vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ResidentCollect, Inc.
State: TX

Complaint narrative:
This has been disputed numerous times. I have not received any validation of the debt that I owe. No paper work showing my signature. The dispute was sent back in XXXX so it 's well past the 45 day time for the response for the validation of this debt. It has also been over the 4 years so the statue of limitations has past to collect on this debt per the state of Texas debt guidelines. I would like this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: VW Credit
State: OH

Complaint narrative:
VW CREDIT INC ( Volkswagen Credit Inc ) includes a " 60-day late '' on all three of my credit reports. This " 60 day late '' happened on XX/XX/2012 and XX/XX/2012. However, I never owned, leased or financed a Volkswagen for myself or anyone in my household or family, and never paid or sent any checks/wires/payments. I have previously disputed this " 60 day late '' with all 3 credit agencies, who have duly noted that I dispute it and disagree with VW Credit Inc. I have also disputed this directly with VW Credit Inc. Unfortunately, they refuse to remove it or conduct a serious investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: ME

Complaint narrative:
I have been trying to complete a deed in lieu of foreclosure on my property of nearly three years. I filed Bankruptcy in XXXX of XXXX ( XXXX in XXXX XXXX ). At the time my mortgage was with XXXX XXXX XXXX. Not long after my discharge XXXX sold my mortgage to XXXX XXXX XXXX Bank, who then sold it to Caliber Home Loans in XXXX of XXXX. Even though I had tried multiple to times to turn the home over, I immediately contacted Caliber to try again as soon as I received word that they were the new holders of the mortgage. I did this even though I was no longer financially responsible for the note due to my discharge from bankruptcy. Not only did each company along the way continue to call me in an effort to collect the debt ( against the law ), I have had the worst time trying to simply move on with my life by completing a deed in lieu. Once I contacted Caliber and completed the paperwork for the first time, they sent someone out to the property to inspect / appraise it. At the time they were unable to do anything because they stated there were people living in the property ( squatters ). They told me I needed to have them evicted. The building became vacant between XXXX XXXX and XXXX XXXX and I have still been trying to complete a deed in lieu. My attorney has had multiple contacts with Caliber to no avail. The have stated they did n't have all of the information they needed, so we sent them more. Then they said I had a sewer lien, so I contacted the city on a Friday. The city said there was no lien, but one would be placed the following Monday. Caliber at that point agreed to pay the approximately {$450.00} lien in exchange for a reduced relocation fee. I gladly agreed and waited for my paperwork, which never came. After more agonizing time goes by I received a call from my account manager who advised me now that there was a $ XXXX lien on the property. Why this never showed up before, I do n't know. I was advised the loan was taken out in XXXX, which was difficult seeing I did n't buy the house until XXXX. I dug in and contacted the title company that performed my closing. The attorney for the seller apparently never filed the discharge for that lien, though the loan had been paid. After about two months, I finally received a copy of the discharge and forwarded it to my attorney who then forwarded it to Caliber. This was on XXXX XXXX, XXXX. To date, neither my attorney, nor myself have heard from Caliber regarding my deed in lieu. My patience is wearing thin. It has been 2 1/2 years since I filed bankruptcy and I still have a house hanging over my head. I truly want nothing more than to move on with my life. Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CURO Intermediate Holdings
State: NV

Complaint narrative:
I have a loans out through XXXX. I have had fraud on my bank account recently I do not want my bank information to anyone. I have told them I revoked my authorization to debit that bank account. They refused to take my account information off. I do not wants fees and overdrafts because they wo n't work anything out with me. I have talked to them numerous times. In the loan agreement they do not state how to unauthorize the debit to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
Refused to accept my insurance claim. Refused to allow for payments. Continues to call outside of XXXX-XXXX business hours. Has kept multiple paid accounts on credit report stating they would not remove until paid account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: NC

Complaint narrative:
Hello, I have a private loan with XXXX XXXX XXXX. I defaulted on my loan and I was n't able to pay because of unemployment. They sent my debt to collections were I was making {$40.00} a month payments. Then they sent it to another collections agency and now it is with Weltman , Weinberg & Reis collections. They have been calling my parents house everyday since last week. They sent me a letter in mail saying pay in full. But I 'm still not working and have XXXX money in bank they only thing I can afford is {$15.00} a month until I 'm employed and I 'm more than willing to make higher payments. My father co sign but I 'm responsible for the loan he is n't working either and have medical bills because he had XXXX and had to have XXXX last year. He had a total of XXXX in 7 months the most recent in XXXX 2015. When he cosign he had no idea I would n't be working and could n't pay. So I 'm responsible and just need to make monthly payment plans or a rehabilitation program that I was n't offered by original loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: TX

Complaint narrative:
I had XXXX phone calls back to back and even XXXX calling while I was on the other line with the same company on my work phone number. I have asked them to not call my work, they are free to call my cell phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I had a loan with Comenty Bank XXXX. I was referred to them through XXXX. XXXX over billed me and was supposed to make the necessary correction. I was paying the bill every month on time for an original loan of XXXX at XXXX per month. After two year of consecutive payments they added an addition XXXX on my account. I disputed the amount and I was sent a letter by Comenty to settle the bill for XXXX which was paid within the 30 days required for the agreement. I just received a XXXX which is making me file the difference on my taxes. This is not part of the contract I agreed to. According to the parol evidence rule of law ... you can not re-negotiate a contract that is in writing unless it is in writing and both parties agree to the new provisions of the contract ... Well I did not. I was never told about this and as far as I 'm concerned the bill is paid and it has been adjusted on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
The last correspondence I sent this company on XX/XX/2016 pertained to a demand for validation for the referenced accounts. r They failed to provide me validation of the accounts and at the same time persevered with reporting them on my credit report. This is a blatant violation of Fair Debt Collection Practices Act ( FDCPA Sec 809 ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PlusFour, Inc
State: CA

Complaint narrative:
I received emergency medical service in XXXX, Nevada. I am a resident of XXXX and have medical insurance I receive medi-cal and I am covered on all emergency visit inside the USA. My medical insurer, XXXX XXXX XXXX contacted the XXXX XXXX XXXX and informed them they could send the bill to XXXX. A XXXX XXXX representative agreed over the phone and still have not billed XXXX. XXXX XXXX XXXX has sent my account to collection.

Company response to consumer: Closed
Consumer complaint received 2016-10-13 00:00:00
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
Hello. I missed a payment with a company called SpeedyCash. I called them, apologized, and promised that I would pay them on my next payday. I asked them to stop calling me. In spite of my contacting them in good faith and my promise to pay, they have continued to call me even though I officially asked them to stop. I have written them a Cease and Desist request as well. -- -

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: HW Holding, Inc
State: GA

Complaint narrative:
I never received proof of any debt and an opportunity to dispute it. I have contacted Hunter Warfield directly and they confirmed they had the wrong mailing address and that I did not receive any documentation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
I need access to my property, for a realtor to appraise the home for a short sale. The mortgage company OCWEN will not talk to me, as they have pass the debt to a collection agency XXXX XXXX, XXXX. The collection agency will not ask the mortgage company for the name of the company I need to call to get the key. I ca n't get the process to move forward with out the appraisal, yet they both want payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
Ocwen Loan Servicing , LLC continues to send mortgage account statements on property that has been foreclosed on ( XXXX XXXX XXXX XXXX, XXXX, NC XXXX / XXXX County, NC XXXX ID XXXX ). 

Deed filed XXXX County, NC XXXX of Deeds Book XXXX, Page XXXX of where the XXXX XXXX XXXX XXXX , XXXX foreclosed on home and grantee is XXXX XXXX, XXXX for {$3500.00} recorded XXXX XXXX, 2012. 

Then deed filed XXXX County, NC XXXX of Deeds Book XXXX, Page XXXX XXXX XXXX XXXX, XXXX to XXXX XXXX XXXX XXXX. 

Then deed filed XXXX County, NC XXXX of Deeds Book XXXX, Page XXXX XXXX, XXXX XXXX, XXXX XXXX to Grantee XXXX XXXX. 

Ocwen Loan Servicing has been made aware of the sale by myself sending them deed book and pages of the sold home.

Company response to consumer: Closed
Consumer complaint received 2016-11-15 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
I filed chapter XXXX bankruptcy in XXXX and my mortgage was included in my bankruptcy. My bankruptcy was discharged in XXXX, XXXX. Ocwen Loan Servicing was paid by the trustee each month. I paid my mortgage in full each month on time!!!!! I received paperwork from Ocwen Loan Servicing on XXXX/XXXX/XXXX that my mortgage was delinquent in the amount of {$8900.00} for XXXX - XXXX. They are now threatening to foreclose on my home if I do not pay the {$8900.00} by XXXX. 

Also, if they had not received payment from XXXX - XXXX, they would have informed the bankruptcy trustee and my house would have been foreclosed on then!!!!!!!!!!!!!!!!!! 

ON ONE HAND THEY SAY I 'M CURRENT AND ON THE OTHER HAND THEY SAY I 'M DELINQUENT. 

My account was never updated with regards to my bankruptcy. My account should be current!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
Ocwen Loan Servicing has been making a disaster of my account for months. I applied for a modification 6 months ago. Ocwen put me on a trial modification plan at that time. Since then, they have LOST payments, returned payments, sent letters they had not received payments ( when I have the receipts for those " unpaid '' payments ) and have really NO idea what they are doing. I asked them on countless occasions ( called them over XXXX times since the first of the year ) WHY XXXX person at OCWEN has NO IDEA what the other is doing. The last time I spoke to a supervisor, he gave me the reason for all the confusion as being the fact that my " file is over XXXX inches thick. '' He assured me, as all the other people always did when I 'd call, that he 'd " look into it. " I finally received the loan modification agreement for me to sign and have notarized last Monday. Tuesday, the XXXX, I had it signed and notarized and back in the mail to OCWEN. 
Meanwhile, I again receive a notice that OCWEN never received my XXXX and XXXX payments. I have receipts for both. ( That 's when the supervisor told me he 'd look into it. ) Then, yesterday, the XXXX, I received ANOTHER notice from OCWEN that my account was now in default. 
This XXXX has been going on too long. I am afraid that because of OCWEN 's inability to keep even the simplest of facts straight, my already shaky credit score will suffer. 
Can you help, please? 
Thanks, XXXX XXXX ... I am currently unable to scan documents, so I am unable to send the last XXXX OCWEN notices : the " non-payments '' and the default letter I just got.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
Ocwen XXXX our mortgage payment without any notification. When we called to find out why, we got the run around. The only answer we got is that shortage in escrow caused the increase. There is no way a shortage in escrow could be an extra {$2000.00} each month. 
Our payments are automatically deducted and we have never missed or been late on a payment. 
They just keep saying that someone will get back to us, which still has n't happened. 
We have been paying the exact same amount for the last two years, then all of a sudden it doubles. They have our money and will not refund it. What now?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12 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: HW Holding, Inc
State: MD

Complaint narrative:
This company representing XXXX XXXX XXXX allowed a fraudulent renter continue to live I need a unit using my SSN ... even though I called them to ask ( several times ) if my SSN was being used. They ( XXXX XXXX reps ) told me several times that the SSN I was giving them was not the one they had on file. A year later I was applying for a pre approval for a home loan and Hunter Warfield ( the collection company ) had placed the apartment on my credit for $ XXXX. It was on my credit report for 6 months before I found out!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I am 3 year loan modification with my mortgage company, OCWEN, which reduced our principal over a three year period. I recently learned after being in the final year of our loan modification that OCWEN removed us from the principal reduction after one year into the loan modification. OCWEN did not notify us regarding the removal of the principal reduction program. We are current and have been current on our loan. We live in a XXXX square foot home with XXXX bathroom with XXXX children. At the end of the principal reduction our principal was going to be approximately {$380000.00} which puts us in great standing. OCWEN now states that we owe them {$570000.00}. Our current home value is approximately {$450000.00}. We were planning on selling this home at the end of our loan modification and upgrade to a larger home. If this does not get corrected we will lose our home. We have lived in this home for 9 years. We put a {$60000.00} down payment on the home. This is devastating for my family. Our loan number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Sentry Recovery and Collections, Inc.
State: FL

Complaint narrative:
Sentry recover XXXX promised to remove collection account completely from my credit reports and it still shows on the transunion credit report. I have tried numerous times to contact the company as well as dispute it with the credit reporting agency to no avail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
My loans, for studies at XXXX XXXX XXXX, entered the repayment period 3 months ago, however, I am unable to make the payments. I notified Navient through their Customer Advocacy division ( XXXX ) and they are well aware of my difficulties, having submitted to them a full financial worksheet detailing my inability to make payments on private loans. I gave them this information 7 months ago so that we could work out a payment plan that would prevent me from missing payments. 

Despite knowing of these issues well before my students loans entered their repayment period, I have not received a payment plan adjusted for my income and costs of living. In the last 3 months, I have sent multiple e-mails to Navient but have not received offers of alternate payment options. In the meantime, my credit is suffering since I am unable to make the requested payments ( of XXXX $ /month ). 

My complaint is simple : I am displeased with their failure to communicate within a reasonable time frame. For every XXXX I send to Navient over a 2 week period, I receive only 1 message in return, despite the urgency. That is, while I hope we can work together to agree on a repayment plan, my credit is suffering due to miss payments. 

I propose all future communications with Navient become restricted to the CFPB platform so that our discussion is monitored by a trusted third-party. From these discussions, I hope we can agree upon a fair payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
The bank processed credit card transactions that resulted in overdraft fees, I do not have this service setup and they should not have processed these transactions. They claim they are reoccurring because I used the same companies before but I did not authorize this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief