vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Caliber Home Loans, Inc.
State: AZ

Complaint narrative:
A credit information consolidator, acting on behalf of my mortgage company, made a number of improper " hard '' credit inquiries in 2016 resulting in subsequent adverse credit decisions including denial of credit or higher interest rates. XXXX inquiry was specifically not approved and during the application process multiple inquiries were made within a 30-day period. I authorized 1 inquiry. I contacted the reporting credit bureaus who referred me to the credit information consolidator. The credit information consolidator refused to remove the unauthorized inquiries because they were acting on behalf of the mortgage lender. I contacted the mortgage lender and they now refuse to remove the credit inquires. I do not dispute that I applied for the loan and authorized a credit inquiry. The dispute is about the number and timing of the other unauthorized inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
I have lived in my home for 30 years and am in danger of losing it at auction due to the actions of my lender Caliber Loans. I have endured extraordinary hardship and have slowly rebuilt my life and situation. However, Caliber has refused to open a review of my current financial situation, has not assigned a case manager or dedicated contact and has told me the only options is to short sale or reinstate the loan in full, which is not possible. I do n't understand how they can refuse to even CONSIDER working with me or helping me or looking at my current financial situation, which has changed considerably since my last review. They received millions in bailout dollars, I thought they were supposed to look at my information and give me a chance. 

I refinanced into this loan in 2007. A little over a year later when my wife turned XXXX she decided to take off and go on the road as a XXXX, abandoning me and the kids. XXXX. There were long periods of unexplained absences and several months later I had divorce papers drafted. XXXX At that time I had been taking care of the kids and making the mortgage payment since she had deserted us six months earlier. However the police came and we went to court. I could not afford an Attorney and my wife was granted XXXX as well as control of the house. I was forced to leave the house and my kids and had to move into an apartment. My employer found out about the XXXX and I lost my job as well. I eventually found a job XXXX and had to XXXX in my spare time to sell it in order to keep myself fed. I obviously was not in a position to make the mortgage payment. 

During that time my wife never made the mortgage payment, and let the house, the lawn and the pool go. I started my own company doing right sizing -- I am brought in to save them money and have slowly built this up into a good income source. I fought the XXXX and was eventually able to get back into the house and was able to get wife out and divorce finalized. I tried to put my life back in order XXXX step at a time. I contacted XXXX to see what could be done and at XXXX point I was apparently offered an interest only modification. I found out about this after the fact, I did not see the paperwork until the offer had expired and I suspect that my ex wife who was still lurking around at that time had something to do with that. 

I have tried since then to re-engage with Caliber and have not made any progress. My business and income have continually increased and now my son who lives in the house is working as well and contributing his share. If Caliber were to actually take the time to review me for all retention options, something they are REQUIRED to do due to their acceptance of government bailout funds they would see that I fit into guidelines for assistance. Their continued refusal to even give me a seat at the negotiating table is outrageous.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Alorica Inc.
State: MD

Complaint narrative:
I have asked West Asset Management to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Fitzgerald Goldman & Associates, Inc.
State: MA

Complaint narrative:
Some company continuously calls my house phone, cell phone, and other family member 's home phones who do not live with me. They leave messages as I never pick up, and today they said they are going to review my assets, and listed my current vehicle and a vehicle I no longer own as what they will be reviewing. They also mentioned something about rent or where I live, and I 'm really annoyed as I do not know what the debt even is. They called today around XXXX EST, left that message and said I have 24 hours to respond, which I did not do, and do n't plan on doing. They called me MONTHS ago, but threatened to have me arrested if I did n't comply. I spoke with them back then, and they would n't give any information ; they sent me a botched looking email when I demanded physical paperwork for the debt. 

They also are calling from a different number currently ; right now, it 's XXXX, before, it was an area code from a different state, far XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: TN

Complaint narrative:
I had a job loss and could no longer make my mortgage payments. Before I was even XXXX payment behind I contacted my lender to ask for help. What I got instead was a lot of false miss leading information and false hope which landed me very behind in my mortgage and facing foreclosure. I desperately need help to save my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
Ocwen Loan Servicing is the second worst company in the world, second only to Litton Loan which there are undoubtedly the sister company. At any rate, they are denying a payoff statement of my loan after their bylaws clearly state they have 48 hours to comply and all of the paperwork was submitted for processing on XX/XX/XXXX and after several calls to their representatives today -- they repeatedly apologize and say they require 6 more business days. This is NOT PROFESSIONAL behavior and is UNACCEPTABLE!!! Please monitor and properly handle stopping this behavior from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
I have refinanced my home, with a payoff date of my mortgage with Ocwen of XXXX XXXX. Although the balance on their website showed as XXXX on XXXX XXXX they still processed a payment of {$1300.00} on this account that had a XXXX balance. Since I was not expecting this I was left {$700.00} overdrawn on my bank account, and had to borrow from another source. This morning when I called them the XXXX person I spoke to got testy with me and blamed it on the title company for the refinance. Luckily I was disconnected from her. I got another gentleman when I called back, and he said he would try to expedite my refund, but that it still could be 5-10 business days. Is that fair?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-12 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: UMPQUA HOLDINGS CORPORATION
State: WA

Complaint narrative:
I refinanced an existing home loan with Umpqua Bank in XXXX this year. Since then I have been on the phone for several hours trying to get my insurance and auto deposit set up correctly. In the last two weeks Umpqua has taken XXXX full mortgage payments from my checking account but not at the date they specified. My insurance company says that my balance with them is short {$60.00} but when I call Umpqua they tell me the account is fine.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-22 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Genesis Lending
State: MO

Complaint narrative:
I attended XXXX XXXX XXXX, XXXX. I completed the work however due to lack of help from teachers I do not feel like I have enough knowledge to use my degree for a better job. Of the jobs that I have found, I am not considered due to the fact the XXXX XXXX has a bad reputation and my degree is basically worthless. As far the lending services which was Genesis Lending Services, they made me pay while attending school. The private loan was not needed for me to attend school, as i found out later that the school had taken out more in federal loans than what was needed. The private loan company also knew that the school was doing this and went along beside them. This loan was not needed and I feel that I should not have to pay them anymore and should receive my money back. Seeing as I have 36,000 + in federal for a two year degree because of the school already. Since, all of this has become knowledge I have contacted Genesis Lending Services and they will not give me any information that I will be forgiven or the option to stop paying. Now, I only had XXXX forbearance left that I still have to pay {$60.00} for 6 months and then {$120.00} and then {$210.00} which is getting rough considering I still do not have a job in the XXXX and still working as a XXXX making small money.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
I have a mortgage that was modified in XXXX XXXX through the XXXX XXXX XXXX XXXX XXXX program. I was promised a " Borrower Incentive '' of {$83.00} per month accrued as a monthly benefit to my mortgage loan to reduce principal and to be applied each of the XXXX through the XXXX anniversaries of the month in which the Trial Period Plan was executed ( XXXX XXXX ). 
Although the incentive has been applied it has not been applied in full for any of the anniversary dates other than XXXX. 
The loan was originally modified by AHMSI, American Home Mortgage Servicing Inc, then went to Homeward Residential and now is with Ocwen. 
I can see documented and the Incentive applied as follows : XXXX/XXXX/XXXX {$910.00} ( Homeward Residential *attached ) XXXX/XXXX/XXXX {$830.00} ( Ocwen *attached ) XXXX/XXXX/XXXX {$910.00} ( Ocwen *attached ) XXXX/XXXX/XXXX {$1000.00} ( Ocwen *attached ) XXXX/XXXX/XXXX {$5000.00} ( Ocwen *attached XXXX Treasury additional incentive applied on 6th yr anniversary ) https : //www.makinghomeaffordable.govXXXX I am unable to verify the Incentive was applied in XXXX, the first anniversary and the first Incentive payment due, and most of the amounts that have been applied do not equal the Borrower Incentive as promised. 
I have asked my mortgage company for details and have been unable to find resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
I bought a home from GMAC it was a foreclosure property, IT WAS NEVER DISCLOSED that the property had mineral rights, its almost impossible to get a chain of rights. The bank has that information because they mortgaged it originally with the rights, at the sale and on the deed they made an exception to oil and gas. Since it was never disclosed that their was mineral rights I did not object. If I was informed of the fact I would have paid more or not purchased the property. NON DISCLOSURE FORM MATERIAL GAIN. I am a senior and feel very taken advantage of!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
This is intended to supplement my complaint, Case Number : XXXX, which I submitted earlier today. 
Ocwen claims that it updated the information which it reported to the credit reporting agencies but, except for XXXX, there is no change related to XXXX & XXXX. And, based upon a report which I received today from XXXX and which is dated XX/XX/2015, the account still remains open, with a past due amount of {$1900.00} as of XX/XX/2015. Now there are two late payments entered, one for XX/XX/XXXX and one for XX/XX/XXXX. Concerning the reporting data by XXXX, my credit score which before those illicit negative reports by Ocwen, which was at XXXX is now at XXXX, which effectively is a costly decline in terms of financial credit worthiness. Concerning, XXXX & XXXX, my credit score with each has been lowered to XXXX from XXXX and that has already been translating into significantly tangible impaired credit worthiness for me by denial of credits from banking services. These matters will most likely bring about a lawsuit against all of these financial entities : Ocwen, XXXX and XXXX, which are gratuitously harming my credit worthiness and their costly consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: LA

Complaint narrative:
My house flooded on XXXX/XXXX/2016. I sent the advance check from my flood insurance company to Ocwen Loan Servicing along with a letter showing it was only and advance and not the complete claim. I have sent their required documentation several times and over 6 weeks later I still have not recieved any money to start the repairs to my house. I have had to use my own money to pay for gutting and drying so that futher damage would not occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HW Holding, Inc
State: TX

Complaint narrative:
I do not know this debt, nor do I know who this collection agency is. I never received any correspondence from them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I have been working with Ocwen, my 1st mortgage for a very long time to process a short sale. I have submitted various offers for review and after months and months of having them take their time to review the offers, request several appointments to come into the home to valuate the property, they now refuse to proceed with approving the offer they currently have for a short sale. They have given plenty of excuses as to why they will not work with me today to avoid foreclosure but not once over these last several months have they tried to help me with being able to sell my house. After all of the hoops I jumped through to accommodate them. Today they note that the reason they will not work with me is the current sale date- but they have postponed my sale several times in the past and for some reason today are refusing to work with me and postpone this one sale that will give me enough time to finally get an offer approved at the amount they seek. I have been battling Ocwen for years regarding this home and now that I have spent a lot of time trying to do the right thing they want to ruin my life by foreclosing. All of my efforts have been made to avoid having foreclosure occur, foreclosure will hurt me financially for at least 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Cohen McNeile & Pappas, PC
State: KS

Complaint narrative:
I am writing on behalf of my sister. She is a permanently XXXX veteran and has n't owed a credit card since XXXX, and the highest limit on her card at the time was {$500.00}. She received a letter from XXXX XXXX on XXXX XXXX. I recognized the number on the letterhead from our phone logs, all we knew until this letter was that it was an autodialer that would play classical music for 15 seconds or more on our voicemail 2 to 3 times a day. The letter claims that she has a XXXX XXXX balance of over {$5000.00} ( no information from which bank they are representing nor dates pertaining to when this card was opened/closed/etc., that they are willing to settle for an undisclosed amount via check, cash or money order by XXXX/XXXX/XXXX or else the full amount is going to be withdrawn from her bank account. 

First problem is her funds are exempt, her only income is social security and VA compensation. Second problem is that as far as we know we have not gotten a subpoena to go to court, so if there is a default judgment against her account, we were not given an opportunity to come to court to protest the debt, if this debt even exists. Third, 10 days to respond, pay up or else does n't sound like a legal statement for any law office to mail out to anyone. My sister does not have a lot of money and not physically or mentally able to deal with this. Any withdrawals by this firm without giving us any time to validate or dispute the debt, would be devastating.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX XXXX/XXXX/XXXX we submitted a short sale package with the Buyers XXXX Docs included. Ocwen has done nothing in two weeks, and are now demanding that the buyer remove the word " XXXX '' from line # XXXX of the Articles of Organization that were filed with Secretary of State - State of California on XXXX/XXXX/XXXX ( see attached XXXX docs ) - OR that we provide Corporate documents for XXXX - which is not possible, since they are not a purchaser in this short sale. 

We have already explained that XXXX is the Service of Process, and this can not be changed. 

Ocwen may not dictate who the business entity would like to use to receive service of process in case of suit. It is clear that XXXX is not a part of the buyer 's XXXX, as they are not listed in exhibit a of the Operating Agreement, nor anywhere else in the Operating Agreement. 

This is undue interference with a business entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
Georgia Dept of Bankingand finance have refusedas to date to take my caseand to investigate this fraudagainst my name for thepast 6 years or so. 
Georgia investigators havenever replied to mymultiple complaints which Ihave filed with them for thepast 6 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
This is not a duplicate. OCWEN has replaced a damaging comment on XXXX with a damaging comment it used several months ago, knowing it lowered my credit then. This is different than the XXXX comment, but damaging just the same : disputed XXXX XXXX, XXXX Account Details Last Reported XXXX XXXX, XXXX Creditor Name OCWEN LOAN Account Type Conventional Real Estate Mortgage Account Status Open Opened Date XXXX XXXX, XXXX Closed Date -- Limit -- Term 44 Months Monthly Payment {$870.00} Responsibility Individual Balance {$79000.00} Highest Balance {$470000.00} Payment Status Current Worst Payment Status Current Date of Last Payment XXXX XXXX, XXXX Amount Past Due $ XXXX Times 30/60/90 Days Late XXXX Remarks Dispute resolved ; reported by grantor

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HW Holding, Inc
State: NM

Complaint narrative:
This is an attempt to amend my complaint number XXXX by adding my telephone numer. Number was omitted in first complaint. 

The debt for which I am being constantly harassed is my son 's wife ' s debt.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
In XXXX, I received a mortgage loan modification from IndyMac, without ever receiving a legal/official copy of the modification or a call back to discuss the questions I had. I knew my modification was approved because my monthly mortgage statements reflected it. After the modification, my mortgage was transferred to Ocwen. Ocwen mailed me a notice of the loan transfer amount, deferred interest amount, and dates interest would adjust annually, maximum interest of 5.25 % in XXXX. I have since called Ocwen to request to speak to a rep regarding refinancing to a lower, fixed interest rate. I also called to request a copy of my mortgage contracts. I keep getting transferred and do n't reach anyone that will help. I have excellent credit and want to refinance to a lower fixed interest rate, but can not do so because lenders want to see the contract, not just a current payoff statement letter from Ocwen.

Company response to consumer: Closed with explanation