vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
1. On XX/XX/XXXX I entered into a loan modification agreement with Ocwen Loan Servicing that was offered to reinstate my mortgage. At the time of the modification, the balance of my first mortgage loan was {$84000.00}. The approximate balance on my second mortgage loan was {$24.00}, XXXX. 

2. In XX/XX/XXXX, I received an IRS form XXXX for debt cancellation from Ocwen Loan Services in the amount of {$77.00}, XXXX. According to the form I received, the amount was discharged on XX/XX/XXXX. 

3. Since Ocwen was the servicer on both my first and second mortgages and they offered a solution to help us, my husband and I were lead to believe that the second mortgage was modified as well. 

4. On XX/XX/XXXX I requested a pay off quote for our first and second mortgage. I was informed that our second mortgage was sold to a collection company by Ocwen Loan Servicing on or around XX/XX/XXXX. I was not even aware that the second loan existed because we were lead to believe that our mortgage was modified and both first and second loans were included. 

XXXX. What actually occurred is that Ocwen Loan Servicing offered what appeared to be modification solution to help my family, however, the discharged amount created additional tax liability, the balance of my first mortgage loan was not accurately adjusted to reflect the amount of debt discharged and Ocwen sold the second mortgage to a collection agency five months later without my knowledge. In fact Ocwen committed unethical and illegal underwriting practices. Ocwen created additional financial duress and burden by presenting what appeared to be a solution, but was actually misleading.

6. I contacted Ocwen Loan Servicing regarding the charged off account and was told that the second loan was not modified. Since the second loan was not modified, there is an accounting discrepancy. The principal balance of my first loan should not have been {$42000.00}. At the time of the modification ( XX/XX/XXXX ) the balance of my first mortgage loan was {$84000.00}. Ocwen Loan Servicing cancelled {$77.00}, XXXX per the XXXX I received from Ocwen. 

7. When I contacted Ocwen on or around XX/XX/XXXX about the discharged debt and incorrect principal balance, they were unable to explain the discrepancy.

8. On XX/XX/XXXX, I attempted to log into my online account and Ocwen Loan Servicing has blocked my access to my online statements.

9. I have been a victim of discrimination due to race and socioeconomic status. Ocwen Loan Servicing attempted to take advantage of our financial hardship. Ocwen is in violation of Truth in Lending Act and the Real Estate Settlement Procedures Act, as well as the Equal Credit Opportunity and Fair Housing Act.

10. I have attached a copy of the IRS form XXXX as well as account activity for my first and second mortgage loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
I have been a member of Golden One Credit Union, I was looking for a good credit card so I talked to a local representative about their XXXX  card. I was told that it was a fixed APR at 10 % as long as I am a member. I recently received a letter telling me that they were changing to a flexible rate ... I did not want that new I want what was promised me when I applied for. The closed out my card ... I want my card at the rate promised when I applied ...

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 2018-03-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received a copy of the condition report and the amount due on a lease from Chase. There was NO damage to my car except the pitted windshield claim for {$20.00}. I am appalled that they can lie and add these charges since they probably think no one will complain. I dropped car off at a XXXX dealer and there was NO damage as they claim. Additionally if they claim that I did not do the voluntary pre-inspection, they made this impossible to scheduled for a full time working single mother. They should be liable for these lies. 

Additionally - It does not cost {$350.00} to fix a " light scratch '' and please see the other charges in the attached paperwork. The prices are outrageous and NOT in any paperwork I signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: WI

Complaint narrative:
In XXXX I was using XXXX XXXX XXXX as my internet provider. I repetaly lost service for days and weeks at a time. After many phone calls I was sent to a XXXX XXXX XXXX retention person that offered me a reduced rate for the duration of my service with them. In XXXX my bill significantly increased by over 30 %. I called yet again but was told that the rate the gave me was expired. I asked them to stand by the verbal ( recorded ) offer or cancel my service, they canceled. I later received a bill for over {$250.00} for canceling, late charges and the bill at inflated rate. This debt was sold to a collection agency that constantly contacted me to the point of abuse. I offered {$100.00} to settle and have them remove from my credit but the yelled at me and declined. The debt has know been sold to the third credit company and has negatively effected my credit yet again. I would like this removed without the chance of been submitted to another collection company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In XX/XX/XXXX, I asked that my account be updated as it was showing that it hadn't been reported since XX/XX/XXXX. I pay this account every single month and am up to date on my payments. on XX/XX/XXXX, TranUnion deleted my account because they weren't able to reach the creditor and dropped my credit score by almost 100 points. I contacted them and they advised me to contact the creditor directly and ask them to resubmit the account. They stated that they will not do anything further because they already report it each month. Even though it wasn't showing as reported since XXXX. I called TransUnion again and they said they tried to reach out to them electronically with no response and they deleted it. I contact XXXX XXXX ( creditor ) and they stated that they do what they are supposed to. I spoke to the owner and he stated that there is nothing wrong showing on their end. I advised him that all Transunion is asking that they call and add the account back on and verify. He refused saying he does what he is supposed to do and that's all he is required to do. this was all via email in writing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
CitiBank has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
XX/XX/2017, I received a notice from Select Portfolio Servicing, that claimed that I was to begin paying them, as they had become my new loan service provider. 
I initially believed it to be a scam, as it was a generic letter, and I had not received any notice from XXXX XXXXXXXX XXXX, who had been the current servicer. I requested loan documents, and a copy of the note. They sent me an electronic copy printed from their computer, of all the files they had relating to my mortgage, but no " Certified Copies '' of ANY original documents. I repeated my request multiple times, and received the exact same printout 4 times I believe, but still not a certified copy in the mix. They informed me that I could drive 15 hours each way, and view it in their XXXX XXXX XXXX office, where they keep them, and I informed them that they were not complying with R.E.S.P.A., and that they were required to send me a " Certified Copy '' and not just a print from a computer file. 
Several tries later, I was finally contacted by a man from their Ombudsman office, who agreed that they would send an actual certified copy of the Note, and other relevant documents. This did not happen. I have contacted them several times over the last 8 months, and have met the same exact end, no " Certified Copy '', and their office declaring they have met their obligation. 

They also changed the impound account amounts as soon as they took over this account, which they claimed they don't do, and increased the amounts by nearly {$150.00} per month, and could not explain adequately why, since there were no changes on the insurance or tax amounts being billed. Claiming that they don't do that until they have had it long enough to evaluate if there will be any shortfalls or overages ... yet they did it anyway. 

This lead to further concerns on my part. If they can just change things at their discretion, where will it stop? 

While I am not in default, I have been paying this under duress. I have been trying to work with them, but am afraid that they DO NOT actually possess the " Original Note. '' While this is not a huge issue at this moment, if I continue to pay them until the property is fully paid off, and someone else actually owns, or possesses the actual note, they could not sign off my property, or return the note to me. I could also lose my property to the actual note holder in the future, if they decided that I did not pay, or suddenly decided I owed a tremendous amount of back payments. 

While Select Portfolio Servicing was legally obligated to provide Certified Copies within 30 days from my request in XX/XX/2017, I am still waiting, and want those copies as requested. 
If they do not actually possess the required documents, I want the information on who does. Also for S.P.S. to stop collecting a debt they do not legally own.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
A short while after opening the XXXX account, I called ( unfortunately I didn't write down the female 's name or the date ). I did not understand how the payments posted if you have delayed interest along with regular purchases, so I called for an explanation so I would not have to pay the interest in the special financing purchase.. What I was told after calling on XX/XX/28 and speaking with XXXX regarding the interest of {$350.00} posting to the account and what I was told previously did not match. I know that some representatives explain information different/incorrectly at times, but if they sound confident, like the representative I spoke with on the first call, I usually don't make a second call to verify information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Credit Network Inc
State: CA

Complaint narrative:
To Whom it May Concern : I have been dealing with Financial Credit Network ( FCN ) for several months now. This is in regards to ( 2 ) accounts with them -- XXXX and XXXX. Please be advised I have MUCH documentation if requested. When I first received collection notices, I immediately disputed the attempted debts as 1- I had no knowledge of the presumed debt ; 2- the presumed debt did not belong to me ; 3- I did not agree to either of these presumed debts. I asked for ALL documentation listed above. I have sent ( 3 ) certified letters regarding each listed account. FCN says they have confirmed the debt, but has yet to show me ANY of the information I listed above. THEY HAVE NOT PROVIDED ANYTHING WITH MY NAME. Not one document. NOT one document stating that I had knowledge of the debt. NOT one document stating that the debt belongs to me. NOT one document showing that I agreed to this debt. They are unable to provide this documentation because it does not exist. The debt does NOT belong to me. I did NOT agree to this debt. I am NOT responsible for this debt. 
On a letter dated XX/XX/2018, FCN wrote " they confirmed when XXXX went in for services you told them your insurance would be paying. '' First off, I have NEVER spoken with anyone at that office. And secondly, when does " you told them '' count as proof even if it was true. The letter also states " Unless our office received supporting detailed documentation from you providing you not responsible for these charges, we will consider all these issues addressed. '' This is illegal. The burden is on them to provide PROOF that I had knowledge of, the debt is mine and I agreed to this debt. Again, they provided NONE of that information. And now they want me to provide detailed proof the debt is not mine. I sent proof ( 3 ) times in the form of disputes asking for ANYTHING that proves the debt is indeed mine. 
They have violated my rights, several times now by continuing to collect on debts that they have FAILED to show that I am liable for. They claim they have sent documentation, but the few papers they have provided, DO NOT SHOW MY NAME OR INFORMATION ANYWHERE. They have called me when I sent a cease and desist letter. I have spent time and money sending repeated letters that have yet to yield ANYTHING with MY name on it at all. They have threatened me with negative credit reporting. They have placed the burden of proof on me, yet they are a collection agency. 
I am looking for action. I am looking for immediate resolution in this mater. The resolution I am seeking is that this matter is dropped ( obviously ). I am looking that FCN is held accountable for their uncompliance with the FTC/FDCPA. 
Please let me know you need any correspondence I have received and/ or sent. 
Thank you for your attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
The XXXX have worked with Chase and XXXX for well over a year now to avoid having their home go to foreclosure. They have lost their income and are living with their children. XXXX XXXX has suffered 2 XXXX XXXX in this last year. Finally after involving the CFPB I have received the attached approval of the Short Sale from XXXX, the first lien holder. I also received the attached payoff demand from Chase. Finally we thought the transaction could close and the banks would receive their payoffs and the XXXX  could move from under this cloud. 

The Chase payoff which was executed last week was expiring on XX/XX/2018. Escrow requested it be extended to match the terms of the first lien approval. I received a call this morning at first claiming the demand was never sent, then claiming it was sent in error. When pushed if they would honor it, XXXX said sure, if you close in 5 days. Very glib and sarcastic, knowing that was impossible. So here the XXXX are again suffering form the Chase runaround, a year later. I am sending, faxing, mailing documents to Chase, they claim not to receive. I have attached the documents I have referenced.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America has reopened a forclosure lawsuit after being given a Voluntary Release and Dismissal of Lis-pendens dated XX/XX/2013.

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 2018-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: NY

Complaint narrative:
Discover has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: WESTERN UNION COMPANY, THE
State: MA

Complaint narrative:
On Friday XX/XX/2018 I went to Western Union branch at the local supermarket to transfer {$1500.00} US dollars to XXXX ( tracking number XXXX ) When the person I was sending the money to went to the bank to get the money they were informed that it will paid in local currency and not US dollar. Further more the exchange rate was lower than market value by about {$30.00}. I called WU to get an explanation but I was informed that I chose this option when I sent the money, I then informed the person on the phone that I wasnt given an option at the time of the transaction and that when she informed me that it stated on the receipt. 
Upon reading the fine print on the receipt I found that WU makes more money in addition to the fee charged from converting the currency. I even went on their web site to find out if they ask at any point how would you like the money to be received and found none. 

I feel WU acted in a deceiving way to make more money from my transaction and failed to inform me of my rights in regards of how will the money be paid out.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
A student loan from Wells Fargo was taken out by my daughter who e-signed for {$15000.00} for XXXX XXXX on XX/XX/XXXX. She used me as a cosigner without my consent and again e-signed for the loan. I was at work at the time at a XXXX  XXXX XXXX and was unable to use a computer to e-sign for the loan I did not give my daughter permission to use me as a cosigner. She has since defaulted on her school loan which has left me financially responsible for it. I have contacted wells Fargo about this incident. I even hired a lawyer to try and resolve this issue They keep sending me fraud packets of which I have sent them the documents that I feel are relevant to this case.. They wanted hand writing samples which I said were not pertinent to my case because nothing was signed. It was all done on the computer. 
I spoke to XXXX XXXX XX/XX/XXXX about the fraud complaint and they are giving me the run around. I only have a few more days and if I don't give the hand writing samples they are closing the case and I will be responsible for paying the full amount of the loan. The person I spoke to didn't seem to have a clue to what I was talking about. And said he would get back to me within 10 days which would be well past the 14 day time limit that they gave me in writing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TCF NATIONAL BANK
State: MI

Complaint narrative:
TCF was the bank that I had my small buisness account with for the last 4 years, they have recently went to online digital banking and so when I pull up my account to watch funds I see a running balance, that is not accurate, they hold funds and then they return checks even while the funds are there. They recently the week of XX/XX/XXXX thru XX/XX/XXXX paid and returned 90 percent of my payroll checks, even while having funds in there, I had employees say that they had the funds and then the money was taken away 4-5 days after the fact. It has cost me from TCF as well as abank charges that my employees incurred. The management at the bank could not even make sense of why there were so many returns, I think these banks are taking advantage of people. It saddens me, and I went and closed the account, but in the end over 4 years, they have cost me around 3000.00 in return fees, that there is no reason things should have been returned, there needs to be better laws on these instutitions. 

Shameful XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: CNG FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX is a creditor reporting on my credit. They sold the debt to XXXX XXXX, XXXX. XXXX XXXX went through proper channels to send documentation stating they own the debt. At least six months to a year went by and XXXX XXXX then sold the debt to XXXX XXXX XXXX. XXXX XXXX XXXX has not sent any documentation proving they now own the debt. I did speak to them once to obtain a letter that reflects a payment arrangement. I did not sign the payment arrangement agreement. They got my debt in their office and started calling me along with my boyfriend before sending any documentation via mail or email. The one document I did receive was a payment arrangement that I did not sign. They still proceeded to take my payment anyway without my signature and have left me two voicemails today. I have zero evidence that they own this debt and each voicemail they leave keeps getting more aggressive & threatening each time. They are in violation of FCRA, as they are contacting me about a debt for which they have no evidence, if they do they have failed to mail or email me.

Company response to consumer: Closed with explanation