vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Finance of America Mortgage LLC
State: NH

Complaint narrative:
I am enrolled in a equity accelerator program. In XX/XX/XXXX I refinanced my mortgage with PMAC. In XX/XX/XXXX the mortgage was transferred to Finance Of America for a sort duration. I was told that Finance of America took over the day to day operations of XXXX. In XXXX XXXX the mortgage was transferred to XXXX. XX/XX/XXXX a payment was mistakenly sent to PMAC instead of XXXX. The check was received and cashed. I have been working with no success to have the payment sent to XXXX as my mortgage is lagging a month behind, and I have been reported to the credit bureau. Finance of America is telling me that they are researching the issue, but it has over five days and every day I call and every day I am told that there is no update. I am very frustrated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-12 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
I have never went to this hospital never been there never receiveda letter from this collection agency

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
I have received numerous calls from Harris & Harris Lmtd. stating that they are a debt collection agency and I must call them. They do not have a live person on the line when I pick up, and provide no reference to said purported debt. As far as I know, I do not owe anyone any money. These repeated calls border on harassment and I wold like them to stop. 

If they have a legitimate claim, they would be able to contact me in a reasonable manner, with sufficient details such that I would be willing to address whatever the alleged issue involved.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ceannate
State: AL

Complaint narrative:
I have received calls from a company stating my daughter gave my number as a contact and they are asking questions about her. My daughter said she has not listed me as a contact for her. I am almost XXXX years old and have told these people to not call me. I do not owe them anything and have been registered on the do not call list for a long time. These people call from different numbers and call late into the night. This is very upsetting to me and my wife.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CA

Complaint narrative:
Amerisave quoted me for a refinance of my home loan and took an application online. I enter my info and found out later that the rate the lender quoted me was not for an investment property. I asked the Lender to cancel my application at that time and refund my appraisal fee and they refused to do this. I have filled a dispute with XXXX XXXX and wish to have my appraisal fee refunded ASAP. The rep I was dealing with was XXXX XXXX XXXX XXXX is also investigating this claim and Amerisave has still yet to refund my appraisal fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CO

Complaint narrative:
Amerisave.com cheated me into signing up with them for low interest rate, I was asked to pay for Apprisal. But when the apprisal came it came at XXXX, when XXXX was showing at XXXX and I myself spent over XXXX over completing garden level basement. I felt the guys wantingly tweeked to offer me a loan and then get apprisal. It looks like they do this constantly for all customers. XXXXXXXXXXXX is the person and they knew for sure they were not going to offer the loan but pushed me to accepting the agreement using low interest rate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: NV

Complaint narrative:
I had filed and was awarded bankruptcy in XX/XX/XXXX. Included in the bankruptcy was a home that had been awarded to my ex-spouse during the divorce under XXXX XXXX. My credit report shows the loan was discharged due to bankruptcy in XX/XX/XXXX and XXXX discontinued reporting on my credit report. 
My ex-spouse had stopped making payments on the house and subsequently, the loan company started foreclosure proceedings. I was no longer responsible for the loan, with the discharged bankruptcy on court record however, in XX/XX/XXXX, XXXX XXXX sold the loan to another company, Caliber Home Loans. Caliber proceeded to put me back on the mortgage, even with the discharged bankruptcy and began reporting on my credit report XX/XX/XXXX that the loan was over 180 days past due. I contacted Caliber, gave them my bankruptcy information, my attorney 's information and asked them to remove the information from my credit report. I was not a part of that loan when they acquired it in XX/XX/XXXX as the discharge was in XX/XX/XXXX. They have failed to do so even at the request of my attorney, proof of the bankruptcy discharge and request of myself. The are still reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Ceannate
State: IL

Complaint narrative:
I live on social security. I defaulted on loans I took out to pay for my childrens ' college expenses.Since I am in default the Education Dept. is taking $ XXXX monthly from my SS amount. Now a company called fms, a XXXX company has been hounding me for the same debt. How can this happen when I am already paying on this debt?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Asset Management Outsourcing, Inc.
State: IL

Complaint narrative:
Medical services were provided at an XXXX facility ( XXXX XXXX 's Medical Center ) during a period of relocation. The health facility mailed the bill to an older address. I sent payment as soon as I received the bill as a piece of forwarded mail. I also contacted the facility in the interim to confirm receipt of payment. Somewhere in the interim, the medical center must have issued a request to collect the {$25.00} copayment to a debt collector. Upon receipt of their letter I informed them that the copayment had been sent and received by the medical center. However, the debt collector ( Nationwide Recovery Services ) has refused to contact the medical facility to confirm receipt of payment and has asked that I provide proof to them. The easiest form of proof is for them simply contact the medical center. I informed them that I would file a complaint as they told me to expect continued collection attempts until I furnished proof of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Harris & Harris, Ltd.
State: AZ

Complaint narrative:
Calls from " Harris and Harris '' a debt collector. XXXX I called this number XXXX/XXXX/2016 to tell them I owe no one, they hung up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Ceannate
State: AZ

Complaint narrative:
after talking on the phone with this agency, their practices were very unprofessional. ive read several complaints about them on the web.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Aargon Agency, Inc.
State: FL

Complaint narrative:
I submitted a 30 day notice for moving out of an apartment. The office manager claimed I did not and tried to charge me another months rent and expenses. I submitted a written 30 day notice with my rent check as I was told to do. I verbally told them about 30 day notice, as well. The rent check was cashed, so I assume they got the written notice, too. I had the apartment professionally cleaned upon departure ( much, much cleaner than when I moved into the apartment ), I was completely out of the apartment days before the 30 days were up.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed
Consumer complaint received 2017-02-02 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: DE

Complaint narrative:
My mortgage was sold to another company and the mortgage payment went from arouond {$520.00} a month to over {$1000.00} a month. Is this legal? I have tried to get information as to why the change has occurred but no one can tell me why the payments have doubled. I have been fighting with the new lenders since XXXX. Now my mortgage is in jeopardy of foreclosure. I 've been with XXXX XXXX since the loan was taken out in the XX/XX/1990 's and now they sell my mortgage and I 'm getting punsihed for it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-04 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: CURO Intermediate Holdings
State: OR

Complaint narrative:
The lender or merchant, Rapid Cash or Speedy Cash, obtained and fraudulently charged my debit card without my authorization on an outstanding balance from 2007 in the amount of {$800.00}. This transaction was not authorized by me and the statute of limitations of six ( 6 ) years has been exceeded in the state of oregon. I have contacted the merchant XXXX, and XXXX times they have been uncooperative and refusing to return my monies back to me. I have disputed the transaction with my bank and have filed a police report as I feel that the merchant has commited a crime. I 've also reported the merchant to Oregon District Attorney, Consumer Protection Agency and the Attorney General of their fraudulent activity and in attempts to get my monies returned to me. This unauthorized transaction took all of my paycheck that was also direct deposited on XXXX/XXXX/15, leaving me with literally no monies at all for the next two weeks, most importantly basics like living expenses ( i.e. food, transportation expenses, necessities, needed medication refills such as XXXX, etc ) and for bills that are now going to be past due ( i.e. rent, utilities, car repair, etc ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
Here is basically what I have sent to the Attorneys for XXXX XXXX XXXX and Caliber : I would like to propose a settlement solution for both XXXX XXXX XXXX and Caliber. I sent a timeline and XXXX exhibits ( I have uploaded ) to show you what occurred for these two and a half years when my husband and I were trying to modify our loan. My attorneys did not use this information ( which I was very angry about when I found out ) in the case, and, I believe proves the dual tracking and violates the Homeowners Rights law. If you had a chance to look at the timeline along with the letters and documents ( uploaded ), I think you will agree that there was total confusion when XXXX XXXX XXXX sold the service rights to Caliber during our modification process. All along I believed we were going to get that modification because our income was XXXX higher than when we first got the loan in XX/XX/XXXX, and we had excellent credit. It was just a matter of persistence. 

You can see by my timeline that Caliber was trying to foreclose before they were officially recorded with the XXXX County clerks office on XXXX XXXX, XXXX ( see timeline and exhibit ). However, we were told that Caliber was the servicer as of XXXX XXXX, XXXX ( see timeline and exhibit ). After I was told that we had to start the application process all over again with Caliber, I immediately turned in a XXXX page application with documents and another XXXX documents sent on XXXX XXXX, XXXX ( see timeline and exhibit ). When I tried to speak with someone at Caliber about the application I was told that there was little information at the moment because they were in the process of XXXX XXXX XXXX turning over all the loan information to Caliber and to call back later. It was total confusion! This was only one month after the service rights were transferred ( but was not recorded until XXXX XXXX, XXXX ). We had no time before the sale date to even appeal. We were denied on XXXX/XXXX/XXXX ( see timeline and exhibit ) three days before the trustee sale. It should have been 30 days later according to the law. 

I am XXXX years old and in the process of my divorce. My husband walked away leaving this foreclosure issue all to me and washed his hands of it. We are going to trial on XXXX XXXX, XXXX and will be divorced. The reason I filed for bankruptcy is to stop the foreclosure process and I legitimately want to restructure my debt and pay back my creditors. I have received a short sale offer with an approval that I would like to see close, but the foreclosure is on XXXX XXXX, XXXX and we need to know its stopped. I also have a back-up offer as well. Please stop this sale we can close this sale. 

Please read the uploads regarding the timelines and exhibits regarding the Lenders violations. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Alorica Inc.
State: VA

Complaint narrative:
The company, West Asset Management, repeatedly calls me on my cell phone refuses to identify why they are calling and states repeatedly " I have your Social Security Number now you need to verify it for me. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: NJ

Complaint narrative:
On XXXX XXXX, 2016, I requested a copy of the written instrument ( all pages, both sides ) that clearly shows that XXXX Master Parcipitation Trust is the " new creditor '' of my loan, the loan having been assigned from XXXX XXXX XXXX. In response, all I got was a letter saying stating the same, exact information ( see attached ). A second response has been requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: WA

Complaint narrative:
We have requested a loan modification twice from Caliber Home Loans within the last few months. They have denied us both times due to insufficient income. The first request we made was missing our rental income so we were advised to reapply which we did. The second application was denied for the same reason, and the appeal was also denied for the same reason, even though our income is now $ XXXX more than our debts. We initially fell behind because of a loss of income which has now been rectified. Also, our temporary modification we received from Caliber expired which increased our monthly mortgage payment from {$1800.00} to {$2400.00} per month. We are requesting for Caliber to review the attached documents again since their denial reason was incorrect. They also denied us due to their appraisal results showing that the home balance is 67 % of the appraised value of {$300000.00}. We are also disputing the appraisal amount. We recently received a letter from Caliber Home Loans stating that our loan balance is $ XXXX, but when we called in to inquire about the balance owed they were unsure how that balance was calculated. We definitely qualify for the 5 year loan modification extension and are requesting Caliber Home Loans to honor this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
I never received any notifications from Union Bank about needing proof of insurance on my mortgage. ( I verified that they have the correct email and text number, but I received nothing. ) They did have an incorrect mailing address ( which I could not have given them ), so maybe they sent something by postal mail that I never received. They proceeded to purchase hazard insurance, again without informing me, even after the fact. Then even though I have my mortgage premium on auto-pay and have never missed a payment, apparently I was getting behind and having late payments assessed because I was not paying them back for the hazard insurance I did n't know about. I ca n't believe it is legal for them to do all this without ever contacting me or calling me. I only even know it happened because they FINALLY called my home phone when they sent me to a collection agency. A simple call to that same number that they clearly have in their system would have prevented all of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: MA

Complaint narrative:
I requested a loan modification in XXXX due to financial constraints and have provided numerous documents to the 3rd party representative as requested. This company failed to make any determination about the modification request for greater than 12 months. I was offered as a deed in lieu option with a payout " cash for keys '' in XXXX XXXX. I completed the form and faxed to the mortgage company in early XXXX XXXX under the assumption if this was being offered to me it must be valid. Upon returning from viewing colleges with my son I received notice that my home was being foreclosed upon with a sale date of XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CURO Intermediate Holdings
State: AL

Complaint narrative:
I have a loan on my credit report that has been sold to XXXX from a company called SPEEDY CASH. I contacted XXXX and asked for information on the account because I do n't have any knowledge of the account. The representative could not provide me with any information except for the date it was opened and from where it was from. I asked for the original contract and the representative told me they did n't have it because I wanted to find out who did this. I advised the agent that I had been incarcerated in XXXX prison since XXXX until XXXX and at the time among other accounts this was not mine. I have sent a letter to them but need to file a complaint in reference to someone opening this account and a bank account w/o my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: NH

Complaint narrative:
I am a HUD Housing Counselor working with a client whom has aXXXX XXXX loan, serviced by Caliber Home Loans. I have been activelypursuing a loan modification since XXXX 2015. For the last XXXX months theunder writing department has been requesting " additional " documentsweekly, which extends the time frame and out dates recent pay checks, bank statements, etc. This in turn creates in the servicers eyes an " incomplete '' request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
Navient has forwarded my account to collections and legal action because I have not paid. I have been trying to pay but due to being out of work ( even though I was trying my hardest to find work ), I could not afford any payments. I explained my situation and they would ask for my income vs expenses and agreed that I had no extra income in which to pay, yet when a manager was contacted I was told I had to pay if I did n't want further action to be taken. I felt bullied into trying to find money that I did n't have because I would receive at least 6 calls a day everyday from their different locations saying that I had to pay or I would be taken to court. I was never offered a reasonable repayment plan. I would explain to them my situation and offer an amount I could definitely pay but was continuously told that was n't enough. They kept suggesting using a credit card - which I do n't have - or ask people I know for the money. I do n't know anyone who I could ask for that money. I feel that they should have been willing to take any amount I could pay a month instead of rejecting everything I suggested. My interest has added {$1000.00} 's of dollars to my loan and this has affected my credit. Navient is now telling me that they will take me to court due to non-payment. I just got a minimum wage job and am willing to pay but that is no longer an option.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ResidentCollect, Inc.
State: MI

Complaint narrative:
Debt paid in full. Report not deleted from XXXX credit report as agreed upon by paying higher amount.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation