vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-11 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
I HAVE HAD HEALTH ISSUES SINCE XX/XX/XXXX. I GOT OUT OF XXXX. I WAS TAKEN TO XXXX XXXX XXXX IN XXXX, CO. I UNDER WENT XXXX. WAS DISMISSED, THEN WENT FOR ANOTHER CHECK-UP BECAUSE HAD BEEN XXXX. THE XXXX TOLD ME THAT I WAS NOT HEALING ON THE INSIDE. SO XX/XX/XXXX I HAD ANOTHER XXXX. MY HUSBAND GOT LAID OFF IN XX/XX/XXXX AND HAS NOT BEEN CALLED BACK. I FELL SO BEHIND ON MY MORTGAGE PAYMENTS THE REASON IS NO INCOME. SO I CALLED XXXX TO LET THEM KNOW WHAT WAS GOING ON THEY SEND ME A LOAN MODIFICATION PACKAGE. I GOT THAT DONE JUST SO THEY COULD TELL ME THEY DO NOT DO MODIFICATIONS. I ASKED IF IT WAS POSSIBLE TO SEND AT LEAST XXXX PAYMENTS THEY SAID NO THAT IT HAD TO BE PAYMENT IN FULL. SO THEY ASSIGNED A CASE MANAGER TO ME XXXX XXXX. THIS IS THE XXXX TIME I HAVE DONE A MODIFICATION AND BEEN TURNED. DOWN. I 'M PRETTY SURE THEY DO MODIFICATIONS. I LOOKED ON LINE AND THEY HAVE THE WORST REVIEWS THAT SCARES ME.I WANT TO KEEP MY HOUSE.THEY HAVE ALREADY PUT A FORECLOSURE ON MY CREDIT REPORTS. I PRAY THAT I GET THE HELP I NEED TO KEEP MY HOUSE. I HAVE REQUESTED A NPV, WATERFALL ANALYSIS AND REQUESTED A ESCALATION FOR MAIN SUPERVISOR HAVE NOT HAD ANY RESPONSE FROM THEM. I HAVE A TEAM OF LAWYERS HELPING ME IN MY SITUATION.ABOUT A WEEK AGO OCWEN CALLED ME TO TELL ME THEY HAVE A SALE DATE FOR XX/XX/XXXX.THEY PUT A FORECLOSURE ON MY CREDIT REPORTS BEFORE I KNEW ABOUT ANY SALE DATE. I THINK THEY SHOULD OF LET ME KNOW BEFORE REPORTING IT TO THE CREDIT BUREAUS. I HOPE I CAN GET SOME HELP. THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
We initiated a short sale file with OCWEN on XXXX/XXXX/15. We submitted a contract to them on XXXX/XXXX/15 requesting the file be reviewed for HAFA, the lender has been reviewing for HAFA since XXXX. We received a counter from them last week stating the value is {$180000.00}, which our offer was at and they said the closing costs needed to be lowered to {$5000.00}. We made this change and submitted the HUD in with the changes. Then today we get a call stating the investor is not approving the offer, even though we are at full appraised value, because we are netting $ XXXX and he wants to net $ XXXX. I responded and stated we would net over that if it was n't for the XXXX lien payout of $ XXXX and the $ XXXX relocation incentive to the seller. Ocwen told us our only option then is to do a traditional short sale. This just seem right if the file qualifies for HAFA and is giving a full appraised value offer but is not meeting a certain net number the bank can make the seller do a non HAFA short sale and receive no relocation incentive. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Operating Partners Co., LLC
State: PR

Complaint narrative:
A Company named Operating partners LLC and XXXX XXXX XXXX XXXX sent me [ XXXX/XXXX/2015 date I received the letter ] to collect a debt for XXXX XXXX XXXX for the amount of XXXX. Following that the same date I proceed to dispute the whole debt i did'nt recognize because does not belong to me and also started a dispute with all credit agencies, because my personal information have been compromised by the information gap that affect the federal agency Customs and border protection regarding all its employees, contractors, retired personnel and candidates for employment and they inform me in writing. I 'm on identity theft and credit monitoring protection program paid by the agency as I said on my letter. After thaht a few weeks later they sent a letter without any date asking for all my personal and sensitive information to allegadelly taking care of my claim of suspected identity theft and started a claim for me. Obviously I did n't gave them my information for my own protection. I proceed to sent them a XXXX letter dated XXXX XXXX 2015 to sent me written verfication of the debt with all the information they have and caliming them that I have asked for this information because I have some questions. I need more information to make an informed decision about your claim, In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute, record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. I used a sample letter from the CFPB website to set my rigths under the FDCPA saying them " Tell me more about this debt. '' They never annswer my letter and sent me any of the information I requested. I called twice and put me on hold and then they hang up. Yesterday I received court papers because they sue me on a district court here in XXXX XXXX and I have to appear in court on XXXX XXXX 2015, also on the court papers they put me as married person and I 've never been married. Now Im starting to filed a fraud alert on my credit report because of this situation and already filed a case with a company named XXXX XXXX ID that monitored my credit and intents of identity theft to protect myself and information and investigate thanks to this program I discover thaht this debt is a credit card because they did n't gave that information either

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
i am filing a complaint against ocwen mortgage servicing llc because of my escrow account calculation are incorrect and they will not correct the issue. I have made serveral attempt to resolve the matter. I have request a complete audit of my escrow account since ocwen has taken over my mortgage account. I have done a calculation of my escrow account. and compared to there analysis. I will attach a copy of my calculation and there original analysis. the original analysis was done on XXXX XXXX 2015 and when I question the analysis the sent a second one XXXX/XXXX/2015 which was even had more errors and double billing and collecting.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-27 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CURO Intermediate Holdings
State: MO

Complaint narrative:
I have an installment loan through Speedy Cash, and they regularly apply payments to my installment loan account several days later than they are drafted out of my account which causes additional interest to accrue on my account. Payments are never withdrawn from my account on the draft date that I have selected and the payments are never applied to my installment loan account on the date the money is drafted out of my account bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Law Office of Harris & Zide
State: AZ

Complaint narrative:
I was sued by XXXX XXXX XXXX for a debt that is well over 7 yrs old and which they kept alive by making small amounts of payments like {$15.00} and reporting that they were made by me and I have asked XXXX XXXX to send me proof of my debt he replied that I would be getting all documents showing my debt. Well I not only never received this documents he never send me a summons for the levy and I did not know until I was checking my balances on line and the bank received the court order on the XXXX of XXXX and on the XXXX of XXXX they were forced to release {$3000.00} in the mean time I was going crazy because I did not know what to do ..I called XXXX XXXX and informed him that these funds were from XXXX and XXXX, XXXX XXXX ask me if I could prove that so I faxed him a copy of my bank statement which shows prove of deposit. He then tell me that they would not take the funds because of the state and federal laws, So he that tell me to call him again on Friday the XXXX and that he was going to have the funds release back to me. Well he never attempted to refund those funds and while he was asking me about an address in California were they thought I was living all corresponded was no doubt going to that house in California he was also not truthful about who I owed this money to because and when this account was open which was back in XX/XX/1998 if its the XXXX I looked up after he told me it was household finance I recall this account and it had been closed out and paid and my credit report will show when it was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: ResidentCollect, Inc.
State: GA

Complaint narrative:
I received a letter in the mail from ResidentCollect Inc. for an account that I did not open with them. I have never given Resident Collect my social security number or address. They contacted me via regular class mail with a letter dated on XXXX XXXX, 2015. This was and is their first letter that they 've ever sent to me. In the letter they stated that unless I notify their office within 30 days after receiving this letter, their office will assume the debt is mine and that they will obtain a copy of a judgment and mail me of it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Caliber Home Loans, Inc.
State: HI

Complaint narrative:
From Friday, XXXX XXXX, 2016 until Friday, XXXX XXXX, 2016, XXXX XXXX XXXX XXXX and Her True and Lawful Attorney-in-Fact XXXX ( hereinafter " XXXX '' ) has made it crystal clear via faxes sent and eighteen phone call conversations with CALIBER HOME LOANS, INC., during the timeline as stated above that XXXX XXXX XXXX has been deceased for approximately three years and eight months, and secondly, the property that CALIBER HOME LOANS, INC., is attempting to attach to CALIBER CONDUIT ACCOUNT NO. XXXX, is not and has never been property that was or is a part of THE ESTATE OF XXXX XXXX XXXX. ( open first " XXXX Attachments. '' ) CALIBER HOME LOANS, INC., was also clearly notified on Monday, XXXX XXXX, 2016, via a " GENERAL POWER OF ATTORNEY '' that no USPS mail or any other mode of mailing shall cease and desist from being shipped to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, but CALIBER HOME LOANS, INC., has now violated the FAIR DEBT COLLECTION PRACTICES ACT twice by shipping USPS mail to mailing address as stated above, instead of following what the GENERAL POWER OF ATTORNEY clearly instructs, which is to mail to XXXX, XXXX XXXX XXXX, c/o XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX. ( open " Fourth Attachment. '' )

Company response to consumer: Closed
Consumer complaint received 2017-03-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
Caliber Mortgage has decided to create their own Bankruptcy Law, when it comes to short sales. Caliber is demanding an approval from the court ( " Motion to Sell '' ) allowing the short sale to take place, and will not give the court any kind of short sale approval terms whatsoever. The BK court will not review a Motion to Sell until they have all approval conditions from the mortgage lender. Caliber has decided that they are above the BK court and are going to create their own rules as to how a short sale works when the borrower is in bankruptcy. What is Caliber trying to hide from the BK court?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: PA

Complaint narrative:
They hold checks for 2-8 weeks before depositing and clearing my bank

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
Toyota Financial sent me included a miscellaneous charge in the amount of {$630.00}. XXXX. They stated that XXXX County ( XXXX XXXX, Texas ) assessed a property tax and that they paid it and passed the amount to me for payment. I requested a detailed accounting of the bill, however Toyota stated that they could not give me any records because of " privacy issues ''. I was instructed to contact the XXXX County Tax Assessors Office. I did so. They informed me that the county assesses a tax on the entire fleet of the leasing company 's yearly rendition and that the Tax Code requires the owner ( Toyota ) to complete the Lessee 's Affidavit of Primarily Non Income Producing Vehicle Use ( Form XXXX ). Toyota now claims that they did not receive a notarized TX affidavit " by the required deadline ''. They do not indicate when the deadline was, who was supposed to file it, and what type of notarized TX affidavit was required in order to be exempt. Further they stated, " Therefore we are required to report the vehicle as business use and no refund will be issued by the county. '' It is my understanding that this tax applies to commercial vehicles only and DOES NOT apply to personal use vehicles. Toyota Financial states that I need to refer to my original lease and that I am liable for payment, even though there appears to be some sort of clerical error on either XXXX County or Toyota. It hardly seems appropriate that I would have to pay a tax on my personal car because it has been erroneously listed for commercial use.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: Fitzgerald Goldman & Associates, Inc.
State: LA

Complaint narrative:
I continue to receive calls from XXXX that will not leave a message but if I pick up the phone it is an automated message stating they have attempted numerous times to reach me with no luck and if I do not respond they will advise their " client '' on further legal action. They provide the number of XXXX to call and give my statement so they can provide back to their client. 

First of all, I have NOT received ANY written correspondence from this so called scam artist business that claims to be " XXXX '' I want this company to stop harassing me when they are obviously a scam debt collection company.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: Bread Financial Holdings, Inc.
State: IA

Complaint narrative:
For my XX/XX/XXXX statement, the minimum payment of {$27.00} was due on XX/XX/2017. On the due date for my payment, I made a return to the store and received a credit for {$42.00}, which is more than minimum amount due. I was still charged a late payment fee even though I had made the payment, in the form a return, by the due date. Comenity Bank has refused to reverse the late payment fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-07 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I am currently enrolled inschool, I was told that I had to begin paying my stident loans last XX/XX/XXXX. I am only making {$XXXX} a year and I can barely afford to stay afloat. I have asked for payments that I could afford they are charging me {$380.00} a month which is the lowest they were willing to go. I am barely living, I have askedd for other alternative, and they state I can pay interest only for {$310.00} a month and then my payments would go up after 18 months to over {$600.00} a year. They are n't taking all my debt into a coun and it is truly causing a financial strain to ake my payments each moth, I just feel that I am all out of options and stuck. Also when I advised of my hardship the rep just pulled my credit report without my knowledge and then just started getiing an attitude with me when I was only trying to work out an arrangement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-18 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
I went into bank to close account upon closing an account I made bank rep aware I had opened another account online. We worked to have payments and outstanding debits taken care of by the open account. A month and a half later the new account and my debit card were no longer active without prior notification to me. After the fact I received a later saying my account was closed due to insufficient funds on the account I went into the bank to close. After working with the original bank rep my account was reopened but no money was returned for those insufficient funds. Debit card also not restored and I have been a customer of this bank for over 20 years.

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
Consumer complaint received 2017-01-30 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
Upon graduating in late XX/XX/XXXX, I entered the workforce working for XXXX in XX/XX/XXXX, right before the market and our economy hit rock bottom. On top of trying to start my career in finance during the worst financial crisis, I was having difficulty making my exorbitant payments with XXXX ( now Navient ). For 2 years, the only option they gave me was to go into forbearance and they continued to roll me into a new forbearance plan every few months ; never giving me an option to lower my payment based on my income. After reading the full complaint and learning of the rules on income based repayment plans that were rolled out in XXXX, I believe I was given bad guidance and now face excessive interest that accrued during the forbearance periods. With this new lawsuit against Navient, I realized I am one of the very people this lawsuit is looking to protect. Please help me understand my rights against this abuse and advise me on the next best steps to take against Navient. After paying my loan timely for years, my original repayment balance of ~ {$60000.00} is still greater than {$76000.00} ; 20 % greater 8 years after graduating. Thank you for your help in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
This is in regards to original credit card XXXX account # XXXX with the amount of or close to {$12000.00} has more than exceeded the California time statue to collect since its been more than ( 6 ) years of no payment, corresponded and or dialogue. I would like that collection agency below contacts XXXX And or other credit agencies to remove this negative Mark from my credit report and or to issue to me a letter on my behalf that THE EXPIRATION OF THE STATUE OF LIMITATIONS LIMITS THEIR ABILITY TO PERSUE LEGAL REMEDIES IN REGARDS TO THIS DEBT. BELOW IS THE COLLECTION AGENCY THAT PERTAINS TO THIS DEBT. 

MIDLAND FUNDING ( their account # XXXX : XXXX, Ca. XXXXPhone : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: NJ

Complaint narrative:
I have declared bankruptcy and Caliber has posted my home for Sherrifs sale twice during this period without requesting relief to do so. Please see the attached letter from my lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: VW Credit

Complaint narrative:
XXXX XXXX my husband XXXX XXXX XXXX XXXX received orders that he was to deploy to XXXX by XXXX XXXX, XXXX. Right after we where notified of the deployment I contacted VWCredit in reference to my lease and to find out steps I need to take since my lease was not to terminate until XXXX XXXX. I spoke to a lease representative and he explained to me the steps I needed to take. I faxed my husband 's orders to them and the next day I received a emailed with a form attached that needed to be filled out by a VW dealership and returned to them 15 days prior to turning the vehicle in. So 15 days prior to us departing we took the form to our local VW dealership and had the form filled out and faxed it to VW credit. On the Friday prior to us leaving for XXXX on our way to visit family for the weekend I received a phone call from VW Credit stating after reviewing the orders they discovered that we did not qualify for the XXXX and would be responsible for the remaining 11 months of payments totaling {$5400.00}. After many phone calls I finally was able to speak to the head of VW Credit leasing department. He sympathized with me but said there was nothing he could do. I explained that I have owned XXXX VW XXXX and have been a valued customer. Also I said if we had been told back in XXXX that we did not qualify for the XXXX we could have sold the car and had no out of pocket expenses since the car was in excellent condition with only XXXX miles on the XXXX lease. Well under the allowed mileage. We ended up turning the car in and it will be sent to auction. We will be responsible for the remaining balance not to exceed the {$5400.00} owed. The head of the leasing department agreed that I had been miss informed and given inaccurate information that ultimately lead to our dilemma. But he could do nothing about it. My brother is part owner of a dealership XXXX and told me that is not true, it is a choice that has been made. I 'm very frustrated by the treatment we received and by the fact that XXXX does not apply to all XXXX XXXX and retired government employees XXXX. My husband gave 21 years to the XXXX and now 11 years XXXX. As a civilian he has XXXX 3 times XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: GA

Complaint narrative:
I made my mortgage payment on the XX/XX/XXXX but the payment was not applied to my account until XX/XX/XXXX

Company response to consumer: Closed with explanation