vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-21 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HW Holding, Inc
State: CA

Complaint narrative:
I 've been homeless after I move from apartment call XXXX XXXX so I can not receive mail Hunter Warfield claim email me papers about a settlement offer you have n't proved it also my ex-husband is on this least we had together but I only see it on my credit report we both signed a legal and binding contract I am now divorced from my ex-husband and now I have to deal with that debt I 'm wondering how come they never went after him I 'm not working due to a XXXX but he is when I left the apartment I did n't pay {$1700.00} and then Hunter Warfield climbing out of {$4100.00} this is a nightmare for me I have asked them to send me a paper to my current address. What I was told over the phone is after I paid the full balance I will get a letter a discharge meaning I no longer own it not sure why they would tell a lie like that because they do record us when we call

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Ocwen Financial Corporation
State: NH

Complaint narrative:
I am trying to refinance my home. In XXXX my payment had changed and I inadvertently sent in a payment which was {$71.00} short. Ocwen mortgage is now reporting that I never made the payment in XXXX. My new potential mortgage company can not refinance without a clarification letter from Ocwen, which they refuse to furnish

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
I have been under active review with this lender for over two months. They have placed my sale date on hold in the past. The underwriter requested further information from me which I provided to them within 5 business days. After calling to make sure they received the information from me, they informed me that they received the documents and that I was in active review but that the sale was still moving forward on XXXX/XXXX/15. I believe that this is dual tracking as they have had a complete file but the underwriter needed another bank statement, which I in fact provided in a timely manner. There is already an opening bid for my home. They are not giving me options to foreclosure. Their tactics are underhanded

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, i filed for Chapter XXXX bankruptcy and it was discharged on XX/XX/XXXX, while in the bankruptcy payments which were made through the bankruptcy trustee totaled {$110000.00} in principal payments and {$10000.00} in arrears and {$7100.00} in post arrears, totaling {$130000.00} in payments.According to caliber home loans out of the {$130000.00} that was paid reduced my mortgage principal only {$12000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
Company bought old debt that has been paid company bought and is harassing me to pay debt that has been paid

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: CO

Complaint narrative:
Since XX/XX/XXXX I 've tried to get a loan modification through Loss and Mitigation at Caliber Home Loans. XX/XX/XXXX they close out my file and reopened it on XX/XX/XXXX again Caliber Home Loans closed out my account. I have sent them via email an application for the Loss and Mitigation process and other requested documents. Every time I phone them back I 'm told I need to send more documents that they did n't receive or claim was n't signed. On Thursday XX/XX/XXXX I sent them more documents. Time is of the essence since my property will be foreclosed on XX/XX/XXXX at XXXX XXXX, Colorado time. I would like to save my home as it is my primary residence.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Autovest, L.L.C.
State: NV

Complaint narrative:
So Autovest agreed to payment arragements of {$250.00} a month. ( See Case number : XXXX ) I can not afford that. I called several times to see if we could come up with a better arrangement I could afford. No calls back at all. Now they are garnishing my paycheck again. Almost {$700.00} a month. 1 ) I no longer own this car 2 ) I am a single monther 3 ) Thinking that when they sued me ( again I was not aware ) the statute of limitations was up. Now I 'd love to take them to court but I ca n't afford a lawyer for this. I know what they are doing is illeagal and immoral. However since I ca n't counter sue them I need a payment arragement of {$150.00} a month. When they agreed to payment arrangements to start XX/XX/XXXX I was still being garnished and payed almost {$600.00} that month. I tried to get clairification which again I received no response. I need resolution ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Alorica Inc.
State: CA

Complaint narrative:
This listed debt originated as a dispute between my health insurance and XXXX hospital. However, GLOBALRECEIV collection agency is in direct violation of The Fair Credit Reporting Act ( FCRA ) which limits how long a credit reporting agency can report negative items in your credit report, this debt is over 10 years old. The collection agencies keep selling the debt to each other and placing it on my credit report even though I keep advising the foregoing and that under the FCRA the clock does not start ticking again each time the account is sold to another collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: MI

Complaint narrative:
Over a year ago my mortgage was transferred from XXXX to Caliber Home Loans. It was a very tumultuous time period because I 'd filed for bankruptcy BUT my home was NOT included and I always paid as agreed. Apparently, per Caliber Home Loans over 2 years ago XXXX XXXX XX/XX/2012 XXXX they said that I did n't make a payment, which is not true because my payments were made automatically using automatic bill pay set up with my credit union. My credit union shows the payment made per the history provided. As of recently, I am receiving mortgage statements equating to the missed payments plus late fees that they just tacked onto my account. Everytime I call Caliber loans, I speak with a different representative who provide a different story regarding my account and want me to agree to pay the late charges when I was never late. Also, prior to this discovery, they were not reporting on my credit report and NOW they want to report derogatory information which absolutely not true. Please provide the necessary assistance I need because I will not pay XXXX for payments Caliber say I missed in XXXX XX/XX/2012 to XXXX. I 've always paid my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
Debt has not been verified. There was no contract or signature provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-06 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Real Time Group, Inc.
State: NJ

Complaint narrative:
I received a XXXX XXXX for {$160000.00} from Real Time Resolutions , Inc. ( " RTR '' ) for a foreclosure on a lot in XXXX XXXX Florida I purchased in XXXX. XXXX XXXX XXXX held the interest-only mortgage at the time of the foreclosure in XXXX at which time they issued a XXXX stating the principal balance was {$230000.00} and the XXXX of the property was {$34000.00}. At the time of the purchase XXXXs own appraiser appraised the property for {$250000.00} and lent me and a partner {$230000.00} ( 95 % ). They then transferred the loan to a XXXX XXXX XXXX spin-off XXXX who sold the loan to RTR who is now sending me a XXXX. They did not send one to my 50 % partner who signed the mortgage docs and sent me a XXXX for the total amount. I contend that XXXX was my lender and they should send me the XXXX which should be for no more than half the amount due. Also, I contend the amount is too great. XXXX predatory lending practices lead to the overpaying for this lot which they contend was worth just $ XXXX a the time of the foreclosure ( three years later ). This reporting was handled completely wrong by RTR. I wrote to them in XXXX and they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CURO Intermediate Holdings
State: MO

Complaint narrative:
I received a loan for XXXX originally applied for XXXX and only took XXXX I got charged for the money I never picked up I paid XXXX on my first installment and I still owe XXXX. The interest is a rip off how can I get the amount paid if the interest does n't go down with a smaller amount due. I do n't get payday loans for this reason easy to get into hard to get out of!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
Last XXXX XXXX at around XXXX in the afternoon i drop by at the Union Bank in XXXX XXXX XXXX XXXX to do deposit of XXXX because i issue a check to my Landlord worth XXXX after a day my Landlord called me and she say, i dont have enought fun so i'lll go back to the bank to check what happen to my monney, i 'm surpriise because the bank is already closed, i 'll go toother bank branch nearby in XXXX XXXX XXXX. XXXX i talk to Vice President XXXX XXXX i said " can you pleased verify the XXXX XXXX XXXX '' he answer i can, because the bank is already closed i give you a call when i verify the camera, after a day he call me and he said i can not see the money i surprised what he said because im sure i deposit XXXX for may cheacking account not XXXX Sir, Ma'am plesse imvestigate this annomaly of this Union Bank im so stress i lost everything to me because of thiis, thanks in advance and may XXXX bless you all.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: The Thomas Agency, Inc.
State: MA

Complaint narrative:
I had no money had all I could do to pay my rent. Offered to pay XXXX $ per month and he refused it. Called me at all hours. Never in my life have I had someone be so rude and disrespectful and not want to work with me. He made me feel about an inch tall and I cried I was so upset. Now on XXXX report these do n't even show and XXXX dies and has dropped my score. I had no idea I could dispute this. I did n't know to even dispute it to. Asked to speak to his manager. He basically told me I was trash. I did end up paying the XXXX $ XXXX and it 's still on my credit report. I just want it removed off the XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-22 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: OH

Complaint narrative:
I lost my job a few years ago, and have been having problems paying back my credit cards. Even though I do not give the full amount I try to pay something instead of nothing currently I have been having issues with XXXX they turned my debt over to a third party collection agency who keeps asking for a large lump some of money or to pay off the amount and they will not accept the funds I 'am trying to give this company also will not send me any type of billing statement. As of now this company is trying to sue me, I wanted to know my options that I have to settle this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
My name is XXXX I was informed by my wife that she was in contact with a debt collection company named XX/XX/XXXX because she requested my credit report and this account appears in my credit report. I was shocked and upset at the fact that your company never informed me that you purchased this account from Comenity Bank. I believe that your company has violated the FDCPA, first by failing to send me a debt collection notice in the mail to give me the chance to dispute or pay this account, reporting this account to the major credit bureaus without a validation of the debt, and improper sharing of information with a third party. You have also violated the FCRA by reporting this account as open on XX/XX/2016. I am requesting that you to remove that account from my credit file immediately. XXXX can not use abusive, deceptive and unfair practices. I believe that your company has crossed the line and I am preparing a complaint with the FTC. I have already file a complaint with the Attorney General 's Office and the Better Business Bureau against XXXX, and I intend to file a complaint with the FTC and a lawsuit against your company and Portfolio Recovery for violating the FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: TN

Complaint narrative:
I would like to explain my situation to you. We, XXXX and XXXX XXXX were supposes to be foreclosure on our home on XXXX XXXX, 2015. The foreclosure did not materialized. I call the law company XXXX XXXX XXXX XXXX XXXX XXXX XXXX and told them. I Caliber Home Loan and told them. They sent me out a new bill on XXXX XXXX and I call a good company XXXX XXXX ) who was sent a proposal to Caliber. I did not know the illegally foreclosed on our home on XXXX XXXX and coupon for {$71000.00} payment amount was not due until XXXX XXXX. We did not receive a notice for the lawyer or anything. They did it under the table. My account number with Caliber was XXXX. I have all documentation. The loan was transferred to Caliber from XXXX who is still apart of Caliber. I hope you can help me get my house back. The people who purchased the home is XXXX XXXX, who was going to let me stay but claim his partner with not. The only number I have for them is XXXX. First name XXXX and do n't answer my phone call at all. My number is XXXX. I have leave my home soon. 
Thanks for the letter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: NJ

Complaint narrative:
i gave a rep XXXX who told me i would be able to get XXXX of equity out of the house when i closed. i did not get the money and was told rental income was reported on my mortgage without any signed leases that i am aware with.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Alorica Inc.
State: AZ

Complaint narrative:
West Asset Management has been calling my boyfriend 's cell phone everyday after he asked them to not call him anymore as he is not responsible for my debt. My boyfriend has recorded numerous times that they still continue to call and using aggressive measures to collect a debt. This company is harassing someone who does not owe this debt and should be held accountable for these attempts after being asked numerous times not to call that number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-07 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CURO Intermediate Holdings
State: NV

Complaint narrative:
I got XXXX loans that I recall from a place called rapid cash, but on my credit report it shows XXXX of them. When I got the loans I had money problems since I 'm the only XXXX working in my household. So I have to pay rent, electric bill, gas, car, house insurance, phone, car, medical bills. So i got the loan so I could help myself a bit. I was making enough at my last job so I was n't able to keep paying. But I only recall getting XXXX loans not XXXX so I do n't understand why it shows up XXXX times.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Siwell Inc
State: GA

Complaint narrative:
I paid my mortgage in full to Capital Mortgage 3 months ago. I have called 4 times for the satisfaction of mortgage to be sent to me, and all they can tell me is I am " in-active. '' They are telling me they do n't have the deed, and I wo n't get anything proving I paid the mortgage. My mortgage was sold several times over the years, so I am not sure what happened with the paperwork. I last spoke to XXXX at XXXX, ext XXXX on XXXX. XXXX. All she could tell me is that loan is in-active, and my prior conversation with XXXX told me XXXX was the person in charge of sending the satisfactions out.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: MI

Complaint narrative:
Last week we settled a debt with the law firm, Weltman , Weinberg & Reis Co., L.P.A. They represented XXXX in a repossession of a car. They told us we had to pay a minimum of {$2000.00} to get the hold taken off of the bank account I have with my husband. We paid {$7000.00} and they were willing to call the debt paid since that was the bulk of the debt. They told us all holds would be taken off and they would handle the legal work. We asked for documentation that the debt had been paid and that we would n't be bothered by them again. It has been a week later and the hold on our bank account has not been taken off and we have received no documentation that the debt has been paid. We want this finished. Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
California Business Bureau , Inc Is practicing unethical business procedures. I was recently in the hospital and now is currently paying some bills off. I sent CBB several settlement letters. I have gotten no response. the initial bill was for {$550.00} ... The amount of interest charged is/was criminal. XXXX interest per month. on XX/XX/2016 the bill increased to XXXX by XX/XX/2016 i got a new bill ( a few days after i sent the last settlement letter ) in the total of {$14000.00}. How does a bill go from XXXX to XXXX dollars in 7 days? 
criminal amounts of interest fees. On top of this they charge the person just to pay the bill. 

I am able to produce all paper work necessary if needed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: NJ

Complaint narrative:
A refinance was done multiple times in XX/XX/XXXX the owner being a XXXX man with a set income since XX/XX/XXXX was preyed upon and given a refinance over and above his income capabilities. We have modified this loan 3xs with XXXX and once again recently with Caliber Home Loans. Only to find out in the fine print its modified to a interest only loan. Nothing is ever disclosed to us. We were struggling and a post card was sent to us that we had a law suit with XXXX and needed to hire XXXX out in XXXX XXXX. We stopped our payments to XXXX it cost {$5000.00}. up front and XXXX a month for on going legal fees only to be told in order to get our modification we had to release XXXX from its obligations We now are paying a trial payment to Caliber and received nothing from the law suit nor the Real Estate law Center.

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

Complaint narrative:
I signed up for a store card at Gander Mountain in XXXX before christmas. I provided my address and email address when I signed up. I signed up under the understanding that I would receive a bill and that there were no unreasonable fees or interest rates. At that time I charged a {$18.00} item to the card. 

I never received a bill so I went to the store XX/XX/XXXX to find out what was happening and pay off the card. The store clerk was not able to process the card and told me to contact the bank directly. I signed up for an account and discovered that they had charged me a {$18.00} late fee on XX/XX/XXXX. They also added a {$1.00} minimum charge. I never agreed to that interest rate or fee schedule and I was told that there are no regular fees. 
They have since then charged an additional {$23.00} Late fee and {$1.00} minimum charge. 

The outrageous fees and lack of billing transparency should be illegal. The bank is Comenity bank. The Retail customer is Gander Mountain.

Company response to consumer: Closed with explanation