vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-11 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CURO Intermediate Holdings
State: NV

Complaint narrative:
I took out an installment loan with Rapid cash. I had problems paying back the installment loan and immediately called Rapid Cash to inform them and make lower payment arrangements. Rapid Cash allowed me to make bi weekly payments in the amount of {$50.00} and I paid the loan and interest from {$2500.00} down to {$1600.00}. Each time I went to a rapid Cash store I was told repeatedly I could make the payments over the phone or internet instead of coming in the stores bi-weekly. On XXXX XXXX, XXXX I took the advice of employees at Rapid Cash and went to the Rapid Cash website and entered my husbands visa check card to make the usual {$50.00} payment. The website did n't allow me to enter a payment amount, did n't show me a balance due, it requested the card number only. At this point I called Rapid Cash to ask for help with the website but they said the account was paid in full. Around this same time my husband called to say the checking so accounty was emptied. I alone with an employee from our credit union XXXX XXXX called Rapid Cash and asked them to reverse the {$1600.00} charge. They refused and told me the only thing I could do was return to rapid cash and take out another loan. With no other way to prevent my mortgage payment from a NSF and no way to feed my family for two more weeks I took the advice from the Rapid Cash employee. I asked them to waive any interest because they unlawfully removed monies from our account and they refused. I now re owe rapid cash {$2500.00} from the {$1500.00} loan I was forced to take out. I make a few payments for {$100.00} and now payments of {$50.00} bi weekly again but all the my payments for over 1 year has gone to interest, none to principal. I will pay them until XX/XX/XXXX for the installment loan. I have copies of the installment loan, bank information, receipts, phone numbers employees wrote on receipts suggesting I call in payments, and letters of attempting to resolve this matter with Rapid Cash. My letters and request have been ignored. Any help will be appreciated because I feel things are n't completely legal with the circumstances. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
I did not authorize Comenity Bank to make two attempted withdrawls of 1. XXXX and 2. XXXX from my ersonal bank account without mt consent. They have attempted to take these funds from my personal bank account several times which cause my bank to charge me numerous insufficient fund fees for the last couple of months.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-20 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:
Original creditor is previous landlord ( XXXX XXXX XXXX in XXXX, TX/XXXX XXXX in XXXX, TX ) - has charged us for excessive/fraudulent move out fees ( Deceptive Trade Practice ). We have disputed several times. Account was forwarded to collections agency ResidentCollect. Again, disputed and requested validation via Certified mail within 30 days. ResidentCollect reported to all credit bureaus on XXXX day before legally validating per FDCPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: ME

Complaint narrative:
We have battled with XXXX, for 4 years now. They advised us they had purchased our mortgage in 2012, from another company. Our Loan Modification was already done, with the prior company, we were waiting for the paperwork to sign. 
Now, they can find nothing for paperwork, except theirs. We have been to Court 12 times, each time, Each time, I had all my paperwork in order, they did not. 
At the 11th Hearing, they lawyer for XXXX/Wells Fargo, apologized to the Judge, advising him, she had just received a call, from XXXX. The Modification was going through, everything was in order, including the financials, but it was to late to cancel the hearing. The Judge specifically asked her, if this was settled, the Lawyer responded " Yes Your Honor '' .... The Judge then scheduled a hearing to dismiss in 60 days, after the Modification was signed and in effect, everyone agreed. 
60 days later, all the paperwork was gone, missing information etc, back to Court. 
I had to re-admit everything again. Most of it got there, but I had a XXXX and surgey, at the next hearing, they moved forward with the foreclosure ... .. 
I have done everything required, attended every Hearing, was always ready, with extra copies, of each item they claimed to be missing ... 
Even the Judje said to them, they are deliberately, causing all these delays, which was evident, through their Lawyers Statements, Questioning XXXX XXXX XXXX, who could not answer any of his questions, with a actual fact based answer. His every answer was " I 'M not sure about that your Honor '' after the 3rd same answer, the Judge, denied their request and told them to redo everything immediately. 

I can not keep battling the blatant abuse and blatant lies, from their XXXX Lawyers, which they were caught in every time ... 
We also have requested copies of the Original Loan Documents, to date, they have been unable to locate the document 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: MN

Complaint narrative:
Form XXXX A was filed from Ocwen as an Acquisition or Abandonment of Secured Property. I still occupy the property.

Company response to consumer: Closed
Consumer complaint received 2016-09-08 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
Ocwen Loan Servicing was our mortgage service provider. Our home was foreclosed on in XXXX of XXXX and we moved out of the property shortly thereafter. There was a XXXX mortgage on the property which was NOT discharged with the foreclosure. Even though we do NOT own the property and do NOT live at the property, we continued to pay monthly on this XXXX mortgage. If we did n't pay the XXXX mortgage, our credit would be adversely affected Sometime in XXXX of XXXX, Ocwen mistakenly added an ESCROW charge to this account ( XXXX ). I noticed it when I paid the monthly payment in XXXX. I called Ocwen and spoke with a number of people, none of whom could quite understand what had happened or why, and were not really able to help with this bizarre situation. The issue was sent to a special department for action. 
Of course, the next thing that Ocwen decided to do, was to perform 'property inspections ' and a 'property valuation ', all to the tune of {$380.00}. Since the property was foreclosed on and we no longer own the property, it should certainly not be possible to charge us with property inspection and property valuation fees ; but they have. This is VERY typical of Ocwen and a few other service providers. They make a great deal of 'profit ' in assessing fictitious and, possibly, illegal fees. 
I am asking that Ocwen REMOVE these fees from our account immediately ( {$380.00} ). I have spoken to at least five separate representatives at Ocwen, and all I get are platitudes and promises to fix the situation. It is now over one year and these fees are STILL on the account. Bravo, Ocwen ... you folks are truly the worst of the worst. 
The charges that I expect to be removed from our account are listed below : Property Inspection Fee {$26.00} Property Valuation Expense {$290.00} Certified Mail Cost {$13.00} Late Charge Due {$55.00} ( caused by their 'escrow ' mistake ) TOTAL : {$380.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
In regards to the registered letter I got today : NOTICE OF DEFAULT dated XXXX/XXXX/15. 
My first missed payment was XXXX/XXXX/15. As I am applying for HAMP thru Ocwen since XXXX XXXX, 2015 and I am only 1 month and 22 days late, I am NOT in Default of my loan agreement. I dispute the validity of the debt. Nowhere in my mortgage note does it say you will raise my mortgage payment {$520.00} a month. 

I applied for a RMA request for mortgage Assistance on XXXX XXXX, 2015 when my mortgage went suddenly from {$1200.00} to {$1700.00} a month. I expect to get HAMP and PRA. I am in touch with the department every single week and have been diligent about sending yet more paperwork every week to wrap up this slow process. 

I understand that the making home affordable program was created to help XXXX of homeowners modify their mortgages. As part of this program Ocwen and the Federal Government are working to offer me options to help me stay in my home. However that has not happened yet. On XXXX when I was 1 month and 2 days late on my mortgage I was sent a Deed in lieu and offered {$12000.00} to move out. I was given a 1 day notice as I received this letter on XXXX. I 've expressed that I want to keep my home. The options I 've been offered so far is to get out. 

My mailman told me that an awful lot of people in this neighborhood are receiving registered letters from Ocwen. It sounds like you are trying to do a hostile takeover of the community. In addition why are there XXXX different addresses for Ocwen in this letter in addition to the XXXX different payment addresses?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: AES/PHEAA
State: TX

Complaint narrative:
First, I was given a private loan for {$21000.00} that immediately started accruing interest, even though I was n't going to start making payments on it for at least 4 years. Why on earth is that legal??? 
Second, the bank that issued that loan has since sold it off to American Education Services. I 've been paying this loan for almost 3 years, yet my balance is still higher than the amount I borrowed, AND the principal plus unpaid interest is {$6300.00} less than my current balance. So what exactly do I owe besides principal and unpaid interest? 

Also, since AES has purchased my loan from my bank, my interest rates have increased 4 TIMES IN LESS THAN 1 YEAR! I have all of the documentation needed, if you would like me to provide that.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
Loan Number : XXXX I am a single mother of XXXX children and I 've been struggling every month to make my monthly mortgage payment of approximately {$1800.00}. I have applied many many times over the years, starting in XXXX for the XXXX mortgage modification program. OCWEN representatives emails me the documents, I complete it and faxed everything back and then months later I receive a letter stating they have n't received a tax form or something else did n't go through. So, I quickly refax it and call the customer service line and they tell me they received it. Then I hear nothing back. I keep calling and calling and they tell me they are reviewing my file, and NOTHING. I 'm sitting in limbo and then I 'm told to maybe default on my payment so I can be approved quicker and I WILL NOT DO THAT! I pride myself in making my payments on time although it is critically impact my livelihood and my children 's. 

It 's fraudulent to consistently be left without a decision, when I am clearly qualified for a modification. I have all the letters from OCWEN since XXXX and not one letter has come my way stating that I am not qualified and the reasons as to why I am not. 

I unfortunately am upside down on my home value and can not refinance anywhere although my credit score is outstanding. 

I 'm stuck between a rock and a hard place, I just feel they are trying to pressure me into giving up so they can take my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: FL

Complaint narrative:
Hunter Warfield reported a debt on XXXX/XXXX/XXXX and reported the same debt again on XXXX/XXXX/XXXX to extend the statute of limitations, this is not a new debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: DE

Complaint narrative:
Mtg was transferred and after this was done I was clocked from seeing statements and tax information from the selling mtg company

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Debt collection — Mortgage
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
THIS COMPLAINT FOCUS ON DEBT COLLECTOR OCWEN LOAN SERVICING LLC USE DOCUMENTS MANUFACTURING COMPANY TO PRODUCE FRAUD ASSIGNMENTS OF DEED OF TRUST AROUND THE COUNTRY UNDER THE CONTROL OF default DEBT COLLECTOR LAW FIRM LAW FIRM XXXX using ASSIGNMENTS OF DEED OF TRUST PREPARED BY XXXX, FOR DEBT COLLECTORS OCWEN LOAN SERVICING, DEBT COLLECTOR XXXX LAW FIRM see attached files

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
After getting behind on my XXXX and XXXX mortgage with Ocwen Loan Servicing I agreed to a a deed in lieu of foreclosure to Ocwen and moved out of my house to avoid foreclosure. Since completing the deed in lieu I have continued to receive collection calls and letters from Ocwen and its assigned debt collectors for the XXXX mortgage that I no longer owe. This is harassment and I have met with an attorney to resolve this situation if my complaint with the CFPB does not resolve the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18 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: Allied Collection Services, Inc. (Nevada)
State: PA

Complaint narrative:
We previously had services with XXXX and we were told after we terminated services with them that we still owed {$330.00} for services that had accured after we paid our last bill. These charges were claimed by XXXX after we terminated services, paid our final bill and returned all XXXX equipment. The account number is XXXX. We strongly disagree with what XXXX is trying to do and feel it is unfair. We can not pay this bill due to insurmountable curcustances, and the fact that this bill was presented by error. However, we agreed to pay them anyway as soon as we got our refund gift visa card from XXXX between the end of XXXX to the end of XXXX. They keep harrassing us for the past several weeks with daily phone calls by demanding full payment immediately. We have explained our circumstances to them 2-3 times, yet they keep calling XXXX+ times a day. The number of the collection company, ACSI XXXX collections, is : XXXX. Please stop these harrassing calls!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NV

Complaint narrative:
Today, XXXX XXXX XXXX, I went onto Ocwen Loan Servicing website and found that Ocwen failed to report accurately to the credit bureaus once again. I also found that Ocwen failed to update their system to reflect the correct payment information. Enclosed is a credit history letter, payment history sheet, a credit reporting sheet, a credit history sheet from Ocwen Loan Servicing website and a credit report from Experian dated XXXX XXXX XXXX. As you can see on the credit history letter, Ocwen is reflecting a " XXXX '', that there is no payment history for XXXX XXXX. Please refer to the payment history page. As you can see, Ocwen received our XXXX XXXX payment on XXXX XXXX XXXX. Also, Ocwen failed to report for our XXXX XXXX mortgage payment. Please refer back to the payment history sheet. You can see that we paid Ocwen on XXXX XXXX XXXX for XXXX XXXX mortgage payment. Since Ocwen received our payment in XXXX, why did n't Ocwen report for XXXX XXXX in XXXX? Ocwen Loan Servicing has failed to report accurately in the past and is still continuing to violate our rights. Ocwen keeps stating that once a dispute occurs, Ocwen freezes all credit reporting until the matter is closed. If this is true, why did n't they report accurately for XXXX XXXX a couple months later? Why did Ocwen Loan Servicing own website clearly reflect that there was no payment history available for XXXX XXXX when we did pay Ocwen in advance? This issue must be address and investigated to find out if Ocwen Loan Servicing has violated any State or Federal Laws. Ocwen has ignored our requests, to have Ocwen Loan Servicing report accurately each month and to keep XXXX XXXX in the Ocwen Ombudsman Office from providing any responses to anyone, regarding our mortgage loan. XXXX XXXX has failed to answer our questions in the past and failed to provide documentation as we requested. We will continue to file complaints against Ocwen loan servicing until they comply with our requests!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HW Holding, Inc
State: WA

Complaint narrative:
I rented an apartment at XXXX XXXX XXXX in XXXX WA. They are owned by XXXX XXXX XXXX. Part of our rent was paid by XXXX. Months after we moved out they said we owed back rent because they sent a refund to XXXX. XXXX denies this. ( Part of XXXX ) XXXX also says we could not have moved if we owed rent. XXXX could not produce a copy of the check, the check number or date sent. They had no proof. But continued to try to collect from us. Then they sent it to Hunter Warfield in Florida for collection. I asked for verification and disputed the debt. No verification was provided. I also asked them to stop calling me, a cease communication letter. To date they call me every day. I am sending another letter to get this stopped but they will probably ignore it. They threaten to report it to the credit agencies. Owed rent is not reportable anyway but they will list it as other. Also they have not taken us to court to get a judgement. I said I welcome court because I believe they could not prove their case. They just continue to harass with no proof.

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 monetary relief
Consumer complaint received 2015-03-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
My name and the name of my deceased spouse initially appeared on our mortgage and when he died he did not leave a will and I discovered shortly after his death that my name was not stated on the mortgage with OCWEN. They refuse to give me any information connected to the mortgage and they keep sending me statements stating that I am in arrears of my mortgage and they have stated in writing that my monthly payments are no longer being applied to the mortgage, they are " putting them aside ''. I AM XXXX YEARS OF AGE AND XXXX BEYOND BELIEF!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
This is pursuant to complaint numbers : XXXX & XXXX filed against Ocwen Servicing, LLC and, complaint Number : XXXX, filed against XXXX. 
Despite the fact that my mortgage loan servicer, Ocwen Loan Servicing , LLC, was paid in full for that mortgage on that Florida home, on XXXX/XXXX/2015 by wire transfer pursuant to the Payoff quotes which they validated in writing and good till XXXX/XXXX/2015, I am the recipient of another Alert from CREDITSECURE which notes that Ocwen Loan Servicing , LLC entered a negative comment into my credit report, while at the same the paid off mortgage loan amount {$170000.00} still remains in effect with XXXX. 
Does this reflect an all-out-war by Ocwen for the fact that I have contested their abuses with the Consumer Financial Portection Bureau? And what was the basis for that mortgage loan to have ever been transferred to Ocwen Loan Servicing , LLC which happens to be a debt collector and which also appears to be affiliated with XXXX bank? The loan is paid for in full even with addtional interest payments and therefore Ocwen is obligated to remove it from the credit bureaus, along with the negative entries which it has also reported. Ocwen 's behavior along with the credit bureaus it is aligned with are abusing the consumers with impunity and they should be penalized for such actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 00:00:00
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Ocwen Financial Corporation
State: HI

Complaint narrative:
Ocwen, for over a year, stated that I was not eligible for a loan modification because my property " is being marketed for sale '' after foreclosure. This was false. In Hawaii, the Court must approve any sale, and this has not happened, although a Summary Judgment was granted. When Ocwen reversed this statement, I applied for modification, for the fifth time. As of XXXX XXXX, 2015, I had complied with all conditions. ( see attached ) Then, Ocwen demanded a final condition on XXXX XXXX, 2015 : a deed from a co-borrower. I complied. ( see attached ) No modification has been received. In fact, we have yet to be denied. We have satisfied all conditions. We have been deemed eligible. Ocwen now says we must resubmit. Several of the letters received were given only after our attorney called Ocwen to ask for them. Then, they were dated a month before, yet never sent to us. Ocwen 's attorney now wants to confirm the sale of our home, because we are not " under review. '' We are getting the runaround all over again. And we have back-dated letters, claimed to have been sent to us when they were not.

Company response to consumer: Closed with explanation