vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
This is the second complaint I have with Ocwen Loan Servicing. Ocwen did not pay my homeowner 's insurance and therefore it was canceled. This was after numerous calls with Ocwen to get it paid. I even had a 3 way call with Ocwen and my insurance agent. I thought it was taken care of since Ocwen stated they were going to XXXX the payment. I found out it was never done and I no longer have insurance. I lost my low deductible and my low premium for being a long term client. Ocwen put forced place coverage on my account and raised my payment. I have several calls to Ocwen 's Ombudsman team and manager ( XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX ). They will not give me help resolving the increase in my payment due to their error or resolving the loss of insurance. I have not been able to get new insurance. I will never be able to get the same deductible or payment for homeowners. I have called several insurance companies and get the same response either I wo n't be insured or a way higher amount than what I was paying. This was not my error. I have always been current on my mortgage. This has caused me a heavy burden. I have been fighting with them for 2 years now. I need a solution of how Ocwen is going to fix their error and a resolution of how I am going to be compensated for their error. I should have have to increase my payment for their error. I should not have to be penalized for the rest of my life for the loss of insurance ( deductible and payment ). How am I being protected from a Servicer that conducts business this way? I need this complaint resolved immediately. The last complaint was just forwarded to Ocwen but never resolved. This is unacceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-21 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: VW Credit
State: CA

Complaint narrative:
I leased a vehicle at XXXX XXXX XXXX in XXXX. When the lease was up, I paid Volks Wagen Credit balance in full via wire transfer, I requested a paid in full letter which I received. This all transpired XX/XX/XXXX. I decided to sell the vehicle last week, XX/XX/XXXX. I discovered Volks Wagen Credit had a lien on the title, I contacted Vw credit and the said it was XXXX XXXX XXXX problem. I called XXXX they said it was Volks Wagen Credit mistake. I called VW credit again and they said they sent the release to the DMV and it would be two weeks! I lost my buyer, and now I 'm told I need to go to DMV and request Title. I paid in full {$15000.00} and a year and a half later they still have a lien! How many vehicles to they reposes with a false lien?????? I have to take a day off work to go to DMV and find another buyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: USI Solutions Inc.
State: MD

Complaint narrative:
On XXXX XXXX, XXXX, USI Solutions XXXX XXXX XXXX XXXX ) contacted me regarding an alleged year XXXX {$540.00} XXXX debt. 

I advised a person identifying herself as XXXX XXXX and XXXX XXXX her supervisor -- in conversations minutes apart ( XXXX XXXX XXXX that I 'm aware of no such debt and they refused to provide a written statement. Instead, both XXXX and XXXX pressed me to pay the unknown debt. They stated they would report the debt as a refusal to pay to credit bureaus. I am aghast at their strong arm tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: PA

Complaint narrative:
I was never notified of any kind of debt, any kind of court case, no notification at all from this company. All of a sudden I checked my bank account and my bank account was frozen on a legal hold, never received notice that my bank account was frozen. Will not tell me my case after begging for information, find out a third party company bought " my debt '' and then attempt to call them to get verification of debt, they refuse to give me the verification of debt. They hang up on me, or tell me to call back every time I call to try to get my bank account unfrozen and get verification of debt. My " debt '' is being collected through a third party company called Weltman Weinberg and Reiss. I never received any kind of notification that this would be happening to me, my bank account is still frozen over debt that they will not verify and no one is doing anything to get my account unfrozen, or work with me. I do not understand how this is legal. The company will lie in a court of law and tell a judge that you were delivered paperwork when you were not, and then the judge will make a judgment because they think that you are negligent because you are not there, however you were not served the paperwork! Unbelievable that this is happening. My bank account has been frozen for two weeks and there is nothing that I can do about it. This is completely illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: MD

Complaint narrative:
My dispute is against Caliber Home Loans. Caliber used to service my mortgage loan, but it has since been traded to another company. I was reported late in 2014, once in XXXX and once in XXXX. I have spoken with them and they stated they would research and resolve the issue, but to no avail. I 've sent them supporting evidence, but to no avail. XXXX is the only agency reporting this derogatory information. It is my right to have my credit report match. Please note, I had n't missed XXXX payment prior to this loan being transferred to Caliber. I experienced many issues while they held my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
On Friday, XXXX XXXX, 2016, there was an un-authorized transaction in the amount of {$1100.00} from Speedy Cash. I never authorized Speedy Cash to use my card ending XXXX to pay for this loan. 

In the past I had a loan with speedy cash that was paid for in full, and one of the payments made on that loan was made by my card ending in XXXX. NEVER did I sign anything from Speedy Cash authorizing them to use this card for future payments, nor do they give you a warning saying this card will be and/or can be used for future payments. 

I took out a XXXX loan from Speedy Cash around XX/XX/XXXX or XX/XX/2016, NOT once did I provide them or authorize them to use my card ending in XXXX. I provided them with a different card number. I then let Speedy Cash know that I have retained an attorney and I am in the process of filing a Chapter XXXX bankruptcy. They refused to stop taking money from my acct because a bankruptcy case has not been filed, and this forced me to close my bank account with another financial institution because of their predatory practices. 

I contacted Speedy Cash and spoke with XXXX in the Bankruptcy Dept of Speedy Cash and she refused to reverse the transaction saying I authorized them to use this card. I attempted to explain that I DID NOT authorize them to use this card of this loan, and she told me because I used this card once on their website it authorizes them to use this card for payment. I told them NO where did I sign anything saying they can keep that card on file, it was a one time payment with this card. She did not care and kept repeating that I authorized them to use this card. 

This company preys on people and uses deceptive practices to take money from authorized accounts, they have been informed and have been provided my attorney 's information which obviously they could care less. The money they took belonged to my husband and was from HIS paycheck and not mine. This was money to pay for our rent, children 's school supplies, clothes and groceries until the next payday. 

I am respectfully requesting that this transaction be reversed and funds be deposited back into my account immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-23 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
COMENITY BANKXXXX ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you COMENITY BANKXXXX or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : COMENITY BANKXXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
i didnt make a inquiry for this bank

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-08 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XXXX XXXX I was informed that my credit card debt was {$45000.00}. On looking at my statement I am not aware of many of the transactions. Notwithstanding my credit axis limit for the card was {$25000.00}. Chase never alerted me that my account was going over the {$25000.00} limit. In the past Chase has alerted me if they were suspicious about a tentative transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
My property is originally financed by Wells Fargo Bank and Insured by XXXX XXXX XXXX. When I applied for a Home mortgage refinance Loan it was denied. I asked for refinancing on the first mortgage because there is a first mortgage and a second mortgage on the property. I pay the property taxes and the Insurance premium on the property to reduce the cost of refinancing. I was told by the banks representative that I must include in the loan refinance package the following : First mortgage and second property loans Taxes and property Insurance All closing fees. 
Due to the piling on fees, I could not afford the loan package offered by Wells Fargo Bank. It appears the bank offered was intended to be unacceptable. 

My second Home Refinance attempt, I was informed by Wells Fargo Bank representative that a XXXX XXXX Dollar ( {$300.00} ) appraisal fees is required, the appraiser fee was to be placed on a credit card and no guarantee the loan would be approved. I did not have the money, therefore I was denied by the bank. 

My third attempt to refinance the home loan, the Wells Fargo representative stated I needed XXXX XXXX XXXX ( {$500.00} ) on a credit card for appraiser fees. I was denied refinancing because my debt ratio was to high. 
My income debt ratio is high due to the high interest rates I pay Wells Fargo Bank on the property first and second mortgage, that is XXXX of the reasons,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have a hard hit inquiry on my XXXX Credit Report by Chase Card that I do n't recall authorizing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-27 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc.
State: SC

Complaint narrative:
I attended XXXX XXXX of XXXX from XX/XX/XXXX-XX/XX/XXXXI took out XXXX private student loans to finance my education. 
My loans were initially serviced by Nelnet with no problems. 
In 2014 my loans were service released to Firstmark Serviceswhich is a subsidiary of Nelnet. 
I remit payments through XXXX XXXX Online Bill Pay making one payment of {$420.00} monthly. 
The servicer would split the payment and apply funds to each loan. 
I made 10 payments to FirstMark with no issues. 
The 11th payment was only applied to XXXX of my loans. Reason being is that the payment processing computer now can not distinguish between due dates and my entire payment was applied to the first loan coming due. 
I was told by customer service that, due to the due dates being off by one day, XX/XX/XXXX and XX/XX/XXXX, that the payment was only applied to XXXX account and that she could not make the date the same for both loans due to different banks holding the notes to my loans. I was told to send my payment to a different address where a human would apply the payments to my individual loans. I did this for my XX/XX/XXXX payment, submitting it XXXX XXXX, and it mysteriously disappeared for over 2 weeks before it was miraculously discovered on XX/XX/XXXX XXXX and backdated to XX/XX/XXXX XXXX. I would like to add that the payment being found coincided with a rather nasty email I sent Firstmark on XX/XX/XXXX XXXX. Since this date I have mailed XXXX additional payments to the address listed on my statement and thus far both payments have been applied only to the loan that is due on XX/XX/XXXX. I have called and emailed Firstmark and they have shown no interest in correcting this problem. It is my opinion that Firstmark created this problem in order to hinder myself and others in making loan payments. I believe this because the 10 prior payments the computer correctly and automatically split my payments among my XXXX accounts. Why would a servicer change this on purpose? To create more work on the student loan payer by making one have to call or email the servicer each month to have ones payment applied correctly? This is a major waste of my time and is causing undue stress in my life. I also believe, if I failed to call, this error would not be discovered within 30 days and then my credit would be irreparably damaged and thus I would be damaged monetarily.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-13 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XX/XX/XXXX I 've received multiple offers for a XXXX XXXX XXXX Card with a sign-up bonus of XXXX miles after I spend {$4000.00} in the first three months of account opening. As I 've tried to apply via the XXXX website the sign-up bonus was showing as XXXX miles, so I 've called the Chase customer support number and the representative re-assured me that I 'll receive the XXXX miles, as long as I apply with his support via phone and request the miles to be credited after I meet the spending limit. I 've applied, and met the spending limit before the initial 3 months, XX/XX/XXXX. It has been over a year since I have the XXXX XXXX XXXX Card and I 've never received the advertised offer for XXXX miles, instead my account was credited only with XXXX miles. I 've kept inquiring via the Chase customer support every other week, and I 've spent at least 20 hours on the phone waiting or talking to some of their representatives and supervisors, without any success. During the initial calls the Chase representatives were re-assuring that I 'll be credited for the full amount, as I 've met the spending limit they 've started asking for a copy of the promotional letter, something that they own and should track in their marketing/advertising database, as I 've received a personalized letter on my home address. Nevertheless, during one of the follow up calls, XX/XX/XXXX, I 've shared the promotional code from the letter, and once again I was re-assured that there is a XXXX miles promotional offer associated with my profile and that it will take them another 1-2 months to credit my account. So I 've waited for another couple of weeks only to realize that Chase did n't honor their promise. Today, XX/XX/XXXX, I was told by one of the Chase customer support supervisors that since it 's been over 10 months and they have n't received a faxed/mailed copy of the offer, something that I 've shared with his team months ago, and it was acknowledged, that I 'm no longer eligible and I will not receive the full XXXX miles. I 've informed them that I 'll be raising this issue with you ( CFPB ) and I truly hope that you 'll help me and other customers by stopping these inappropriate practices before they become major issues. There should be zero tolerance for false advertising of rewards that the issuer has no intention or capability to honor. Also Chase should keep track of all personalized marketing offers, instead of playing a dumb, when it 's customers request their benefits.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I contacted my mortgage servicer to be reviewed for a modification to reduce my interest rate. I started this process XX/XX/XXXX. I was told they could n't do anything for me unless I went onto a temporary forbearance plan first, then they would review me for modification. I went on the plan, paid the forbearance payments for XXXX and XX/XX/XXXX, and then resubmitted all my information for review of modification. After reending documents over 4 times when the stated they " could n't find them '', I received a letter today stating that if I do not pay the full amount due by XX/XX/XXXX, they will foreclose. WHen I called, I am told it is with underwriting but they can not guarantee that a decision will be made before the deadline. When I started this process, I was not delinquent. I entered into the forbearance because they said that is the only way they would consider a modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I left my chase atm card in a chase atm during normal banking hours earlier this week. when i try to call that chase bank branch XXXX the phone rings over 8 times and then i get a recording that tells me they are busy providing wonderful support to a different customer and i should call back in a few moments. I got this same recording for over 20 minutes. when i finally gave up and XXXX chase hq number XXXX and spoke with the nice lady ( XXXX at HQ in XXXX ) who answered the phone and explained everything to her she said she would try the branch and put me on hold. she then came back to the line with XXXX from the branch at XXXX XXXX fl who told me the following1. that they do not log atm cards that are turned into the branch2. that they shread said cards without bothering to notify there own customers that the card was turned in and shreaded. 
3 he then stated in a very condescending tone that i was the one who left my card. 
at that point i ask XXXX to remove him from the call and asked her to transfer me to the presidents office. she sent me to person named XXXX who was helpful regarding canceling my card and getting me a new card but said he really could not help other then waiving the replacement card fee. 

you should note that i have had repeated issues with chase and when i complain to them at best i get a follow up voicemail message from a branch manager who then hides behind his voice mail when i call back. I have even been lied to by the regional vp admin at there regional office XXXX and then they alo hide behind there voice mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
CHASE FREEDOM CARDThis company took it upon themselves to change my billing from US postage to some type of online internet banking without my permission. I called and told them I did not receive a statement and they said I changed it to on line billing ... THEY ARE LIERS. They credited the fees and charged interest and said they were going to send statments as they have always did through US mail. Again they pulled the same trick and did not send me a statement and are now charging me over {$43.00} in fees. WILL NOT CORRECT THE PROBLEM. I had no other choice than to close this credit card account to avoid their scam.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-03 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I would like to dispute the Chase credit card on my credit report. I never applied for any credit card.

Company response to consumer: Closed with explanation