vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank Has literally given me the chase. I have been trying to go through modification and now sale payoff with this bank for almost a year. If they would have given us a loan modification back in 2010, we would ot have such a high balance on our loan, They are forceing us into forclosure.In 2010 with the help of HUD we applied for a modification after being turned down for a refinance from an ARM to a fixed rate with perfect credit score. They have given us the run around ever since. They told us to stop making payments for XXXX days and we would be able to apply for a lower intrest rate loan throught their mod process, so XXXX years later we still find the lies and the run around. They are forceing us itnto forclosure. They are trying to get us to just give up. we have been now in contact with the executive office and are still recieving misinformation peolpe can not take notes properly and can not help with the process. This office has become just aother layer in the chase for someone to do somethig to help the homeowner.After speaking with an Exec office person, the answer was of nothing that was asked.None of the questions that were asked were answered.Phone calls not returned even supervisors ca n't return phone calls. This madnes has affected our familylife for far to long. Can someone please help stop the madness.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: FL

Complaint narrative:
I have sent numerous letters to Hunter Warfield asking them to validate the debt. While I was still awaiting them to validate the debt, I received numerous calls from their office to my cell phone. Mind you, I have never had any business with them and have never given them my cell phone number or work number, let alone given them permission to call either of the XXXX. The problem I am having is misrepresentation on my credit report. For the last XXXX6 months, they have changed the original amount on my credit reports. How does the original amount change? This is inaccurate reporting and therefore they must remove this from my credit report. After disputing this several times with the credit bureaus, they continue to verify this information with XXXX but not with me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
OCWEN LOAN SERVICING , LLC IS COMMITING FRAUD BY INCREASING MY MONTHLY MORTGAGE PAYMENT FROM {$1400.00} TO {$5200.00} PER MONTH. I AM BEING ASKED TO PAY THIS PAYMENT ON XXXX/XXXX/15. IF I DO NOT PAY, MY HOME WILL BE FORECLOSED ON. SEE ATTACHED FRAUDULENT ESCROW ANALYSIS. I complained on XXXX/XXXX/15 to XXXX, ID XXXX and XXXX ID XXXX but no result. was promised by XXXX that he would call me in XXXX to XXXX business days but neither him or anyone else from Ocwen has contacted me. He acknowledged that the escrow analysis was incorrect as it reflected disbursements of {$50000.00} instead of {$7800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Once again Ocwen Loan Servicing is failing to apply my payments to my account correctly. In XX/XX/XXXX I filled a complaint to your department against Ocwen, and they sent you 're a copy of my Deed of Trust, and other that did not pertain to the nature of my complaint. In late XX/XX/XXXX your department fined Ocwen for a lot of servicing violations, but I am here to file another complaint because Ocwen is up to their old tricks again. 
On XX/XX/XXXX, I received a notice from my Chapter XXXX trustee because I was near the end of my Chapter XXXX. The letter from Ocwen 's attorney stated that I was contractually due for my XX/XX/XXXX and XX/XX/XXXX payments in the amount of {$3600.00}. They also showed a suspense balance of {$470.00} which reduced the amount that I allegedly owed to {$3100.00}. 
I immediately paid the amount of {$3100.00} to Ocwen, and Ocwen accepted the payment. Afew weeks later I called Ocwen to follow up to see if I was contractually caught up as the attorney letter stated, and I was informed that I was past due for {$470.00}. I contacted their Officer of the Consumer Ombudsman, and asked them to look into the matter. 
I was contacted back by XXXX XXXX who informed me that Ocwen had no record of a letter sent to me by their attorney, and that I was still past due for the {$470.00} to bring me contractually current. I am attaching a copy of the letter from the attorney. Once again Ocwen is up to their old tricks. I have the document why do n't they have it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 00:00:00
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
copy to cfpb ombudsman team also email document to cfpb ombudsman unresolved issue ... 
XXXX XXXX XXXX XXXX IS NOT MY LENDER acts contrary to honesty and justice making false statements or AND present false statements BY under the control of ocwen loan serivcers ( XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX. presenting lost note that has been fabricated or doctored documents, these need to be brought under the attention of Economic Crimes Division of the XXXX State Attorney General 's office FOR investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: HI

Complaint narrative:
In XXXX my mortgage under XXXX and suddenly change to XXXX till XXXX, due to resessions and difficulty of business income, i got hard time to pay my mortgage, I applied modification and approved with the amount of {$2800.00}. I was in 3 months trial payments, on the 3rd months XXXX refused my payments coz my mortgage is no longer with them and was endoresed to Ocwen, I called Ocwen for my 3rd payments and was n't able to accept payment due to non documents in their system. I kept calling and waited for several months and I finally received statement back to my original payment. I could n't make the payment till I got Foreclosure via XXXX Bank. 
XXXX XXXX XXXX promised to save my house which I paid {$2500.00} as their service fee by XXXX XXXX XXXX which is later find out Scam. 
I continuedly saving my house to apply Modification directly to Ocwen. While modification is on going XXXX Bank keep fighting to foreclose my house.XXXX Bank filled a motion to sell my house without open house and the court granted while my modification is on going. I called Ocwen what is going on then ask me to submit some documents and scheduled me to a phone call which they failed to call me. I received a motion for selling my property without open house. XXXX scheduled to sell my property without open house in XXXX XXXX, XXXX. I received a denied letter from Ocwen after the selling date. I filed bankruptcy chapter XXXX to save my house and paid {$1800.00} XXXX = {$3600.00}. A week after my relation officer called me if I want to save house and I said of course. Again ask me re-do some documents which I did. Ocwen approved my modification too high as much as my original loan payments after I filed Bunkruptcy chapter XXXX. I did not accept their offer because too high and ca n't afford due to difficulties and changes of income. 
I want to know also why XXXX Bank is foreclosing or selling my property while modification was on going? 
Please I need help what is going on and need help to lower my mortgage.

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: Ocwen Financial Corporation
State: MA

Complaint narrative:
Ocwen Loan, I fell a little behind in my mortgage due to an injury and divorce, I have been trying to get back on track with Ocwen but they refuse to accept payments and have consistently sent payoff and reinstatement letter that have already expired by the time they get them to me. Now a days with email and over night mail ever regular mail there is no excuse for this. My house is now in foreclosure, I have funds to pay the P & I that I owe in full but they say I need to talk to my account manager. He is never available and when appointment is set up to 6 weeks in advance they call and phone rings only once and no one on other end. I call back and am told I need to make another appointment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NV

Complaint narrative:
XXXX XXXX XXXX Per a previous CFPB complaint with Ocwen Loan Servicing, Ocwen raised an additional question that must be answered. Please provide a written response along with documentation to each of our questions. Ocwen Loan Servicing stated that our investor loan number is XXXX. Now, this investor loan number ( XXXX ) belongs to XXXX which is on a copy of our Note and Deed of Trust. This loan was created on XXXX XXXX XXXX with XXXX. Ocwen is fully aware that XXXX and all of its affiliates went chapter XXXX in the District of Delaware on XXXX XXXX XXXX, file # XXXX. This means that XXXX is not the investor any more and is a non-existent company. 
First, why did Ocwen fail to provide the current investor loan number as we requested? 
Second, what is the correct investor loan number? 
Third, what investor or company does this investor loan number belong too? 
Forth, the information that we are seeking is NOT proprietary and confidential but rather Ocwen Loan Servicing considers this information confidential. Since this information pertains to our loan, we are entitled to have this information. So, why is Ocwen Loan Serving failing to answer our entire questions in detail and provide us documentation as we requested? 
Fifth, the investor of our loan is NOT XXXX, so please do not provide XXXX loan number! If Ocwen does claim that XXXX is the owner of our loan, then we request documentation that this loan was sold from a previous investor to XXXX and not transferred or assigned which was done unlawfully by Ocwen Loan Servicing, claiming to be the assistant secretary for XXXX XXXX, per the Assignment of Deed of Trust dated XXXX XXXX XXXX. NOTE : Since XXXX XXXX is not the investor per the Deed of Trust dated XXXX XXXX XXXX ; XXXX XXXX can not legally sell, transfer or assign our Deed of Trust to another investor or company! A Deed of Trust allows the current lender to foreclose and sell the property if a person does not make their mortgage payments. Per documentation, an Assignment of Deed of Trust allows the lender to sell the loan to a different lender. A mortgage lender is the only person or company that can legally sell a mortgage and provide an Assignment of Deed of Trust anytime before it is paid off! 
Sixth, is Ocwen Loan Servicing aware of the fraud that has occurred with our Note/Deed of Trust? 
Seventh, due to the fraud that has occurred, is that the reason that no one that is affiliated with our Note/Deed of Trust will not answer our questions and provide documentation as we have requested? 
Eighth, is Ocwen Loan Servicing aware that a state or federal court order can be issued for Ocwen to comply and answer all of our questions under oath? 
Ninth, is a court order needed to have Ocwen Loan Servicing comply with our requests, answer truthfully and provide documentation?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Called after sent written cease of comm
Company: Pendrick Capital Partners Holding, LLC
State: WA

Complaint narrative:
Affiliate Asset Solutions Keeps repeating to call my home and cell number despite XXXX letter to them asking them to not call me and I will only accept correspondence via XXXX Mail. when i spoke to them on XXXX and told them this " XXXX '' said " we are not going to mail you every time we need to talk to you and will keep calling ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: OpenRoad Lending
State: GA

Complaint narrative:
This company is another example of dishonesty and fine print manipulation i filled an application to refinance my car within minutes the shared my info with XXXX different companies after i saw that i never wanted more then one hard click on my credit i looked them up on XXXX and it appears this is very usual for them to do this caused my credit to drop XXXX point please help

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-30 00:00:00
Product: Payday loan — 
Issue: Applied for loan/did not receive money — 
Company: CURO Intermediate Holdings
State: MO

Complaint narrative:
I applied for a loan online and in person by speedycash multiple times but did NOT recieve ANY money. This is a very bad misrepresentation by this firm and they are helping aid XXXX in further retaliating to a wrongful termination and equal employment opportunity commission investigation along with a human rights act. This firms main concern was to find out if i have defrauded the government by collecting social security when i am clearly able to work. speedycash I have used a time or XXXX before and now they only are concerned with aiding and abetting a criminal business owner in depriving a qualified candidate with a XXXX of his equal employment opportunity he is afforded under the USA constitution by further aiding and abetting a local business owner in retaliating to a district judge 's order.

Company response to consumer: Closed
Consumer complaint received 2016-01-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
I have been trying to get a loan modification for over 4 years with my lender ( s ). Last summer I was denied based upon the LTV not over 80 %, but the lender would not tell me what valuation they were using despite multiple requests. The home went back into foreclosure during the fall. The lender said I could re-apply for a loan modification, but kept telling me the application was not complete. They made several mistakes then set up a sale date which they will not postpone despite my loan modification being under review.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: NC

Complaint narrative:
As a homeowner for 21 years with not one day late, I applied for a loan modification due to economic recession, reduced income and a divorce. With countless faxes, documents ( mail or fax only ) and run around, XXXX XXXX managed to lose my documents and my payments and threaten foreclosure. I was XXXX a single mother where a family dream home became a nightmare. I finally had to file for bankruptcies to stop the foreclosure after settlement under Independent Review with a mere {$500.00}! I was once again devastated and my life is still in limbo, unstable and no success with modification from XXXX XXXX. Instead they transferred ( or sold ) my loan to Caliber Home Loans which I was relief thinking there 's light under the tunnel with new services and some relief for they allowing me to email documents and hope for a modification finally I thought. What a deception! Same lost documents, same run around same tactics as XXXX XXXX but worst! Caliber Home Loans never intent to help me with loan modification as my loan information was never set up nor attempt to modify or give me a reason but stonewalling me and not getting all the documents while collecting late fees, attorneys fees and push me further in arrear from the original loan balance from XXXX XXXX of {$170000.00} to now over {$300000.00} which is stealing my equity and my retirement!!! If this is not a slap in the face robbery, I do n't know what is. How is this practice being allow to happen in America? So unethical, so wrong especially when they promised to help, instead they are robbing you from everywhere and from behind the scenes!! Thank God my attorney let me know about CFPA and this website to finally file a complaint! Please help me to stop these Goliaths from harming me any further!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Caliber Home Loans, Inc.
State: NC

Complaint narrative:
On or around XXXX/XXXX/XXXX received package of information via XXXX. However the only newly requested document in the package was a Certificate of Incumbency for XXXX XXXX. The other names in a Request for Information letter sent dated XXXX/XXXX/XXXX, a Certificated of Incumbency / Corporate Resolution Authorizations / Power of Attorney for court case # XXXX in the County of XXXX N.C. was not sent. Also, XXXX XXXX was not an Employee or Rep. for XXXX XXXX XXXX of North Carolina or XXXX XXXX XXXX at the time of this transfer and Assignment Of Deed of Trust on XX/XX/XXXX ( see enclosed ). At that time according to Resolution Of The Board Of Directors Of XXXX XXXX , XXXX A/K/A XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX employee of XXXX. XXXX XXXX ( see enclosed ). Therefore XXXX XXXX XXXX was still not an employee or XXXX of XXXX or XXXX, So as a consumer I am still trying to understand how this transfer on new assignment of deed of trust was done " Legally ", ( see enclosed ). I have also enclosed a copy of what I am not sure that my name and address appears on, this is the only other document that was sent by XXXX that might could be an Cert. of Incumbency ( see enclosed ). At this time I am also enclosing lawsuit that I have removed myself from but still remain in the settlement class ( see enclosed ). I have also enclosed a copy of first QWR dated XXXX/XXXX/XXXX the last page. At this Point I as the consumer really would like to see how all of these transfers and filing of documents was done legally but at this time there seem to be a missing link??? Maybe If we can get the transfer paperwork referred to in your last letter dated XXXX/XXXX/XXXX in the " Previous Correspondence '' section page XXXX, which states that " My Loan Was Transferred From XXXX XXXX , XXXX to XXXX Master Participation Trust and then from the Trust to U.S.Bank Trust, N.A. as Trustee for XXXX ( see enclosed ). I am also enclosing a letter from US Bank giving XXXX XXXX the Authority to dispose of these matters as it concerns XXXX XXXX XXXX XXXX XXXX, NC XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
I have an old paypal account on my credit report that I do n't know why it is there and want it removed. I have a PayPal account in good standing

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Comenity Bank who is financing my XXXX XXXX Credit card has been charging me late fees from paying the late fee late. 
I have no more balance from the purchase that I made worth XXXX, my balance right now is XXXX. All just late fees. 

XXXX XXXX, XXXX is my due date for the credit card, I paid the credit card XXXX XXXX so I was charged a late fee of XXXX I emailed and got the fee reversed because I was a new customer. I had a balance of XXXX from that XXXX original purchase but because I had thought I had set up my account for auto pay I was late again and my payment went thru on XXXX XXXX, XXXX. 

So i was charged another late fee of XXXX again which now they were not able to reversed. So I paid for it on XXXX XXXX. That was my only balance because I never used my card after that. But I did not know that they have added a minimum charge of XXXX on XXXX/XXXX/XXXX. So the next month I did not even check the account cause I was sure I had XXXX balance, I was surprise to see my bill they charged me another XXXX late fee of the XXXX ( finance charge ) balance that I did not know about. Added another XXXX on XXXX/XXXX/XXXX another late fee XXXX on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX minimum charge XXXX, XXXX / XXXX late fee XXXX minimum charge XXXX/XXXX/XXXX, XXXX/XXXX/XXXX late fee XXXX, XXXX/XXXX/XXXX finance charge XXXX, XXXX/XXXX/XXXX late fee XXXX, XXXX/XXXX/XXXX finance charge XXXX. 

These are all just from the late fees, my purchases were all paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 00:00:00
Product: Payday loan — 
Issue: Applied for loan/did not receive money — 
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
I ca n't stop Bill collectors for harassing me. Or making have conical problems

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I am trying to refinance my student loans, I was 90 days late in paying Comenity Bank on a XXXX account {$23.00}. They account now has a XXXX and Comenity has increased my credit balance. However, they put a negative rating on my credit history. I requested, in light of the fact there is a XXXX, and they increased my credit limit, to remove the negative rating from my credit. Comenity refuses to do so and this negative notation could stay on my credit indefinitely. Comenity requires a letter by regular mail disputing the negative rating. Comenity refused to provide me with an explanation of their process and what they review to remove the negative rating.

Company response to consumer: Closed with explanation