vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: NJ

Complaint narrative:
I completed a modification application with Caliber home loans and was denied a regular mortgage and was offered an Interest only for 5 years at 5.125 %. Because I believed this was my only option I signed the agreement and continued to make payments after my completion of a 3 month trial. I checked on line after 2 months because I never received any information from Caliber since by signing I was suppose to be taken out of foreclosure and I notice the last payment posted was from XXXX which was the end of my trial period and no mention of the funds I sent since I signed and sent the agreement. 
Caliber was accepting my money and failed to acknowledge they did not receive the agreement, yet cashed the checks. I am now forced to sign and have a notary sign the agreement again. If I did not call I would have been paying and believed I was out of foreclosure and they would have continued and I would be evicted and homeless. I was never notified the reason for the interest only payments only given different reasons from the various people who answer the phone when I called. I was told if I declined the agreement I would need to complete another modification, however, it would have the same information, my funds would be kept because of the back money owed and nothing would be applied to the principle until those funds are paid.Another person said I could appeal and did not tell me the appeal process. I find their behavior unacceptable. 
Caliber home loan took my money and did not acknowledge they did not receive the agreement for almost 3 months, then when I complained threaten me with completing the agreement or they will continued the foreclosure. My account is not being service properly, my questions are not being answered by people who have the authority I always receive a different answer. I am being judged on my pass inability to pay my debts and not on my Current behavior to rectify my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings
State: CO

Complaint narrative:
I paid taxes for amount of balance difference for 2014 federal tax income. Issue should not be on my report any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: NY

Complaint narrative:
Caliber Home Loans has engaged in the prohibited pattern and practice of XXXX Foreclosures. The new and old lenders have colluded and conspired to do a XXXX Foreclosure. Caliber Home Loans is effectively acting as servicing arm for XXXX, a private equity vehicle packaging up XXXX of dollars worth of troubled mortgages. XXXX has packaged lots of funds, but the most recent significant ones are XXXX XXXX Master Participation Trust and XXXX XXXX Master Participation Trust. Based upon the information that I 've gathered, it appears XXXX sold its interest to XXXX Master Participation Trust while the loan was subject to a foreclosure lawsuit originated by XXXX. Instead of discontinuing the lawsuit, or substituting XXXX Master Trust as a plaintiff, XXXX has continued the Foreclose lawsuit under the representation that it is the owner of the loan without notifying the court that the ownership has changed. 
On XXXX XXXX, XXXX, XXXX was [ n ] ot licensed or registered to operate in the State of New York according to the New York State of Department of Financial Services ( DFS ). XXXX is claiming to be the owner and holder of the note and mortgage on XXXX XXXX, XXXX. No documentary proof exists showing XXXX was actually the owner and holder of the note and mortgage at the same time. Caliber Home Laons stated that XXXX was the previous servicer of the loan. This is not true and patently false. ( emphasis added ) XXXX was never yhe previous servicer of the loan. 
XXXX. ( " XXXX '' ) is a Delaware corporation and an affiliate of XXXX XXXX XXXX with headquarters at XXXX office in New York. XXXX was the sponsor of the XXXX transactions described in this Order. As sponsor, XXXX purchased mortgage loans from originators and sold them to depositors for resale to the XXXX trusts. 
On XXXX XXXX, XXXX, the Securities and Exchange Commission ( " Commission '' ) issued an Order Instituting Cease-and-Desist Proceedings Pursuant to Section 8A of the Securities Act of XXXX and Section 21C of the Securities Exchange Act of XXXX, Making Findings, and Imposing a Cease-and-Desist Order ( " Order '' ) against XXXX ( " XXXX '' ), XXXX., XXXX, XXXX, and XXXX ( collectively, " XXXX XXXX '' or " Respondents '' ). 
In the Order, the Commission found that the Respondents engaged in misconduct including misrepresentations or omissions in the offer or sale of residential mortgage backed securities ( " XXXX '' ) relating to two undisclosed business practices that violated Sections 17 ( a ) ( 2 ) and ( 3 ) of the Securities Act of XXXX ( the " Securities Act '' ). 15 U.S.C. 77q ( a ) ( 2 ) and ( 3 ). 
Caliber Home Loans has also violated PART 1024 -- REAL ESTATE SETTLEMENT PROCEDURES ACT ( REGULATION X ) Subpart C -- Mortgage Servicing XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Bailey Automotive Finance Inc.
State: SC

Complaint narrative:
Case number-XXXX.Thank you for taking the time investigate my current situation. Sure I have been late, so when I paid on XXXX/XXXX/2016 and I pay bi-weekly. I made a payment of one payment and as soon as I finished paying that payment. I get a phone call, not from their business number but from that personal cellphone to ask me why did n't I make two payments. To me I would think they use this tactic to get me to answer a call. So why did n't the person that took payment ask or tell me that. Their business ethics is far from professional. They are just money hungry. They also called me to say that my insurance had cancelled, when I just paid my insurance company on XX/XX/XXXX and the payment was due on XX/XX/XXXX, so I had to take time from job call the insurance and they advised me my insurance is up to date and not due again until XX/XX/XXXX and they did n't even contact the loan company to say the insurance was cancelled. I wish for them to Cease & Desist calls from them until this matter is resolved, but would like a record of my payment history after each payment mailed my address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-05-16 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
Ocwen Servicing LLC is attempting to steal my home. my name is XXXX XXXX XXXX,. They filed an assignment to XXXX BY NOMINEE on my home @ XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX using Document XXXX filed XXXX. 

I have been paying Ocwen since XXXX and Ive come to find out that they do not have a valid assignment, a right to payment, they have committed farud by unsing my personal information without authority. I have not entered into any valid agreement with OCWEN not its bank XXXX trustee for Popular XXXX or XXXX. I have since rescinded my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc.
State: IL

Complaint narrative:
I AM NOT ENTIRELY SURE WHO THESE PEOPLE ARE AND WHY THEY KEEP CALLING ME ALL THE TIME. I HAVE NEVER BEEN BEHIND ON ANY OF MY ACCOUNTS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
I emailed a copy of the XXXX agreement to Ocwen on XXXX XXXX, XXXX. Also after emailing the document, I MAILED ( the same day ) the original signed document and a CHECK for the amount of the XXXX XXXX, XXXX Payment. The check still has n't cleared and also I received another request for the signed document, almost 2 weeks after I mailed it. I have now UPLOADED the document directly the page, but I do n't want to make the payment online because last time I did that, they cashed the check I sent ( said they did n't have ) the VERY NEXT DAY and double hit my account, causing other items to bounce. 

I feel like this is some kind of game they play with modifications so they can deny them. This is my second modification with Ocwen because they said the same XXXX the first time. Even though I made ALL the trial payments, I never mailed the signed contract in. You can go back through my history of complaints and see that we have been through this before. I provided all the documents and they still made up go back through this process again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
My mortgage servicer is charging me {$1000.00} in what is called " other fees '' on my mortgage statement. I do not and should not owe these fees, nor do I know what these fees are in regards to.

Company response to consumer: Closed
Consumer complaint received 2017-01-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: HW Holding, Inc
State: TX

Complaint narrative:
This debt showed up about an apartment I had over 2 years ago. When I called the company to ask for details they said this was for services rendered like trash removal and spraying for cat pee. This was a XXXX sq foot apartment. Even if it was full of stuff ( which it was not ) it could n't be that much. I did not have a cat in the apartment. When I ask why no communication was sent to me at my new apartment ( the apartment had new address as part of move out pw ) they said everything was sent to the address of my old apartment they were showing a debt for. I ask for paperwork proving this is my debt and I have yet to receive anything from them. I have done everything I can do to resolve it in good faith. This is just wrong. I was never given anything about this charge and now I cant get it off my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 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: HW Holding, Inc
State: MD

Complaint narrative:
In XXXX XXXX, I had a landlord and tenant issue with XXXX XXXX XXXX XXXX due to a Rodent infested apartment that management refused to resolve the problem. I secured a lawyer and placed the rent in escrow at the courts in XXXXXXXX and I sued XXXX XXXX XXXX aka XXXX XXXX, XXXX 

With assistance of my Lawyer the management of the apartment complex settled the case without going to court. The matter was settled out of court with a cash settlement. 

There are XXXX buildings within the property. Of which each building had different building names. XXXX of which is the XXXX XXXX where I lived the apt number was XXXX. 

Approximately 4 months ago, I received a letter from a Collection Agency Hunter Warfield XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX stating that I owed a debt in the amount of {$2100.00} with a Collection Account # XXXX. 

I immediately contacted this collection agency and informed them that this collection Agency that this debt to a creditor by the name of XXXX does not and did not belong to me. 

Also, I followed up by forwarding a certified Cease and Desist letter to this collection agency HUNTER WARFIELD. 

On Wed, XXXX XXXX, XXXX, I received an email from my credit monitor that Hunter Warfield Collection reported this Debt that does not belong to me in all XXXX Credit Bureaus. This negative information has been damaging and affected my credit score negatively Even though, I have contacted this Collection Agency and informed them that this is NOT my debt, they continued to report this debt to my credit report. 

This debt that does not belong to me was maliciously listed on my credit report by this Collection Agency Hunter Warfield. I am in the process of being interviewed for a Security Clearance and this negative and malicious information will impact my employment. 

I AM SUBMITTING A COMPLAINT TO THE FTC, BECAUSE HUNTER WARFIELD HAVE VIOLATED MY CONSUMER RIGHTS. 

PLEASE ACCEPT THIS AS MY FORMAL COMPLAINT AGAINST HUNTER WARFIELD..

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
I was de-escrowed in XXXX 2014. I chose to pay my taxes and insurance on my own due to previous problems with Ocwen. I paid my homeowners when it was due. Even though my escrow was closed and had a XXXX bal they paid it too. They show a negative balance in my escrow for the payment they made. The insurance company refunded them their payment and they have not credited it to my account to remove the negative balance. Faxed them the info several times they refuse to understand and have raised myinterest and principal payment to get their XXXX back and they already got it back from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: HW Holding, Inc
State: TX

Complaint narrative:
I used to live at XXXX place at XXXX gave them notice no time also asked them to walk throw the apartment apartment manager told me every thing is ok but after 3 month i got phone call from HUNTER WAR FIELD telling me i owe XXXX which is not true call apartment corporate office talk to corporate office told me if i paid this amount she is going to pull out from collection as soon as convocation end on XXXX, XXXX, 2017 paid this full amount now its show on my credit report collection on my XXXX and XXXX report. Apartment office never send me any bill but without knowing send to the collection.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: North Dakota Housing Finance Agency
State: ND

Complaint narrative:
I am so devastated and so very disappointed with my mortgage company " North Dakota Housing Finance Agency " I was unemployed for 9 months trying to figure out a way to keep from losing my home. I was told by them there was nothing they could do because I had no Income. I was on-line checking daily for different programs that could help me. Every time I found one I would call NDHFA to see if it would work. but every time it was " they did n't predicate in that program, or my loan was n't through that program. Mean while they had started the foreclosure on my home. When I was served I called they attorney on the summons and was told I had p I needed to respond to summons. I asked how do I do that. He then said because I had called that was a responds. I then asked what do I need to do so I can stop this, I was told I had plenty of time but to basically come up with the past due amount. The only thing ND Housing Finance Agency Offered me was a repayment plan XXXX a month which I had a job in XXXX 2016 but that was all I was making, so they extended it to 12 months and it was XXXX but I still could n't afford that. Mean while I find out my loan is through the XXXX which means if I default on my loan, XXXX will pay the private financier for the loan. Then because no-one else was at the Sheriff Action for my home the ND Housing Finance Agency bought it for XXXX and telling me I need to pay XXXX by this Friday XXXX XXXX 2016 before XXXX XXXX. The North Dakota Redemption Laws : Title XXXX chapter XXXX / Title XXXX chapter XXXX / Title XXXX chapter XXXX It states I would have to reimburse the purchaser ( the person or entity who bought the home at the foreclosure sale ) for the full price paid paid at sale, plus interest. I 'm not trying to get out of paying for my home I would just like something that could work for both of us. Like the Forbearance Program and remove up front hurdles to make it easier for unemployed homeowners. The Mortgage Forgiveness Debt Relief Act, Helping Families Save Their Home 's Act The Real Estate Settlement Procedures Act. 
Please Help Me Save My Home!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
Ocwen continues to deny our application for modification due to " Investor and Loan owner do not authorize modifications ''. No further detail as to why the investor and loan owner will not allow modifications.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
This can also serve as another notice of intent to file suit. Ocwen financial ignored a federal bankruptcy judges order and charged/collected interest on payments that were behind. Interest was collected first out of payments before any being applied to principal. We were presented payment records that are incomplete and can not be used for forensic review. Company is trying to collect money discharged in chapter XXXX bankruptcy by foreclosing on our home. Ocwen presented a robo signed document from Florida as a transfer to them. The loan has gone from Option One to American home servicing to homeward bound back to Option One and now Ocwen without being legally transfered. They refuse to provide our original loan documents or give name and address of actual lender. Ocwen has violated the truth in lending act, fair debt collection act, respa and h.o.e.p.a. at the least. Interest went from 11 % to 14.43 % on the morning of closing.As first time home buyers we were unaware this was illegal. Ocwen charged interest and bogus fees that were not allowed under the chapter XXXX federal bankruptcy order. This company has been sued to many times to count for the same actions. I plan to file suit in federal court to force Ocwen to abide by the judges orders and for damages from their illegal acts and hope to find as many others in Pa. as I can to join.Hope to get a class action suit besides federal court for our own mortgage. Ocwen as a history of violating consumer protection and real estate laws at will. This can be evidenced by the many class action and private law suits brought against them. Ocwen makes it 's profit by scamming people with charges and fees that are against all real estate laws and protections for consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
In XXXX I approached another lending company to refinance my mortgage from Ocwen to XXXX XXXX XXXX XXXX. Unfortunately due to my loan to value I was unable to refinance my balloon out from under Ocwen. I was referred to XXXX XXXX XXXX XXXX XXXX to gain some assistance in a possible modification program. I completed the paperwork on time, as requested by Ocwen and received the trail plan program information shortly thereafter. The trail plan program required that I make XXXX monthly payments of {$300.00}. As recommended by Ocwen, those payments were wired every month on time. After the XXXX payment was made I received the modification agreement and a new maturity date of 20 years with a payment due of {$300.00} every month. The modification program has been in place since XXXX XXXX. Every month I wire my payment on time for the exact amount as state in the modification agreement. In XXXX XXXX, I received my XXXX past due notice stating that I owed Ocwen {$1000.00}. I immediately got on the phone and after being placed on hold for a while we were told they would have to call back, but they were looking into it. We were never called back. The XXXX time we called we got a supervisor who was able to determine that something had went wrong in the modification process on their end and funds were charged to the loan in error and my payment was held in unapplied. XXXX XXXX, a supervisor with Ocwen, assured me they would have the problem fixed and I would receive no more letters. Unfortunately that was not the case. I have still continued to receive letters stating my loan is past due and could result in my home being taken from me. Every time I call I get the same answer, we are so sorry this has happened, but no one seems to be doing anything to resolve it other than offer an apology. To make matters worse, they reported my mortgage late in XXXX and XXXX on my credit report. I have never had a late payment on my mortgage since I financed the property since XXXX. Now my credit is damaged for no reason. I hate to file a complaint, but this is getting very frustrating and I hate the thought of Ocwen doing this to other people. Please help me get this problem resolved with Ocwen. I refuse to spend anymore of my time holding on the phone while someone looks into a problem that no one at Ocwen seems to care to fix.

Company response to consumer: Closed