vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-25 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK
State: VA

Complaint narrative:
Discover credit pulled a bait and switch on me as a consumer. I received a balance transfer offer to get 0 % Apr to pay down my balance in full ; giving me until XXXX 2017. They are continuing to charge exorbitant fees, making it difficult for me to pay off the balance. When I wrote to them stating how difficult they have made things for me, they stated, " Paying down the complete statement each month avoids the charges ''. 

First off, I understand paying down the statement avoids charges. XXXX does not know me. If he did he would understand that the company I used to work for ( XXXX XXXX ) never paid me for the XXXX I turned in -- we 're talking about three years of XXXX. I have filed a complaint with the Dept of Labor about the company, and it has gone nowhere because the USA seems to allow criminals to go free. I am a XXXX XXXX who should have earned a nice living on the project that I was hired to do. Since I have n't been paid, the only source of my pay comes from a small XXXX check. This makes it exceedingly difficult to pay down my debts ... which I want to do!!!! 
I wrote to Discover Credit : " You deliberately did not answer my question. Your company has violated the agreement of allowing a 0 % Apr until XXXX for me, a XXXX American, to catch up my bills. Your answer was emotionally disconnected, and bourgeoisie, but I suppose that 's how you wish your company to be viewed. No. I do not agree with stealing. I will not allow you to steal from me. I am filing a complaint about your company with the FTC ( CFPB ), and will not be paying on this bill or having anything more to do with your shady, lying, thieving, company! 

This complaint is being filed because Discover Credit broke the terms of the agreement, and have charged such exorbitant charges on my account, bringing the balance to a high amount. I received the 0 % Apr offer thinking this was a XXXX that could get my debt to credit ratio down. They do this to low income people to steal their hard earned money and make them think they can FINALLY pay off their debts. I am trying very hard to get out of the debt hole that credit fees, and shady, dishonest people/companies have deliberately made for me. It is a financial hardship to go through this. It IS a bait and switch tactic that Discover Credit pulled and it needs to be reported to the CFPB agency. I told Discover that they are thieves and liars and cause unneeded stress in my life with their shenanigans. I will not be paying any more statements until they revert to the 0 % Apr agreement that was sent to me. They also had no business keeping an unlawful XXXX charge ( I sent back the item over a month ago -- I DO N'T have it!!! ). Their company is designed to run people into debt and needs to be audited for fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-23 00:00:00
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Ocwen loan servicing LLC has violated ALL rules AFTER a BK discharge of a XXXX % exempt property. They knew of it as they were at the BK and cancelled lifting stay over 5 years ago. The last FILING of a suit against us managed to get a false judgement in the Fed court systems to then get a judgement on eviction and writ of possession. Knowing the rules, we could n't comprehend that on the day the writ happened they would break the law and hire the local constables, and police AFTER REPEATED notices to them and Ocwen of the proof of the BK 's orders and exemption papers and that XXXX of them would drill into my door and surround our private property to remove ALL our possessions and have ME XXXX and not my husband or friends who witnessed it! 

Calling it " XXXX '' and having no charges or warrants to back it. I spent 10 hours in XXXX XXXX without being allowed to speak to a judge or to see the charges all with out ever asking WHO I was! Sense then we 've been living in a motel and seeking Many charges against them. We put a claim on their bond and was given the access codes BACK to our home! 
We RETURNED to an uninhabitable home and asked to have it fixed and because of the destruction of our personal property and of our home itself and Because of our asking, they get someone to lock us out again and put back a for sale sign up AFTER I noticed all the other real estate web sites of the theft of our home not anyone having the right to sell it. I 've been also letting the agency 's know and at this point? It 's a waiting game and we are miserable! Thanks for reading ....

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: UMPQUA HOLDINGS CORPORATION
State: CA

Complaint narrative:
I purchased a home XX/XX/XXXX with XXXX through Umpqua. The loan was for $ XXXX on a home appraised for $ XXXX. I was told prior to signing papers that I could get PMI removed without another appraisal if I reached XXXX % loan to value ratio within 6 months. On XX/XX/XXXX, I received letter from Umpqua stating the same thing. On XX/XX/XXXX, I mailed a check for {$40000.00} along with letter requesting removal of Private Mortgage Insurance. Umpqua applied the $ XXXX to my principal, but did not remove PMI. On XX/XX/XXXX, I got on the phone and got in touch with loan manager. She stated that the original letter was incorrect, that PMI was figured off the sale price of the home, not the appraised value. Loan manager said that a corrected letter would be in the mail, but I have not received such letter. She requested that I send {$8500.00} more dollars, and that she would take care of getting PMI removed. On XX/XX/XXXX, {$8500.00} I have sent this payment along with another detailed letter, and wait for their response. This last payment takes me down to XXXX % loan to value of home, within 3 months of signing the loan. These funds that I have sent them were moneys that were allocated towards improvements on the home. Everything online that I am reading states that mortgage companies HAVE TO automatically remove PMI when loan gets to or is scheduled to get to XXXX % of appraised value of home. If the interest rates did n't just jump recently, I would have just refinanced. Now, I am stuck in trying to get Umpqua to do what they stated they would do in emails, and in writing from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: IA

Complaint narrative:
Ocwen Loan Servicing has forcefully kept open an escrow account that is voluntary by the mortgage note. I have repeatedly sent QWR 's ( as per RESPA ) to get it closed. They ignore me. They now have raised my escrow payment by doubling the property taxes by claiming there is a " Special District Tax '' that is equal to my property taxes. There is no such " Special District Tax ''. I have requested a copy of my mortgage note and they fail to provide me the note in it 's entirety. 
Prior to Ocwen, the account was serviced by GMAC Mortgage who improperly charged fees to the account and then went out of business before the issue was resolved. 
In addition, Ocwen quit sending me monthly statements claiming I made a request for them not to send me statements. I did no such thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
Ocwen refuse to change my mortgage payments from XXXX to XXXX .my mortgage for XX/XX/XXXX is XXXX ocwen has n't explain to why I am paying additional {$360.00}. Ocwen has poor customer service and I feel as if they are forcing me to lose my home I emotionally stress.this is the XXXX complaint I do n't understand how this company is not under investigation by the government.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I want to file a complaint against Select Portfolio Servicing Inc . The company 's mailing address is Attn : Loan Resolution Department, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX. I applied for a mortgage loan modification in XXXX 2014. I have called this company each month since XXXX 2014. I am repeatedly asked for verification of salary, income tax return forms and bank statements. I have received XXXX letters from this company never specifically stating the status of my modification application. The letters received from the organization only state that correspondence was received from me. This company has numerous complaints against it on several consumer complaint web sites. My mortgage was sold to Select Portfolio Servicing Inc. by the orginal lender which was XXXX Mortgage company. Each telephone conversation I 've had with this organization resulted in vague and very cryptic conversations with representatives who never provide straight answers to straight questions. As mentioned before, I have never received correspondence indicating any status on my mortgage loan modification or what stage from beginning to end is my application in. This company provides terrible customer service. The representatives give the same information over and over again. I 've written a letter to the Board and CEO of the company with no direct response. Just correspondence vaguely stating that correspondence was received by the company from me. This entire process has been unprofessional. This company will not record " specifics '' in their correspondence to me pertaining to the modification. My goal is to successfully complete the mortgage loan modification process. I can not believe how this company does business or why it has been allowed to get away with doing business this way for so long. I am requesting assistance from your agency in this process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I have a HAMP Loan XXXX through OCWEN Mortgage. Several years ago you handled another problem I had with them quite satisfactorily. The original loan was through XXXX XXXX XXXX. After some months OCWEN took transfer rights. At the time of transfer OCWEN applied {$430.00} in fees on my monthly statement. I inquired as to why I was getting this added fees. They told me it was transfer fees. This is a HAMP Loan there are no other fees to be applied during the duration of the loan. I refused to pay these fees and to this day they remain on every statement each month. The fees applied to the last statement was {$360.00}, why they dropped I do n't know. I do not owe these fees, I have never been late on this loan and am in good standing on the loan. I 'm getting extremely agitated seeing them on my statement every month listed now as past due fees/other charges. Any help you might give me would be greatly appreciated. As I said you took care of the other problem I had with them right away. This problem did not start appearing until I had the loan with them for several months. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX E-Mail XXXXXXXXXXXX Phone XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: WV

Complaint narrative:
We are in process of selling our home and found out that a ocwen did not pay our property taxes for XX/XX/XXXX and XX/XX/XXXX. Our property was sold and we had to get a small loan to pay the XXXX to get our property back. We would have never found out that our home was sold if we had n't had our house on the market. Ocwen lied saying that they sent out a check but XXXX XXXX courthouse said they never received the payment. We also checked with XXXX to see if they received payment. They said they never received it. My husband drove to charleston to pay them and I 'm attaching the redemption certificate he received for your records.

Company response to consumer: Closed
Consumer complaint received 2016-05-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO.
State: OH

Complaint narrative:
On XXXX XXXX, 2015 my brother in-law purchased a XXXX Lincoln MKX vehicle from XXXX XXXX XXXX XXXX in XXXX XXXX, OH. On XXXX, he passed away. 
When his children arrived, for his funeral, they asked family members if anyone were interested in transferring the vehicle account number XXXX into their name and take over the monthly payments? Since they XXXX lived out of town, and had to dispose of his property? I decided, and agreed, being a retiree from XXXX XXXX XXXX, to transfer the vehicle into my name. My niece sent the death notice to Lincoln XXXX Financial Service and stated to them that I was interested in transferring the vehicle into my name. Since this was a new vehicle and was purchased two months prior to my brother-in-law 's demise it held a lot of sentimental value by keeping it in the family. 
After receiving the transfer application paperwork from Lincoln XXXX on XXXX/XXXX/2015, I filled it out and fax the application to them on XXXX/XXXX/2015. I was told by a representative of Lincoln XXXX, to call in a couple of days for a status check and was told the application was approved. With a credit score of XXXX plus, I just knew that this was n't going to take no more than XXXX days to process the transfer of equity/ lease paperwork. I immediately started looking for a buyer for my vehicle and found a person who was interested in purchasing it for a set amount that we XXXX agreed upon. 
I would like to know why it has taken four months for this process, and the title transfer still was not completed? I strongly feel that this is a case of age discrimination since I was XXXX XXXX XXXX when this process started. I kept asking the people at Lincoln XXXX, why was it taken so long to get this paperwork done, and never received any type of rational answer? I wrote a letter to the top Executives of XXXX XXXX XXXX, and all the letters seem to go to this XXXX XXXX Analyst for Lincoln XXXX who wrote me back and stated that the matter was being looked into but never given me any solid information on what they were going to do to rectify this situation so that this does n't happen to anyone else. I would like to know what are they going to do about getting this done in a timelier manner?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NV

Complaint narrative:
On XXXX XXXX XXXX, I came across XXXX different, mortgage insurance company documents for our property. On XXXX XXXX XXXX, I requested Ocwen Loan Servicing through a qualified written request by certified mail to provide us the following information. First, we requested to know who is the insurance company that carried the PMI insurance on our property/note. Second, we requested to know how many PMI insurance policies there were for our note/mortgage. Third, we requested to know the amount on each PMI insurance policy. Fourth, we requested to know if the PMI insurance policies were ever paid out in order to pay off our note/mortgage when we were in foreclosure several years ago. Fifth, we requested to know who the insurance company paid these funds too, with all contact information such as name, address and telephone number. On XXXX XXXX XXXX, Ocwen Loan Servicing responded to my complaint. Ocwen stated ; our company has recently received a request for information on the above reference loan, which is enclosed for your review. Ocwen enclosed a payment history only and failed to answer my questions that I asked through the qualified written request. Now, per the RESPA act, Ocwen was suppose to answer my questions but failed to do so. Then on XXXX XXXX XXXX, I responded back to Ocwen Loan Servicing by certified mail through a qualified written request. This request was now sent to the Ombudsman office this time. I requested the same information once again. I further stated ; today, XXXX XXXX XXXX, we received your response dated XXXX XXXX XXXX. In this response, Ocwen failed to provide us the information that we were seeking. Instead, Ocwen provided a payment history sheets from XX/XX/XXXX to XX/XX/XXXX. This payment history sheet does not give us the information that we are seeking. Failure to comply with our requests will result in another complaint against Ocwen. Now, since Ocwen has failed to provide accurate information to the credit bureaus and failed to take responsibility over it, we have decided to file complaints against Ocwen when they fail to comply to each and every inquiry. On XXXX XXXX XXXX, we received another letter dated XXXX XXXX XXXX with documents enclosed. Nothing with in this letter reflect any of the questions that we asked Ocwen. Ocwen enclosed a copy of the note, Deed of Trust, an assignment of Deed of Trust, a notice of servicing transfer by Litton loan servicing, a modification agreement dated XXXX XXXX XXXX, a HAMP modification in XX/XX/XXXX and XXXX document located in XXXX XXXX California along with a payment history. Again, Ocwen Loan Servicing has failed to address each of my questions under the RESPA act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: DISCOVER BANK
State: NY

Complaint narrative:
On XXXX XXXX, 2016 Discover Credit Card received and acknowledged receipt of {$1100.00} total balance payment for my credit card account which card 's identification number I changed after I complained about XXXX fraudulent charge made to my account which have since been credited to my account. However, my account balance payment of {$1100.00} has not been credited to my current account and past due charges have been levied on my account # XXXX : {$27.00} and XXXX. Here is a copy of my current account status and balance : XXXX. Take notice that my current balance does not account for my payment of {$1100.00} received by Discover Credit on XXXX XXXX, 2016. I have called Discover customer service on XXXX XXXX and again on XXXX XXXX, 2016 and was told that they would investigate but did not assure me I would be credited the payment I made to the same account which I had requested due to the XXXX fraudulent changes to my account which they acknowledge. 
All parties I spoke with including the fraud department were indifferent to my complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
This is my second complaint submitted on this property regarding Ocwen Loan Servicing. Please refer to XXXX attachments that provide a history of my experience. This is my second attempt having requested a Deed in Lieu on my property at XXXX XXXX XXXX XXXX in XXXX, NY. Despite weekly calls since XXXX 2015, this process is still not resolved. On my call today with Ocwen, I was informed by my relationship manager, XXXX XXXX, that my Deed in Lieu was denied due to the property evaluation being ordered but not completed because of lack of access to the property. I do not live in this property and have not had access to this property for almost four years. Ocwen 's Property Preservation Program is the only entity that has access and it was noted several times in my case file for the evaluator to contact them for access. The process has been stalled numerous times over the past several months due to things such as Ocwen not paying their attorneys fees and its relevant departments and contractors not communicating with each other. I was told that I was in the final stages of my Deed in Lieu process being complete until today. Now I am being told that I may have to start the process all over again through circumstances completely beyond my control. I need someone to review all case notes on this file through Ocwen and assist me with bringing this four year process to a close.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Ocwen Financial Corporation
State: IN

Complaint narrative:
We filed Chapter XXXX bankruptcy, discharged on XXXX/XXXX/2006. One of the accounts that was discharged was for a mortgage with Ocwen Loan Services ; we recently received communication from XXXX that they had purchased the loan and that we owed them for the house. We disputed this, stating that it had been discharged via bankruptcy, they sent us a copy of the original loan with our signatures on the promissory note and stated that this was proof we owed the loan. The account was discharged, that was confirmed by both Ocwen and another agent that had purchased the account, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
Last week I received a suspicious letter from Ocwen Loan Servicing indicating they have " been made aware that you have retained an attorney as counsel '' and that " As a result, all future correspondence that is meant for you will be directed to the attorney ''. 

See document below. 

The reason this letter is so suspicious is that it is completely at odds with the facts : a ) I have never asked any attorney to represent me for any dealings with Ocwen at any time ; b ) I have never missed or been late on a single mortgage payment to Ocwen Loan Servicing in the 4+ years they 've held my mortgage. I am gainfully employed in XXXX ( I 'm a XXXX ) with a XXXX-figure salary, and have no reason to believe I will ever have challenges paying my mortgage. My mortgage is in perfectly good standing, and has always been. 

c ) Prior to this letter today, I had never received nor sent any correspondence of a remotely legal nature from/to Ocwen. 

Given the well-documented history of Ocwen and legal actions taken by states against Ocwen for their improper home foreclosures ( legal actions which XXXX XXXX is working to enforce ), my first presumption was that Ocwen is trying to position themselves to do something improper on my mortgage -- like claim a failure on my part to respond to issues they will trump up and document in the future. 

Can you please advise me on what I can / should do to deal with Ocwen? 

Thank you for your consideration.

Company response to consumer: Closed with explanation