vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
I made my mortgage payment to Ocwen on XXXX XXXX, 2015, early as I do each month. When logging onto their website to pay the XX/XX/XXXX payment I observed that it was passed due. I immediately paid the full amount due. When asking that a late fee of {$23.00} be removed the call center rep stated since the mortgage payment had never been late he would " permit me to speak with his supervisor. '' Although I provided proof that the loan had been paid on their website the supervisor refused to waive the fee. I then advised her she was to cancel my pending payments. They did n't care that they payment not posting was their fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
I was contacted by someone claiming to be with our lender, Ocwen, who claimed that we had been approved for HAMP. They sent paperwork for us to sign and we faxed it back to them at XXXX. They continued to call and provided us with a name to send {$500.00} via XXXX XXXX to. The first payment went through but XXXX XXXX denied the next payment. We became suspicious when the rep we were speaking with told us there was a fraud situation, so we met with a housing counselor. When Ocwen was contact they had no record of the HAMP, paperwork or payment. It was all a scam.

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: Disclosure verification of debt — Right to dispute notice not received
Company: Ideal Collection Services, Inc.
State: FL

Complaint narrative:
Between XXXX of XXXX and the end of XXXX I lived at XXXX XXXX XXXX XXXX XXXX on a lease with their community leasing center where I handed off the apartment in the same ( good ) condition I received it since the leasing center offered me to continue someone else 's lease who was leaving the country and indicated I did not need to provide a security deposit since the leaser before me had already given XXXX. During this two and a half years rent was paid on time every single month. 
At the time of leaving ( ending the lease ) I handed them the apartment in the same good conditions which was received by the leasing administration without a problem with both parties consensus. I never received phone or written communication from them or any representative to indicate something was pending, not even when I left the apartment and they indicated everything was fine and that they were comfortable with the condition of the apartment. Nothing pending was claimed at the time of giving the administration the keys of the apartment. 
A few days ago I noticed in my credit report that I owe {$1000.00} XXXX to IDEAL COLLECTION SERVICE and that there was a debt originally from XXXX XXXX AT XXXX so I communicated with them right away to understand what was going on and asked for details about it. After several tries ( calls and emails ) they replied to me indicating I had to deal directly with the collections office. Ideal Collection Services sent me a vague description of what was claimed to be the charges without any proper documentation supporting these false claims. None of these charges were mentioned when the end lease agreement was signed and it is strange how after the apartment was received in good conditions after 6 years I hear about these charges for the first time. 
Given the irregular situation, I request through you, suspend this irregularity on my credit report which affects me and to properly request documentation supporting this claim to the collections office where the debt is currently held with the " check out '' agreement that was signed when the administration received the apartment keys indication clearly that there is a payment or repair pending on my side. Additionally a copy of the attempts to reach me to communicate said pending charges since I have not receive any communication from XXXX or the collection office at all at this moment and were denied to me when asked for it to XXXX and later to the collection office where they provided a vague letter without any details or backup of said pending charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
My name is XXXX XXXX. My mortgage company is Ocwen Loan Servicing. My loan number is XXXX. I have over XXXX in surplus in my escrow balance. My property taxes are less than XXXX a year. Last year they paid out XXXX. But I got a letter stating they are raising my escrow on my mortgage to XXXX a month making my mortgage to be XXXX from XXXX a month. I have sent emails and I have also called with no one to assist me. I have ask to speak the escrow department and they informed they do not accept calls. Their call center is located in XXXX so there is language problems on the phone calls of each other not understanding each other. I have also ask to speak to someone in XXXX but they have denied me that right. I just want my loan to be corrected. So can you please help. I will sending also copies of the letter and escrow activity statement they just sent me in the my email last week. I wo n't be able to keep my house paying out XXXX. My house is only worth XXXX now. 
ThanksXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I went to my online account to initiate a funds transfer to my son 's account as I have done many times before. The screen said there were no accounts available for me to transfer to. After XXXX minutes of useless telephone menu, I gave up and hit XXXX continuously until I got a person. She had me log on again. same problem. She checked. when she finally returned she said the bank is updating its systems and has no idea when they will be available. My only recourse is to go to a branch ( I am currently too ill to drive ) and initiate a transfer from there. I do not have my son 's account number and will have to try to reach him. He needs the money for a trip. It is XXXX on a weekday. The bank should not be incommunicado at this time. I do n't know how I will be able to get this money to my son.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I sent a letter to Citibank special delivery on XX/XX/XXXX. Informing them that they have been responsible for unfair bank practices, consisting of Authorization holds on my checking account, excessive overdraft fees and re ordering of transactions in order to make a profit from my misfortune. I opened a checking account with Citibank shortly after XX/XX/XXXX and In XX/XX/XXXX the Federal Reserve prohibited banks from automatically enrolling customers in overdraft coverage.This I was not aware of at the time I opened the account nor was I told during the time I held the bank account with them that I could opt in or out of such coverage. Therefore the bank have been making charging me excessively and unfairly in accordance with the law. I wrote in the letter that there have been a large number of settled lawsuits in the United States for exactly what Citibank have done to me. I mentioned that they have been acting illegally and that I would like to recover all my bank charges back from them that I have incurred from XX/XX/XXXX until XX/XX/XXXX. As full and final settlement.

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 2015-06-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
My monthly loan payment amount increased last month, without any explanation, previous disclosures or any notice of any kind. My hazard insurance and taxes are escrowed through my loan payment so I understand that my monthly payment can and has fluctuated in the past. However, I have never had a change without at least a few months notice as well as a detailed explanation or accounting as to the reason why my payment was due to change. This did not occur in my situation. I have had many problems with Ocwen since they became my mortgage servicer. I very much would advocate allowing borrowers such as myself to be allowed to request a service transfer to another servicer when dissatisfaction occurs due to the servicer 's actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: VW Credit
State: FL

Complaint narrative:
Leased a car Thru Volkswagen Credit XX/XX/XXXX and leased a XXXX car from Volkswagen Credit XXXX, under the understanding that the disposition or return fee for the XXXX lease will be waived as I was leasing a XXXX car from them. 

The XXXX lease was returned today and Volkswagen Credit is charging me a disposition fee ; unfortunately I can not buy or lease a car from VW because they DO N'T have the desire SUV

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-29 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
On Friday, XXXX XXXX, XXXX, I was informed that my home loan was no longer an FHA loan. I want the loan servicer to tell me and provide supporting documents as to why my loan type was changed without informing me and what type of loan do I have currently? How are so many major changes occurring without my knowledge or authorization? In addition to the fact that my mortgage was among the note reassigned through XXXX How can robo signed be justifiable with such a large purchase. A mortgage is too technical and large of a purchase to pull a robo signing stunt in order to rush through the process. I disagree with robo signing mortgage documents. I am requesting docuents regarding title deed, what type of loan I current have, XXXX documents, and all documents that have been generated regarding my property from XXXX XXXX to the current date.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: VW Credit
State: CA

Complaint narrative:
In XXXX of 2007 I left the United States on a religious trip and before I left I called VW credit to explain that I would be leaving and not be in the US to make my car payment, they were helpful over the phone and suggested I use the one time offer of putting that month on the end of my loan. The representative was polite and explained I would fill out a form of which I did and I was very happy with the out come of my call. When I returned the following month to my surprise I had been sent a late payment notice and I was charged a fee and had a negative mark put on my credit. I attempted for many years for them to remove this error of theirs to no avail. I even paid a company to assist me in handling it which they were not able to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: VW Credit
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found several late payments on the dates below : 30 days past due XX/XX/2014

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: PA

Complaint narrative:
I have a XXXX year mortgage with a great interest rate from Caliber Home Loans that I obtained in XXXX. I have paid the mortgage consistently since I received it. My payment was approximately {$1700.00}. I typically paid that amount. In XXXX XXXX, I paid {$1800.00}. On about XXXX XXXX, XXXX, Caliber Home Loan sent me a statement alleging that I had a negative escrow balance. The new statement would increase my monthly payments by {$600.00} effective XXXX XXXX, XXXX. This would increase my payment from to {$1700.00} to {$2400.00}. I paid {$1800.00} on XXXX XXXX an additional {$600.00} payment in late XXXX. My mortgage payment includes taxes and insurance. In XXXX, I paid {$2400.00} for this new mortgage payment. I understand that taxes and insurance increase. However, my taxes and insurance only increased by less than {$20.00} in XXXX. I reached out a non-profit for helping home owners. They called Caliber and no one could explain how the new figure was calculated. Caliber corrected the month statement back to close to the original payment. The new payment I was told to pay was {$1800.00}. I paid and continued to pay this new amount. In XXXX XXXX, Caliber sent a new statement alleging that the escrow account had a negative balance and that effective XXXX XXXX, XXXX, my monthly payment would increase by {$500.00}. Again, I checked my taxes and insurance and my insurance increased by {$14.00}. Caliber has not explained to me why I have a negative escrow balance of {$4900.00}, when I have never missed a payment and my payment includes my taxes and insurance. I want Caliber to stop attempting to extort money out of an XXXX person.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Fein, Such, Kahn & Shepard, P.C.
State: NY

Complaint narrative:
Fein, Such & Crane LLP are debt collectors claiming to represent another debt collector XXXX XXXX XXXX XXXX as an alleged Trustee of a REMIC. The consumer is being terrorized civilly not only by the debt collectors named above, but by the Tribunal, Supreme Court of New York XXXX County. Fein & XXXX are maliciously and abusively prosecuting an illegal debt collection action styled as a Foreclosure in state court. The consumer has issued several Notices and Demands all under the FDCPA, federal consumer laws. Both debt collectors are ignoring each of those communications by the consumer and creditors and continue to violate the FDCPA. My consumer goods obtained for personal, family and household purposes, such as my private home is attempted to be illegal confiscated by these XXXX unknown debt collectors. The CFPB has made clear the rules and regulations, with clear interpretations to consumers regarding its use. Fein and XXXX are engaging in illegal, fraudulent, and abusive debt collection against this consumer. Fein and XXXX was ordered to " obtain verification '' ( sworn and under penalty of perjury ) and proper " validation '' from the alleged original creditor supported by Original Loan Level Documentation. If Fein and XXXX complies strictly with the FDCPA, it will obtain the verification of the Rescission, TILA and the fact that " no debt is owed. This of course is based on the fact that Fein and XXXX are enforcing a legitimate debt which originated from a legitimate transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: VW Credit
State: NE

Complaint narrative:
Due to a system upgrade, according to the company, my monthly statement has not been accurate since XXXX. I have called every month due to my statement showing a past due amount even though I pay more than the payment amount every month. Every month I am told a new story ; from system issues due to the upgrade, to it has been corrected but your account must have slipped through the crack, to I have opened a ticket to have your account corrected, to this month it is still not accurate due to their system issues have not been resolved. I have had my car for 9 months and my statements have been inaccurate for 5 months. I am only able to access 3 months of statements from my online account. Every time I call, I am told that the amount I am paying monthly is correct and to disregard the past due amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: OH

Complaint narrative:
My mortgage with XXXX was transferred to XX/XX/XXXX to Caliber Home Loans. I was not aware of this til XX/XX/XXXX of the transfer, effective for XX/XX/XXXX. I have never in the course of my mortgage contract missed a payment to XXXX, nor later Caliber. XXXX accepted my monthly payments and I noticed XX/XX/XXXX that my XX/XX/XXXX payments were placed into an UNAPPLIED CASH ACCOUNT. I went to XXXX in person, called and sent written communications to XXXX, then Caliber outlining the issues, without receiving resolution. XXXX refused to correct the mis-applied funds. Caliber XX/XX/XXXX demanded payments from XX/XX/XXXX and demanded that I also fund ESCROW. I had always paid my County taxes directly and had done so for XX/XX/XXXX. Double payments made, and the County sent the over-payment funds to Caliber. Add insult my account was not credited. Litigation was inacted XX/XX/XXXX since Caliber refused to apply my mortgage payments, instead placed all my payments into escrow and unapplied funds. A settlement was made and Caliber was to correct the account and make current by XXXX. They failed and refused to acknowledge the errors and apply the funds. I continue to make monthly payments which are not applied to date ( XX/XX/XXXX ). XX/XX/XXXX my checks are either returned to me with a note that they will not accept payment, or sometimes cashed but not applied to my account. I recieved a notice from a Mortgage Rescue company that made me aware that Caliber unlawfully filed for foreclosure, listed my occupied home for auction placed my home on the market for sale on XXXX, without notice or court approval. My attorney was contacted and Caliber refused through counsel to rectify. Law suit filed in XXXX XXXX Ohio XXXX for breach of contract, fraudulent mortgage practices, intent to defraud me of my home, XXXX, financial and personal damages. They have ruined my credit, caused me additional losses with taxes and deductions, unable to refinance or obtain credit due to the negative reporting, the stress and fear of losing our home. The attorney fee ( s ) over the last three years to fight this unlawful mortgage practice of defrauding homeowners. If you like a copies of the monthly communications to Caliber they are available, including the contact information for my attorney. I have checked and Caliber has been sued, prosecuted and repeatedly done this to homeowners. I am sure that XXXX has been swapping out Mortgages which is all part of the mortgage crisis created with the intent to defraud and divest honest homeowners. XXXX Bank sells the mortgage to fill their coffers, then gives to a collector like Caliber to literally steal the home since there is considerable equity.and low mortgage balance. I would appreciate your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
Banking employee agreed to aplly a fee reversal of {$99.00} and he didnt make a effort to finalize that credit and union bank has charge XXXX XXXX overdraft fees with no covered sercvice and banker said the computer wouldnt allow that fee credit of my XXXX dollars and hes was very treatning and scaring me and forcing closer on my account and takinng my banking account prevalige away and iam XXXX and on fed govert XXXX and ssplimental security state payment s and iam very shoke up after my visit to the XXXX branch my name is XXXX XXXX XX/XX/XXXX co joimt truttee payee account co/XXXX XXXX XX/XX/XXXX act # XXXX time with union bank since XX/XX/XXXX with cheking account and direct doposit co overdraft coverage and line of credit or fare treatmejt i was treated discrimated on my vitit i dont remember the guy banker employee name and i lost out on the XXXX. XXXX dolars wnen it was aproved by banking guy emplyee for fund credid XXXX and i still l need that XXXX please i was trated very porly i am a XXXX man i would like that monyey thqt the banker couldnt aplly plese call me XXXX XXXX XXXX and i hav e subm8ted a formal online telephone complaint on union bank customer support servises about last week with XXXX in the retail sales dept with union bank on XXXX complaint confirmation # is XXXX please fix this issue before i enforse my XXXX rights with XXXX dept fair banking with XXXX client XXXX attorny general .gov

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Alorica Inc.
State: NJ

Complaint narrative:
I have a collections account on my credit report that was paid

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: AZ

Complaint narrative:
Letter to complain. 


Caliber Home loans is committing consumer fraud by using an inflated value for XXXX and refusing to modify my loan. I wrote several letters to the company and still no reply. they are not following RESPA. They have a date set and want to foreclose on a home that I want to keep. No fact finding was completed during the XXXX process and therefore the adviser did not have full knowledge of property estimate in the complex area. 
Please reply to this letter within XXXX days and investigate my complaint. Because in 2006 I was sold a sub-prime mortgage when in fact there was nothing wrong with my credit history and I had never been refused credit before. Please help me get help from HUD as well. My email is XXXXXXXXXXXX. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: IN

Complaint narrative:
Caliber Home loans has claimed to have made payment on my property taxes. This is incorrect. I 've asked them to provide proof of payment ( reciept with the parcel number XXXX 's ) and they are yet to do so. I 'm now being charged escrow to pay them back. They keep looking into it by asking the same question, " was a XXXX payment made? '' and the answer is no. I paid it, I 'm not sure where their payment went.

Company response to consumer: Closed with explanation