vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: OH

Complaint narrative:
Today I received a letter from Convergent Outsourcing, trying to collect money for a debt I paid off and had removed from my credit report years ago. When I called, I told the representative that the debt had been paid and that the statute of limitations had passed regardless. I asked for a supervisor and a fax number to send proof of payment and I was hung up on. This happened three more times, along with threats of arresting me and a court case pending. The debt was owed originally to XXXX, who I called to ensure I did n't owe anything further, which was confirmed. To be treated snidely and threatened even if I still owed would be inexcusable, but this is just plain XXXX and I ca n't imagine how many people have actually been bamboozled by these people. Please do something about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14 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:
My true and lawful Attorney-in-Fact XXXX ( hereinafter " XXXX '' ) contacted CALIBER HOME LOANS, INC., and spoke to XXXX, SUPERVISOR, TELLER ID. NO. XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX on Tuesday, XXXX XXXX, 2016. XXXX promised XXXX that SHE will contact XXXX on Wednesday, XXXX XXXX, 2016. SHE never called. Shane on HER. When XXXX did contact CALIBER HOME LOANS, INC., to follow-up with XXXX, XXXX, CUSTOMER SERVICE AGENT, TELLER ID. NO. XXXX, and XXXX, CUSTOMER SERVICE AGENT, TELLER ID. NO. XXXX gave XXXX the run around and the worst part of it all is XXXX not only refused to have a SUPERVISOR come on the line when XXXX requested for it, but she put XXXX on hold for over 40 minutes, never coming back on the line once to check in with XXXX within that 40 minutes, and then XXXX had the audacity to hang up the phone after keeping FTLC holding for a SUPERVISOR for over 40 minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I have sent two requests to Navient to remove my cosigner. They tell me that I have to show proof of graduation from college. I have repeatedly told them I am not returning to school, nor am I finishing my degree. They then tell me I have to have proof of my citizenship. I told them they can check my citizenship with my social security number. They say that my forms are n't signed or filled out properly, but they did not specify which copy. I have sent two requests almost three months apart. They also did not answer my first request which was sent via regular mail. They did not answer my second request until I emailed the advocate center and demanded an answer. I simply would like my cosigner removed. He is XXXX years old and I have paid twelve months of payments on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alorica Inc.
State: CA

Complaint narrative:
In 2010, XXXX attempted to collect {$200.00} for an account that was closed for 5 months. In 2010, XXXX closed the collection request accepting that it was their error because I had closed the account and yet they accidentally continued to bill me. The problem is that XXXX confirmed that this was not my fault and paid on time up to their agreement, however, West Asset Management ( XXXX collection agency ), still has me owing money. This is showing up on my credit report still as a negative item.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
I was trying to sell my home to the current renter. He went to Union Bank in XXXX XXXX and submitted a loan application. The loan officers name was XXXX. I am writing this for him as I strongly feel the Bank practiced poor business ethics regarding his need to borrow money in order to purchase a home. I strongly feel this whole case needs to be investigated. I at some point tried to help by contacting supervisors and then a director in XXXX, XXXX, over the loan department. His response was very poor at that.. and at one point a supervisor, XXXX called me to tell me the loan had been approved and 2 weeks or more went by with only promises to my renter they would have docs soon and call him back. Well they never did. He was forced to move out because of their poor business practice. Kept telling him for at least a month the loan docs were coming. They told him everything was approved.. told me too ... They did try to charge him {$500.00} for filling out a loan application. Charged him for loan appraisals too. 

PLease investigate this whole file.. Union Bank Has disgracefully performed!! 
This man had a shot at buying a home for his family and Union Bank Shattered that dream.. did not act in good faith.. drug out the process causing him to loose his opportunity. I feel they lied about what they were doing on more than one occasion thus becoming a very unreputable lending Bank. Practicing poor business ethics at best.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: VA

Complaint narrative:
I submitted a request for home loan modification from Caliber Home Loans on XXXX XXXX, 2015. Caliber send a letter dated XXXX XXXX, 2015 that they received our package and is considered complete and ready for review. They sent a decision letter dated XXXX XXXX, 2015 denying our case, but their denial reason does not make sense. Our income did not allow us to afford our mortgage for the reason stated on our hardship letter, but it was recently increased in XXXX 2015, now our servicer Caliber, stated that because this income increase we can afford our mortgage payments, but did not consider the fact that we can not afford to bring the {$66000.00} default, please help us to obtain a reasonable and common sense review of our request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 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: ERC
State: LA

Complaint narrative:
I recently received a notification from a credit monitoring site I utilize that new information was added to my credit report. Upon further investigation I noticed some discrepancies being reported by a collection agency called Enhanced Recovery Company. There was an amount and open date change for this previously disputed account, which from my understanding is called " reaging '' and is illegal according to the FCRA. Enhanced Recovery Company added a new collection account to my credit for a previously disputed and removed account with XXXX XXXX. This account was resold and is now being reported by Enhanced Recovery Company incorrectly and without any proper validation. I have enclosed photos of the previous and current information being reported by these collection agencies. I would like to have this account reviewed and removed from my credit report immediately due to inaccuracies and illegal practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
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: FL

Complaint narrative:
A family member passed away and in order to keep the house I assumed the mortgage from their spouse through a formal " mortgage assumption '' provided by Caliber Home Loans. After approval of the mortgage assumption, the closing process was completed XX/XX/XXXX. My family has since moved into the house. During the closing process the loan officer at Caliber went on vacation. One week after closing I began to reach out to Caliber every few days via email and phone to get a method of payment such as a statement or login and also to confirm the transfer of ownership was complete. Several weeks later I was told the former loan officer was no longer with the company and that the file is being reviewed. Caliber Home Loans has NOT contacted me with a timeline or any communication to resolve the situation. The mortgage is now over 30 days past due because they refuse to acknowledge and provide the transfer of ownership. As a result, my family is not associated with the account and they are not accepting payment. A VP at Caliber even contacted the ex-owner about having a negative balance. Caliber Home Loans wo n't refund the escrow or provide the lien release to the ex-owner despite the assumption process and closing taking place. This is causing an incredible amount of stress on everyone. If Caliber does n't resolve this now, it could negatively affect the credit of both the ex-owner and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: OR

Complaint narrative:
# 1 - OCWEN continually wrongly asserts that I am behind in my payments. We entered into a Loan Modification Agreement XX/XX/XXXX. I made all trial payments ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) well ahead of time. I even have mediation documentation signed by an attorney representing OCWEN stating that I had made all trial payments. I have documentation of payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX. By all accounts, I have overpaid by XXXX XXXX dollars. Yet, I am receiving notifications of being XXXX months behind in payments. All along, getting charged additional interest, late fees, and possibly reporting bad credit. 

# 2 - OCWEN inexplicably cancelled an automatic payment plan before it even started. On XX/XX/XXXX, I set up automatic payments to begin XX/XX/XXXX ( I have documentation ). When the payment did not come out of my bank account, I called OCWEN on XX/XX/XXXX to see why not. They said that the plan expired XX/XX/XXXX ... even though it never started ... and they had no explanation as to why. It is this type of operation that gets people in trouble with them. So, since my payment did not make it to OCWEN by XX/XX/XXXX, they now have charged me an additional {$19.00} to make the payment over the phone. 

# 3 - I requested that OCWEN perform a research investigation into my account XXXX days ago. They have yet to acknowledge the request ... let alone the results. 

I now believe that this is all intentional and predatory in nature.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: KY

Complaint narrative:
Ocwen Loan servicing is reporting totally different info to all XXXX credit reporting agencies. They are trying to say we missed 2 payments to XXXX but are on time, saying we missed 12 payments to XXXX but on time. My wife and I sent our mortgage payments to them with XXXX separate checks. Usually {$600.00} out of my account and the remainder out of my wifes account. What they did with the money from my wifes account we have no idea, but they are trying to say we were only sending partial payments. We have all of the proof. Since doing a loan modification loan with them back in XX/XX/2016, they REALLY have it XXXX. They were holding our payments in a suspense account for months, saying we were late, then applying a lump sum to the mortgage. We then received another loan mod kit wanting us to apply for another, saying they messed up on the first one and forgot to add some money in there somewhere and made us sign a new one which raised our mortgage payment from {$580.00} back to {$780.00} which is more than it was before we even did the 1st modification loan! They have been sued for XXXX dollars for the exact same thing. They are causing XXXX on myself and my wife because they have our credit scores so XXXX. They fixed it at one point with XXXX and my score went up to a XXXX. Within a week XXXX was showing the 12 payments missed and my score went back down to the low XXXX. They are very confused and most of this is coming from the loan modifications. I know its the law they have to provide the exact same info to all credit reporting agencies as I have spoke to the attorney generals office as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
Union Bank closed a business savings account without advanced notice or warning, subsequently issue a cashiers check ( without request for signature or confirmed receipt ). They indicated it was mailed on XXXX XXXX, 2016 and has not arrived. They can not confirm whether it was returned or delivered. They are holding our money hostage without any recourse. However, if we request a replacement check they have to wait up to 90 days for the replacement check. Meanwhile they are holding our money hostage. This is for a business and critical backup fund. While we are not a large company it is enough to make a difference.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I have disputed this and demand legal verification. this is on my credit report and I disagree.

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

Complaint narrative:
received loan modification and was asked to pay money up front. I paid it. Have n't missed a payment. It comes directly from my bank. Mortgage company keep sending letters stating that my monthly payment is behind. Also my note has increases from XXXX dollars to XXXX dollars to XXXX dollars per month. Interest is now XXXX percent. Initially offered modification with interest at XXXX percent and monthly payment of XXXX dollars. Bought house for XXXX dollars about XXXX years ago but now owe XXXX dollars. XXXX companies were involved : XXXX, XXXX and now Caliber Home Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: California Business Bureau, Inc.
State: TX

Complaint narrative:
I called, faxed and sent certified mail to the XXXX Business Bureau asking for the items listed below. They have not validated my debt in any way. 

- The name and address of the original creditor- The original date of default or non-payment of the debt with original creditor- The date the debt was transferred from the original creditor to the third party debt collector- The original balance- The current balance- Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) - XXXX Surety bond information as required by Sec. 392.101- Contract signed with XXXX to prove they are acting legally for another company They have not supplied this information. They have called me a liar and told me they are not giving anything to me because they do n't have to. After not validating my debt they are now lying about their true nature to avoid giving proper proof of their XXXX Surety bond information required by Sec. 392.101 of the XXXX Finance Code. In a previous claim response with the CFPB ( Case number : XXXX ). They stated " We are aware we do not to be bonded in XXXX since we do n't do collection activity. '' They are in fact a collections agency. I am attaching proof of my certified letters and proof that they do collect debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: CURO Intermediate Holdings
State: AZ

Complaint narrative:
I was on XXXX looking at my credit score and I seen a report for an auto loan that I did not apply for but yet it is on my report and damaging my credit. please help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Pendrick Capital Partners Holding, LLC
State: FL

Complaint narrative:
I paid off a collection item on XX/XX/XXXX. The payment was made online to XXXX. I then received 2 phone calls from Affiliate Asset Solutions , LLC, one on XX/XX/2016 and one after XX/XX/2016 for the same debt. I faxed and emailed them the receipt as proof on XX/XX/2016. I received a letter from this company asking for payment. Letter is dated XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PlusFour, Inc
State: NV

Complaint narrative:
The debt was pay in Full on XXXX satament from my bank can be submit .. that paymennt was made it and never reported

Company response to consumer: Closed
Consumer complaint received 2017-02-21 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: USI Solutions Inc.
State: PA

Complaint narrative:
I have been receiving calls for a few years now about a " loan '' that I took out. No one will provide me in the mail with any information, other than this case is now in " legal ''. Incredibly aggressive tactics, AND the story, most notably the date of when this loan was taken out has changed numerous times, depending on what company calls. Most dates seem to be in the XXXX to XXXX range, however, I am given an address that I have n't lived at since XXXX and an employer name I have n't worked at since XXXX and a XXXX ( I have never banked at XXXX ) This new company seems to have my current address and made an insinuation that I am " hiding '' something when I refused to provide the last XXXX of my SSN or Verify my address. I do n't know this company and I do not owe ANYONE any money, so I am a little bit nervous about sharing personal information over the phone to someone aggressive, ESPECIALLY when internet searches of this company reveal some pretty bad information, including their previous name of XXXX, who was seemingly sued multiple times for poor debt collection practices. They have also called my wife on her cell phone. I just want this to stop, I am not paying anyone, anything. I get up, go to work everyday, have good credit, and am a good person, I just wish these people would actually go and make an honest days living, instead of this. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: NJ

Complaint narrative:
Filed Chapter XXXX bankruptcy on XXXX XXXX, 2016, this information is readily available on my credit report, through subscription services, and public record. Whether or not a debt is dischargeable or not, it is a requirement that all creditors abide by the " automatic stay '' instituted by the United States Bankruptcy Court. This particular collection agency did not follow this rule, nor can they claim ignorance of the filing as the proof of filing is readily available as previously mentioned. In fact, proof exists that the original creditor is listed on the bankruptcy petition. This agency made 11 phone calls and left the same scripted message during the " automatic stay '' provision, from number XXXX, the recordings have been saved. The dates and times are as follows : XXXX/XXXX/16 at XXXX, XXXX/XXXX/16 at XXXX, XXXX/XXXX/16 at XXXX, XXXX/XXXX/16 at XXXX, XXXX/XXXX/16 at XXXX, XXXX/XXXX/16 at XXXX, XXXX/XXXX/16 at XXXX, XXXX/XXXX/16 at XXXX, XXXX/XXXX/16 at XXXX, XXXX/XXXX/16 at XXXX, XXXX/XXXX/16 at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Took out a home equity line of credit with XXXX XXXX in XXXX. In XXXX, XXXX XXXX transferred the servicing of the loan to Ocwen Loan Servicing , LLC . The principal balance of {$0.00} was noted by Ocwen in a letter on XXXX/XXXX/XXXX and the account was closed on XXXX/XXXX/XXXX. I received a letter from them stating that they were drafting a Satisfaction document to send to the county for Lien Release/Satisfaction on XXXX/XXXX/XXXX. To this date this has never been done. Ocwen is telling me that they have not received all necessary documents from XXXX XXXX to complete the process and XXXX XXXX claims they do n't know what Ocwen is talking about. And I still have a lien on my house!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
They did n't pay my insurance out of escrow and my insurance was canceled. They then said they would take care of it and it would not cost me more than what the other policy was. They then, without my knowledge purchased and payed for out of my account, a new policy XXXX times the cost of the original.

Company response to consumer: Closed with explanation