vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: OK

Complaint narrative:
Around early XXXX XXXX, I applied for a loan modification with my present loan servicer XXXX XXXX XXXX. After I applied for a loan modification, my loan was then transferred to a new servicer Ocwen Loan servicing around late XXXX XXXX. It was explained to me by XXXX XXXX XXXX that my loan modification would pick up where it left off with Ocwen Loan servicing. In XXXX XXXX, and XXXX XXXX I contacted Ocwen to request a loan modification because I never heard anything else about the loan modification that I originally applied for through XXXX XXXX XXXX. On XXXX XXXX, XXXX Ocwen sold my home and confirmed the sale around middle of XXXX XXXX, after several attempts of communication made with them concerning a loan modification. On XXXX XXXX, XXXX, I contacted XXXX, XXXX XXXX XXXX trying to prevent losing my home. XXXX XXXX XXXX escalated my case and it was determined by the escalation specialist XXXX XXXX Agent # XXXX, that Ocwen did not establish proper solicitation or right party contact and asked Ocwen to rescind the sale but they did not. Ocwen Loan Servicing claimed they sent out my solicitation letter in XXXX XXXX, and the trial modification approval on XXXX XXXX, XXXX, to an address my previous property ( XXXX XXXX XXXX, XXXX, OK XXXX ) that they had already foreclosed on back in XXXX, more than 4 years prior. In XXXX XXXX, Ocwen denied my loan modification because I did n't return my RMA that I never received or knew anything about to return because they sent it to the wrong address intentionally deceiving me and setting my loan modification up for failure. Its very hard to believe that Ocwen did n't know that I was at my new address ( XXXX XXXX XXXX XXXX, Oklahoma XXXX, OK XXXX, for years or even outrageously disregarded my address for over 4 years. Although, they sent me my servicing letter to the current correct address and also all of my previous information from XXXX XXXX XXXX had my current address of XXXX XXXX XXXX XXXX before it was transferred. I ultimately lost my home and had to relocate and pay relocation expenses and it caused severe emotional distress. Ocwen Loan Servicing intentionally set my loan modification up for failure and has committed fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Cooper Hoffman Klein Associates
State: TX

Complaint narrative:
I honestly do not know what this company is calling my mother for, in regards to me. I returned a call to XXXX and when I was connected to extension XXXX to a XXXX, all he asked what was my location. When I asked XXXX XXXX what this was in regards to because I was searching online for some information on XXXX and Associates, and I could not find anything. XXXX XXXX then became very irate and said that it was irrelevant, and If I wanted to make this hard or easy. I then told XXXX XXXX, that 's just it sir, make what hard or easy? I am just trying to see why you all keep harassing my mother. He then yelled very loudly to serve you papers, or something of that sort. and I said, papers for what I do n't think I 've done anything wrong. He then became very angry and proceeded to hang up on me, but before the phone hung up, he was heard saying just send the units out. All the while he was talking over me. I do not know what this call was about, but whoever XXXX XXXX is was very rude and unprofessional to me, in addition to scaring and harassing my mother. I do n't appreciate this kind of harassment, especially when I respectfully asked for information and was n't given any.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
Ocwen Loan Servicing LLC has refused to release my property title despite the fact that I have made all the payments outlined by the Promissory Note. I have made several attempts to resolve this matter with Ocwen and all I have received is inconsistent information. The last time I spoke with A Consumer Account Analyst, XXXX XXXX XXXX XXXX who pointed out to me that Ocwen is using a different method to calculate the interest and apply the payments made than what is included in the initial agreement as specified by the Promissory Note. She indicated that she would speak with her supervisors/managers with the goal of resolving this matter but we have since only received a letter threatening us with foreclosure. 
The loan we took out against this property originated with The XXXX/Consumer Finance XXXX XXXX we made the XXXX payments as outlined by the Promissory Note and expected to get our title but this has been held by Ocwen and they have not been willing to outline clearly the rationale for the amount they are alleging we owe. 
We desperately need your help. We can not afford to get an attorney at this time because of our employment status. If there is a ligitimate basis for some amount owing all we are asking Ocwen to do is to point it out to us so we can understand and we will honor our obligation as we have been doing since our XXXX payment XX/XX/XXXX through XX/XX/XXXX 
Please help us, we do not want to loose our home that we have worked so hard to finally pay off.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
My name is XXXX XXXX. My mother is XXXX years old. I have been handling her finances for the last 6 years, since she almost died from XXXX XXXX. Her mortgage company has been scamming her for years. OCWEN. I have filed numerous complaints to them and NOW you can not even reach an agent at all. They now are ONLY as debt collector. I supplement my mothers income monthly since she has limited income. Her mortgage was ( approx ) $ XXXX then escalated to $ XXXX then i was able to get them them ( at that time it was XXXX ) back to $ XXXX. This last year I applied for her for the HAMP program. Well now they are demanding over $ XXXX as well have been sending DELINQUENT NOTICES yet I have been PAYING HER MORTGAGE every single month? Where is that money going to??? 
HER ADDRESS XXXX XXXX XXXX CA XXXX XXXX am her daughter XXXX XXXX am authorized on her behalf for all her financials

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Pretty simple, really. Just like many, many others, when visiting annualcreditreport.com and requesting all XXXX credit reports, I received only XXXX ( XXXX ), and the others ( XXXX and XXXX ) both reported " errors. '' How can we trust these agencies with our financial information if they ca n't even follow the law and provide annual free credit reports without having to resort to mailing documents and such. They clearly are intentionally mishandling the requests for free reports, and make it difficult to obtain them - unless of course you want to pay for it. 

It 's despicable. Sad, really. Pathetic, even.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-05 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I paid 6 trial payments. The 5th and 6th payments were not applied to principle but 1-4 were. They filed a notice of trustees sale around the 5th payment. I currently have an open court case in the XXXX XXXX Superior court : XXXX. It appears to be a clear violation of the Homeowner 's bill of rights. The lawyer fees I have had to pay are expensive and I feel there may be many other people being treated the same way by Ocwen Loan Servicing who could not afford the legal support I am getting. I am asking that you open an investigation into Ocwen Loan Servicing , LLC and what they are doing or should be doing to comply with CA 's homeowner bill of rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-30 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: AZ

Complaint narrative:
Union Bank continues with Fraud, false Banking Statements, False Alerts and has made contact with Store Merchants along with XXXX and XXXX. Union Bank of XXXX and XXXX XXXX have Violated my Privacy Bank Rights and by giving merchants my " Savings Account Number ''. After making On-Line Payments Union Bank Web-Developers and Programmers made contact to send back payments, by using my " Saving Account number. History will show continued Fraud by Union Bank employees. On-Line payments were made only using my checking account, Debit Bank Card, then Union Bank employees would make contact via phone and instructing them that the account was over drawn then having the merchant re-send the payment back using my Savings account on XXXX different transmissions. Union Bank on-line statements will show and prove that at that time, the Checking Account had sufficient amount to cover all transactions. Union Bank Programmers have committed criminal activity by posting Fraud overdraft charges on XXXX different transactions then " Blocking on-line access. Union bank has made Refunds on XXXX different complaints, the calling merchants a second and third time to send back on-line payments, evidence of statements will prove that Union Bank Programmers have violated wire transfer laws, posted false statements, then refunded on XXXX different transactions. No Savings Debit card was ever issued, only Checking account. Union Bank employees continued this criminal activity for the month of XXXX XXXX and XXXX XXXX. A positive balance was maintained with a positive amount of over {$660.00} during this time. Union Bank is located only in XXXX, and since I relocated to the State of XXXX this criminal activity started, knowing the nearest Union Bank is over XXXX XXXX miles away. XXXX Documents of Bank Statements and on-line printed statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: TX

Complaint narrative:
My home was bought out by caliber home loans I received a letter that we owed XXXX so when my husband received his SOCIAL security check I mailed XXXX to them then I sold some retirement and mailed another XXXX Then my husband received his va Benefits I mailed another XXXX Logged into their website it showed I owed XXXX today I logged into their site it showed I owed XXXX called them and was told that all my payments were not applied to the loan they were holding XXXX to see how to apply it to the loan and they had not received the other XXXX Caliberhomeloans.com is a rip off

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: CO

Complaint narrative:
XXXX sold my mortgage to Caliber right when we were almost done with it. my home was set for auction XXXX XXXX caliber took it over XXXX XXXX XXXX had requested a postponement but it did n't go thru before the change, no one at caliber could help me, since i was n't in their system yet. I was in a state of sheer panic. i was going to lose my home because i was n't in the system???? I called everyone, i talked to supervisors, managers at caliber to no avail. i finally called XXXX who had done everything right for me. i finally got the foreclosure attorneys contact from XXXX. i called them, they had chases request but since caliber now held it they needed it from them. i begged, pleaded and threatened a law suit. nothing. the friday before the sale i did n't know if i was losing my home or what was happening. i had been contacting Caliber daily, same results, nothing. in desperation i called the foreclosure attorneys again. the girl i had spoken with preciously had put a postponement request in new date XXXX XXXX, XXXX XXXX weeks from today. Finally on XXXX XXXX Caliber had my information. I spoke with a lady explained for the XXXX time my situation. she walked me thru to where the loan modification papers were on their website they needed to have them within XXXX days of the sale. Wednesday, XXXX XXXX 2015 I emailed the documents, I requested they request a postponement so we could take care of this, and I requested receipt of documents, not surprisingly, i received nothing. i had explained that i am currently without a phone and need email communication. On Friday XXXX XXXX I again requested affirmation of receipt of documents, again nothing. This week I have sent thru their website XXXX times for help. I have heard nothing and my home is set for sale in XXXX weeks. I am XXXX and not in great health and my husband is XXXX from a XXXX. My grandkids also love here with me. i ca n't pack everything up and find out it was for naught ( much less the confusion to my husband and grandkids ) at this point I have no idea what to do. HELP ME PLEASE PLEASE right now i can only be contacted via email, but my phone should be back on soon that number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
Adding documentation regarding the Bad Faith claim against Comenity. Daily I get letters tha dispute the last letter First letter ( not attached ) came in XX/XX/XXXX saying it was never cashed and when I called they agreed to cancel it. At this point I suspect theft/fraud/bad faith. Please review the letters and these are related to original complaint XX/XX/2017 # XXXX since not able to add attachments after originally submitted. I had also made a complaint to FDIC and they forwarded it back to you and XXXX was opened. It 's just a duplicate of XXXX so ok to close out XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-11 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
dear sir i did respond with a dispute-this is my XXXX complain on caliber home loan -- i did call to XXXX rep on this loan modification and geting deterrent answer-they asking me again and again to send them paper -- -please ask them to tell me in righting what they wont -- going to send them again-spoke on-XX/XX/2016 to id XXXX-on -XX/XX/2016 to id XXXX -- on XX/XX/2016 to id # XXXX also spoke to id # XXXX -- -also on this date spoke to manager XXXX id # XXXX they wont me to send again to them what i already send them -- -- -- -- -- also have a co helping me with all the paper theta they asking co name XXXX-debit management credit consulting i am sending back to them paper theta thy asking -also sent 2 email on the site caliber home loans -- -- on XX/XX/2016 i did send them all what they need, a-3 party send them all the wont to do a loan modification going to send them again -- can they be specific what they wont -please help-than you, please have them send in righting what they wont XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Prepaid card — ID prepaid card
Issue: Fraud or scam — 
Company: CURO Intermediate Holdings
State: NV

Complaint narrative:
I made several transactions that were declined and the company held up my money for seven days each time stating it was the other company that was holding up the money. If the transaction is declined what ever money is on the card should be able to be used. Their thieves. I printed the transactions so I have proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
The company is called Speedycash. It is a pay day loan service, but they also have gaming consoles, and electronics such as laptops and tablets. Having had an old computer I decided to get a laptop though them since it seemed an easy process to do. To sum it up. I got the laptop. Payments are automatically ( required ) to be taken out on your paydays per their stipulations. My pay days were every other Tuesday, so they debited the XXXX dollars out of my account every other Tuesday. The problems started when I changed jobs. With the new job, my pay days are every other Friday instead of Tuesday. They kept taking my money out of my account every other Tuesday like those were still my pay days, which caused my account to be over drawn twice. I called them and told them this. They said they would make the changes in my account of my new pay days so the payments would go through on the correct days. The changes did n't happen and my account was overdrawn again. I called them again and told them this, which because of all this caused me to be behind XXXX payments to them because they were drawing the money out on the wrong days. I called them and told them the problem yet again. Spoke to two different representatives and set up a payment arrangement to be taken out of my account to catch me up the following Friday. The following day another major problem happened. I called again to ask another question about my account and when I verified my information ( my name and ssn ) they said that the info I gave them did n't match what was on file. ( mind you I had just spoken with and verified my information with two different customer service reps the day before ). Frustrated, I was told I had to call one of the local Speedycash stores and give them my information again and the customer service rep at the store had to the call customer service center and give them my information. This did n't make sense to have that level of incompetency happen that fast with my personal information. Once that was cleared up just in the last few weeks and the day of this writing they have been ( attempting ) to take money out of my account on days when I have n't authorized. The day of this writing, XXXX dollars was taken which caused my account to be overdrawn again and the same amount was tried last Friday, which caused me to be late on my car payment. The only thing I am left to do is to change the account # on my account information that they have so they wont be able to just go in my account Something needs to be down about this company and their shady business practices. They have lied to me when I have called and asked about how and when my payments go though my account, saying that its all up to a computer system and that they have no control over it. I was even told that payment arrangements are n't always honored because of this so called system. Any help would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I attempted to contact the company, however, they would n't allow me to talk to someone. I sent 2 letters and the first time they responded about the wrong account and the second time they ignored my issues completely. The creditor - Comenity Bank - engages in shady business practices and does nothing to actually look into the issues and truly investigate. I also submitted a dispute and within 2 days they responded stating the information would not be corrected. They did n't even investigate! 2 days turnaround shows not even looking into the matter. I have other accounts and have been a good customer, however, they could n't even help me with this matter. I have read several better business bureau complaints for this creditor with similar issues. I want the late reporting removed because it is inaccurate and due to errors on their part, not sending statements and disputed fees

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: VW Credit
State: NY

Complaint narrative:
I was charged by Volkswagen Credit XXXX for wear and tear upon returning my lease vehicle. This bill came almost XXXX months after I dropped off the car. To dispute the charge, I paid the bill with an XXXX card. Supporting documentation was submitted to XXXX and on my behalf, they waited for a evidence and a reply from VW to support their claims of the damages, but there was no reply. After almost XXXX months, I was then issued a credit of XXXX ( minus the return fee of {$350.00} which I paid ) from VW. A few weeks ago VW sent me another bill for XXXX. They called and threatened that the charges would go to a collection agency if not paid. [ In addition to this over a year ago, the maual transmission, for the same car in question, failed on the highway. VW claimed abuse, and I was charged over {$2000.00} for a car barely XXXX years old. According to them XXXX other women have had the same issue and was not aware they did not know how to drive a stick and was responsible. They offered this unsolicited information despite the fact that my previous car was a VW XXXX as well. XXXX stepped in and disputed the charges and I was issued a refund. ] Because of their questionable practices I decided to return my car a month early and paid my last month 's payment early. This was a clean car that I returned. The has a parking space both at work and at home and rarely parked on the street.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-25 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
i applied for a loan modification with XXXX XXXX under the making home affordable program, in fact my loan was in process for that program until the servicing was change to CALIBER HOME LOANS once they took over every thing change instead of loan modification staying within the Hamp program they took upon themselves to put it into a forbearance agreement and offer me a higher interest rate and payment that is {$1300.00} a month higher then my orginally loan payment, so i rejected it and appeal it because it is not making my loan more affordable this loan modification is designed for me to fail, it is not helping me it`s hurting me i want to keep my home not lose it, XXXX never had a problem with my request for the Hamp program so why is caliber trying to put me in a bad deal, and as of today I got a notice of sale on my home while i am still trying to modify my loan, i have a job and income to pay a mortgage payment again under the HAMP PROGRAM GUIDELINES not a payment that almost doubles what i had before

Company response to consumer: Closed with explanation