vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: GA

Complaint narrative:
Our mortgage was sold to Caliber Home Loans from XXXX. We were to begin making payments to Caliber. We authorized our first payment to Caliber to later find out that Caliber turned the payment over to XXXX to cover a past due payment. I called and questioned why the payment did not get credited to the account number and company that I authorized it to go to and was told that Caliber. After questioning serval for phone agents I did not recieve satification in their responses. Since the payment would not be credited to the account I began to apply for a modification because we would now be behind with Caliber. After submitting modification paper work I was told that I need a profit loss statement because I received a XXXXmisc at the end of the tax year. I explained that I did not have a company and worked as a testing administrator as needed. I was told to find one online and fill it out. I found a generic form and filled it out averaging the total for the year in 2 statements and submitted the forms. Still upset that the payment did not get credited as authorized I was then told that I need to resubmit forms with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I was a victim of Identity theft and this payday loan was part of that. It was removed from my credit report and now it is showing back on there. I have not even received any information regarding this. The only reason it is showing is because I monitor my credit. This needs to be removed from report.I have a affidavit from the FTC that supports my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-25 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Commentity Bank allowed someone to open an account in my name without any type of verification. Or proof of identity like an Drivers license or state ID.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Prospect Mortgage, LLC
State: IN

Complaint narrative:
I was dealing with a loan officer thru Prospect Mortgage. My loan officer left in the middle of loan process to go to another mortgage company. We had the inspections and appraisal completed. We were waiting on the sellers engineer report and either my work transfer paperwork or a job proposal letter. Once the engineers report came back XX/XX/XXXX, I was told that I had until XXXX XXXX to get either transfer paperwork or job proposal letter. The new loan officer called the sellers agent and told her he was denying my loan because I did not have either transfer or job proposal letter on XXXX XXXX or XXXX. He then calls me and gets all XXXX with me and informs me that he had a responsibility to sellers agent to let them know that I did not have what I needed so he was going to deny the loan. I begged him not to yet as I did not think it was being fair that he had given me until XXXX XXXX to produce one. I had a good possibility at that time on a job offer but did n't want to mislead anyone. He was aware though that I had had a few phone interviews and I was hoping to have an off before XXXX XXXX. Come to find out while he was threatening me to call the sellers agent, he had already called her prior to talking to me and she had relisted the home, they got another offer on it and accepted it. They never cancelled the contract in which I had with them. I immediately called my agent. I did in fact get a job proposal letter by Monday XXXX XXXX, 2016 I had the job offer and sent it immediately to the loan officer. He said it was too late and that he was denying my loan. That was totally wrong since he had specifically given me until XXXX XXXX to get the info to him! He and my agent had a conversation concerning the fact that I was never given a denial letter, nor did I get a cancellation notice from the sellers agent. When she asked him if he was giving me a denial letter he did not respond.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Caliber Home Loans, Inc.
State: VA

Complaint narrative:
I still have unresolved issues with my first complaint along with new complaints see attached documents. 
We have refinanced with a new mortgage company. 
Please help us wth these issues that have remained inresolved with Caliberhomes mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I have gotten as many as XXXX calls from these people in one day. They call several times a day every few hours, sometimes as soon as 30 minutes later. I do n't answer numbers that are blocked because I do n't know who it is. My husband answered one time when I was away from my phone and they said it was Comenity bank. This is getting to the point of harassment. I work night shift so they are waking me up all day long. Also, I was under the impression that they are not allowed to block their number. Is there anything I can do?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am disputing a collection debt from XXXX ( Acct. # : XXXX ) that I discovered on my credit report without being notified from the creditor. I am now in the process of disputing this debt with the Credit Reporting Agencies and with XXXX. This collection agency has also illegally re-aged this account according to the original creditor 's date of first delinquency. The original creditor is Comenity Bank whose debt I 've already successfully disputed. Because re-aging accounts is a serious offense under the FCRA, I am reporting XXXX to you so as to warn others about the illegal practices of debt collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: The Thomas Agency, Inc.
State: ME

Complaint narrative:
THE THOMAS AGENCY INC XXXX XXXX XXXX JUST XXXX XXXX, 2015 {$470.00} {$470.00} XXXX XXXX XXXX XXXX XXXX, ME XXXX.They have file this again after they had agree not to put it on my credit report after I had file a report with you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: USI Solutions Inc.
State: NJ

Complaint narrative:
USI Solutions Inc. has contacted me about an old credit card that was a charge off. I settled the debt with XXXX XXXX XXXX in XXXX of 2015 which is the company listed by the creditor. USI has continued to contact me about the debt even after I provided them proof of settlement through XXXX. The credit card number and amount that USI has are incorrect according to XXXX ( the original creditor ) and XXXX ( current creditor ). They are threatening me with further action and harassing me about the account their account. They have stated that I must have had another account, which I confirmed with XXXX, was inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
I think they key words here are Speedy Cash. I 've been reading that these guys fish people for information under the guise of advance loans. I have NEVER taken out a loan of any kind outside of my mortgage, period. They call daily from the same number. It is a recording from a woman named XXXX, calling about a " personal business matter ''. It 's exactly 36 seconds long and comes in twice a week or more. I 've been on and recently renewed the DNC list for my phone. I 've also blocked the number. I 've read on various sites on the internet that in responding they fish you for personal information including SSN. They have also mailed me twice from XXXX different Recovery services. XXXX XXXX and another, but I threw out the letter once I read about the scam. The letter asks to remit payment with no details other then the amount on the letter. 

This is either a phishing scam or I 'm the victim of identity theft. Given the scam notices, I 'm going with the former and ignoring.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XXXX is sending me collection notices from an account that is not mine. The balance on this account is XXXX for a PayPal Credit Account that is not mine. Collection notices are coming to my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: TX

Complaint narrative:
I am being foreclosed on by Caliber Home Loans on XXXX XXXX, 2016. I am requesting information regarding my mortgage because i know that their are errors due to fraud, forgery, improper securitization, falsified assignments, robo-signing, predatory lending and many other defects. I have been asking for information for years. I also received confirmation from the federal foreclosure review that their were frauds and predatory lending for my mortgage. The original servicer XXXX is guilty of the same stated issues and when I have requested information because of the errors, I have been given the wrong/fradulent accounting. I requested a securitization audit for my sub prime adjustable rate mortgage and have been given inaccurate information. XXXX transferred their servicing to Caliber and Caliber tells me they know nothing about the defects, frauds, failed assignments, improper securitization etc. My mortgage was transferred to caliber with accounting errors, interest errors, and other defects. I paid XXXX of dollars to this mortgage and arrearages in a federal bankruptcy and those dollars paid in bankruptcy towards my subprime mortgage have not been properly applied. The fees and arrearages just kept increasing. I contend I am being foreclosed on and the mortgage amount has errors / is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ResidentCollect, Inc.
State: FL

Complaint narrative:
The collection Company Resident Collect Inc. located at XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX, Phone XXXX has falsely reported a back rent debt in the amount of {$6700.00} on behalf of my old residential management company XXXX XXXX. I had been a resident for 4 years at XXXX XXXX XXXX without any problems. Due to a job loss, I spoke with my property manager XXXX XXXX about about not being able to afford the cost of continued residency. He assisted me in ending the lease by setting up an intent to vacate agreement. with the agreement my manager stated that, " As long as you vacate the residence by XXXX/XXXX/XXXX, I will have plenty of time to re-rent the apartment. In the event that I do not rent it, you will only be responsible for the amount of time that the apartment was vacant until re-rented. '' I did vacate the premises in accordance with the agreement. On or about XXXX XXXX, I returned to my former residence to pay off the final balance of my water usage fee and check with the Property Manager about the status of re-renting my former apartment unit. To my astonishment, My Manager no longer worked there, and the property was taken over by a new management company named " XXXX XXXX XXXX '' as of XXXX XXXX, XXXX. I asked the new management team about the status of my former apartment. As far as they were concerned, I was told that the apartment was in good condition, and I owe them nothing. I fairness to myself and the former XXXX XXXX management company, I feel that my balance should amount to the number of days that I left the premise, combined with the amount of days up until they owned the property, which was XXXX XXXX, XXXX. My rent was paid for the entire month of XXXX even though I vacated the premise on the XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04 00:00:00
Product: Credit card — 
Issue: Privacy — 
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I recieved calls and messages from my XXXX brothers, their XXXX wives, and my father stating a man is continuously calling them and leaving messages about a delinquent credit card account and they are filing court papers the next day and he needed to speak to me. I called him, and the credit card # he says i have is wrong for one and then he told me i had to pay {$510.00} right then or id be in a lot of trouble the next day. I told him it was not possible and that thats not my credit card number. He started to yell at me and threaten me, saying he knows im XXXX and id better pay it now or he would be sure to get my XXXX. I hung up on him. He called 3- 4 more times and left a threatening voicemail on our phone. His name is XXXX XXXX XXXX, and he told all XXXX of my family members what debit he was going to collect from me or such and such would happen to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: ID

Complaint narrative:
I had a XXXX mortgage on a rental property that went into foreclosure with OCWEN Loan Servicing. OCWEN was contacted and a settlement agreement was reached and the amount they agreed on was paid off. After pay off they sent the loan to collections. The collections agency was sent the documentation of the settlement and they confirmed with OCWEN that the loan was charged off. 
In a recent check of my credit report OCWEN reported that the loan was closed and settled on XXXX of the XXXX credit reporting agencies. I filed a dispute with the XXXX credit report that was incorrect and they reported back that OCWEN said the information was correct. I contacted OCWEN, who said they did n't have access to that loan any longer because it was sent to the collection agency. After several phone calls they opened a case to research it. Initially they called back and said the loan was still owed. I then had them call the collection agency, who told them it was charged off. They opened another research case. They finally called and said it was paid, but after more then a week I have not received confirmation that it was paid off, nor has the credit report been updated. I have sent several emails and left several messages with no contact back. 
Though OCWEN says they are doing something to research the problem it has been found that it is only lip service and no action has been taken. Do not accept their " initial '' findings. I have had to call back a dozen times before they found documentation that it was paid, even though they have not yet sent me the documentation or reported it to the credit bureau. I expect it will take another dozen phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
My mortgage was recently reinstated after Ocwen Servicing wrongfully foreclosed on my property during the processing of my modification request. Ocwen rescinded the foreclosure and reinstated the deed. Recently I received a mortgage statement it reflected a substitute deed recording charge, sheriff fees, Lender placed Insurance fee. These charges have been included in my next month mortgage payment. My house was wrongfully foreclosed. Please request Ocwen remove the fees associated with the foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
I have an interest only loan and my interest has not changed in years. But my mortgage company keeps raising my PMI. I am also proper tax exempt in Michigan because I am a XXXX veteran.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I do n't know where to start with OCWEN. The XXXX and the Attorney General 's Office tried to help me but apparently Ocwen stuck their nose up at them. The most recent problem is that I sent over {$7000.00} dollars in payments to them because Ocwen holds on to the payments then charge a late fee. They were n't cashing the checks so I did n't know if they were getting all of them. They got all of them, cashed them, and kept the money. They gave a justification for keeping my money and refuse to apply it towards the next few months. I do n't have any money left and I need that {$7000.00} back, or I will lose my house. I am in tears, desperate and do n't know where else to go.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
We are in the process of completing a Short Sale applicationon our home as a necessity as my employer is relocating. Having followed all stages of the Short sale process and securing an offer with terms dictated by our OCWEN relationship manager, who assured us they would be approved, we now have an offer. Once the offer was submitted to OCWEN, our realtor was informed that the property would have to be listed on XXXX as a condition of approval. 
At no time were we informed verbally or in writing that this would be a condition of the approval. Due to the relocation aspect of this case, any involvement of a third party ( XXXX ) in the transaction would be in conflict with contracts we have outstanding with my employer and relocation company. It would also result in the existing, complete offer being retracted and leave us with no offer. We are in the process of contacting the ombudsman, to request support in our case to have the files returned to OCWEN but they are currently with a Third party without authorization from ourselves. Proceeding in the require process, of which we have never been informed, would result in jeopardizing both the offer sitting and the terms of my employment status.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
Ocwen Loan Servicing , LLC has had control of our HELOC since GMAC went out of business. 
With XXXX years left on the loan, they have multiplied the amount due each month by 800 % in addition to increasing the interest rate. That is bad enough, but we can live with that. However, the payments are due on the XXXX of each month, with a XXXX day grace period to pay. Because we are educators, our paychecks are direct deposited on the first of every month, so we schedule payments on the XXXX of each month. ( this is within their " grace '' period. But we still receive past due notices that are automatically generated on the first of every month. Ocwen states that they have " no provision '' to change the payment due date. This is ridiculous- credit card companies do this on a regular basis without a problem. As a result of their incompetence, our credit scores have been plummeting due to " lack of recent installment loan information. '' We make the payment that is due each month and we do so within the given time frame. This is yet another indication of Ocwen 's shady business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I have applied for a HAMP Loan Modification with Ocwen and I cant seem to get an acknowledgement or the opportunity to interact with an assigned negotiator without having to race against the clock with the threat of a foreclosure sale. This property was the subject of a divorce and I have been trying to remedy this matter. I was offered a trial modification XXXX 2015, but when I sent payments in-they were returned to me. I have been putting those monthly payments aside every month to see if I can get Ocwen to honor that modification. I hired a firm to work on my behalf and they have submitted all of my documents for a modification, but Ocwen has not responded or canceled the sale. I have to resolve this matter pursuant to divorce agreement and I do not want to file bankruptcy again. I really need help. I am going to email the ombudsman. I have called to speak to that department but have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Loan Modification : We owed a balance of about {$300000.00} on our home in XXXX. We receive a loan modification in XXXX with OCWEN Loan Servicing LLC we now owed {$350000.00} and we have a balloon payment at the end of 30 years that we do not know how much it is. This home is only worth about {$200000.00}, I thought loan modifications was supposed to help people not hurt them we have lived at this house since XXXX XXXX and we still owe {$320000.00} on the house something is not right here if you ca n't help us at least point us in the right direction. We have been approved for two principle reduction. This company did not work with us so we did not receive either one of these principle reduction we want this company to be responsible and give us our principle reduction.

Company response to consumer: Closed with explanation