vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Fein, Such, Kahn & Shepard, P.C.
State: NJ

Complaint narrative:
I am being sued by a towing company i have a rental space with. The amount of money is not correct, I have repeatedly attempted to contact this firm to resolve and no response received. I did file an answer with in the allotted time frame and have since been receiving letters from this attorney to contact them. When i do try to contact again un answered. They then file judgement summerys to place a judgement with a trial becuase they did not hear from me. This is very frustrating. Please hep.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-28 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Caliber Home Loans, Inc.
State: IL

Complaint narrative:
This report requires provisions from HEPA laws and Fair Credit Reporting. XXXX refused to validate and verify a debt that is listed on my credit report according to law under the Federal Servicer Act, which is a part of the Real Estate Settlement Procedures Act, 12 U.S.C. 2605 ( e ), Fair Credit Reporting Act 15 U.S.C. 168, and Foreign Corrupt Practices Act. This office refused to provide competent evidence that I had any legal obligation to pay the listed company above and had the authorization under 12 U.S.C. 2605 ( e ), 15 USC 1692 ( e ), and 15 USC 1692 ( f ) in this alleged matter. 
Please provide me with the information you received from this company. I have a right to know who, what, and how a company is reporting on my credit. Is this company in violation of HEPA laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-06 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
PayPal Credit Card charged me a {$35.00} fee on XX/XX/2017 for a late payment. On XX/XX/XXXX, I tried 4 separate times to make a payment through their website, was told it was " unavailable for maintenance '' after logging in. The automated phone system rang busy for 15-20 minutes at a time. I was able

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
I opened a XXXX XXXX account throughCommenity Capital Bank. They were supposed to allow for financing of a specific product, but after opening the account, failed to live up to their advertisement. So, I called and closed the account. They confirmed that the account was closed. 

About a year later they emailed me asking for updated personal details about my ( open ) credit account with them. I called and asked AGAIN that they close it. They once again confirmed that it was closed. 

Received another email about my account on XX/XX/2017. This account SHOULD be " Closed at consumer 's request, '' but they continue to keep it open against my wishes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-28 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: AL

Complaint narrative:
I sent request for information, to Caliber Home Loan, and their lawyer XXXX and XXXX. I did not receive an acknowledgment of receipt as required by RESPA, furthermore they failed to respond within the required 30 days. I am attaching in .pdf format, A ) original request, B ) notice of 5 day RESPA violation, asking for explanation, C ) notice of 30 day failure to respond, in which, I ask for information requested be sent, without delay. 

I know for a fact Caliber received notice 's because they uploaded the original request in documentation as part of a response in complaint # XXXX to the CFPB, on XXXX/XXXX/16. 

Caliber Home Loans, continued arrogance, and blatant violation of rules, set forth by agencies of the US government are disturbing, troublesome, they should IMEDIATLY, brought to the attention of regulators, and appropriate action should be taken, at once. 
.pdf # XXXX # XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: KS

Complaint narrative:
We purchased a condo in XXXX XXXX, MO in XXXX XXXX. They ran the loan through Caliber Home Loans. First thing, was the property taxes were prorated, so we did not owe the entire year of XXXX taxes. So immediately after the XXXX XXXX house payment, they immediately took out {$1400.00} and sent it to XXXX County Assessment for the XXXX taxes ( which we did not owe ). Not realizing that had been done, then in XXXX XXXX, they sent in {$1100.00} to the XXXX County Assessment for taxes. Well, then in XXXX XXXX, we received a notice from XXXX County stating that the taxes had not been paid. We called Caliber and told them and asked what they did. They indicated that they had sent the payments. They gave me the dates and check number and amounts. Called XXXX County Assessment back, and sure enough they had received those checks, however, Caliber had put the wrong property description on it and since the amounts did not match up, the money is in limbo in XXXX County. Call Caliber back and told them that and that they needed to get ahold of XXXX County Assessment and get the legals corrected so the money could be applied. Questioned them at that time why we were paying the entire XXXX taxes and all I got was that they would look into it and it would take 20 days to fix it. Well, instead of fixing it, they took another {$2600.00} out of the escrow and paid XXXX County so the taxes would be paid. Now, XXXX, we receive notice that they are doubling the monthly payment because we are now in the hole over {$3000.00} because they have mis-handled our escrow account. I called them and demanded a full audit and told them I was not paying for their mistake and that they would have to eat it themselves. I gave them until XXXX XXXX to have it fixed and to return a call to me. As of today, XXXX XXXX, XXXX, I have heard nothing. When I tried to call them, you end up on hold for over 15 minutes or if you do get through, they put you on hold and that is where you sit until you hang up. If they have mis-handled our escrow, who else have they screwed up!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Alorica Inc.
State: CO

Complaint narrative:
The number XXXX has called me XXXX of times over the last few weeks, often XXXX or XXXX times a day. They never leave a message. I suspect they are a debt collector, but I do n't answer calls from number I do n't know. My guess is that they are just calling repeatedly simply to harass me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-11 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: NY

Complaint narrative:
Applied for a modification with XXXX XXXX XXXX, completed the trial steps, then in the middle of the final step, was transferred to a new servicer ( caliber home loan ) who processed my modification for 2 to 3 months with no answers, then sent a package for permanent status Modification in XXXX with a due date for payment XXXX XXXX, 2016, then I sent the package back with payment, but they 're saying I had to make a payment also for XXXX XXXX, WHEN I got the papers in XXXX. ( A month later ) And the first payment after XXXX would be due 8 days later!!! But also that XXXX payment ( a month ago ) is also due. Putting us back in the same hardship!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
I set up scheduled payments for both of my Comenity Bank cards, XXXX and XXXX as I always have ; however they did not take the scheduled payments. I checked my history and confirmed that I did indeed visit both sites which resulted in a one time payment confirmation. I feel their system malfunctioned and they are trying to get additional fees from me. I see numerous similar complaints and other that are very disturbing however given recent action against Comenity it is pretty clear they are not very honest. I have also emailed their CEO and President.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ResidentCollect, Inc.
State: TX

Complaint narrative:
I was a victim of identity theft and noticed a collection from RESIDENT COLLECT INC I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against RESIDENT COLLECT INC in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
Ocwen modified my mortgage. It took effect in XXXX and they took until XXXX to have it correctly processed the whole time my payments were ontime. They refused to update my credit report to show the XX/XX/XXXX payments and only started reporting ontime for XXXX and XXXX. Recently I checked and they had not reported anything since XXXX and it was not showing for XXXX, XXXX, or XXXX. I called and was told this would be corrected but they only showed the XXXX payment as received and now it looks like no payment was received for XXXX or XXXX and it is hurting my report and score and I am being denied credit because it looks as if payments were not made and now it looks like the XXXX payment is 60 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
Ocwen offered a loan modification, I made all XXXX trial payments and then they denied me Citing that I made the first loan payment late, I checked with multiple service representatives before making the payment about the date, Ocwen sent me a certified letter stating that it was not too late to take them up on their offer, I callled and made a payment, they started sending me statements reflecting each payment never mentioning there was a problem with the timeliness of my first payment. 
also they have told me XXXX of my payments was declined by my bank I have copies of my bank statements that reflect otherwise ocwen was scamming me all along, they had no intention of giving me a modification, they did n't deny me until all XXXX payments had been made and they refused to refund my money and refused to give me the modification they offered me. it was all done very strategically. I didnt originally receive the offer letter by mail instead they sent me a notice that i still had time to take them up on their offer, they wouldnt send me an offer letter by mail but let me download it online so i would send them the payments then after getting all the payments they denied me saying it was too late however all their correspondance with me started with a certified letter near or past the deadline.They were scamming me to be able to take my property though i qualified for an modification based on the following facts my loan originated in 2006 with XXXX then transferred to XXXX XXXX XXXX. I should have received an modofication from XXXX XXXX XXXX, they denied me then transferred me to ocwen, and they manipulated the situation to document due diligence. which is in fact a way of scammimng me out of my home.Please help!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: CL Holdings LLC
State: CA

Complaint narrative:
Jefferson Capital called my work place and discussed my personal matter to an employee there. The person on the phone from Jefferson Capital told the employee that its a personal matter of Debt owed and that I must get on the phone. The person on the other line was threatening and extremely aggressive with my co-worker. I was out to lunch and my co-worker was just trying to take a message. This company would n't give them a call back number or anyone to reach them, they said that they would call back. Jefferson Capital seems like they are part of a scam that bullies people into paying them for debt they do n't have.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Ocwen has replied to our request to fix our mortgage account. They still claim we owe them money and are going to start foreclosure. Again, we have never been late or missed a payment, but they still claim we have. How do we stop this?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: HW Holding, Inc
State: GA

Complaint narrative:
I explained that revolving credit has a time frame. In return to my response, the reset date of all my debt was XX/XX/2013 versus a removal and an increase in my credit scores. XXXX XXXX XXXX : The final result was a verbal conversation with a customer rep from XXXX to inform them that all debt has to be erased on all revolving accounts due to being opened in XXXX. I have paid and it was not properly reported. The account is accruing interest, which is being reported, not the debt that was paid. Thus it requires removal from my credit report. Judgement : There is also a judgement listed as an installment account such as a car payment for an apartment with unfit living problems such as floor boards being uneven and imperfections in the carpeting. The XXXX XXXX XXXX had us sign a lease agreement for XXXX months to keep us locked in a higher rental rate to cover it 's XXXX quarter of the year. Thusly, I sent letters attesting the non legal nature of the lease under the Renter 's Rights. XXXX XXXX XXXX : The car with XXXX XXXX was bought under the XXXX law due to its previous accident being omitted from the XXXX reporting and battery not being replaced. I was not told it was a program or rental car by a previous company such as a rental agency. I discovered this due to the previous owners names recorded in the Blue Tooth Device. XXXX : The services were disconnected in XX/XX/2013 and I was still being billed. Advised the company to come and get the boxes, due to the status of my XXXX, I was not able to XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
Received a home modification with Ocwen in 2014 after many rip off schemes by them! Was supposed be XXXX! Taxes and insurance. Since then my mortgage has gone up to XXXX. I can understand the first year it going up but since then my taxes and insurance has only gone up XXXX. Second yr went up to XXXX. Nowlast 2 years saying insurance in XXXX when it clearly states XXXX. So if only my tascholl taxes went up XXXX which is once a year.y am I paying them XXXX more every year. Last 2 years only increase was taxes now wants raise mortgage to XXXX. Y from XXXX when only thing up is tax by XXXX so y do they want XXXX more a month. Trying day insurance going up to XXXX which also stated was last year and they pd out XXXX. So where 's all this extra money going that 's XXXX over last yr from there escrow reason for raisin. They are ripping me off agin. Years ago charged me XXXX said pd my insurance have me insurance I did not need and we had insurance still waiting for that refund filed with XXXX and XXXX never heard or got check promised as others also waiting. Tried numerous times call escrow Dept wo n't return calls. This is a giant rip off company. I need this settled by them ASAP. It 's crazy liers not only XXXX there doing this to. please help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX XXXX, 2017 On Thursday morning XXXX XXXX, 2017 I was informed that a fraud check had been deposited to my Chase checking account. I stated that I had not deposited any check, had not given access or permission to anyone to my account. I stated the check was not mine, I had no knowledge of the transaction and that I didnt want anything to do with it and to remove it from my account. 

I was instructed to contact the Fraud Investigation Department of Chase to resolve the matter. I spent several hours on the phone with Chase letting them know I was not involved with any fraud activities. They advised that they were suspending my account. They then instucted me to log on to my account after midnight to reset the password and everything should be fine. I attempeted to do this however was not able to. First thing Friday morning, XXXX XXXX, 2017 I went into the Chase bank to resolve the matter. The Banker was not able to access my account so they called the fraud department for assistance. The advised us that my accounts ( checking, savings and new Visa card ) were all being closed and they could n't do business with me as a customer. They informed me that they would be mailing out a closing check within 7 to 10 days. No further explaination was given. 

I have filed a complaint with Consumer Federal Protection Bureau as I believe I have been treated unfaily and unjust. 
I did not have anything to do with what happened to the Chase account. It had been " hacked '' and Chase Bank is treating me as the criminal rather than the victim that I am. They have suspended all access to my accounts leaving me without access to my funds until they release them to me. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: First Associates Loan Servicing LLC
State: NJ

Complaint narrative:
This complaint is about First Associates : XXXX which company is responsible for receiving the payments for my loan for school, University XXXX . The complaints are as follows:1. The company does not offer me visibility to the daily debits and credits to my loan account. All transactions are lumped into a few lines in each of my monthly statements. 
2. The company has severally made errors in computations on my account, the latest of which is that a payment of {$1200.00} which I made to the account was not recorded in the relevant statement ( see attachments ). I can provide additional example of errors made in the past on my account on request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: CT

Complaint narrative:
Ocwen aquired my loan from Littion loan in XXXX 2013. I paid lotion loan for XX/XX/XXXX and revive a letter that I was in default with Ocwen for not paying XX/XX/XXXX payment. After a lot of frustration I paid Ocwen for XX/XX/XXXX as well. Three months later I revived a notice that my loan was in default for nonpayment. The payments I was sending went into a holding account and late fees were applied. I reinstated the loan with the amount Ocwen said was due fees and charges etc. After reinstatement three months later I received a default letter that said my payment were being held in a holding account fore there was an unpaid balance from Littion loan. I do n't understand why when I reinstated the loan the fee was n't included. After 10 months due to a death of my wife I cashed in my XXXX to reinstate the loan once more. At this point it 's impossible to refinance to get away from Occwen because they distroyed my credit. I rienstated the loan again my first statement had a balance of XXXX when I asked why was n't the amount included in reinstatement amount they said it was a baleance left over from Littion Loan. They will not accept a payment unless it 's certified. When the loan was reinstated for the 3rd time they automatically withdrew the monthly payment from my checking account on the XXXX of the month. They say I set this auto payment up but it 's impossible i never did. Now I have no more saving to reinstate the loan and I have paid them XXXX majority of fees and late charges. I am completely helpless I do n't know how a company can get away with this kind of service. They ruined my life I ca n't even get a credit card.

Company response to consumer: Closed with explanation