vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-23 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XX/XX/XXXXCredit Report Confirmation # XXXX dispute is with the negative entry by Bank of America XXXX BOA XXXX. 

When making the telephone call to cancel ( close out ) my BOA credit card I told the woman I talked with that I wanted to sever all contact with BOA. She replied in the affermative that it would be done. Then said that in the event that a charge should appear I want it disregarded and no charge for insufficient funds as my account was closed. She had to talk with her supervisor about this. After this consultation she told me that it was okay. No further activity on my account would occur. I am absolutely positive about this conversation. Am not so sure about the following. 

Sometime thereafter I received a charge from BOA. Believe the charge was for insufficient funds. Believe that I called BOA and told them of the arrangement concerning my account closing. I may have received an additional bill by mail but did not receive any more invoices. 

I assumed that everything had been settled with BOA until I was turned down for a credit card with XXXX XXXX Bank. Got a credit report and found the negative entry from BOA. Before cancelling my BOA credit card I had previously cancelled ( closed XXXX my bank account. This account was closed because they made errors, one very significant. The branch manager could not believe how badly they had messed up! Now they made another error and they are making me pay ( with a bad credit file ) for another oftheir mistakes! 

How long are recordings of conversations with banks kept? My credit file indicates that the problem probably started in XX/XX/XXXX. So my initial tel conversation with BOA probably occurred a max of XXXX months prior. So the voracity of what I said should not be too difficult to confirm. 

Many thanks for your investigation of this matter. I have long been a fan of the CFPB since XXXX XXXX initiated it. XXXX further impressed with XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
I have called and tried to lower my payments or find ways to help me because I wanted to try and make payments. Their concern was about pay due owed and if they did offer to help I had to pay something which I did n't have.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Cooper Hoffman Klein Associates
State: TX

Complaint narrative:
This was a payday loan from nearly 5 years ago where I lapsed in payment because I had to XXXX due to an unrelated reason. I am being threatened to be taken to court for the amount of {$1400.00} plus attorney and legal fees, the amount of which is more than the loan amount was originally. They are calling me and representing themselves as an attorney 's office by name of Cooper, Hoffman, Klein & Associates. Please let me know my legal rights and if they are a legitimate group as I can not find them listed. I can not afford to pay the amount they are asking. They call under ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: First Associates Loan Servicing LLC
State: SC

Complaint narrative:
I was a student at XXXX XXXX XXXX from XXXX of XXXX to XXXX XXXX. A school official applied for a Peaks Student Loan ( Private ) in my name providing an e signed loan application for {$21000.00}. The loan was obtained for the school period of XXXX XXXX to XXXX XXXX, a period for which I was not enrolled ( documentation provide by the school registrar ). I had no knowledge of the loan until learning that I had been turned over to a collection agency about a year ago. When I requested debt validation, the debt collection agency XXXX XXXX XXXX XXXX XXXX was only able to provide a copy of the loan application with no transcripts or master promissory note. All attempts to resolve have proven unsuccessful. With fraud report ( police ) and verification none of the partied involved will accept responsibility or liability for the actions of whomever applied for this loan. I have spoken to XXXX Bank the loan servicer, XXXX XXXX XXXX ( the current collections ), and a representative of XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX reported to me after submitting the requested documents ( certified ) via phone conversation that my case was " special '' and had been referred back to XXXX Bank. The representative from XXXX further advised me that XXXX Bank was not bound by any regulations to respond in a timely manner " they could take as long as they want '' but they " XXXX XXXX XXXX '' would continue to report to bureaus. All have parties have been provided with documentation as well as XXXX. Despite the preponderance of evidence of fraud, they continue to report, refuse to update/remove, and will not offer resolution to matter.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I was approved for a trial modification starting XX/XX/2016 to XX/XX/2016. After that Ocwen promised to send a final modification and it never came. When I called they had sent to a different address even though I told them to send to my home address. Now when I call, only XXXX Ocwen answers and I can not get anyone in US Ocwen to answer. Please help I made all three payments they should 've provided me the modification to my house now they are foreclosing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
I filed bankruptcy several years ago, which was dismissed in XXXX of 2014. I have since waited for Ocwen Mortgage to get my paperwork straighten out since they purchased my mortgage from XXXX. However they have just now 18 months later sent me paper fork saying that my payments are past due and that I owe them a lot of extra money. and that I have made XXXX payments in one day. I want a detailed explanation of increases in escrow and past due amounts also an stop in any other proceeding until they can explain what is happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Requested a payoff quote from Ocwen loan servicing. The document had almost {$22000.00} in XXXX fees, bill padding and unnecessary charges. 
EXAMPLE ; {$440.00} for " Mailing fees '' EXAMPLE ; " Foreclosure fee '', " Foreclosure expense '', " Foreclosure cost '' EXAMPLE ; " {$7800.00} for 'legal filing service ' '' Calls to the company have been met with stall tactics and refusals to provide information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
I closed on my new home on XXXX/XXXX/2015. I was informed at the closing myrate was 4.1 %, this was not the APR. Just last week I received a " temporary '' coupon from Caliber Home Loans, no amount to be paid, very little information. 
Today, I received a more official payment request, but again NO APR % rateon the form. When I called Caliber, they did not know what I was asking forand basically disconnected the call. I believe the APR rate should be includedon all documents relating to this mortgage. Why is the company being sosecretive about this number. Do n't I have a right to know?

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

Complaint narrative:
OCWEN Loan Servicing , LLC ( " OCWEN '' ) was given written notice of demand for a Beneficiary Statement pursuant to Cal. Civil Code 2943 ( a ) ( 1 ), ( 2 ) ( A ). Such notice was received by the Company by certified mail on or about XXXX XXXX, 2015 and was signed for by Company agent/employee. OCWEN has failed to comply with the beneficiary statement request. 
The full text of my complaints are in the attqached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax has fail to send me my report with results that I have been disputing containing wrong information since XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-11 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Southwest Credit Systems, L.P.
State: OH

Complaint narrative:
SW CREDIT SYSTEMS L.P. # XXXXI have a a unverified account from. I had previously disputed this account. I have never done business with SW CREDIT SYSTEMS L.P.. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt SW CREDIT SYSTEMS L.P. purport I owe. I request that SW CREDIT SYSTEMS L.P. Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that SW CREDIT SYSTEMS L.P. Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: VW Credit
State: FL

Complaint narrative:
On XXXX XXXX, 2016 I went to XXXX XXXX and negotiated a lease for a XXXX XXXX. I signed the contract with them, they delivered the car and assigned the contract to VW Credit XXXX, XXXX On XXXX XXXX the dealer contact me asking more information, which I provided to them. Latter they contact me again because they want to change the contract, but I do not want to change it. I need to pay the first installment and VW Credit do not have me in their system, so I am not able to do it. I contact them and they referred me to the dealer who is harassing me with calls and mails because they want to change the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am being repeatedly called by Comenity Bank over a credit card that I am currently paying off. I am being called multiple times a day and they always call from an unknown number and only identify themselves as Comenity Bank after I answer. As of today I have been called 4 times. Once every 2 hours from an unknown number. When they call I sternly say this is harassment and before I can say anything else they hang up. They have gone so far as to call me after XXXX and on sundays.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Prospect Mortgage, LLC
State: NY

Complaint narrative:
I obtained a XXXX Mortgage from Prospect Mortgage in XXXX thatincluded 3 months of mortgage payments. Prospect transferred my loanto XXXX who did not apply those payments so that when I made mypayment in XX/XX/XXXX they returned the payment saying I wasin default for not paying the first 3 months. I called Prospect and was toldthey no longer service my loan and referred me back to XXXX. I wentback and forth like that until I hired an attorney to assist me in XX/XX/XXXXto see if I could get a Making The Home Affordable Modification. Aftermy attorney did research it was found out that XXXX failed to applymy 3 month payment that was sent to them from Prospect Mortgage andthus made it seem like I did not make the first 4 contractual paymentsunder FHA. As the loan was a gut rehab XXXX loan with $ XXXX towardsthe work to be completed I could not live in the home until the house wasat least habitable ( with working toilet, kitchen and bedroom ). Prospectdue to XXXX 's negligence in handling my payments was informed ofthe forced delinquency and then refused to pay my contractors. So Ithen had to come out of pocket to pay them for the work they had done. 
XXXX stated they could n't give me a Modification because they didn'tfind evidence of my first 4 contractual payments which would have beenthe case had they appropriately applied my 3 month mortgage escrowand my XX/XX/XXXX payment which they returned. When evidence of thenegligence on XXXX 's part was presented their next argument wasthat I did n't live in the home. Which did not have any working plumbingnor was habitable due to their incorrect classification of me as a delinquentborrower. Prospect Mortgage has not released any money since XX/XX/XXXXfor work repairs. I need to have my home complete before the end of yearas I need to put in my boiler for the winter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: PA

Complaint narrative:
XXXX XXXX placed this account with this law firm after my attempts to negotiate a long term payoff plan at lower interest failed. This was explained to this firm, however they just sued me in XXXX court for this unsecured debt without notice. Never sent certified mail or anything to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Alorica Inc.
State: TX

Complaint narrative:
West Asset Management puts a collection on my credit report that does not belong to me. I called the number shown on my credit report which is XXXX. After waiting for awhile, someone picked up and told me they do not have my account. They told me to call this number XXXX. I called that number and waited for another while, someone picked up and said that account belongs to medical department and I need to call the medical dept. number XXXX. I then called the medical dept. and waited for awhile and someone picked up and told me that they already sent my account to some other company and I need to call them at XXXX. I called the other company with that number and they told me that they do not have my account. I need to call back West Asset Management at XXXX. Since I already contacted West Asset Management, I do n't know what else I can do in order to remove wrong collection on my credit report. 
The West Asset Management account number is : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Caliber Home Loans, Inc.
State: NC

Complaint narrative:
My loan was transferred/sold from XXXX Mortgage of North Carolina ( Account # XXXX ) on XXXX XXXX, 2013 to XXXX Master Participation Trust ( Caliber Home Loans account # XXXX ). I Ca n't seem to get Caliber to send me the paperwork ( transfer/sale ) documents for this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Fitzgerald Goldman & Associates, Inc.
State: WI

Complaint narrative:
They say they are from Fitzgerald and associates XXXX. They will not tell me what it about just that i owe money. They refuse to create paper trail or provide information. They will not provide me anything in writing. They threatened to take my car away. They called me on my cell phone at XXXX on XXXX. They called me at work on XXXX and i asked them not to call me here. They called again on XXXX i asked them not to call me again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08 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: ResidentCollect, Inc.
State: TX

Complaint narrative:
This company called Resident collect or resident check, says that I owe them money for an apartmetn I never lived in. They are still on my credit report and this is a four year old debt!! The statute of limitations on debt for residents of the State of Texas is four ( 4 ) years. In Texas, this refers to oral agreements, written contracts ( car loans, installment loans ), promissory notes and open accounts ( such as credit card credit lines ). I have never paid them, and when I dispute on my credit report, they have never reportieda change as far ast speaking with themthis from XX/XX/XXXXRESIDENT COLLECT INC # XXXX XXXX FWYSUITE XXXX, TX XXXX XXXX XXXX ) XXXX for Collection : XXXX : Individual AccountAccount Type : Open AccountLoan Type : COLLECTION AGENCY/ATTORNEY Balance : $ XXXX Updated : XXXX Payment Made : XXXX Amount : $ XXXX Creditor : APARTMENT XXXX XXXX XXXX ( Rental/Leasing ) Past Due : & gt ; {$1900.00} & lt ; Pay Status : & gt ; In Collection & lt ; Remarks : ACCT INFO DISPUTED BY CONSUMR ; & gt ; PLACED FOR COLLECTION & lt ; Estimated month and year that this item will be removed : XXXX of XX/XX/XXXXRESIDENTCOLLECT INC XXXX {$1900.00} as XXXX Collection account. {$1900.00} pastdue as of XX/XX/XXXX. 
In XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX identification XXXX creditorAPARTMENT-XXXX XXXX MonthsOn record untilMay XXXX limit ororiginal amount $ XXXX balance $ XXXX payment $ XXXX payment $ XXXX of XXXX reportedXXXX/XXXXResponsibilityIndividualCommentAccount information disputed by consumer ( Meetsrequirement of the Fair Credit Reporting Act ). 
Your StatementI HAVE NO KNOWLEDGE OF THIS ACCOUNT. 
Reinvestigation informationThis item was updated from our processing of yourdispute in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XXXX2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Caliber Home Loans, Inc.
State: PA

Complaint narrative:
I contacted Caliber Home Loans last week & asked them to send me a copy of my original mortgage note. Upon my 1st call on XXXX/XXXX/16, I was told that it would take a month to be received. I spoke to my legal council, was told that I was provided false information, & encouraged to call them to escalate the concern. By XXXX/XXXX/16, I had a manager on the phone who tried telling me the same month time frame, but I shared with her the statues & laws they were breaking by not providing me a copy of my mortgage note upon my immediate request. Notes were then made on my account that I would finally receive my mortgage note by tonight ( XXXX/XXXX/16 ). Needless to say, I still did n't receive my info & as such, I escalated my concern with Caliber to XXXX, badge number XXXX, & was told that " no one '' knew why I did n't have my mortgage note by now. He then told me that I could have it faxed to me & in reply I said that the manager from last week told me that Caliber COULD N'T send me a fax -- another company contradiction. XXXX could n't provide an explanation for this & he has yet to send me a fax copy of my mortgage note. 

Caliber Home Loans ' inability to provide me a mortgage note in a timely manner, per their advisements, is negatively impacting my ability to do a refinance on my home. And if I am not able to complete my refinance as scheduled, I intent on holding Caliber responsible, legally & monetarily, to the fullest extent that local, state, & federal laws will allow.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: CA

Complaint narrative:
received a letter from weltman, Weinberg and reis co, lpa saying they are collecting a debt of XXXX dollars for a company called California check cashing. I have never used this type of business and I have no outstanding collections. I have good credit and pay 100 % of the time. I think this is a scam and I do n't know if I should throw the letter away or not.

Company response to consumer: Closed with explanation