vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-25 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
Got a bill for a credit card I never received. Bill is for 3 years ago that just came in today 's mail.It is from PAYPAL CREDIT,XXXX XXXX XXXX, # XXXX, XXXX XXXX MD XXXX XXXX XXXX XXXX. The company never stated before using them on XXXX, that an an account was established with a XXXX digit credit card # and consumer has to pay for the service monthly. I used it a few times 3 years ago and got a bill for it of {$130.00}. THIS IS CORRUPT AND UNFAIR! I WANT THIS REMOVED AND GET XXXX BALANCE!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: VW Credit
State: MA

Complaint narrative:
HAVING AN ISSUE WITH XXXX CREDIT, MY ISSUE IS THAT MY CAR IS A LEMOM EVER SINCE I BOUHGT IT XXXX 2014 ALL IVE HAD WAS ISSUES I HAVE NUMEROUS SERVICE RECORDS AND MY COMPLAINTS AND ISSUES COMPLY WITH THE LEMON LAW. IVE CONTACTED BOTH COMPANIES AND NEITHER HAVE BEEN WILLING TO HELP ME. IVE HAD TO RESORT TO BUYING AN OLDER VEHICLE TO GET ME AROUND. IM IVE BEEN FALLING INTO FINANCIAL ISSUES NOW BECAUSE OF ALL THIS AND NEITHER COMPANY SEEMS TO CARE. IM HONESTLY RUNNING OUT OF OPTIONS AND IM ON THE BRINK OF HAVING THE CAR REPOSSESSED AND IM NOT SURE WHAT TO DO. I DO NOT WANT THE CAR BUT AT THE SAME TIME I DO NOT WANT MY CREDIT RUINED. I WAS IN THE PROCESS OF TRYING TO BUY A HOME AND I CAN NO LONGER BUY IT BECAUSE OF THE NEGATIVE INQUIRES BY VOLKSWAGEN CREDIT.PLEASE HELP IM NOT SURE WHAT ELSE TO DO.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: NY

Complaint narrative:
This is my second complaint for an ongoing issue. My first complaint # XXXX has not been settled. I declared bankruptcy in XX/XX/XXXX. My case was closed in XXXX of XXXX. Caliber Home Loans still refuses to lift the hold on my account. I have no access to my account. No statements or online access. I pay an amoumt every month not knowing if it is correct ir not. They have blatantly disregarded correspondence from my lawyer stating that they are in violation on the NY State bankruptcy codes. How do they get away with this????? I never missed a payment in 8 years. The only way I can pay them is through my bank 's bill pay option or I can pay on the phone for a XXXX dollar fee. This is my home!!! They keep saying that an abandonment of property was never filed. The NY State trustee on my case informed them that no such document is required once the case is closed. Yet they refuse to grant me access to my account. I have not seen a statement since XXXX of XXXX. I am beyond XXXX about this. On top if this my mither passed away in XXXX of XXXX and they are still sending tax documents in her name and sicial security number. They were sent her death certificate a year ago and I have called XXXX other times about it. How can a company get away with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Had a commenity BJs perks card used mostly at BJs and paid in full every month. Was offered interest free for a year to move any balances to this account. I still pay my new charges off each month plus the minimum payment and they are charging interest every single month. They are saying that I have XXXX separate balances for charges in BJs and outside of BJs ( almost never happens ) and they are charging 14.99 % for outside purchases and 6.99 % for BJs purchase, but I pay the bill in full every month and on time, if not early.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-29 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
I 've been using paypal via ebay since the XXXX 's I used to make my living that way now it 's just part time. Yesterday I made a small purchase no problem but today when I tired to make another small purchase I found that paypal has blocked my account forever. When I called them they only said " we do n't have to tell you why '' and 'we will never tell you why ''. I have NEVER had a problem with paying for my purchases so why the extreme discrimination? Why the attitude? How do they keep getting away with doing whatever they like with everyone 's money? How is it that the internet ca n't even come up with who regulates paypal in the usa? Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Our mortgage was purchased by Ocwen a few years ago. Recently ( XX/XX/XXXX ), I called to ask about the status of a loan modification that we applied for and was told that we had an outstanding balance on our account. I thought it was strange and so I checked to verify that we had paid our bill that month. I located my bill, checked the amount, and verified online that our check had cleared - it had. 

When I asked for more information they told me that there had been an increase our bill. However, when I asked about when this had taken place I was told that it happened after my bill was generated and mailed. In other words, I had NO WRITTEN ANNOUNCEMENT of the increase in the amount that they are saying took place on XXXX XXXX. 
I have tried 5 times or so to contact them about this and every time I have heard that the only people who can handle this are 'supervisors ' who happen to be on other calls each time that I call. Today it is XXXX/XXXX/16 and there is still no end in sight to this madness since I was just told over the phone by a normal agent that in addition to this my payment was going up again in XX/XX/XXXX to another amount for which I had NO NOTICE. 

Ocwen is well known for their frequent violations of legal procedures when it comes to loan management. They purchased our loan, it was not our choice to work with them. This sort of behavior should be dealt with more effectively and consistently. As far as I know many lawsuits and fines have been handed to them, and they have not changed any of the practices from the complaints that I have found on the XXXX. I am hoping that this is a more helpful avenue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: HW Holding, Inc
State: AL

Complaint narrative:
I 'm filing this complaint because XXXX formerly XXXX ( XXXX XXXX XXXX ) apartments mailed me a final bill on XXXX XXXX, 2015 stating I had 30 days to pay the balance of {$580.00} which is not the correct amount. Then I rec 'd a letter from Hunter Warfield ( a collection agency ) dated XXXX XXXX, 2015 stating that the account is now in collections and on my credit report. There a few issues going on here : 1. ) the 30 days stating in XXXX XXXX XXXX 's ( XXXX XXXX XXXX ) letter had not expired, 2. ) Crossings at XXXX ( XXXX XXXX XXXX ) never gave me a opportunity to dispute the balance and/or pay before sending me to collections ; 3. ) The Collection Company-Hunter Warfield did n't offer me an opportunity to dispute/validate this debt either ; 4. ) Finally, the collection company did n't verify with XXXX ( XXXX XXXX XXXX ) that this was a valid collection debt ... 
I want this filed as complaint against this company considering I have already filed several complaints with corporate office about the ill practices of their XXXX, AL office ( XXXX XXXX XXXX ) located at XXXX XXXX XXXX, XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 2016-09-08 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: First Associates Loan Servicing LLC
State: NY

Complaint narrative:
I was pressured and rushed into getting a private loan through XXXX XXXX rather than being given several options or time to seek out other loans. I am now stuck with a High interest loan with a high payment that I can not afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Duncan Solutions, lnc.
State: IL

Complaint narrative:
Debt amounts are not accurate when attempting to make payment. Further ; agency will not allow me to make a payment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: KY

Complaint narrative:
I was in a trial plan which I successfully completed and was offered a permanent modification which I did accept. I filled out all the documentation exactly the way the lender wanted it and had it notarized. I sent the packet back to the lender and that is when things started falling apart. First they said they could not approve the document because I signed my signature wrong on the paperwork. ( I signed it exactly as it was typed on the paperwork ) The lender said that I should have used my middle initial but the documents did not have my middle initial on the signature line. I saw this as an excuse to delay the modification. Then they said that they did not see the whole notary seal. It was embossed on the original paperwork so I am still not understanding what they need. ( A seal is not a requirement in the XXXX of Kentucky ) The scary part is that they would not accept my payments, I did not want to lose my modification so I ended up mailing the XXXX payment and it did finally post to my account on XXXX XXXX, 2015. We have done everything they asked us to do, we completed the trial phase and filled out the permanent documents and returned them in the correct amount of time. Now, it seems like they are nitpicking any excuse not to finalize the documents and during this time they are still adding late fees and drive by fees to keep us further delinquent our account. we were also given the opportunity to take advantage of their incentive program which we have every intention of taking advantage of but with how they keep us delinquent and late it could possibly kick us out of the incentive program.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: AR

Complaint narrative:
Foreclosure began on my home in XXXX XXXX. As a result of the work related injury, I ultimately lost my job. The foreclosure on my previous home is due to lack of income stemming from this injury and divorce. I no longer live at this address and I have been employed at the same job for over 3 years now. I received XXXX foreclosure settlement checks dated XXXX/XXXX/XXXX. However, as of XXXX XXXX, almost 5 years later, the lender continues to report my loan 180 days past due with full balance owed. This is a detriment to my credit and I am having difficulty obtaining any type of financing on my own.

Company response to consumer: Closed
Consumer complaint received 2016-09-12 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Having the same problems with Ocwen loan company that I filled the complaint 1 1/2 years ago. We are going on year 3 with this problem. We had a modification in XXXX of 2013 that was approved, signed and notarized by us. We made the first XXXX payments and they stopped taken the payments. The sent us a new bill with a different amount and I call XXXX the company that has the title for our loan and the company that gave us the modification. They said that Ocwen was just behind and it should be fixed in a couple months. I waited and Ocwen told me that they made a MISTAKE. This mistake has cost me so much money because are credit if awful. After the last complaint I filed they told me they would take it off are credit back to when the loan was signed, but they will not give us a new loan. I receive bills for both amounts but can and will not pay either until I have a really loan that is signed by us, not something they just made up. I have hired a lawyer, and he is having the hardest time to get any help for us. I do n't know what to do but file a lawsuit against them. My husband and my credit is awful and we bought a car a year ago and it has affected what we pay for that loan. HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
To Whom It May Concern, We have a MIP on our mortgage. We are at an estimated 68 % loan to value. I have asked M & T bank several times for it to be removed and it has not been done. I am estimating that we have reached the necessary 78 % 10 months ago. Our mortgage is in excellent standing, never late and additional principle payments. The last time I requested for the MIP to be removed I received a letter stating that it would be removed when my loan has reached an unpaid balance of {$500000.00} my unpaid balance is {$480000.00}. 
My desired resolution is to remove the MIP and be reimbursed for the months that I should not have been paying. 
Thank you in advance for your help. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: HW Holding, Inc
State: VA

Complaint narrative:
We are trying to set up payment arrangements and the company Hunter warfield Inc., stating they wo n't give me any prof if I 'm making payments that it would hair sit on my credit no receipt number or anything.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Indicated committed crime not paying
Company: Revenue Recovery Corporation
State: ND

Complaint narrative:
I have disputed this account and have no verification of this debt. I am unaware of any outstanding medical bills that I owe this company. I have always had Medicaid as an Insurance provider. If I had any bills Medicaid would 've paid them. It is also against the law to bill someone who 's insured with Medicaid for any out of pocket expenses.

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 2015-12-10 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Cooper Hoffman Klein Associates
State: MI

Complaint narrative:
I 'm receiving multiple calls from an Debt collector claiming to be from Cooper, Hoffman, and Kline - XXXX XXXX. They have called me several times at my job with numerous threats to prosecute me due to fraud. When I called them back to verify their company name, address, etc. they were extremely rude and short. They are calling my cell phone, employer, and family members. Although I 've included this extension, they are calling me from multiple extension and different phone numbers

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
In XXXX I had authorized Ocwen to automatically deduct from my XXXX account the amount of my mortgage on a monthly bases. through out XXXX Ocwen was deducting my mortgage from my bank account. In XXXX of XXXX I had to file for Ch.XXXX Bankruptcy but continued to pay my mortgage. Then in XXXX of XXXX, Ocwen stopped taking my mortgage from my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
Thank you for allowing me the opportunity to address the derogatory credit with Ocwen Loan Servicing. This situation is a result of very unfortunate and unforeseen circumstances beyond my control. 
I purchased with the purpose of an investment property. Unfortunately, it is located in a Zone A area, with a high potential of flooding. In XXXX, during Hurricane XXXX, the property sustained substantial damage, in which the space was no longer safe to rent, and the tenants had to move out. When I brought the insurance adjuster over to inspect the house, I found out that the property was vandalized and burglarized, with all of the heating and water pipes removed, windows broken, etc. while vacant. At that time, the insurance company refused to pay any claims. While I was able to obtain different insurance coverage, I was forced to finance the repairs out of pocket. 
While slowly repairing the damages from Hurricane XXXX and the burglary, XXXX XXXX XXXX devastated the area, and the home sustained even more damages than during Hurricane XXXX. All repairs ceased and I had to start from the beginning. Like many homeowners at that time, I then had to fight with my insurance company to cover incurred damages. Unfortunately, the property was not covered by FEMA because it was not my primary residence. Although working with the insurance companies took a great deal of time, I was successful and was able to begin repairs. 
Throughout this time I have been in constant communication with the bank and had all intentions of rectifying the mortgage arrears once the repairs were completed. The series of events slowed down the process and made it almost impossible for me to be able to catch up. Unfortunately, since XXXX XXXX XXXX, the location of the property is considered severely depressed and unable to sell for anything close to the original purchasing price. I have been left with no choice but to sell the property for less. My attorney has been in negotiations with the bank to resolve this issue on my behalf. We have made some progress, as the smaller second mortgage was closed and discharged in XXXX. In the meantime I have been receiving letters from the bank and the attorneys representing them. Some of these letters have been quite confusing. The most recent correspondence, for example, states that the house will be auctioned at the XXXX County courthouse on " XXXX XXXX, XXXX. '' I have attached the most recent notice of sale that was sent. The next steps are unclear to me, as the dates on this document have already passed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-27 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
Hello, I am asking the Consumer Financial Protection Bureau for assistance with reference to my mortgage/home loan. 
I am a victim of predatory lending and now my home is in jeopardy of Foreclosure. I am trying to resolved this matter with the current loan servicer, Ocwen Loan Servicing LLC, and XXXX Solutions. 
I have made multiple attempts to secure an affordable mortgage payment based on my outstanding loan value which exceeds the current value of my home. 
Due to multiple service handlers, lack of proper communication, XXXX servicer inconsistencies, excessive fees and other circumstances, which has forced me into this position of mortgage/loan arrears. 
As a consumer, i feel that my rights have been violated and I am seeking some assistance with this matter. 
Attached is a full letter explaining the details of my complaint. Thanks for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NM

Complaint narrative:
My mortgage was with ocwen. I go to pay my monthly payment it says I ca n't. I call Ocwen they tell me they sold my mortgage to XXXX. No one ever bothered to even notify me. I call XXXX and ca n't get through to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
On XXXX XXXX 2016 I sent in my monthly payment for XXXX 2016 in the amount of {$3400.00}. Ocwen received that payment on XXXX XXXX 2016 at XXXX. In the form of check # XXXX which breaks down as follows : ( 1 ) {$1100.00} for the regular monthly mortgage payment, and ( 2 ) A extra {$2300.00} to be applied to the principal. I had clearly stated this as you can see on my monthly mortgage coupon and at the bottom of my check. Ocwen failed again to apply my funds correctly. Ocwen applied ALL of my check to only the principal and nothing to the monthly mortgage payment. Since they did this my account still shows that I owe a payment for XXXX 2016. This is not correct. I am a month ahead on my mortgage payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Centron Services
State: OR

Complaint narrative:
I was told I was on a payment plan, theres about XXXX or XXXX of thiese medical charges., but I have been XXXX all my life, currently pending SSI, alot of these debts are over XXXX years old and I have no income to pay it back starting back passed 2011 which is under law have to be removed from my credit history

Company response to consumer: Closed with explanation