BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-21
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have asked Hunter Warfield to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
ocwen refuse to give us a modification. they foreclosure. sale date XXXX/XXXX/2015. 
we were approve for a short sale on XXXX/XXXX/2015. and Ocwen file foreclosure sale date of XXXX/XXXX/2015. they refuse to cancel the sale date and refuse to work with us on our modification/ we do not want to lose our home because we have no where to go. 
we need your help to stop the sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
So I owe about XXXX in federal loans I have been off of work for over 2 years got pregnant and was placed on bed rest because I carry my babies pretty low. Then I called Niviant witch is the company that handles my loan to get on an agreement but thay only offered me one way out and that was to pay {$590.00} for a year and reapply for the same program every year because im out of work I dont have {$590.00} to pay them I asked if there was any other option but unfortunately thay couldnt help me any further so now im place on default. Ive been calling different places to get some answers my school ( XXXX ) closed down due to fraud and I thought my student loans could be forgiving but because my school closed after I graduated I didnt qualify for forgiveness either. Im out of options is there anyway I can get some type of help for people struggling on paying there loans? Thank you so much for your time. 
XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: Caliber Home Loans, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I " XXXX XXXX '' along with the help of my XXXX housing counselor applied for a loan modification for my property " XXXX XXXX XXXX XXXX XXXX NY XXXX loan # XXXX " with Caliber Home Loans. We submitted a the loan mod packet on XXXX/XXXX/2016 via fax. As of XXXX Caliber informed us they has a complete packet and it was sent to underwriting on XXXX/XXXX/2016. We followed up via phone every week after that to make sure the underwriter would not need additional docs. My housing counselor and I spoke with an agent on XXXX/XXXX/2016 and we were told packet was complete no additional docs needed, We spoke with Caliber on XXXX/XXXX/16 with XXXX teller XXXX and we were told loan still in review and no additional docs needed. Finally on XXXX/XXXX/16 30 days after it was sent to underwriting Caliber requested an updated bank statement for borrower which we then sent via fax on XXXX/XXXX/16. We called on XXXX XXXX, 2016 and we were told that bank statement received and that now it was sent to underwriting and we have to wait another 30 days for a decision. We explained that Caliber can not add an additional 30 days to decision process since the underwriter had a complete file for 30 days and only in the last minute the underwriter decided to now ask for a bank statement witch we sent within 48 hours of the initial request, Caliber just kept repeating the same thing " just wait another 30 days '' My housing counselor asked to speak with a manager and spoke with XXXX teller id # XXXX and she said she was a manger and that she would e-mail the underwriting department and underwriting supervisor to make sure they make a decision and are being compliant with underwriting guidelines, she then told us to call back tomorrow and we would have a better idea of when a decision will be made. We called the next day and spoke to XXXX teller id XXXX and we were told that file was in underwriting and wait additional 30 days. My housing counselor explained the conversation we had with a previous manager XXXX the day before and then we were was told that XXXX is not a manager so she basically misrepresented herself on the call the day before. We were then transferred to another person who told us he was a manger XXXX teller id # XXXX, My housing counselor had to explain the whole ordeal to him and he basically said just " wait another 30 days ''. XXXX did not care that underwriting had a complete packet for 30 days and just wanted us to get off the phone. This is why I am filing a complaint against Caliber Loans in regards to my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We had a mortgage with XXXX and had difficulty paying due to daughters accident, and they offered us to apply for a modification from a phone representative, and said we pre qualified and we sent in all required documentation. And we were advised not to make payments on the file. Around XX/XX/XXXX we called to check status and they advised we were denied, but never got written confirmation, so we contacted an attorney, since they started the foreclosure process. We set up a mediation and attended and come to find out our loan was sold to Caliber, at this point me and the wife were in a separation of marriage, so she wanted to keep the house, we asked them if she could qualify on her own for a modification. She sent in all the required documentation again. This was around XX/XX/XXXX. Up to this point today our attorney still has n't received any written confirmation from the bank, and per law we should have received an acknowledgement letter within a few days confirming such. All she wants to do is keep the house under a modified payment that could be reasonable to her budget. I know some banks even process or approve a Principal Reduction type of modification as well to assist homeowners keep their house. Failing to acknowledge in writing is a direct violation of CFPB regulations. I am writing for assistance for her to keep this home with an affordable monthly payment

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: Caliber Home Loans, Inc.
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am working with Caliber mortgage to rescind the property foreclosure sale on my home. They did make me a offer to reinstate the mortgage if I paid XXXX XX/XX/2017. 
I requested a mortgage modification though the making Home Affordable Act and they are refusing to modify my mortgage loan I do want to keep my home. I had a previous mortgage modification and Caliber mortgage did n't honor the modification agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: Bread Financial Holdings, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Reference complaint XXXX in which XXXX attempted to collect a debt from me. XXXX is now attempting to collect a debt with a similar balance and referencing the same paypal credit account # XXXX. COMENITY CAPITAL BANK continues send this information to collection agencies to attempt to collect this debt which I do not owe and have no knowledge regarding.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-21
Company: Caliber Home Loans, Inc.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
Caliber Home Loans has serviced my home mortgage since 2007 when XXXX XXXX extended a {$160000.00} loan at 7.62500 % interest while a {$81000.00} lien was on the property. Monthly mortgage payments are {$1500.00} with {$920.00} toward interest, {$200.00} toward principal. This agreement was made when my credit score was XXXX ; it has now increased to XXXX and I seek a better interest rate. 
The XXXX XXXX agreement ( XXXX ) was executed in 2007 with a {$81000.00} lien on record from XXXX XXXX XXXX ( XXXX ). Today XXXX is no longer in business and no one can remove the lien. I 'm not being billed for the {$81000.00} but the recorded lien wo n't go away. 
Caliber Home Loans has offered a {$150000.00} loan at 3.99 % over 30 years with the {$81000.00} lien still on the property, I requested a 20 year quote ( for 10 years of payments made ) and the process has stalled - XXXX XXXX ( XXXX # XXXX ) said the {$20000.00} loss on tax return XXXX unit property was problematic, he requested my wife 's financial information although she is not listed on the property or the loan, it was sent XXXX XXXX. My retirement income, 4 year history as XXXX, wife 's employment income and investment portfolio clearly supports liquidity, profitability, and solvency i.e. on ongoing good credit risk esp. at a reduced interest rate. The balance of the current mortgage is {$140000.00}, the {$8000.00} difference is Caliber 's refinance costs yet the transaction is entirely internal. 
XXXX XXXX ( XXXX # XXXX ) stated the computer system was down XXXX XXXX and he 'd call back once online, he never did. My calls have been unanswered. 
This process has taken too long with questionable actions. I want Caliber Home Loans to remove the {$81000.00} lien and I want a 20 year mortgage refinance rate ( less than 4 % ) reflective of my XXXX credit score and history of timely payments to Caliber Home Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I became delinquent with my condo association dues and in order to catch up a settlement stipulation was proposed and accepted. Approximately 6 months later the attorney who I was sending payments to was fired by my home owners association. At this time the balance owed was approximately XXXX dollars. The new attorney fees brought the balance up to approximately XXXX dollars. I was approved for a short sale by the mortgage company but received an estoppel letter from the home owners assoc attorney, demanding XXXX. After the sale was stopped the attorney demanded the XXXX in full ( even though i was making payments on the settlement stipulation ) or threatened foreclosure. They did foreclose and the association bought my condo at auction for XXXX dollars. Now the mortgage company is auing the homeowners assoc and me. 
In spite of the fact that I had received a modification on my mortgage and was current I believe my homeowners assoc and thier attorneys strong armed me out of my condo. 
I am niw looking at probably having to file bankruptcy due to their actions. Any assistance you can provide will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: Alorica Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A collections company called Global Revenue Solutions calls me multiple times a day. I have asked them to remove my number because they are calling my cell number, but they refuse to do so and continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: Caliber Home Loans, Inc.
State: CO
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Caliber Home Loans has increased my Mother 's monthly mortgage payment by increasing the escrow by {$300.00} though the Home Owners insurance is at a maximum and the Property tax has not increased. This is not legal to my understanding because the escrow only includes funds for mortgage insurance and funds to pay the property tax. 

Caliber also never stated what the percentage rate increase would be, after the five years my Mother was supposed to pay {$1100.00}. My Mother has no paper work that indicates what the mortgage payment will be after the modification period ends ; Caliber Home Loans has increased my Mother 's XXXX monthly mortgage payment by increasing the escrow by {$300.00}. The monthly mortgage payment is now {$1400.00}, what will it be after the modification ends? 

Caliber home really wants to take possession of my Mother 's home ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I have made a payment of {$97.00} on PayPal to XXXX XXXX XXXX XXXX on XX/XX/2020 for a product. After I made the payment and told him, he instantly blocked me on XXXX XXXX. I'm convinced that he has done this with not just me, but with many other people as well. This is blatant fraud and scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: USI Solutions Inc.
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I XXXX XXXX XXXX XXXX, XXXX would like to file a complaint against this debt collecting company called USI Solutions they are aggressively trying to pursue me to pay a loan that I have never in my life seen or received a check for .there number is XXXX this is some fraudulent loan and I 'm not paying for a loan I do not owe.University XXXX I have never attened a online school this is some type of Identity fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-01
Company: Caliber Home Loans, Inc.
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I inherited the house upon my grandmother 's death in XXXX XXXX. At the time of my grandmother 's death I was only working a part time job with XXXX. Whereby, I did n't have the monthly income to keep the account current. Since I began handling the estate of my grandmother, I have had XXXX periods of unemployment which was from XXXX XXXX until XXXX XXXX and again from XXXX XXXX until XXXX XXXX. I now have sufficient employment. whereby, I can now afford the monthly mortgage payment. But, I do not have the money to pay {$9000.00} towards a total past due amount of {$12000.00} in order to start a repayment plan. The servicer is stating that the DTI ratio shows I have the ability to pay the mortgage. But, the servicer is n't taking into account how the mortgage got behind along with my ability to pay towards a large past due mortgage balance. The CFPB Rules state that a client inheriting a home should be able to have the loan modified into their name with reasonable terms which the present offer is n't reasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: Caliber Home Loans, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Hi, Please refer to my previous case # XXXX. Caliber Home Loans is delinquent with my taxes once again. If this company can not pay my taxes on time, I would like my escrow refunded to me and I will pay the taxes. I am sick and tired of their excuses which leave me to believe they are using my money for something else. According to my township, they are receiving notices. Please advise what the next steps are.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14
Company: Ocwen Financial Corporation
State: RI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We hold a mortgage with Ocwen since XX/XX/XXXX. Our insurance payment is part of our escrow and was due on XX/XX/XXXX. The payment was not made to our Homeowners Insurance company by the due date. I have received a notice from my Insurance company informing me of the missed payment. While on hold to speak to someone at Ocwen for over XXXX minutes, I set up an online account and looked at the history. On the website for Ocwen, it shows a payment made to the insurance company but they did not pay them even though it shows paid through XX/XX/XXXX. Once I finally got an agent on the phone, she could see our escrow account, see that my insurance company was set up and correct, and that the payment just was n't made. The insurance agent at Ocwen tells me that the way my loan was set up it was set up to pay the escrow for taxes only and not insurance - even though they had all the insurance information! This is unacceptable for a mortgage company who handles escrow accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: The CMI Group, Inc.
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Hi, I have got calls/Letter from Credit Management XXXX to collect debt. I have disputed the debt and requested details of the calculation as I do n't own any debt for XXXX. Credit Management XXXX is not able to provide any details of the debt verification. 

I will appreciate your help in resolving this issue ASAP. 

Thanks

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-05
Company: EdFinancial Services
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
After completing my XXXX degree, I consolidated my student loans in 2007 and my total was $ XXXX. 9 years later without missing a payment, I have paid over $ XXXX! My student loan has changed companies multiple times and as a result of a recessed economy and poor business practices, which were totally out out of my control, my loan has also restarted multiple times and I still owe $ XXXX. I am currently paying {$670.00} per month of which {$520.00} is going towards accrued interest NOT my principle. I have already paid an incredible amount with nothing to show for it but a 'generous ' offer from your customer service representative XXXX ( Edfinancial Services Case ID : XXXX ) to pay more! Is this how the American education system works for honest citizens who strive for higher education and learning? 
I would like to make a cash offer to buy out my student loans for {$20000.00}. That will give your company a total amount of over $ XXXX in repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
After receiving letters from the Department of Education on my permanent XXXX discharge for Student Loans in XXXX I tried notifying credit bureaus so that it could reflect on my XXXX XXXX but their systems would no allow me to do so.

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 2023-02-23
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I been fighting Wells Fargo for several years and they kept denying me help from being underwater home since 2009 I have contacted CFPB and Wells Fargo for the last 12 years they would not listen to me about being underwater they tell me to get a appraisal and they would look at it they done nothing now they sunk me so far underwater and kept adding money and they finally sunk me and now I losing my home because they would not help me CFPB would not help me with Wells Fargo they ignored me just like Well s Fargo did now soon I will be homeless thanks to Wells Fargo they are lawsuits out about Wells Fargo but the lady said I did not qualify for it because I am a XXXX personal not XXXX I thought I lived in XXXX thanks 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 2017-01-07
Company: Bonneville Billing and Collections
State: UT
Product: Credit card
Issue: Forbearance / Workout plans

Complaint:
I was in the process of opening a savings account with XXXX XXXX XXXX XXXX and was informed of a previous account with them from 6 years ago ( XXXX ), the status of which is outstanding. 

I was referred to a company by the name of Bonneville Collections. 

Please consider this a formal Qualified Written Request ( QWR ) to Bonneville Collections ( BC ) for a full and complete account transaction history along with a transaction code guide, a copy of all Transfer of Ownership/Service Transfer/Charge-Off documentation ( I do not recall recieving this ), copies of all Monthly Statements, and copies of any County-recorded lien documentation as well as copies of all legal notices provided to me regarding said lien-documentation. 
Please also include a current Payoff Quote with interest, principle, and fees itemized ; in addition, all Collection Notification and/or Settlement Offers sent to me. 


BC, I intend to work with you to settle this account as soon as possible. 
I understand you have 30-days to respond, and that you will likely recieve this dispute forwarded to you by the CFPB on Monday XXXX/XXXX/XXXX. As it is a business standard to respond to regulatory disputes within 15-days, I expect my dispute to be forwarded to ( and handled by ) your Executive Response Team within the appropriate time frame.

Company response to consumer: Closed with explanation