vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: NY

Complaint narrative:
My mortgage was with XXXX and was supposed to include escrow. However at the time of signing no escrow was included and I was advised that the will add the escrow after we signed the documents. Well that did not happen and I contacted the person who closed the loan and was told he no longer worked with them but they can look into to it and get back to me. Well that did not happen and the branch ended up closing and nobody could help me. Needless to say I fell on hard times and my home went into foreclosure with XXXX a lock was placed on my front door and I was unable to gain access to my home. I contacted XXXX and they informed me that it was pulled out of foreclosure so I asked for the key and gained access to my house. At that time they told me I was responsible for the taxes on the property and I said okay. They then sold my mortgage to Caliber Home Loans who would only do a interest only payment modification for 5 years which and the balance on my mortgage is more that the house is worth. I had to take that option or lose my house. I have not missed one payment. I then receive a bill for my XXXX payment for XXXX which is XXXX more than my payment was. Come to find out it is because XXXX never paid the taxes when they had it in foreclosure and it was just added to my mortgage. I can not afford this. The balance on my mortgage is more than my house is worth. I need a modification that will lower my payment for the life of the mortgage not just interest for 5 years. It will put me back in the same position I was.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
Case number : XXXX This information in regards to this case number ; i have disputed the information and obtained new information about the company with desist and refrain orders out of California.

Company response to consumer: Closed
Consumer complaint received 2017-02-10 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Called outside of 8am-9pm
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
They call all day long even after XXXX. The call while I 'm in class and I 've been kicked out of class several times because they call back to back and it disrupts my class! They all weekend as well!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: RI

Complaint narrative:
We hold a mortgage with Ocwen since XX/XX/XXXX. Our insurance payment is part of our escrow and was due on XX/XX/XXXX. The payment was not made to our Homeowners Insurance company by the due date. I have received a notice from my Insurance company informing me of the missed payment. While on hold to speak to someone at Ocwen for over XXXX minutes, I set up an online account and looked at the history. On the website for Ocwen, it shows a payment made to the insurance company but they did not pay them even though it shows paid through XX/XX/XXXX. Once I finally got an agent on the phone, she could see our escrow account, see that my insurance company was set up and correct, and that the payment just was n't made. The insurance agent at Ocwen tells me that the way my loan was set up it was set up to pay the escrow for taxes only and not insurance - even though they had all the insurance information! This is unacceptable for a mortgage company who handles escrow accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: NJ

Complaint narrative:
Hi, Please refer to my previous case # XXXX. Caliber Home Loans is delinquent with my taxes once again. If this company can not pay my taxes on time, I would like my escrow refunded to me and I will pay the taxes. I am sick and tired of their excuses which leave me to believe they are using my money for something else. According to my township, they are receiving notices. Please advise what the next steps are.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: NC

Complaint narrative:
I inherited the house upon my grandmother 's death in XXXX XXXX. At the time of my grandmother 's death I was only working a part time job with XXXX. Whereby, I did n't have the monthly income to keep the account current. Since I began handling the estate of my grandmother, I have had XXXX periods of unemployment which was from XXXX XXXX until XXXX XXXX and again from XXXX XXXX until XXXX XXXX. I now have sufficient employment. whereby, I can now afford the monthly mortgage payment. But, I do not have the money to pay {$9000.00} towards a total past due amount of {$12000.00} in order to start a repayment plan. The servicer is stating that the DTI ratio shows I have the ability to pay the mortgage. But, the servicer is n't taking into account how the mortgage got behind along with my ability to pay towards a large past due mortgage balance. The CFPB Rules state that a client inheriting a home should be able to have the loan modified into their name with reasonable terms which the present offer is n't reasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: USI Solutions Inc.
State: LA

Complaint narrative:
I XXXX XXXX XXXX XXXX, XXXX would like to file a complaint against this debt collecting company called USI Solutions they are aggressively trying to pursue me to pay a loan that I have never in my life seen or received a check for .there number is XXXX this is some fraudulent loan and I 'm not paying for a loan I do not owe.University XXXX I have never attened a online school this is some type of Identity fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-07 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: CO

Complaint narrative:
Caliber Home Loans has increased my Mother 's monthly mortgage payment by increasing the escrow by {$300.00} though the Home Owners insurance is at a maximum and the Property tax has not increased. This is not legal to my understanding because the escrow only includes funds for mortgage insurance and funds to pay the property tax. 

Caliber also never stated what the percentage rate increase would be, after the five years my Mother was supposed to pay {$1100.00}. My Mother has no paper work that indicates what the mortgage payment will be after the modification period ends ; Caliber Home Loans has increased my Mother 's XXXX monthly mortgage payment by increasing the escrow by {$300.00}. The monthly mortgage payment is now {$1400.00}, what will it be after the modification ends? 

Caliber home really wants to take possession of my Mother 's home ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Alorica Inc.
State: TX

Complaint narrative:
A collections company called Global Revenue Solutions calls me multiple times a day. I have asked them to remove my number because they are calling my cell number, but they refuse to do so and continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
I became delinquent with my condo association dues and in order to catch up a settlement stipulation was proposed and accepted. Approximately 6 months later the attorney who I was sending payments to was fired by my home owners association. At this time the balance owed was approximately XXXX dollars. The new attorney fees brought the balance up to approximately XXXX dollars. I was approved for a short sale by the mortgage company but received an estoppel letter from the home owners assoc attorney, demanding XXXX. After the sale was stopped the attorney demanded the XXXX in full ( even though i was making payments on the settlement stipulation ) or threatened foreclosure. They did foreclose and the association bought my condo at auction for XXXX dollars. Now the mortgage company is auing the homeowners assoc and me. 
In spite of the fact that I had received a modification on my mortgage and was current I believe my homeowners assoc and thier attorneys strong armed me out of my condo. 
I am niw looking at probably having to file bankruptcy due to their actions. Any assistance you can provide will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Alorica Inc.
State: ID

Complaint narrative:
West Asset Management has continued to call my place of employment. I have requested them not to call me at work but, they continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Caliber Home Loans, Inc.
State: PA

Complaint narrative:
Caliber Home Loans has serviced my home mortgage since 2007 when XXXX XXXX extended a {$160000.00} loan at 7.62500 % interest while a {$81000.00} lien was on the property. Monthly mortgage payments are {$1500.00} with {$920.00} toward interest, {$200.00} toward principal. This agreement was made when my credit score was XXXX ; it has now increased to XXXX and I seek a better interest rate. 
The XXXX XXXX agreement ( XXXX ) was executed in 2007 with a {$81000.00} lien on record from XXXX XXXX XXXX ( XXXX ). Today XXXX is no longer in business and no one can remove the lien. I 'm not being billed for the {$81000.00} but the recorded lien wo n't go away. 
Caliber Home Loans has offered a {$150000.00} loan at 3.99 % over 30 years with the {$81000.00} lien still on the property, I requested a 20 year quote ( for 10 years of payments made ) and the process has stalled - XXXX XXXX ( XXXX # XXXX ) said the {$20000.00} loss on tax return XXXX unit property was problematic, he requested my wife 's financial information although she is not listed on the property or the loan, it was sent XXXX XXXX. My retirement income, 4 year history as XXXX, wife 's employment income and investment portfolio clearly supports liquidity, profitability, and solvency i.e. on ongoing good credit risk esp. at a reduced interest rate. The balance of the current mortgage is {$140000.00}, the {$8000.00} difference is Caliber 's refinance costs yet the transaction is entirely internal. 
XXXX XXXX ( XXXX # XXXX ) stated the computer system was down XXXX XXXX and he 'd call back once online, he never did. My calls have been unanswered. 
This process has taken too long with questionable actions. I want Caliber Home Loans to remove the {$81000.00} lien and I want a 20 year mortgage refinance rate ( less than 4 % ) reflective of my XXXX credit score and history of timely payments to Caliber Home Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
Reference complaint XXXX in which XXXX attempted to collect a debt from me. XXXX is now attempting to collect a debt with a similar balance and referencing the same paypal credit account # XXXX. COMENITY CAPITAL BANK continues send this information to collection agencies to attempt to collect this debt which I do not owe and have no knowledge regarding.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: NY

Complaint narrative:
I filed for bankruptcy in XXXX of 2014. My case was discharged by the courts in XXXX of 2014. My mortgage company Caliber Home Loans refuses to lift the hold on my account stating that they never received an " abandonment of property '' document. This is issued before the case is discharged by the trustee but once the case is discharged that paper means nothing.They will not send me statements or allow me any internet access to my account. I have never missed a payment. They charge me XXXX dollars to make a payment on the phone so I have been paying via bill pay at my bank. I dont know if my escrow is being paid or my insurance. The amount of my payments changed and I was never notified. There is mony in an account of unapplied funds that they wont apply it to my account. I feel like they are trying to make me default on my loan which they bought from my original mortgage company. Help please!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: TN

Complaint narrative:
I am working with Caliber mortgage to rescind the property foreclosure sale on my home. They did make me a offer to reinstate the mortgage if I paid XXXX XX/XX/2017. 
I requested a mortgage modification though the making Home Affordable Act and they are refusing to modify my mortgage loan I do want to keep my home. I had a previous mortgage modification and Caliber mortgage did n't honor the modification agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
We had a mortgage with XXXX and had difficulty paying due to daughters accident, and they offered us to apply for a modification from a phone representative, and said we pre qualified and we sent in all required documentation. And we were advised not to make payments on the file. Around XX/XX/XXXX we called to check status and they advised we were denied, but never got written confirmation, so we contacted an attorney, since they started the foreclosure process. We set up a mediation and attended and come to find out our loan was sold to Caliber, at this point me and the wife were in a separation of marriage, so she wanted to keep the house, we asked them if she could qualify on her own for a modification. She sent in all the required documentation again. This was around XX/XX/XXXX. Up to this point today our attorney still has n't received any written confirmation from the bank, and per law we should have received an acknowledgement letter within a few days confirming such. All she wants to do is keep the house under a modified payment that could be reasonable to her budget. I know some banks even process or approve a Principal Reduction type of modification as well to assist homeowners keep their house. Failing to acknowledge in writing is a direct violation of CFPB regulations. I am writing for assistance for her to keep this home with an affordable monthly payment

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: NY

Complaint narrative:
I " XXXX XXXX '' along with the help of my XXXX housing counselor applied for a loan modification for my property " XXXX XXXX XXXX XXXX XXXX NY XXXX loan # XXXX " with Caliber Home Loans. We submitted a the loan mod packet on XXXX/XXXX/2016 via fax. As of XXXX Caliber informed us they has a complete packet and it was sent to underwriting on XXXX/XXXX/2016. We followed up via phone every week after that to make sure the underwriter would not need additional docs. My housing counselor and I spoke with an agent on XXXX/XXXX/2016 and we were told packet was complete no additional docs needed, We spoke with Caliber on XXXX/XXXX/16 with XXXX teller XXXX and we were told loan still in review and no additional docs needed. Finally on XXXX/XXXX/16 30 days after it was sent to underwriting Caliber requested an updated bank statement for borrower which we then sent via fax on XXXX/XXXX/16. We called on XXXX XXXX, 2016 and we were told that bank statement received and that now it was sent to underwriting and we have to wait another 30 days for a decision. We explained that Caliber can not add an additional 30 days to decision process since the underwriter had a complete file for 30 days and only in the last minute the underwriter decided to now ask for a bank statement witch we sent within 48 hours of the initial request, Caliber just kept repeating the same thing " just wait another 30 days '' My housing counselor asked to speak with a manager and spoke with XXXX teller id # XXXX and she said she was a manger and that she would e-mail the underwriting department and underwriting supervisor to make sure they make a decision and are being compliant with underwriting guidelines, she then told us to call back tomorrow and we would have a better idea of when a decision will be made. We called the next day and spoke to XXXX teller id XXXX and we were told that file was in underwriting and wait additional 30 days. My housing counselor explained the conversation we had with a previous manager XXXX the day before and then we were was told that XXXX is not a manager so she basically misrepresented herself on the call the day before. We were then transferred to another person who told us he was a manger XXXX teller id # XXXX, My housing counselor had to explain the whole ordeal to him and he basically said just " wait another 30 days ''. XXXX did not care that underwriting had a complete packet for 30 days and just wanted us to get off the phone. This is why I am filing a complaint against Caliber Loans in regards to my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
So I owe about XXXX in federal loans I have been off of work for over 2 years got pregnant and was placed on bed rest because I carry my babies pretty low. Then I called Niviant witch is the company that handles my loan to get on an agreement but thay only offered me one way out and that was to pay {$590.00} for a year and reapply for the same program every year because im out of work I dont have {$590.00} to pay them I asked if there was any other option but unfortunately thay couldnt help me any further so now im place on default. Ive been calling different places to get some answers my school ( XXXX ) closed down due to fraud and I thought my student loans could be forgiving but because my school closed after I graduated I didnt qualify for forgiveness either. Im out of options is there anyway I can get some type of help for people struggling on paying there loans? Thank you so much for your time. 
XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: VW Credit
State: CA

Complaint narrative:
On XXXX XXXX, 2015 Volkswagen sold me a XXXX Volkswagen Jetta " Clean Diesel '' for {$24000.00}. This vehicle was sold using fraudulent inducement by Volkswagen - the car contained a emissions testing defeat device and violates Unites States and California laws for vehicle emissions. Volkswagen has admitted to cheating on emissions tests and intentionally installing the defeat device. 
My car purchase was financed by Volkswagen Credit, also known as " VW Credit '', which is a wholly owned subsidiary of Volkswagen Group of America. The vehicle sales contract was based on fraudulent inducement and the sales contract should be rescinded. I have sought formal rescission of the contract through legal means. I have contacted VW credit and requested that loan payments for the vehicle be suspended until resolution regarding the sales contract is obtained. The VW Credit representative I spoke to denied any request for suspension of loan payments and threatened to report me to the credit bureaus for any late or missed payments. VW credit offered no other means of resolution despite holding a car loan contract based on fraudulent actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
ocwen refuse to give us a modification. they foreclosure. sale date XXXX/XXXX/2015. 
we were approve for a short sale on XXXX/XXXX/2015. and Ocwen file foreclosure sale date of XXXX/XXXX/2015. they refuse to cancel the sale date and refuse to work with us on our modification/ we do not want to lose our home because we have no where to go. 
we need your help to stop the sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HW Holding, Inc
State: FL

Complaint narrative:
I have asked Hunter Warfield to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 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: OH

Complaint narrative:
Hunter Warfield is trying to collect on a debt from an apartment complex where I used to live in Georgia. I do n't know what this collection amount is specifically. I have not received any verification or breakdown of this amount from Hunter Warfield or the apartment complex so I ca n't verify if any of the amount is correct or legitimate. In addition, they have never sent a notice of a right to dispute, they just started calling me and then entered it as a collection matter on my credit report for XXXX, XXXX and XXXX. I sent them a letter ( attached ) requesting verification. It has been thirty days and I still have not received verification of this debt. I want this collection item removed from my credit reports immediately.

Company response to consumer: Closed with explanation