vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
I have a 2nd mortgage lien ( HELOC ) recorded in my town registrar 's office for $ XXXX. The recording is dated XX/XX/XXXX. XXXX Bank is listed as the creditor. XXXX was absorbed by XXXX who sold it to a debt collector XXXX XXXX XXXX and is now out of business. I am current on my first mortgage with XXXX XXXX XXXX. The property is underwater on the first lien with XXXX and so extremely underwater on the second lien. At free of charge and only commissioned based ; I contracted with a California firm who locates 2nd mortgage servicers and negotiates down the principal balance in exchange for the negotiated settlement. Again, for free of charge they have reached out to XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, and XXXX. They worked with the CEO and head of XXXX XXXX XXXX and my servicer has not been found. The last correspondence I have is from XXXX XXXX XXXX, dated XX/XX/XXXX. XXXX was collecting for XXXX XXXX, XXXX. 
The correspondence from XXXX was a request for {$16000.00} or 17.5 % of the $ XXXX balance. I disregarded that offer because at the time I could n't afford a lump sum of $ XXXX. I am simply trying to locate the current lien holder so I do n't have the need or expense to pursue a XXXX XXXX XXXX. I 'm not sure who the lawsuit would be filed against because there have been numerous companies in the chain of title but only XXXX has recorded a instrument. If I was paying an entity then I would n't be confident I was paying the correct company since many could claim ownership without filing the property recordings. I want proof of ownership of the debt with a " blue ink '' signature and not a " copy '' of a Deed or Note of which there are obviously numerous. 
Can the CFPB help me locate the truthful owner of the debt? The trustee listed on the Deed Of Trust is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, CT XXXX. I 've attached XXXX statements, XXXX collections statements and the title search showing the recording.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: OH

Complaint narrative:
When I originated this loan I requested that the escrow account be established out of convenience and it was not required. Since that time the loan was sold to SLS.  At this point I would like the escrow account to be removed and for me to be able to pay my own insurance and taxes. I have had several conversations with SLS through this process and you can see through their response, requesting for the escrow account to be removed. At first I was told that the escrow account would not be removed because my debt ration of the house was at XXXX XXXX. After being hung up on by the agent, transferred to different departments, asking for a re- appraisal to be done and submitting a request for a re-appraisal using the guidelines that I was given by their representative. I was given incorrect information and was told that the re-appraisal had to be submitted a different way. I then submitted another request for a second re- appraisal to be done on the house and followed the guidelines given and told that the re-appraisal would be done. I then requested for the escrow account to be cancelled again and was told that the escrow account would be cancelled. To ensure that the escrow account would be cancelled I hung up and called back an hour later and was told by the representative that the escrow account would be cancelled. I also called a third time just to make sure and was told a third time that the escrow account would be cancelled. At that point I contacted, my local County tax authority and Insurance Company to have me billed directly for insurance and taxes. Only to receive a letter from SLS three days later that my cancellation request was denied. I then contacted SLS to ask them why it was not cancelled and no answer was given. I again requested a re- appraisal and was told by the representative that I would receive information via mail to have the re-appraisal done. I have yet to receive that via mail and I have received SLS response that they can not remove the escrow because the debt ratio is at XXXX XXXX and they are refusing to do a re-appraisal on my house. Lastly. I would like to state that my local tax authority has re-appraised my house and has it listed at XXXX more than when originally purchased, Yet SLS refused to do a re-appraisal in the feedback. Can you please work with this company to have my house re-appraised and have the escrow account cancelled so that I may pay my taxes and my insurance myself? I have a credit score of XXXX and pay my things on time and it shows in my credit history. This company has not received one late payment from me, in fact it has all been paid in advance.

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 2017-11-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Social Finance, Inc.
State: PA

Complaint narrative:
On XXXX/XXXX/XXXX I made a scheduled payment to my personal loan with SoFi in the amount of XXXX ( more than amount due ) for payment due on XXXX/XXXX/XXXX ( Monthly payments ). Recently SoFi has been pushing for me to set automatic payments via emails and notifications when I log into my online account. They also advertised a reduced interest rate for setting up automatic payments. Once the payment for XXXX/XXXX/XXXX cleared my checking account and my account with SoFi online reflected next payment due on XXXX/XXXX/XXXX I set up the automatic payments. Upon completing the steps for automatic payments a screen came up verifying that I would like to start auto payments effective for payment due XXXX/XXXX/XXXX. I verified that was correct and was then under the impression that my next payment would be auto drafted from my checking account with XXXX XXXX  XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX. SoFi then without my authorization deducted a payment of XXXX} on XXXX/XXXX/XXXX from my checking account with XXXX XXXX XXXX. This unauthorized deduction caused an overdraft of my checking account. My account does have overdraft protection but I was penalized a XXXX fee and I also had to stop another check that was out for that account. At no point did I authorize SoFi to deduct any form of payment from my account prior to XXXX/XXXX/XXXX. At no point did SoFi disclose that they would make such a deduction. I contacted SoFi customer service to resolve the issue twice. Each time I was told a different story as to what happened and no fair resolution was offered. I had asked politely to speak to a manager but was informed there was none available and they would call me back. No contact has been made on their end to date.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
My name is XXXX XXXX and I 'm a victim of Identity theft, Ive attached my FTC identity theft report. Can you please check to see if any personal or business accounts are open are open under my social security number. if so, can you please close the account and send every single statement to my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio Recovery, had repeatedly ignored my requests for proof that this debt is mine. Ounce sent them certified letters asking them to provide proof with no success. Now they 've logged a collection on my credit report. I am very upset and an considering legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Well I had a car with credit Acceptance during this time I was working but I lost my job. I was n't able to pay for the car no more after the continue threatening phone calls from them I told them I would surrender the car because they gave me that option. Since then credit Acceptance has auction this car off how they going to say I entered in another agreement with them when I did n't have a job to pay them.At the time I stayed in XXXX and the statue of limitations is up and now I 'm in XXXX the statue of  limitations is still up why do they still have this on my credit report when the car has been sold. I want them to remove this off my report ASAP. thanks XXXX XXXX.

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 2017-11-02 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax recently neglected to care for it 's data properly and thus exposed millions of people to identity theft. I should n't need to detail this, everyone in America knows that Equifax did not take the proper steps to secure it 's information. As such my information is now available on the internet despite me never agreeing to share any information with Equifax in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: PLS GROUP, INC
State: IL

Complaint narrative:
I took a loan out at PLS to send my daughter to college I was current with my payments up until the last month I missed two payments I tried to explain to XXXX XXXX XXXX I did n't have the funds due to my other unexpected bill for my car. I told them I can come in the store and make a missed payment they told me they do n't accepted partial payments. I asked the lady to work with me on my payments she said a manager will call me because they put my check I wrote them when I got the loan through to the bank. I stated do n't put that check through I will come to the store and make payments. XXXX caged this check on XXXX/XXXX/XXXX putting my account over XXXX dollars in the negative. I told them I did n't have the funds can they return it and I will setup payments they declined the lady in collection told me my account was paid and closed. A few days later I received a call from XXXX XXXX XXXX saying I have a balance of XXXX dollars with them I told her you guys just deposited a check for XXXX In my account I do n't owe you anything she stated this is interest from when we tried to deposit the check earlier in XXXX. Today I received a call from my HR dept stating this loan store sent an intent to assign wages for the full amount today. They already received their money and trying to get extra.

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 2017-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I noticed on Equifax they have my name as XXXX XXXX XXXX and my name is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a Fifth Third Bank XXXX, and paid off the entire balance on XXXX/XXXX/XXXX. My account has been overpaid by XXXX. I have called the bank at least 6 times, and each time I get a different explanation. To date the XXXX has not been received. I feel that this is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pan Am Collections, Inc.
State: KY

Complaint narrative:
Pan Am Collections repeatedly contacted me to collect a fee I did not believe I owed. Despite communicating with them regarding my dispute they continued to add fees to the original amount claimed. They made repeated phone calls including calling me and leaving a message from an unlisted number. They have proceeded to turn my account over to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for collection despite my good faith efforts to confirm and resolve fees owed in a timely manner to the original creditor. They failed to correspond with me for over three months following final payment to original creditor to indicate that they still claimed I owed fees and instead turned my account over to the aforementioned law office. This resulted in additional fees from the law office. The fees charged by Pan Am Collections and XXXX XXXX XXXX XXXX XXXX  are inconsistent, unclear, and not supported by the terms of the financial agreement I signed with the original creditor leading to confusion regarding debt owed. This financial agreement specifically states that I owe expense incurred by " my provider '' in collecting balance owed. According to provider, this obligation was met when the XXXX  collection fee was paid. Finally, law office left message on XXXX/XXXX/XXXX requesting I call. The call was returned by me on XXXX/XXXX/XXXX. XXXX XXXX at law office claimed that a letter had been sent to me on XXXX/XXXX/XXXX confirming the debt I owed. I informed him that I never received any such letter from the law office, despite residing at the same address Pan Am Collections and XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX and XXXX have utilized previously.

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 2017-11-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am the seller. The buyer is a XXXX veteran, who contracted to buy our home. 
XXXX chose to use Chase Bank for the VA loan. XXXX has been getting pushed around by Chase repeatedly being asked for multiple documents a few days before closing. 


Here is the situation : Seller accepted a position in another state in XXXX. The condition of employment was to obtain full residency. House was contracted to buyer in early XXXX with a closing date of XXXX. 

New employer flew seller back Thursday, XXXX to complete the closing and to be present on site for the movers that were assigned to move XXXX 's family belongings. 

Seller 's realtor attempted to contact the loan XXXX, XXXX XXXX several times to get confirmation of the closing. XXXX finally received communication on Friday afternoon, XXXX. XXXX business days before scheduled closing. Chase loan XXXX provided no information as to why. 


Detrimental Repercussions : Documents were signed off with the movers ( XXXX XXXX XXXX ) with an estimated delivery date of XXXX to sellers new home in Arizona, which was scheduled to close XXXX Due to last minute of change : o The contract with new home is hanging by a thread and could potentially kill the deal. 
Sellers will not have a place to live, which will cost seller hotel fees until such time we are able to find a place to rent Moving company, XXXX XXXX XXXX is quoting us an estimated cost of {$3700.00} for storage which my employer will not pay Seller will lose our money paid out for inspections Seller loss of XXXX loan application fee and XXXX have to start from beginning Requested Chase to help and escalate. XXXX will not respond to any calls or emails. Loan XXXX will not speak to anyone. 

Resolution we are requesting : XXXX at the end of XXXX week or very early week of XXXX OR XXXX and reimburse us for fees due to XXXX not communicating and not completing on time

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have an FHA loan for my home. When I purchased my property, because I live in a flood hazard area, I was required to purchase flood insurance, which I did. I have maintained flood insurance coverage for the entire life of my loan, and it is paid out of my mortgage escrow account. 

When the home was purchased, in XXXX XXXX, the amount of the coverage was approximately {$160000.00} with a {$1000.00} deductible, covering the principle amount of my loan with XXXX XXXX XXXX. The annual premium was {$2200.00}. 

Subsequently, Wells Fargo purchased my loan, on XXXX XXXX XXXX, XXXX they sent me a notice that said " at a minimum we require that you maintain flood insurance that is equal to 100 % of the replacement cost. '' I was advised that if I did not purchase the additional coverage myself, they would so on my behalf and increase my escrow payments accordingly. The initial increase in premium as a result was {$280.00} per year., to {$2500.00} In XXXX, the premium was again increased, to {$3200.00} XXXX as the replacement cost increased XXXX. 

In XXXX, the premium increased again to {$3400.00}. 

In XXXX the premium increased again to {$3900.00} And again in XXXX {$4100.00}. 

I discovered in XXXX, that Wells Fargo 's requirement that I maintain the full replacement cost coverage was in violation of the laws regarding insuring FHA properties. The law clearly has been, since at least XXXX has been : " The amount of flood insurance required must be at least equal to the lesser of : a ) The combined outstanding balance of all loans and maximum line of credit limit b ) 100 % of the estimated replacement cost value of the building ( XXXX ) determined by the hazard insurance provided c ) The maximum limit of coverage available under the XXXX XXXX XXXX XXXX " Meaning, for the last 4 years, I should only have been required to carry an amount equal to the principal. 

As of when I discovered this that principle was about {$140000.00}. I contacted my flood insurance provider, XXXX, in XXXX to reduce my coverage in accordance with federal law, their response was that coverage could not be reduced mid-term. 

As a result of Wells Fargo misrepresenting the law regarding the minimum coverage amounts, I have spent at least {$6000.00} more than I should have on my flood insurance, based on what I was initially carrying. Since the principle has gone down each year, my flood insurance premiums should also have been going down, so my total losses are probably more than the {$6000.00} estimate. 

When I contacted Wells Fargo to discuss this in XXXX XXXX, they took over a month to reply, and their reply was a perfunctory denial of my request for any relief and a denial that they done anything wrong. At this point, I feel that I have no choice but to file a complain with the CFPB.

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 2017-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BTH Management
State: TX

Complaint narrative:
The aforementioned credit collection agency representing XXXX XXXX XXXX has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, XXXX and XXXX. 

The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX XXXX  does not have any documentation, they need to retract this from my credit file immediately.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX and I 'm a victim of Identity theft, Ive attached my FTC identity theft report. I believe that my accounts have been used fraudulently in the past and currently. Can you please check to see if any personal or business accounts are open under my social security number or have been open in the past. if so, can you please close the account and send every single statement to my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN # XXXX

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 2017-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
The aforementioned credit collection agency representing XXXX XXXX has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX XXXX and XXXX. 

The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If MIDWEST RECOVERY SYSTEMS does not have any documentation, they need to retract this from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CAVALRY INVESTMENTS, LLC
State: NC

Complaint narrative:
They have been calling harassing me and I have no recollection about this account.

Company response to consumer: Closed with non-monetary relief