vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-22 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: PA

Complaint narrative:
This company is trying to collect from a dead man which is my father and his estate in which he has no money if he is dead!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
I received a billing statement from PayPal Credit claiming that I owed them money for a recent transaction. I checked my credit report and PayPal did a hard pull on my credit information. I have no knowledge of ever signing up or opening a credit account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Cascade Collections, Inc.
State: OR

Complaint narrative:
XXXX with Cascade Collections called my cell phone today from ( XXXX ) XXXX, XXXX/XXXX/2016 at XXXX. She said she received a message via their website from me that I would like more information on an account in their office and said " what can I help you with ''. She made no attempt to verify who I was before 1 ) Sharing information with me about the debt, 2 ) Giving me an address where a letter regarding this debt was previously sent 3 ) Stating the amount owed, and 4 ) She not once said this was an attempt to collect a debt. She said she would email me my documents ( I requested ) if I emailed her first. At this point, she still has no idea who I am, as I previously stated she did not verify any information with me. She also asked for my current address and said she would be mailing out a validation letter. 

This is a violation under the 15 U.S. Code 1692e - False or misleading representations : ( XXXX ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. 
********************************** I will be filing a complaint with the original creditor and if need be, in court as this creditor can be fined up to {$1000.00} plus attorney fees and damages. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
On XX/XX/2016 my UnionBank checking bank account was charged an unauthorized purchase transaction in the amount of {$400.00} by XXXX CA. However, on the same day of XX/XX/2016, 21 minutes before this unauthorized transaction I did shop and their for made a purchase from XXXX in the amount of {$56.00}. I have all of my prescriptions sent to XXXX for which I must pay for in order to pickup. I rarely carry cash on hand so I more likely use my bank debit card. I occasionally login to my UnionBank account as I did on XX/XX/2016 to avoid overdraft fees. Since I had very little transactions the {$400.00} withdrawn amount was very obvious. I then panicked and called UnionBank right away to report the unauthorized transaction. Today, XX/XX/2016 I followed up on status of my reported claim with UnionBank and have been informed that my claim was Denied due to : 1 ) repeated transactions from vendor 2 ) distance of vendor from my physical residence 3 ) the fact that I had my debit card with me at time I made the claim 4 ) Imy PIN code memorized their for no other person could have known of my person PIN code. Their is nothing I could have purchased from XXXX for the amount of {$400.00}. I ask that XXXX please allow me to see their surveillance cameras. UnionBank rep mentioned that whoever made the purchase transaction used my card since it has a chip & could only have been used along with the PIN code. 

And this was my banks response decision in regards to my claim : " For your reference, your debit card is the new chip-enabled type. This debit card type includes new technology that makes it difficult for someone to replicate or steal payment information at the point of sale. You may not be aware that the XXXX involved with this claim accepts chip transactions. Additionally, our Claims Investigations department verified your card was not linked to any known point of compromise. While we have no reason to believe your card was compromised, the transactions on your card do not appear to be suspicious. 
Based on the fact that you acknowledged authorizing a transaction at this same store approximately 21 minutes before the disputed transaction, prior transactional history at the XXXX, and being located in the vicinity of the disputed transaction, our Claims Investigations department declined the claim. After reviewing your claim with management, the Office of the President concerns the original denial decision was appropriate. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Fitzgerald Goldman & Associates, Inc.
State: NC

Complaint narrative:
They are contacting family members regarding some account in 2012. Leaving threatening legal messages and stating they will come and take my vehicle. The name of the business is Fitzgerald Goldman & Associates and the number that keeps calling from a very rude lady at the following number XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
I am being over charge by Comenity Capital Bank for services I did not receive. The bank has not responded to my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-05 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CURO Intermediate Holdings
State: NV

Complaint narrative:
was not contacted at all whatsoever about any debt owed. I found out by checking my credit report and finding a collection agency account by ad astra in regards to a seriously past due loan obtained from speedy cash/rapid cash. For 5 months i received no mail no calls or any form of communication from speedy cash or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Ocwen did a refi with me in 2009 that was all to their benefit. After all was done their bate and switch refi put a significantly larger sum of money on the already under water loan and eventually pushed my interest rate up to 7.1 %. They have refused me for several years to do a regular refi at today 's current low interest rates and just recently I was called by a place called XXXX XXXX XXXX promising to help me reduce the loan balance and interest rate with my Ocwen loan. XXXX XXXX told me that Ocwen had been sued by the U.S. government XXXX ( I found this article online ) and they said that with their contacts they could help me. 

Well, yesterday I got Ocwen 's refi offer ( all XXXX something pages of it ) The refi does not guarantee to lock in the low interest rate on the loan over the entire remaining time of the loan. It also says that they will additionally receive XXXX % of any appreciation the home has over the next 20 years. And if that is not already outrageous enough they then sour the whole thing with a balloon mortgage after the 20 year mortgage is finished where they demand a final principle payment due in full upon the maturity of the loan no less than {$160000.00}, plus all accrued interest on that amount for the past 20 years ( no disclosure of what that rate is ), all advancements made by the mortgage company and a XXXX % inflationary and market appreciation in the value of the property yet again ... 

Now I 've already been struggling to pay on this ridiculous loan for the past ten years and I will not be swindled by them again, but I really wish there were some way to force this company to make actual proper equitable solutions without having to go into bankruptcy. Is n't it already enough for them that they make XXXX to XXXX times what was loaned out over 30 years? Obviously they are still trying to push people into foreclosure and ruin with their treachery and chicanery.

Company response to consumer: Closed
Consumer complaint received 2016-06-21 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
Ocwen Loan Servicing , LLC ( www.ocwen.com ) changed payments in XXXX 2016 without providing detail supporting the change. I continued to make the original payment. Now that detail has been provided, I called XXXX to make the payment to account # XXXX but the telephone message said that the account number is invalid. 

There is a payment address of Ocwen Loan Servicing , LLC XXXX XXXX XXXX in XXXX, XXXX XXXX. This address differs from the previous address for all payments of {$160.00} have been sent for more than 3 years. The previous address that my bank has been sending payments is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. All regular payments were to be sent there. 
Which address is correct? Why does n't the account number work? We want to pay but not if they will not recognize the account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15 00:00:00
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
many years ago a mortgage broker defrauded my mom and i by putting her on the mortgage and me on the deed, ,this is my home not hers and it was my down payment..after years of attemptong to correct this error the loan was taken over by ocwen who eventually let me assume my oqwnloan and gave me a huge ballon payment and to make mattters worse they wrongfully reprted to the credit agencoies that i missed XXXX payment when my name wasonly put on the mortage 4 months ago ... ... because of this i was denied a loan for an apparatus that i need for a XXXX child that the state will not cover ... so far they have not corrected their error

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I just received an ameratization statement and it showed an among due of {$4800.00}! I immediately telephoned and received differences in amounts due either by automated and person. Finally asked for supervisor and received more different figures, told to call my bank and trace the payments, did that and all payments show being made to the mortgage, none returned. Telephone the mortgage company OCWEN with response from bank and giving them the 'dates and amounts of the payments ) and they ca n't tell me anything other than the money was returned, we did n't have permission to make XXXX payments, and they ca n't override their system to accept any payment other than {$4800.00}, due to the account is more than 87 days delinquent, yet now at the end of the call they want another {$2900.00} for a shortage in the escrow!! What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Healthcare Financial Services, LLC
State: MS

Complaint narrative:
In XXXX 2016 I paid off a medical bill three months early. I paid electronically thru the Healthcare Financial website. I received a confirmation email. In XXXX XXXX with Healthcare Financial called saying I owed money and had not paid since XXXX 2016. I informed her of my payment in XXXX and gave her my confirmation number. She informed me they were in the process of switching their collections system and I may have received an email confirming payment but that did n't mean the payment went thru. With her on the phone I checked by bank account and confirmed the money did come out of my account. She said she would review the account and call me back. The next several days I called to check on my account and spoke with XXXX on XXXX XXXX and XXXX on XXXX XXXX. XXXX requested I fax her a copy of the email and a copy of my bank statement. A manager called me later in the week and informed me they were looking into the account and that they would place a hold on my account until the issue was resolved. XXXX XXXX I received another call from Healthcare Financial asking for payment. I informed " XXXX XXXX '' of the previous conversations I had with HFS and of the faxed documents I had sent on XXXX. She asked that I fax them again. I did fax the documents.. The next day I happen to receive a letter from HFS requesting payment as well. 

I have paid this debt and provided paperwork to prove the payment did come out of my bank account and the company itself sent me a confirmation email.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
My home loan is through Ocwen Mortgage ( it was not the originating lender, it was sold to them ). I have tried several times to make extra payments toward the principal on my loan with explicit instructions that the money be put ONLY towards principal. Each time it was " mistakenly '' treated as a payment and had interest removed. I had to fight with their people on the phone to have the payment properly credited -- which they finally did. But, now I 'm hating the thought of having to go through it again. I have researched their site looking for proper instructions in how to make extra payments towards the principal and ca n't find the proper instructions. I 'm extremely disappointed with this company and wish I had some control over who the loan was sold to. I pay more than my mortgage each month, on time, but I feel like this place is looking for ways to make me pay extra all the time!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
There is a NEW XXXX stand off between OCWEN and XXXX and my autistic son XXXX XXXX is getting hurt by OCWEN and XXXX blaming each other instead of restoring my perfect six year payment history so I can get a personal loan to fix my son 's XXXX. An XXXX doctor said that if he had teeth like my son, he would want to be on XXXX until the XXXX got fixed. XXXX can not take XXXX and is suffering intense pain until OCWEN and XXXX undo the damage preventing me from getting a loan for XXXX ' XXXX XXXX. This nightmare has been dragging on for months now. Here is a link that shows you OCWEN was engaged with a similar XXXX Stand Off with XXXX in XXXX 2016. The ongoing and various delays have turned this into an Americans With XXXX matter. My son could have had his XXXX by now. Because of the various delays, we have no idea when I will be able to get the loan now. I did nothing wrong. My autistic son XXXX did nothing to deserve being kept in pain like this. Here is the link to the blog about this most recent XXXX Standoff with OCWEN and another party with me and my son trapped in the middle. This should not even be happening. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
This complaint describes the determining the origination of identity theft, talking with Chase and not receiving a resolution. 
In XXXX 2016 I a responded to a direct mail refinance offer from Chase. I called XXXX and spoke to XXXX XXXX XXXX XXXX # XXXX. I gave XXXX XXXX all of my personal information over the phone, incl., SS number. Following, I was requested a credit card number to place a {$500.00} good faith deposit. I used a XXXX XXXX, which was an updated card issued the previous month, with a new XXXX digit back code. 
By XXXX XXXX, all of my personal information and the credit card number were stolen with an attempt to hijack this XXXX account with a name/address of XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX, email : XXXXXXXXXXXX, phone : XXXX. None of my other current credit card accounts has had a hijack attempt, only this XXXX which was used at Chase with all of my personal information. 
Soon after, XXXX conducted an investigation and determined the fraud did not originate internally but was called in and had the recording of the conversation of the hijack. 
Using my personal information, the thieves have attempted to open additional XXXX accounts at XXXX and at Chase. I have had to purchase XXXX protection to alert me of these on-going threats. 
On XXXX XXXX I spoke to XXXX XXXX from Chase fraud dept. XXXX x XXXX. I explained the entire matter and was told an investigation would be done. I never received a follow-up. 
It is my opinion and conclusion that identity theft originated at Chase Home Finance, whether it was a hack, or some other breach, possibly by someone in their IT department, as none of my personal information along with my new XXXX card ever appeared in one place together. In the 40 years of possessing credit, I have never had any breach of any kind, nor any credit card theft ever. The fact that this identity theft occurred in less than two weeks after providing my personal information to Chase strongly indicates the source of the theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-28 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
i am under unlawful foreclosure practices and I am about to lose my home due to duadual track I request a qualified written request and they said they have theright to reserve this information for their own, I steal waiting for a responseafter the denial of XXXX modification applications under the HAMP programthey did a payment plan ones under their in house program and let me the paymenthigher than it was at the beginning of the loanthis is about the XXXX complaint that I send and it seem that you help the bank toorganize their fraudulent procedures the comiunication with CONSUMERFINANCIAL BUREAU IT IS NOT WORKING ON THE CONSUMMER BEHALFI CALL AND THE AGENT ON THE PHONE SAID, " I CA N'T GIVE YOU LEGALADVICED " I DID NOT CALL TO FIND LEGAL ADVICE I AM REPORTINGA FRAUDULENT ACCITONS FROM A COLLECTION AGENCY ACTING XXXX BANK AND THIS COMPLAINT FORM DO NOT ALLOWED TO ATTACH ANYDOCUMENTS AT ALL

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19 00:00:00
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: HW Holding, Inc
State: TN

Complaint narrative:
I am not certain where to report this, as it was not an option in the drop-down. I chose the closest issue that was available. 

I have noticed a recent, unauthorized, credit inquiry from a notorious debt collection firm called Hunter Warfield on my XXXX report, and I am taking the proper actions to have this resolved. I was n't contacted for this inquiry, nor did I give any authorization for this inquiry. I hope that this is an issue that can be resolved.

Company public response: Company believes the complaint is the result of a misunderstanding
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: SC

Complaint narrative:
I owe payments for XXXX, XXXX and XXXX. I offered to pay {$1300.00}, which is a payment and a Extra {$350.00}. I explained to them, I could pay this each month until caught up. They are refusing to take my payments. Agent I.D . number is XXXX, who refused. I told her I aould mail it in she said they want post it. I have been asking for help since XXXX, when my husband went out of work for over 30 days, due to XXXX. He is back to work now.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
My mortgage company, Ocwen, does not pay all taxes due from my escrow account. I have to pay these taxes additionally as well as in my escrow yearly estimation. They often pay late ( XXXX or XXXX ) and charge my escrow the penalties and interest as well as lose money in the account. I have relentlessly called, and mailed them request for refunds along with tax receipts, for a year now. The have openly acknowledged they did not pay, but do not know where the funds are and keep asking I give them more time. They are now wanting to charge me {$1200.00}. in escrow by owe me {$7800.00}. I can not afford this increase and will lose my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
For 2 months the Ocwen said they did not receive our payments. I told them we had sent them by mail, as usual. They made me beg for 1.5 hours and XXXX different people in order to get the late fee waived. Then they found our checks and cashed them without telling us. Now we have paid payments ahead for 2 months, because they found the checks. Now we need that money to pay taxes, but they have already credited it to our account. 
Also, the rate changed in XX/XX/XXXX but the payment coupon did not. They charged us the additional amount, but they show it on the statement as a fee, not principle and interest.

Company response to consumer: Closed with explanation