vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-25 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: First Associates Loan Servicing LLC
State: OR

Complaint narrative:
I had been attending XXXX XXXX XXXX for my XXXX degrees. During that time, their financial aid office handled all transactions with my private loans and federal loans. I have signed documents from these times applying for the federal loans and they dealt with the transfers of my private loans to several parties. During that time I noticed that when they transferred my loans from one private lender to another my loans increased in each by about 20 % -30 %. I do not recollect any documentation of any " interest '' or " fees '' that would state my overall loans would be increased to add on another 20-30 % of my entire loan.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CRA Collections, Inc
State: DE

Complaint narrative:
On XXXX XXXX I woke up to check my credit I was extremely upset to see XXXX collection items reporting that did n't belong to me. I seeked advice from a professional and read some articles online how to handle it. I then sent the collection agency revenue collect a debt validation letter that requires them to not collect on the debt for the next 30 days. I also sent a letter to XXXX XXXX and XXXX disputing this debt. On XXXX XXXX I have n't heard anything back from the collection agency but I noticed that both collection items were deleted from XXXX and XXXX but not from XXXX. XXXX deleted the debt for {$90.00} but not the the one in the amount of {$1900.00}. I called XXXX and ask what type of invesgation did they perform they informed me that they did n't have to investigate that the collection agency responded to them that the debt of {$1900.00} would remain on my credit report. I do n't understand how that is so when Revenue collect never responded to me at all. Now I know just from reading they violated the FDCPA specifically section 15 USC 1692G. As a consumer they vilaoted my rights as well. I am extremely XXXX. This accounts need to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
changing terms of loan from XXXX y to XXXX yover charging escrow taxesrefused to sent me a vod. validtion of debt per section XXXXXXXXbuying home insurancerefusing paymentsnot paying taxes

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
I had a negative escrow balance on my mortgage, I sent my mortgage company {$3000.00} to be applied toward the escrow, switched home owners insurance carriers ( {$1400.00} difference ) and have paid and extra {$480.00} dollars to be applied toward the escrow for the past XXXX months ( {$1400.00} ). I 've called at least XXXX a month since XXXX 2015 asking for a new escrow analysis to be done and I 'm always told the order is put in and I should receive something within XXXX business days. Each time I call, the previous order was never completed. I 've applied a total of approximately {$5800.00} toward my escrow and Ocwen refuses to recalculate my monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
My mortgage company Ocwent told me if i pay my mortgage on time my PMI will drop in 5 years of payment, now that the time has come they will honor what they said giving me any excuse that i owe too much on my home, i received a letter from XXXX Department of Finance with my Market Value at {$380000.00} and i owed {$200000.00}, Ocwen will not even aknowledge the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: HW Holding, Inc
State: MD

Complaint narrative:
I was contacted by the XXXX XXXX XXXX who evicted me because I reported and filed police reports because of safety issues. There was a man stalking my apartment and my XXXX young boys and after repeated notifications to the apartment complex they did nothing to help me. They even stated their cameras were not in working order so they could not catch the suspect on camera. I attempted to move to a higher level because I was on the ground level but was told I would have to pay a new security deposit and month 's rent before the transfer could take place. The apt complex knew I did not have the extra money to move because I was a single mother and recently lost my job. Despite everything that I was going through, I made attempts to pay what I could my last month of residing there ( approximately XXXX 2015 timeframe ) and my money was accepted, but I was still evicted. I then received a bill for over {$1700.00} stating that I needed to pay for the remainder of the month in which I was evicted as well as the upcoming month because I had voluntarily left the property. This is absurd. When I contacted the debt collector, they had stated that they had no recollection of eviction and their client, the apt complex had informed them that I voluntarily moved out and that I owed rent as well as replacement of carpet fees worth over {$1000.00}. They kept my security deposit and sent me a bill which was surprisingly already on my credit report being reported as a collection. This has ruined my credit and I want justice. They did threaten to take legal action and hired this attorney 's office which is the one reporting this false debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
ocwen offered modification which when it was said and done made our monthly payment go up not down.and made it a 40 year loan from a 30 making it impposible to ever pay it off .we ended up short selling the house from not being able to keep up the payments.we applied for other help but where denied every time.we feel ocwen preyed opone our weakness and took advantage of us.

Company response to consumer: Closed
Consumer complaint received 2015-04-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I asked a customer representative on XXXX XXXX how much I owed to get my home mortgage out of default. I was given an amount and I asked if the method of payment was acceptable. The payment was returned two weeks later. I was told today I had to pay the late fees and could not repay them later ( as told by previous rep ). The delay increased the amount I owed to more than a thousand, catching me in complete dire straits. I do n't understand why I can not get out of default paying the months I missed alone. I should be allowed to pay fees ( which are egregious ) later. Please advise!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: NV

Complaint narrative:
I filed a mortgage application with Homeward Residential Inc. on XX/XX/2016. I have not been contacted in over two weeks, because they said the appraised value was too high. I have been waiting 79 days to close my loan. I have already paid for the appraisal. I need to close the loan to save about $ XXXX/month. 
This is not the first time I have been wronged by an affiliate of Ocwen. When they bought my existing first mortgage loan at 8 % interest, they put false information on my credit report which inhibited my ability to repair my credit after going through a Chapter XXXX bankruptcy. I had to complain to you to get it fixed so I could begin to re-establish good credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIRST NIAGARA FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
To summarize : First Niagara raised my mortgage payment by almost 40 % due to an error in their automation.They may be able to give you more information on their process than I could but as I understand it, they analyze the next year 's taxes to figure out the escrow payment for the next year. 

In XXXX XXXX I received a letter from XXXX that said my payment would be going up to {$1000.00} from {$720.00}. Confused, I ended up reaching out to them for an explanation. I spoke to a very nice person who let me know that they have an automation that projects the next years taxes. The way this automation works is they take the amount of last years city 's taxes and base the payment off of that. The particular city I live in ( XXXX ) had a supplemental bill go out in XXXX. This bill was only {$130.00} ( the first bill was the normal tax bill ) so the analyzed escrow was based off of only {$130.00} when it should have been based off another amount. 

First Niagara claims I should have paid attention to my payment and that this was MY responsibility to catch and figure out. There is now a significant shortage with my escrow which caused my payment to go up. Until I called in, First Niagara offered no alternatives to alleviating the burden of this extra monthly cost. 

My wife and I have an escrow because of all the benefits it has for the consumer and servicer/lender. This was not our error. As of XXXX/XXXX/XXXX, I asked First Niagara for alternatives to my huge increase in payment. I have listed them below : 1. Reduce the shortage by paying a one time lump sum payment ( not odeal since we 're talking about {$2000.00} ) 2. Spread the shortage over a number of months ( 24-48 ) Can you please advise on this matter and let me know if there is any precedent for this? Again, XXXX 's automation caused this issue to happen and they never discovered the issue until I was short. Their response was to send a letter informing me my payment would increase over 30 %. 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
A home with no mortgage was sold to an unrelated party in XXXX 2014. On or about XXXX 2014 Ocwen Loan Servicing posted a Fraudulent Lien listing with XXXX which they continue to refuse to remove. Ocwen has not one piece of paper signed by me as any sort of basis for this " mortgage '' on a residence I no longer own and both the other credit bureau 's have since read the documents and removed it from further damaging my credit reputation. Ocwen continues to lie to XXXX and they continue to refuse to examine the documents which prove Ocwen is a liar.

Company response to consumer: Closed
Consumer complaint received 2015-07-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: CT

Complaint narrative:
Caliber Loans keeps paying the wrong property parcel ID to my town so effectively my taxes are unpaid and I now have a lien threat or actual lien on my home. I 've been calling them and faxed them the tax notices at least XXXX time since the issue began in XXXX of 2014. I can only reach the customer service dept and they ca n't do anything and I ca n't call the tax research dept who is responsible for fixing the error. The parcel ID needs to changed, I provided the information and nothing has ever been done to my knowledge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-16 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: IA

Complaint narrative:
My mortgage was recently sold to Caliber Home Loans, Inc. My payment was due on XX/XX/2016. I logged into their system at XXXX cst on XX/XX/2016. It would not allow me to enter a payment date until XX/XX/2016, thus making this payment late and incurring a late fee. I completely understand they may not be able to process my payment until then, but there 's absolutely nothing preventing them from recording my payment on XX/XX/2016. I attempted to make a payment before it 's even due, yet I ca n't. This is a deliberate act on their part to ensure I am late. thx.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: AES/PHEAA
State: IL

Complaint narrative:
I sent a letter to AES letting them know I had been a victim of identity theft years before the accounts had even showed on my credit report and I provided my supporting documents and police reports made about the identity theft and AES refuses to delete the fraudulent accounts from my credit report stating in a letter its verified AES provided no physical evidence to why they wo n't remove it, according to the FDCPA and FCRA they have violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. If they do not delete these accounts that are not mine that resulted from identity theft I will exercise my legal rights and file a civil suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: OR

Complaint narrative:
My mortgage was switched to SLS ( Specialized Loan Servicing LLC ) a year ago and have had various issues with payment amount due changing numerous times and do n't know how they are even coming up with the amount due let alone they ca n't correct the issue created by their mistakes when applying funds sent in to supposedly get account fixed so payment amount would be correct and consistent. In XX/XX/XXXX I sent them a {$10000.00} check that was documented in my account before I sent check as to how to apply funds and also hand written on escrow shortage payment slip to pay shortage and apply the extra to principal. They used money to pay my regular payment due ( which I was sending separately and advised before money sent ) and the rest was not put toward escrow shortage or principal. So since then they have gone back and forth trying to fix this but it has only got more confusing no one there can explain, audit or resolve this besides sending a note in account to another department ( that department is who made the mistake originally not applying funds correctly ) and they have no other contact person in that department to speak to so they send it, the department screws it up more, I call again and now my next payment due is showing {$2400.00} ( are you kidding!!! I just sent them {$10000.00} ) instead of {$1200.00} ( last amount quoted that would be payment for the rest of the year. They do n't have an accounting, audit or corporate contact number for me to try to get resolved and the customer resolution department ca n't fix because they send it to cashier Dept no one can speak to. Please help me get my money applied to account corrected and any fees/interest charged by misappropriation of funds credited so I can make my monthly payment and not have amount switch monthly not able to pay if they keep switching after quoting me amount they say for sure will be the next payment due for the rest of the year. It is n't the same and has yet to be amount due on next bill so when I 'm told for sure, I tell them I highly doubt it because for sure has not happened and I even told agent on phone that it keeps switching they say do n't worry they fixed and are right. I do n't know if I need a lawyer or who to hire to get straightened out, please get me help from a real auditor that has knowledge and power to physically be in the phone and change/fix my account at the same time without sending to another incompetent department.

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 2015-04-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
Homeowner did everything to try and save their home. They determined that the home was unaffordable for them and decided to pursue a short sale of the property. This was a difficult decision for the client to make, but realized this was in their best interest. 
The short sale was initiated on XX/XX/XXXX with an approval letter being submitted on XX/XX/XXXX in the amount of {$440000.00}. We submitted a value dispute and appraisal showing a value around {$420000.00}. The property was built and designed for little people and does not conform with standard properties. In a detailed conversation with XXXX XXXX at the lender ; a possible approval was discussed at {$420000.00}. The buyer is prepared to close at this price and seller can avoid foreclosure. 
On XXXX XXXX we received a denial notice from the lender advising that the offer was not high enough and they were proceeding with foreclosure. 

Additionally, this is an invalid foreclosure. The original sale date was issued for XX/XX/XXXX. Since the sale has been postponed XXXX times, it is mandated by California State Law that new foreclosure proceedings must be filed starting the foreclosure process over. No new Notice of Default has been filed. Therefore, to proceed with the foreclosure sale tomorrow would be an invalid and illegal foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: NY

Complaint narrative:
To avoid foreclosure XX/XX/XXXX Caliber Home Loans offered us a loan modification contract in which we had to pay 3 monthly trial payments of a certain amount, on time every month. We made our payments on time and the modification never happened. They sent us another agreement and another and another over the course of a year. When we went to make our payment for XX/XX/XXXX, the person on the phone said that the home had been foreclosed on and sold on XX/XX/XXXX. We had been led to believe that we were making monthly payments and working towards a modification when in reality CaliberHome Loans did what is known as " dual tracking '' and sold our home out from under us with no notification, no monthly statements breaking down our payments, no copies of the contract we signed, and no effort to make the modification we had been promised happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Called after sent written cease of comm
Company: Alorica Inc.
State: GA

Complaint narrative:
A debt collector from West Asset Management called me on my personal phone informing me of a medical collection on XXXX XXXX, 2015. I advised that I would get a letter in the mail to them today to cease contact with me regarding this debt as it is still being reviewed by my insurance company. On XXXX XXXX, 2015, the same collection agency called my Father claiming that they were calling about a doctor bill and they were looking for me. This third party call should have never been made because they verified that my information was correct and my telephone number, additionally, they were advised not to call me by phone and in writing. Location purposes do not hold water here considering they spoke to me and verified my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alorica Inc.
State: FL

Complaint narrative:
XXXX and it 's designated debt collection company, " West Asset Management '' ( also known now as Global Receivables Solutions ), engage in some dishonest billing and collection tactics. I was actually quite surprised to find out this same exact situation has happened to other people. After terminating my relationship with XXXX XX/XX/2014 ( important to note that I was no longer on a contract but paying month to month ) ; I paid XXXX for the remainder of that month in addition to the next month 's service. Unknown to me, XXXX decided to charge me for yet ANOTHER month of billing. So cancelling in XXXX 2014 and paying both XX/XX/XXXX and XX/XX/XXXX phone bills ; XXXX still decides to charge me with a XX/XX/XXXX bill! But because I no longer had autopay setup for the account, XXXX forwards the account to its collections company for hire - " WEST ASSET MANAGEMENT. '' When I finally received documentation for the extra month I " owed '' XXXX and contacted West Asset Management, they told me it could be resolved if I paid the amount in full and it would not affect my credit. I agreed even though I did not feel I owed the debt. 
Checking my credit and seeing it get decreased with all three bureaus because of a derragatory mark, I again contacted West Asset Management. They informed me that I had paid too late and that there was now nothing they could do to remove the debt. West Asset Management was dishonest with me about the terms of resolving this debt. 
To summarize, XXXX is very unscrupulous in trying to collect extra money from people who disengage their services. This was extremely disappointing that the manipulated end date of services in order to collect an extra month ; I had been a good customer on contract for well over two years who always paid on time and in full. In addition, West Asset management uses dishonest techniques ( as well as possibly illegal ) such as lying about settlement terms and threatening with lawsuits for collections. 
After the time and money sunk into fighting this issue with these XXXX companies, I would like these negative marks removed from my XXXX, XXXX, and XXXX Scores. I would also like other people reading these online to really reconsider doing business with a company like XXXX at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: WA

Complaint narrative:
The bank is reporting past due and this was paid in full and subsequently XXXX Bank was taken over by Union Bank. This is still on my credit report reflecting past due when in fact it is PAID IN FULL and should be reported as such.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation