vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Quality Recovery Services, Inc.
State: MA

Complaint narrative:
I started communications via phone and email with this company QUALITY RECOVERY SERVICES INC XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX in regrads an amount of money owed to Date Reported : XXXX Date Assigned : XXXX Creditor Classification : Rental/Leasing Creditor Name : XXXX XXXX XXXX Account Number : XXXX Account Owner : Individual Account. 
Original Amount Owned : {$2300.00} Date of XXXX XXXX Delinquency : XXXX Balance Date : XXXX Balance Owned : {$2300.00} Last Payment Date : N/A Status Date : XXXX Status : D - Unpaid Comments : Consumer disputes after resolution I 've disputed this account with XXXX numerous times and still have not received any resolution to properly handle this so called debt or even proper documentation that would proof or show that some sort of contract was made and signed by me obligating me to pay this amount of money, maybe a bill for services provided to me or of any goods sold to me but so far nothing I 've also talked on the phone to representatives from this company and i gave them my current mailing address, phone number and email so they could send validation of this debt but instead what they did was to use the information given by me to them as method to verify information with XXXX which ended my second attempt to dispute the debt through XXXX I have started a XXXX attempt through XXXX fraud dept to dispute this debt conf # XXXX initiated XXXX/XXXX/2016 with the purpose to help me close this item which is in the collections section on my credit report and that is currently hurting my credit score in a monthly basis preventing me from qualifying to apply for a mortgage to buy a house

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
Ocwen Loan Service and I are in arrangements to take care of a back payment I owe on mortgages attached to my mother 's estate. As the executor I make arrangements at certain times of the month to pay portions off in hopes of remaining current. 

Despite me making these arrangements, I get back to back calls while at work on my cell phone WHICH I ALSO USE FOR MY LINE OF WORK! These calls come sometime just days AFTER I paid a portion of this debt. OCWEN KNOWS my next payment date may be weeks off or even the next month! 

Last week I instructed them NOT to call at work. I gave them an after hours time frame ( which they can easily accommodate ) if they must to reach out ( the money wo n't arrive ANY sooner but hey ... ) The rep at Ocwen looked down at a series of notes and acknowledged that they were calling before the next payment cycle. Therefore making it a lost cause because there are n't any funds until that scheduled day. This morning at work I get XXXX back to back calls and a voicemail. OCWEN KNOWS my next payment is on XXXX but I will probably get about XXXX or XXXX calls ALL DURING MY WORK HOURS!!! All they have to do is look at the notes and NOT call. They WILL get their MONEY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
I paid my mortgage with a personal check to OCWEN on XXXX/XXXX/2016 for my mortgage. It took them 12 days to cash the check. The check was cashed on XXXX/XXXX/2016 and on XXXX/XXXX/2016 they send me a statement stating that I am past due. I am not past due. I called them today XXXX/XXXX/2016 and spoke to XXXX, relationship manager, and she confirmed I am not past due and she has NO IDEA why they sent me this notice dated 5 days after my payment stating I am past due. I would like to have a corrected mortgage statement. Someone is making errors at the bank on my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
Per a credit report pulled in XXXX and disputed several accounts listed with all XXXX credit agencies, as the accounts were not even mine. XXXX XXXX Account XXXX, Sears.CITI Account XXXX and XXXX XXXX XXXX Account XXXX. All XXXX of these accounts belonged to a different XXXX XXXX. Additionally, there was no social security number on file for XXXX of them, and there was also an invalid address attached to my credit reports for the state of XXXX and I have never lived outside of the state of XXXX in the XXXX years of my existence. When calling XXXX the representative told me in XXXX that name on file was for a XXXX XXXX XXXX, that there was NO social security number captured from that person for the account AND when reporting the credit situation, they did n't know where to attach it so they put it on mine. These XXXX companies have attached information for someone named XXXX XXXX to my account since XXXX, which has impeded my ability to secure fair interest rates or even securing loans to purchase vehicles or a home. Lastly all XXXX of these companies informed me when calling in XXXX that my social security number was not even in their system, and upon formally disputing these items with the XXXX credit reporting agencies, it took over 2 years and more than one attempt to get these items removed from my credit report. In XXXX, I was refused a car loan, in XXXX I secured a car loan for a rate of 10.75 % interest, in XXXX and XXXX I was refused home loans when attempting to purchase and as a result was required to relocate myself and my children XXXX times in seven months shortly after their father passed away.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: SC

Complaint narrative:
Owen Loan Servicing is reporting a foreclosure and a charge-off XXXX mortgage on my credit reports with varying dates of last activity depending on the credit reporting agency. I contacted Ocwen 's Consumer Ombudsman office requesting payment history on these accounts. The representative was helpful and mailed my request in a prompt manner. The payment history reflected a date of last activity of XXXX, XXXX. I forwarded these documents to XXXX, XXXX, and XXXX upon receipt, yet they advised me that for the corrections to my credit reports to be made that they need Ocwen to forward these documents directly - I certainly understand their requirement due to the possibility of the documents being altered by a XXXX party. At this point, I contacted Ocwen asking that they mail the payment history to all XXXX CRA 's ( which one would think would be a reasonable and simple request ). XXXX, the ombudsmen representative called me on XXXX/XXXX/XXXX stating that they can only send information electronically. I advised her that the electronic information is incorrect, yet she refused to honor my simple request and stated she could not help me any further.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
Have been working with a housing counselor for a modification since XXXX of 2015 to get a modification through OCWEN. Although all the paperwork was submitted, OCWEN always came back with new things that needed to be submitted. I have given them everything they have been asking for. The final submission was in XXXX of 2015, I was told that I didnt qualify for HAMP but yes for an internal program, just send in the non borrower consent form & rental receipts which I did. I did n't hear anything. I went to make a payment and was told that my loan was sold to another company and OCWEN no longer was in control of the situation? I never got any documentation on this, I am still getting statements from OCWEN, I have no idea who has my loan now and my payment I sent has not been cashed. I was told just send in those last few docs and I would be approved I did and now this? I do n't know what to do at this point. This has been going on now for over 7 months, I just want my loan modified.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Just before XXXX, I XXXX XXXX had my debit card number compromised. When i noticed a negative balance on his account a week later, i immediately reported fraud and was issued a new debit card. Chase reimbursed each transaction totaling almost {$1300.00}. 


However, Chase reclaimed this money on the flimsy defense that because i did not log into his online account during the fraudulent activity, it made me liable -- even though i reported fraud the moment he noticed it, well within Chase 's policy that requires its bankers 60 days to report fraud. 


There are many variables as to why someone would log into their account or not. For me, I had a surplus of money in my account and my bills were paid, so i did not need to check his online accounts as frequently that week. Instead, i freely spent my hard earned money on gifts and social engagements during the holiday season. 


But when i logged in a few days later and noticed his account was drained, he did what anyone would do -- he closed his account and reported fraud. I have since made a police report as well. Also may i add i was never notified by chase of fraudulent activity i found it myself and reported it from looking at my online information. 

Chase 's reasons for not reimbursing XXXX XXXX based on online login patterns are suggestive and unsubstantiated. The patterns Chase should be concerned with is that of blatant fraudulent activity that Chase should have been monitoring to alert him. Chase has an obligation to protect their customers from fraud as a member of the FDIC. 

Even the Branch Manager Vice President, XXXX XXXX, immediately recognized that transactions on a debit card issued solely to myself were being made in both XXXX and XXXX sometimes within hours of making purchases in his my of XXXX, XXXX. Also, the charges in these XXXX other states were always made at gas stations -- sometimes several in the same day -- for similar monetary values of {$100.00}. These are patterns of fraud that is evident in concrete FACTS. 


To think that Chase is more concerned with the subjective patterns of login activity instead of obvious patterns of fraud is downright absurd. Chase is violating their own policies and practices -- the 60 day reporting policy for fraud, the zero liability as a Visa card holder, and the membership Chase holds with the FDIC. 


Due to Chase 's unethical business practices, i had to borrow {$880.00} from family to cover my XXXX 2017 mortgage payment so that he does not default I am appalled at the conduct of this bank and expect Chase to reimburse me so that I may recover my funds as soon as possible. 

But even still, Chase REFUSES to reimburse me. 

Chase Claim # XXXX ( Document Included ) Police Case # XXXX XXXX XXXX XXXX XXXX ( Document Included ) Chase Acct. # XXXX Ive also included my bank statements which show transactions in both states at both times.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-27 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
My Macy 's American Express account was taken and used fraudulently. An identity thief called the Amex/Citi customer service line, changed the address of my account XX/XX/2015 and used the card fraudulently. Amex/Citi allowed the thief to compromise my information, changed the information, and then provided them with a new card and mailed it to the fraudulent address. I noticed I had not received the Macy 's statement and called in to report it. I have been unsuccessful after several calls to Amex/citi in having them provide me with a history of the fraudulent activity. I have been at this for a few weeks and I have not been provided the information so that I can submit an affidavit of of fraud with them. My credit scores have deteriorated and Amex/citi who allowed for my information to be compromised has been uncooperative in having this resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-01 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
Opened a new account checking with Citibank. I was supposed to get a bonus deposit as part of the account opening terms. Citibank has not given me this bonus after almost 3 months of having met the terms of the agreement.

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 2016-06-15 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I opened a Citigold checking account because of a promotion Citi was running where if you met certain criteria with the account, they would give you XXXX XXXX XXXX miles. Well I opened the account XX/XX/XXXX and met the criteria XX/XX/XXXX. A month later I messaged a Citi representative to inquire about when I would receive the miles, and she guaranteed that I would have them in my AA account NO LATER than XX/XX/XXXX. So in between XX/XX/XXXX and XX/XX/XXXX I have been paying fees to have this account open. Well XX/XX/XXXX has come and gone, so I emailed Citi again, asking where the miles were. They then told me that they had opened an investigation of some kind, and said that I may not qualify for the promotion, even after I was told by a Citi rep that I was qualified and the promotional offer was attached to my account. This seems like a classic bait-and-switch to just get my money for the absurdly high $ XXXX monthly maintenance fee.

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 2016-06-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I am a current client of CITIMORTGAGE CO. and I have been trying to refinance my mortgage with them since XXXX 2016. It is now XXXX XXXX of 2016. I am trying to go from a 7 year arm into a 15 year fixed Loan. I have been with CITI for over 10 years and I have NEVER missed a payment. I have an excellent credit score also. Around XXXX. They keep telling me my amount needed close is going up and I need to verify funds. I have done this once already and now they are needing to verify funds AGAIN. It takes them days to get back to me and never follow through with showing me in writing what the figures are. My rate was quoted 3.25 % and current rates are XXXX and my locked rate has since expired. I was told that this would be very easy to do, since I am staying with them and that the cost would not be very much. I went from them needing {$1100.00} to over XXXX? And it is still not being completed. I have never had to experience so much stress and frustration in my life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-13 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
On XXXX XXXX, XXXX I received a letter from Macy 's credit card saying that I had a past due bill. I always make on-time payments and so was surprised to get this notice. I had not received a bill from them. I have always received e-bills in the past and have not changed my email address. I followed the usual procedure that I have in the past to access bills online but was unable to access a bill. 

On XXXX XXXX, XXXX I called the number on the letter and was told I owed {$300.00} for charges made on XXXX XXXX, XXXX. This included {$160.00} in charges for merchandise purchased and the remainder in late fees and interest charges. I paid the {$160.00} immediately and asked that the late fees and interest be refunded since I had not received a bill for the {$160.00} in charges or instructions for how to make a payment. I was told that they could refund {$74.00} in late fees now but that I would have to call back in 3-5 days to have the additional {$64.00} in late fees and {$7.00} in interest refunded. I will do so but have a number of concerns : 1. It was never explained to me why I did n't receive a bill when I have received e-bills in the past, and as I said above, I have not changed my email address. I 'm concerned that other people may be similarly affected by this. 
2. I 'm concerned that there may be negative information listed on my credit report as a result of this incident and would like to be assured that all negative information will be removed since I should not be held responsible for any late payments because I never received a bill. 
3. I also want to be assured that all fees and interest will be refunded to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-31 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
I received a pre-approved application for a credit card from Citi ( bank ) / XXXX XXXX XXXX XXXX XXXX XXXX. I went on line to complete the application process and was declined. I followed up and called the number on the application and went through the application process with a representative. Again, at the end, she said it was declined but refused to state why. The individual on the phone would not provide a reason for the decline and said that Citi would send a letter explaining the reason. 
The letter from Citi was received on XXXX XXXX, 2016 and provided the reason for declining the application. It stated : " Too few satisfactory credit references were recorded on your credit bureau report '', and " The consumer reporting agency serving your area has reported only a limited credit history for you. '' The credit bureau used was XXXX. 
I obtained a copy of my credit report and it stated, " There are XXXX potentially negative items on your report. '' It also said, " You have XXXX accounts in good standing in your report. '' Additionally, my husband and I both have XXXX credit scores at all bureaus. 
I called the number on the letter ( XXXX ) and spoke with a XXXX ( # XXXX ) about the letter. My husband spoke with XXXX for a majority of the call. He explained that we have a copy of the credit report and shared what it said. There were no negative items and all accounts were in good standing. 
XXXX said he was looking at the report as well and did n't understand why it had been declined. Everything looked good. 
XXXX put my husband on hold several times while he could try to locate a supervisor so that we could restart the application. Again, several times, XXXX stated it was, " ... weird and I 've never seen anything like this. '' After 27 minutes, XXXX stated that they would not be able to process the application. He would not provide an explanation for the decline. 

Based on the credit report, credit ratings, and our income level, there was no reason to decline the card. The only explanation would be either discrimination against me for being a female or being married. There is nothing in the credit reports to substantiate a decline of this credit card. 

As a note, neither my husband nor I carry any credit card debt. We have a home mortgage and a small consumer loan of approximately {$5000.00}. That is the extent of our debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-10 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I was asked to get a loan for XXXX school that I was attending since I couldnt get assistance from the school since my parents made too much money. I went to citi bank and applied for a loan and they mentioned that me and my mother did not qualify so we went on and I had to drop out because I could n't get any help. two years later I got a bill from the bank saying that I owed them money and I had no idea that I was even approved so I got to talk to the bank and mentioned that they sent the money to the school and I was not informed about the situation now the debt is XXXX and I do n't know what to do I also tried to contact the school and left voice mails and no response back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
3rd party collection agency FCBS calling multiple times and hanging up, then refusing to tell me why they are calling. Finally they disclose an attempt to collect a debt which was paid in XXXX 2015. I have advised them to cease and desist.

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 2015-05-02 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I recently received a copy of my credit report. The credit report showed a credit inquiry by Best Buy that they do not recall authorizing. I understand that Best Buy should n't be allowed to put an inquiry on my file unless I have authorized it. when I called credit Bureaus companies ( XXXX, XXXX & XXXX ), they refused to dispute this inquiry and they said to me to call Best Buy to remove it. when Best Buy called, they refused to remove and they asked me to call credit Bureaus companies and dispute it. I asked Best Buy what reason that Best Buy wanted to my credit file. They replied that we do n't have any information or record why we wanted to your credit file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief