calls taper off for a month or two but always resume after a brief hiatus. I have spoken with Straight Talk and was told there is nothing they can do. They advised blocking the calls or changing my phone number. Unfortunately, changing my phone number is no guarantee that I would not get yet another tainted number and be no better off than I am now.

Company response to consumer: Untimely response
Consumer complaint received 09-09-2016 about Student loan (Federal student loan servicing) with MOHELA (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have made payments in excess of the amount due on the loans. I did this a few times until I noticed that my balance due was XXXX. I continued to make payments in excess of the amount due however they were now only going to interest or nearly all going to interest. There is no way to know what the interest owed for the period is on each loan. This was a year ago. I called and complained telling them that I wanted a detailed listing of interest accrual by loan since I have XXXX loans so that I could balance out what I have paid to what they have posted to my loans. They could/would not provide but tried to talk me through it. I ended the call by telling them I wanted any additional payments to go to the higher interest loans instead of the lower interest ones which is what they had been doing. I also wanted them to stop sending me bills with no balance due if there was in fact interest due that they were going to apply my payment to. They said I needed to send the request in writing which I did. 
A year later my wife who is doing the payments complains that she does n't understand the billing still. I go on and it is still showing paid ahead with no balance due and payments being made almost exclusively to interest. The little that they do apply to principle is applied to the lower interest rate accounts. So I call again about the issue. The service rep tells me that they have no record of my request and that I need to request it again and they are doing everything in accordance with the agreement and cant change how they are billing. I explain I already sent in the request. She said they do n't have it so I would have to send it in again. I asked for a different channel than the email that they had me use last time and she said they do n't have one. Then she went to her manager because I would n't accept that answer. Suddenly they did have a form letter that they could send me. When I asked if there was a way to verify the documentation so that I would not end up in the same situation with them having conveniently not receiving it and having no evidence it was sent she was very uncooperative and I had to basically pull it out of her if there was a way to track it other than certified mail which I did n't want to do. In the end this company since purchasing my student loan has done nothing but underhandedly try to hide where payments are going and not apply payments as requested in order to maintain higher interest 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 11/30/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (MN).
Issue: Using a debit or ATM card

Complaint: Sent this message to Wells Fargo on XXXX/XXXX/XXXX on their own contact us page. Your information says there will be no fees for ATM withdrawals for international withdrawals for premier checking holders. You have incorporated fees in the exchange rate that you are using for converting the XXXX that I withdrew. The transaction here you charged me an exchange rate of XXXX XXXX. On the same date XXXX XXXX converted transaction charged on my credit card with an exchange rate of XXXX dollars/euro. In addition to this transaction I had another ATM transaction for XXXX XXXX on XXXX at an ATM and a conversion of XXXX euros in your retail Branch office in XXXX Minnesota. The conversion in the branch offie the Bank officer told me there would be no fees for getting XXXX as long as I was a bank customer. These claims of no fees is disingenuous when you know you set the exchange rate to include a fee component. I believe you should self report to CFPB I followed up with the bank again in XXXX XXXX as they had not adequately responded to me on the issue and basically gave me the run around by referring me to the foreign currency department of Wells Fargo with no specific reference to a banker to direct my issue too. They did follow up in XXXX XXXX and I received a call from XXXX XXXX who could not comprehend my issue and escalated it to a supervisor. I do n't recall the supervisors name but he basically said there was no fee incorporated in the exchange rate and that there was nothing they could do for me. I do truly believe there is a fee incorporated in their foreign currency conversion rate and probably would not have a problem with it other than they sold me on a premier checking account on the basis that a certain number of these transactions per month would be without fees and I believe they are not standing behind their promises and disclosures. Maybe they should not promise things that they will not follow through on.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2016 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: APR or interest rate

Complaint: I opened a CareCredit account in XXXX of XXXX. I charged my XXXX treatment to the card ( about {$3500.00} ) and signed up for automatic payments. I arranged for {$120.00} to come out of my checking account each month. I was aware that it was only interest free for 1 year 's time and wanted to pay off at least half of the charges. In XXXX, when the promo period had expired, I realized that CareCredit had been lowering my payment from {$120.00} to their minimum payment. Looking back at my records, they began lowering my payment from {$120.00} to {$91.00} until eventually, {$70.00} was being deducted, something I had not authorized. After doing some research, I realized that CareCredit had been ordered to pay {$34.00} XXXX in a class action lawsuit in XXXX for that very same reason. I did n't know about the lawsuit at the time I opened the account and if I did, I would 've never opened an account with CareCredit. Now, I am paying {$200.00} a month, and it 's as if I never paid anything on my account at all.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I contacted this office for the second time today, Friday, XXXX 2015. The time was XXXX. I advised the representative that they were reporting on my credit report for a debt that had been discharged in a chapter XXXX. He still advised that it was an attempt to collect a debt. I then explained that I was not to receive any more calls regarding the debt and proceeded to provide them with the filing attorney 's phone number. Her name is XXXX XXXX XXXX and her office in located in XXXX, MD.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (WA).
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint: Served Summons and Complaint along with letter from attorneys indicating response is voluntary. It 's very misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2015 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: First off, I believe that I am being wrongfully foreclosed on due to the following. On XX/XX/XXXX, the California XXXX XXXX posted publically, that XXXX XXXX XXXX, XXXX entity # XXXX was no longer allowed to do business in the State of California ; however, on XX/XX/XXXX, said company recorded a Notice of Default and Election of Sale under Deed of Trust in official records of XXXX XXXX. If XXXX was no longer allowed to do business in California, how were they able to issue foreclosure documents against my property. Next, XXXX XXXX XXXX is the new Trustee as of XX/XX/XXXX. Since this time, XXXX XXXX XXXX has recorded a Notice of Trustee Sale against my property piggybacking off of XXXX fraudulent Notice of Default. 

By failing to adhere to both California law and the rules under CFPB, The party ( ies ) complained of in my initial complaint are not compliant with rules regarding dual tracking. The Parties are " covered '' under both California XXXX and the CFPB 's strict guidelines. 

I have a valid and complete loan modification package that has been acknowledged as received and no notice of deficiency of documentation has been received by me. I just received another Notice of Trustee during the pendency of my application. 

The Parties have also failed to respond to the initial complaint with competent and reliable evidence that supports all facts contained within all recorded title documents that were used against my contract rights. Specifically, the assignment ( s ) of deed of trust to an un-verified entity, Notice of Default, Notice of Trustee Sale. No authenticated evidence has been offered by the offending Parties by any person with personal, first-hand knowledge of those facts. I am not in default to an unknown, un-authenticated party that is currently in my chain of title without competent evidence to support the beneficial interest.

Company response to consumer: Closed with explanation