vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: United Shore Financial Services, LLC
State: CO

Complaint narrative:
In XX/XX/XXXX I received a letter from United Wholesale Mortgage that my escrow account was going to be short and I need to either send in a payment for {$850.00}, or my monthly payment would increase. Which was weird being that I just started my mortgage with them. I mailed a check which cleared on XX/XX/XXXX. I also mailed my mortgage check. On XX/XX/XXXX I received one of their robo calls to call them back. The lady in customer service informed me that my mortgage payment never arrived. I made an over the phone payment and asked if they " found '' my check to notate I made my XX/XX/XXXX payment. I looked at my bank account online and saw they had processed my check and were still in the process of running my phone payment. I called them to ask to cancel my phone payment as th9is was money to buy XX/XX/XXXX presents. The lady I talked to said it would take 2-3 weeks and it would be better to go to my bank. I went to the local XXXX branch and explained to them what happened. They were confused why United Wholesale Mortgage would send me there, but processed a Reg E dispute. This dispute was declined by XXXX as I gave verbal authorization over the phone for the payment. We had just sent in another payment for XX/XX/XXXX which had cleared when we found this out. I call United Wholesale Mortgage and explained what my bank said as was told I had three payments process, so I was covered for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX I received a letter for United Wholesale Mortgage saying my XX/XX/XXXX payment was returned NSF XXXX ; I called to ask about this, as I never sent a check in XX/XX/XXXX. After repeated phone calls to them and countless hours spent by myself and my banker at XXXX, now I received another letter saying they are sending me to foreclosure. I have sent them, on multiple occasions, proof that my two checks have been paid, and my phone payment was processed. Every time I call them to resolve this, since they apparently have no outgoing phone lines and can not call a customer back, I have to resend the same information and am told this issue is in the cash department. Attached you will see the same item I have faxed to them over and over again. You will see two checks clear my personal account and one phone authorized payment. you will also see no credit back from United Wholesale Mortgage to My account. If my check, as they claim but can not prove, was returned, I would have that money in my account. You can Cleary see that they took three payments from me. Now they have put myself and my wife through emotional distress trying to resolve this. They have all of my proof that they have been paid, and can not provide me one item showing that they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
my chase credit card bill dated XXXX/XXXX/15 was {$630.00}. on XXXX/XXXX/15 I paid the entire balance. my due date was not til XXXX/XXXX/15. they charged me {$7.00} interest. I called to complain and was told I did n't pay my account in time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-25 00:00:00
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
This statement is not new, just an update. Years ago I wrote about the foreclosure on property that was mortgage. I also explained how the mortgage company lied and falsified documents. Now, here we are in 2013, and I still have the same problem. No attorney will help, but that 's ok. I am in a different phase. At the time of requesting help, the house was livable, now it is falling apart and still, no help. I have XXXX situations and need directions. First, the house deed is not in my name, went to court, judge ruled in my favour that I could not by evicted from property and not to pay rent. Second, it have been some years and because this house is not in my name, no work was allowed, not even a roof after the hurricanes past through. Now here is where I need some advice, the address that was mortgage is a vacant lot, but the house sits within the perimeters. In other words, I pay a light bill and water bill where a house should be but is not. It is a vacant lot. Now, I have not heard from Chase bank who foreclosed on the property over XXXX years ago. At one point they would send someone out to check on the property ( house ) that they believed they purchased and cut the grass. But that soon stopped. After that, there was a call from an attorney in the XXXX XXXX area that called to ask me questions concerning the signature of a family member that was not notified about any of the court proceedings that lead up to the foreclosure. He said, no wonder this file was sent to me, who is XXXX, and why her name is not on these papers. I told him the long story of what happen and that was the last time I heard from anyone. I do n't know what my options are, just puzzled. The electric and water bill is affiliated with the house, is not the address on the bill. The vacant lot do not have a house on it, but that is the address where I pay to have service. Please help. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I purchased cruise tickets using my Chase card because of the built in travel insurance. After we boarded the ship, we discovered that the itinerary had been changed. Instead of travelling to the XXXX, the ship was going to XXXX, to which I did not want to go. I called Chase and asked whether I could cancel the trip and get reimbursed for the cost of the cruise using the Chase travel insurance. The Chase representative said yes, so I left the ship. 
When I filed a travel insurance claim, it was denied. The reason it was denied was because the cruise line offered me " something of value '', so they do n't have to pay the claim. Only if the cruise was cancelled would the travel insurance pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc.
State: DE

Complaint narrative:
I was never contacted by XXXX or Nelnet that my loans were in default. I was under the assumption that since I had recently stopped going to school, my loans were not yet due. I was never sent statements or received phone calls regarding payment for my student loan. Once I found out that the loans were in default, I was never offerred a restructuring or forgiveness for my lates. I took the effort upon finding out how dire the situation was and consolidated under XXXX. They have since paid both XXXX and Nelnet in full. All I am asking both XXXX and Nelnet to do is to remove the late payments on my credit bureau report since I was not made aware the laons were due and in default, they had an incorrect address for me, and upon finding out about the default, neither of them offerred me a restructuring or forgiveness. I have sent numerous emails, letters, and made numerous phone calls to both and they are both unwilling to work with me due to their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
I am an exhausted victim of ongoing deception by Ocwen Loan Servicing LLC and the firm presenting themselves as debt collectors on Ocwen 's behalf and claiming to be of counsel. Please advise me on how to hold them accountable for engaging in the following deceptive acts in violation of the consumer protection laws of the Commonwealth of Virginia as well as specific sections of the FDCPA, the CFPB, and the USC : Failure to timely and accurately apply payments to my account Providing false and misleading information regarding the status of my account Providing false and misleading information in response to a complaint Failure to provide accurate and timely information regarding loss mitigation services Failure to properly calculate my eligibility for a HAMP Tier 2 loan modification program Improperly denying loan modification relief after HUD Counselor determined me to be eligible Providing false and misleading reasons for denial of loan modification Using false and misleading documents as part of the foreclosure process ( ie. affidavit, assignment ) Providing confidential information to a third partyIn addition, please provide me with several references who may be able to conduct an audit of my account with Ocwen Loan Servicing LLC and someone with the authority to review my financial statements for lawful consideration of a HAMP Tier 2 Modification. 
Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
The borrower XXXX XXXX, was approved by the first mortgagee, XXXX ( ie. the loan servicer ) for a short sale on his primary residence and under the short sale approval letter, the first mortgagee had agreed to waive a deficiency in excess of {>= $1,000,000}. To close the transaction, an application was made to the second mortgagee, Chase, to obtain a release of lien in order to deliver clear title. The First Mortgagee, XXXX, provided for a payoff of {$8500.00} to Chase on the second mortgage. The short sale approval letter on the first mortgage expires on XXXX XXXX, 2016. An immediate application for approval was submitted to Chase on the second mortgage on XXXX XXXX, 2016. Folks in the Chase collections department are handling the matter. They are seizing the opportunity to delay the transaction, to forbear from rendering a decision, solely for the purpose of holding up the borrower, hoping they can extract more funds from the transaction. It appears that Chase through its senior vice president, XXXX XXXX, Chase has refused to address the application on its merits. As a result, XXXX XXXX will be losing his ability to close under the terms of his approval letter on the first mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I received a letter from Chase about a CD that was up for renewal on XXXX/XXXX/2017. As the proposed rate for the renewal CD was only .02 %, I called the number on the letter to inform the bank that I wanted to non-renew and have the balance roll to checking. After getting through the awful automated phone system, I finally got to an agent. Following my explanation he informed me that I had to go to a branch to effect that transaction, despite the fact that the letter had included that phone number. I asked for a supervisor and he told me he was a manager. I still asked for his supervisor, so he put me on hold. 
When he came back on the line, he did not have a supervisor but said he had gotten " an exception '' to perform the transaction. Then he informed me that there would be a penalty. When I asked why in the world there would be a penalty, he said it was because I was calling before the ending date on the CD. When I explained that I wanted the transaction to occur on the end date ( two days from now ), not today, he told me I could not inform them in advance, but had to call on the specific ending day to avoid this penalty. 
I told him that he should be able to take the information and set the transaction up in advance, but he said he could not. Finally I told him to just finalize the transaction, as I 'd spent far too much time on this already. While the penalty was just a couple of dollars, I think this is outrageous. 
I am a Private Banking client at Chase, and so wonder what happens to customers who are not!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
I have been applying for a mortgage through US Bank. I use a local bank and they sell their loans to US Bank. The Underwriting team at US Bank has been completely unprofessional throughout the process. Whenever they have requested documents I have provided them in a timely manner. After that happens the underwriting team changes what they need. They have been unavailable for any discussion and continually put my loan request at the back of the pile with no regard for my scheduled closing date. My closing was scheduled for last Thursday at XXXX. At XXXX that day, obviously 4 hours prior to closing, US Bank made up a new issue that prevented me from closing. I immediately took care of that issue, and yet we are now a full week since that time and the Underwriter is showing no urgency at getting back to my file. I am sitting and waiting. I feel that this is an unacceptable way to treat a customer, and simply an unacceptable way to treat a human. When I have tried to resolve the matter with US Bank they tell me that they can not help me without a loan number, but my issue is the failure from US Bank at processing my loan request so I can not provide a loan number. It also takes a full week for US Bank to respond asking me for my loan number on a complaint involving them not finalizing my loan. I wish I had a loan number, if that were the case I would not have a complaint. I would like US Bank to treat me as a valued human being and resolve my issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax is reporting inaccurate information on my credit report. They are reporting a charge-off account from XXXX when i never had a XXXX account. By the FCRA unless they provide me supporting documentation with my wet signature they must delete the charge-off account from my credit report.Failure to do so will result in a lawsuit against both the creditor ad the credit bureau 's. I have sent documentation to my attorney also.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: U.S. BANCORP
State: WI

Complaint narrative:
I accepted a fixed percentage offer until paid in full for a balance transfer from US Bank ; a few months later I received a communication advising an annual fee ( {$40.00} ) would becharged starting XXXX XXXX, stipulating the option of paying your bill in full. If I had themoney I would n't have accepted their offer in the XXXX place. Upon being charged, I calledsaying I did n't feel I should be charged an annual fee as I did not use their card forpurchases but paying off a balance transfer. I got no satisfaction by phoning the next yearas well. XXXX of last year I wrote the same objection on my payment slip ; I received theresponse that the annual fee was necessary for the cost of maintaining my account. 
This time around I am writing you in the hope of some justice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
On XXXX XXXX, XXXX, my loans were transferred from XXXX to Navient. I have continued to pay more than what is due on time every month. Now, it is time to re-apply for Income Based Repayment plan. I submitted the application through Studentloans.gov, and then received an email back from Navient on XXXX XXXX, XXXX stating that they had received the application. On XXXX XXXX, XXXX I received another email from Navient stating that my payment amount had gone up. Since my income had decreased, and I had applied for IBR, I knew this was innacurate. I emailed them back stating the problem, and received a confirmation email on XXXX XXXX, XXXX that stated they had received my inquiry and would get back to me soon. I never heard more about the matter. Then on XXXX XXXX, XXXX I received an email with yet another new payment, this one a few dollars less. On XXXX XXXX, XXXX I called to get the problem fixed. They told me they would defer my payments for a couple of months, and give me time to complete an IBR application. I told them I already had, and that they had emailed me that they received it. The person I spoke with said to wait until the end of the week. On XXXX XXXX, XXXX, they emailed me three times. One that gave me repayment options. The second that said there was a new document to view, which was information on how to submit the application for IBR. This email states that the best way to apply is to go to Studentloans.gov and apply. I have already done this. The third email said they were still waiting for me to submit the information to process the request. I have no idea what information this is. On XXXX XXXX, because I still had n't heard anything, I decided to submit the IBR application again through Studentloans.gov. On XXXX XXXX, XXXX I received an email again from Navient that they had received the IBR application. On XXXX XXXX, XXXX I received another email from Navient that showed my payment had again increased even higher. Then on XXXX XXXX, XXXX, after hearing nothing from Navient, I again emailed to get the problem fixed. They sent an email of confirmation that my request had been received. And today, XXXX XXXX, XXXX, I have received another email from Navient reminding me that I need to return some sort of information to process my request. But it does n't tell me what this information is that they need. When I go to my account on the Navient webpage, no where does it say that I have to submit any information. In fact, I ca n't even find the documents that have been submitted until I go to the old website. I have been doing my best to pay off these student loans with the limited amount of finances I have. Navient has just given me the run around, and increased payments so that I can not afford to pay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-12 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Avant Credit Corporation
State: MS

Complaint narrative:
Please note that I have already contacted CFPB with respect to a complain. I have a case number assigned, which is : XXXX. 

I was instructed to file a compliant online. Thus, please note the following : I am writing to file a complaint against Avant Credit because of their predatory lending practices. Please see the attached correspondence written to the creditor requesting clarification. Please note that the original loan was taken out XXXX 2014 in the amount of {$4000.00}. Since that time, I have paid to the credit the amount of {$2700.00}. Please note that this loan still carries a balance of almost {$3900.00}. Their lending was deceptive and the interest and fees are simply legalized loan sharking and preys on individuals that need to seek out alternative lending options. 

In addition, Avant Credit has listed on my credit report that I am in collections, which is not true. I have asked them to remove their collection account and they have not yet complied. Furthermore, I want this listing removed. 

I am requesting that you investigate this company and take any appropriate regulatory action, including any necessary referrals to state agencies. It is important that we put an end to these types of deceptive and unethical business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
What do you think would be a fair resolution to your issue? 
should have forbearance from XXXX to XXXX ( when I became employed ). 

Then from XXXX, I would be due the outstanding balance and be back on my original loan. 

However, Freedom Mortgage failed to process my forbearance. Instead, they are restructuring my loan at a higher rate and with a higher principal to capture the amount that should have been on forbearance because they failed to process my forbearance in a timely manner in XXXX. 

I requested the forbearance in XXXX and the forebearance should have been processed in XXXX before I became employed in XXXX. However, due to Freedom Mortgage 's negligence, the forbearance was never processed and instead, Freedom Mortgage is restructuring my loan since we are now in XXXX. 

Please process the forbearance with a date of XXXX and update my accounts. 
Please send me the full amounts due as of XXXX XXXX, 2016 and I will issue payment. 

Then I will be back on my original loan with the original principal and interest rate rather than the inflated principal and interest rate as a result of Freedom Mortgage 's negligence. 

Once the forbearance is on my account, then the credit bureaus will need to be contacted to revise my credit scores since I am not past due but in forbearance. Then my credit will be better so I can move to another lender in a year. 

Right now, because Freedom Mortgage has failed to process the forbearance and is moving to a loan restructure, I have a more negative credit as a late payment rather than loan on forbearance. This makes it impossible for me to move to another lender in the future and forces me to remain with Freedom Mortgage at a higher principal, higher interest rate and in a loan restructure I did not consent to. 

Had they processed the forbearance request in a timely manner, then I would just pay my amounts due as of date of first employment and be back on my original FHA loan. 

Freedom Mortgage is using their own negligence to force me into a new loan with them and exclude me from being able to borrow from someone else and get away from their unprofessionalism.

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