vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
Well in XXXX I purchased a loan from Homcomings Bank all was well never had one issue. Then in XXXX my loan was sold with out my knowledge to Gmac and thats where all the problems began. Payments were n't either applied to my account or were applied only to my escrow etc. I would call and complain and they would see they would handle it. Then these extra charges began to show up on my account and I would call and exspect the problem to be resolved but it never would. Then in XXXX my account once again was sold to a nonbank mortage company OCWEN. And the problems have just gotten worse number one every single time you call there is a person who doesnt speak XXXX and has no idea to what the heck is going on. So then we began talking by email. Then they requested we sent them are orginal documents. Number one should they already have all that? " Correct '' After that about month letter they sent us documents with there logo and some print out of the account payments from begining to end. How still owe XXXX on a {$15000.00} loan. XXXX Here the funny thing in XXXX my account was paid down to XXXX and all I have paid in XXXX is XXXX when I have made {$260.00} to {$300.00} a month payments. The documents they have sent saying I had a ballon account from the get go. The documents they sent do not match my documents. Its almost like they have cut my signuture out Pasted it to there papers. And trust me that can very easy be done. I saw other complaints against this company and they are all basically the same as i am Experiencing now. Someone needs to do something this is just crazy ... ... .PLEASE DO SOMETHING as well they have returned all my payments from XXXX on of this year and they took payment in XXXX, XXXX and then in XXXX they returned all the payments in XXXX weeks of cashing them. And been sending forclosing letters etc. What in the heck is wrong with these people?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 00:00:00
Product: Bank account or service — Cashing a check without an account
Issue: Account opening, closing, or management — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
I received a check for {$300.00} for a painting I sold to a lawyer. The check was from Union Bank, so I went to go cash the check at a Union Bank. Since I also bank with Union Bank, I know they will cash checks from their bank for {$5.00} fee. I did NOT want him to have my account numbers, so I did n't want to deposit the check in my Union Bank account, or use my ATM card to cash the check with. Everyone at the branch was very rude and refused to cash my check unless I showed them my ATM card. I pulled out my cellphone to record a video of how they were acting and how they were treating me. As soon as I started recording it, they complied and cashed my check with XXXX other forms of ID and took out the {$5.00} fee. 2 weeks later I receive a certified letter from Union Bank stating that because of what happened, they are going to close my account. The check was fine, so how are they allowed to do this?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: PA

Complaint narrative:
On XXXX/XXXX/15, I wrote a check to Caliber Home Loans for a mortgage payment of {$1800.00} for my mortgage payment. Someone from Caliber Home Loans physically wrote /altered my check and wrote {$2800.00} below the amount on the check although it clearly states {$1800.00} on my check. My bank ( XXXX XXXX cleared the check for {$2800.00} which caused fees and overdrafted my checking account and held my money for days. I personally went to the bank and they advised me that they sent the check back for a " coding error ''. ( I pointed out to the XXXX bank manager that it is not legal to alter a check. They did not seem to care XXXX, however, the check should have been destroyed.I further notified Caliber to report the problem. Although I was contacted, they were not at all helpful and did not seem to care that XXXX of their representatives fraudulently altered my check. I thought the issue was resolved, however, on XXXX/XXXX/15. the SAME check reappeared debited out of my bank account to which it says " this is an image of a check which was reported missing or destroyed. I again contacted my bank to which I was charged fees etc. who put a stop payment on the check as I requested. The bank did not seem concerned in the least that a photocopied check was submitted although their own checks reveal that checks that are altered or photocopied should not be cashed. I then contacted " XXXX XXXX '' from Caliber Home Loans who stated that she looked into the matter and reported that " it was an oversight or accident '' that someone wrote on the check, however, claimed Caliber never sent in the check again for processing. On XXXX/XXXX/15. I received a letter from Caliber that I was charged money for the " dishonored '' check. I also noticed an additional fee on my mortgage statement. I was not the one who altered the check nor caused this situation. Any other individual who altered a check would be arrested!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Caliber Home Loans, Inc.
State: MD

Complaint narrative:
I just received notice from the IRS that in 2014 a company I do not owe money to filed XXXX stating that they canceled a debt. I never received a copy of the XXXX to dispute at that time. I never had any kind of debt with this company and do n't understand how they can state a debt was canceled when I never owed them money to begin with. Now IRS is charging me additional taxes, interest, and penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: NY

Complaint narrative:
Caliber Home Loans are demanding {$3000.00} or they are going to take our home. First of all we do not owe them XXXX we have been paying extra since our chapter XXXX and they are still saying we owe {$3000.00}. Chapter XXXX has paid them XXXX because they said we were behind XXXX payment. Then they approve us for a modification XXXX XXXX we filed chapter XXXX then but we thought we had the modification so we paid for a year the modification amount which they never told us they took it away so XXXX we paid extra to catch it up now it is all caught up and they are still saying we owe over {$3000.00} we do not want our home taken a way. Our mortgaged loan got sold three times. From XXXX to XXXX XXXX and now Caliber Home Loans they are frauds get us for more money that we do not owe please help us

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
Ocwen changed the status of my loan without my knowledge or permission. They started charging me an escrow account and reporting my account late even though I never paid late. Their customer service department can not answer any questions when I call. I ca n't have this impacting my credit score as I am trying to purchase a new home. This company gives no written communication about anything and can not offer help when called.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: California Business Bureau, Inc.
State: TX

Complaint narrative:
I dispute the validity of this entire debt. I am invoking Texas Finance Code 392.202 CORRECTION OF THIRD-PARTY DEBT COLLECTOR 'S OR CREDIT BUREAU 'S FILES. The XXXX is not bonded in Texas and is acting illegally. They will not send me proof of not being bonded in Texas so I can not send proof to the credit bureaus to remove these charges that I am not liable for. They also will not send me any proof that they have any sort of contract with the hospital that they say I had procedures at.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: VW Credit
State: MD

Complaint narrative:
I XXXX XXXX hereby disputes the fact that VW Credit Inc still maintains a negative reporting item on my credit report, respectively on XXXX XXXX, XXXX and XXXX collectively. I originally closed on this vehicle loan on XXXX XXXX, XXXX. I was at least 30-days late on XXXX ( XXXX ) different occasions in XXXX. VW Credit Inc. has cut off at least 30 months of my payment history to give the indication that my first late payment was XXXX XXXX. However, the payment history for even that date has been successfully cut off. This process of extending the late payment history is known by the Federal Trade Commission and the Consumer Financial Protection Bureau as re-aging of debt. The account should have become obsolete based upon the 7-year rule of maintaining negative account information back in XXXX. VW Credit Inc. is in strict violation of my Fair Credit Reporting Act rights as well as all FTC and CFPB mandates upholding the 7-year rule. Accordingly, I demand either a complete payment history of the attached account, including copies of all payments, or the deletion of the account completely. I did protest this account with all credit bureaus, and I attach the most recent XXXX XXXX credit report to confirm that the account is still posted with at least 30-months of payment history cut off purposely. I demand this account to be removed immediately and permanently!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-28 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I took out a loan with Speedy Cash for {$750.00} in XXXX 2014. The total balance for the loan including interest was for a total of {$920.00}. While I took out a pay day loan, the lanuage on the contract and especially the payment screen on the website made it seem as though I could make montly payments of {$210.00} for 5 months without any repercussions. For the first three months the balance on my loan decreased, reflecting the payments I had made for a total of {$630.00}. However, after making over {$810.00} in payments I found out that I still owed the full balance of the loan because the payments of {$210.00} per month were meant to pay only the interest on the loan and keep it open. Speedy Cash is now charging me {$1000.00}, which is a higher amount than what was originally agreed on.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
I pay my mortgage via autopay every month on the XXXX. XXXX XXXX XXXX showed that it was paid on XXXX/XXXX/15. Caliber did not credit my account until XXXX/XXXX/15. Late charge is accessed in addition to continual harassment of calls and letters demanding payment they already got.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-07 00:00:00
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
Received notice from XXXX managment and paid {$310.00} for old debt for spouse to remove from credit report so we can purchase a home. They sent the attached letter. They stated they have the debt from XXXX XXXX XXXX who had the debt originally before I found out about it. XXXX is still reporting this debt on both credit reports despite numerous attempts to get them to remove it since the debt was paid in full. 

Either XXXX is a scam and collected on a debt that they did not have access to, or XXXX is refusing to accept the fact that someone else collected on the debt since they would not. The original Creditor was speedy Cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Siwell Inc
State: CA

Complaint narrative:
I purchased my home XXXX, 2012 with a fixed mortgage loan. It appears that my original loan had an error my property taxes were calculated by 1.25 % and should have been 2 %. My mortgage company has paid my taxes in full, however I have a -escrow balance that needs to be paid off in 12 months of over {$300.00} additional per month to my loan. Is it my burden for their error in calculating my loan docs. There has not been any increases in my property taxes or insurance premiums.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-10 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Called outside of 8am-9pm
Company: Bread Financial Holdings, Inc.
State: PR

Complaint narrative:
During XXXX XXXX, 2017 at XXXX ( late ) I received a threatening call from Pay Pal services regarding a credit Line that I owe with them. The guy sarcastically laugh after I complained about the calling hour. Also he constantly asked about my name and when I ask who is he representing, he hung up. I found out that is was pay pal when I call back the to that number in the morning. I also include a print screen of the phone call that contains the hour, date and specifies that is was a call received.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: MI

Complaint narrative:
Received written letter due to the receipt of a ONE day " late '' payment. I have scheduled bill pays of the debt owed and moved the XX/XX/XXXX payment ( XX/XX/XXXX ) to align with my pay day ( XX/XX/XXXX ) and received a letter dated XXXX. I find this to be very aggressive and unnecessary, when XXXX bill has a grace period. 
The main reason for arranging the bill pay was because of the horrible communication tactics with the representative and then the deceit of the amount owed submitted to the court. 
When I received the original communication in XX/XX/XXXX, it stated to contact the office before legal action was taken ; I did that and the debt collection agency still pursued court action ... it was until meditation that the court fees were waived and the verification of XXXX payments were presented. Of the XXXX payments, the first payment was n't noted on the account. Then after that, there were about XXXX versions of the agreement that had errors after errors, in which it was " expected/demanded '' for me to sign as if it was such an urgency ... 
At any rate, I ca n't wait until these next XXXX pre-scheduled payments have been received and I pray I never had to deal with this debt collection agency again in my entire life.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29 00:00:00
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: VW Credit
State: OH

Complaint narrative:
A creditor sent me a fraudulent bill for {$1800.00} in XXXX XXXX. I sent the creditor a letter to cease all communications and confirmed that I disputed the charges. See attached letter. The letter was sent certified and the United States Post Office records confirm it was received by the creditor. 

Recently, I received a letter dated on XXXX XXXX, XXXX to attempt to collect the fraudulent charges. According to the Fair Debt Collection Act, a debt collector can not contact me since the original creditor was notified. Note that this is INDISPUTABLY a violation of federal law.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-26 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: Lazarus Financial Group, Inc.(Closed)
State: GA

Complaint narrative:
I HAVE ASKED FOR VERIFICATION THAT THIS DEBT BELONGS TO ME AND IT HAS NOT BEEN PROVIDED.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ResidentCollect, Inc.
State: TX

Complaint narrative:
I moved out of XXXX XXXX XXXX because of MOLD and infestation of roaches. I did not break my lease and I left the MOLD in the bathroom and refused to clean up anything. I have evidence with pictures. I contacted them and they refuse to tell me what the {$1100.00} charges are for. They added the same amount to my credit I called them since XXXX and they refuse to work with me and keep adding the account to lower my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Municipal Collections of America Inc.
State: IL

Complaint narrative:
I was notified by XXXX ( collection agency ) that I owed a debt from a red light ticket XXXX from XXXX of 2014. I never received verbal or written notice from XXXX XXXX and was only contacted by XXXX. This resulted in a debt collection and negative mark to my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The Thomas Agency, Inc.
State: ME

Complaint narrative:
My credit is being hurt because the sharks ( XXXX ) trying to wrongfully charge me or the collections agency ( Thomas Agency ) who partner with them are the only entities that can tell the credit bereau that I do not rightfully owe them money which they will not do because they obviously want it wrongfully. I XXXX and went to XXXX. I was scheduled for XXXX at a XXXX Facility, The XXXX XXXX XXXX, and applied for XXXX by XXXX. They helped me very quickly with my XXXX Determination, the box next to ACCEPTED was checked and next to it reads " The hospital or physician practice will provide care at no charge to you for any participating XXXX facility or physician practice bill NOT paid by insurance or other payers. XXXX XXXX will be valid 'For outpatient services- thru XXXX/XXXX/15 ''. The entire bill is outpatient and covered. I was harassed over the phone several times by XXXX 's financial coordinator and sent her copies of my free care determination form which she said very bluntly that they were not going to accept it and we did that phone dance. Then I was being harassed by The Thomas Agency collections, and there is no way to reason with those people, they talk over you say their client does n't accept XXXX with no explanation of why they are above the law, and hang up shouting " Pay us the money ''. I checked my credit score and noticed that the credit bereaus are holding the collections debt against me so I put disputes into XXXX and XXXX. I received an Investigation Report from Transunion even though they never contacted me for my side of the story, the log in link to XXXX was broken which I needed to log into to add a XXXX word statement. I called the number on the investigation report and explained, they gave me another number for customer service to which I explained again, they said they were going to send me to " special handling '' ( which name implies to me that I am already in the wrong and considered by them to be irate ). The special handling lady was actually very helpful. She said she would type my explanation and submit a re-investigation. However she explained to me that regardless in order to remove the charge that either the biller XXXX or collections agency ( Thomas Agency ) had to remove the charge or say they did n't want the money ( which they know I rightfully do not owe them in the first place so why would they stop trying to pry it from me now? ). She told me about the CFPB and said that it was the best shot place to contact for help and here I am typing. I would very much appreciate help for my case. I feel the system is messed up and these big companys can just bully the little low income guy because the credit bureau takes their word about false debts and then the credit bureau can not even undo the harm after investigating the legitimacy of the charge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: MA

Complaint narrative:
The servicing of my mortgage was switched to Caliber in XXXX, 2015. They sent me papers to apply for a modification. I completed the application and sent it back to Caliber with all the supporting documents they asked for. 

I did not hear anything for a while so I called to follow up. They said my application was in process and they would get back to me. I did not hear anything for a long time so I called to follow up again. This time I was told they would have to look into it. It has been very hard to communicate with Caliber because there does not seem to be XXXX specific person assigned to my file and the company is not responsive. 

Caliber has never asked for more documents, and they have never given me a response to my request for a modification. Now they have scheduled a foreclosure sale for XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Alorica Inc.
State: TX

Complaint narrative:
West Asset Management contacted me today via phone, a XXXX XXXX proceeded to read to me my personal information and wanted me to verify it without explaining why she was calling, who she was calling about etc. I called them back to ascertain the reason for calling and was sent back to XXXX XXXX XXXX. She started the process again ; I said I will not give you any of my personal information without you telling me why you are calling. She said I can not do that until I have your information, i.e. my personal information. Phishing is an illegal activity, and not one I will be party too.

Company response to consumer: Closed with explanation