vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-24 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: LA

Complaint narrative:
I, XXXX XXXX XXXX, am currently in Chapter XXXX ( Case # XXXX ) and filing a complaint against Ocwen for Loan # XXXX. I am in the process of a Short Sale with Ocwen on my family 's home for over 50 years, then my property for 15 of those 50 years. I am simply asking my relationship Manager to suspend or postpone my Foreclosure Sale for a 30 to 60 day period allowing my Short Sale to come to fruition and from that Short Sale, I would not receive anything but moving expenses which I am OK with. This would complete my Short Sale and give me moving expenses in Lieu of becoming Homeless from the XXXX/XXXX/2016 Foreclosure Sale. My relationship Manager XXXX XXXX would simply inform XXXX XXXX, Ocwen 's foreclosure Attorney to remove XXXX XXXX XXXX from the XXXX/XXXX/2016 Foreclosure 's Sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
I do n't understand how CFPB can allow a service lending organization ( Ocwen ) can modified a loan for five years at a low interest rate and then revert back to the original high interest of 10.37 %. I was denied another modification because I now receive social security. It does n't appear that Ocwen did anything wrong but it is so unfair that this country allows this type of predatory lending. I am not behind in my payments and am able to pay on time. That is all the more reason I should be able to keep my low interest rate. I have rehab loans on my property which means the government has to subordinate. Also, my loan has been sold so many times I do n't even know who owns it now. Shame on USA for taking advantage of poor people.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
I am XXXX after an on the job XXXX where I worked for the same company for 20 years. XXXX I have been jumping through hoops with Washington XXXX XXXX XXXX XXXX for 3 years now and so forced to live on 60 % of my former income while they decide my fate. My condo is being foreclosed on XXXX XXXX. I tried to do a short sale and was told I would qualify for the Making Home Affordable Program which would give me $ XXXX to relocate. I brought a buyer with a cash offer to the mortgage co, Ocwen, who had my first and 2nd mortgage. They accepted the buyers offer but they sold the 2nd mortgage to a private investor who will now not accept the offer made to them but wanted $ XXXX more. The buyer came up with $ XXXX more for the XXXX but then Ocwen said okay they got more now we want $ XXXX more which will put the price of the condo at more than the fair market value. Now they have told me because the XXXX mortgage holder is private, I do not qualify for the XXXX XXXX anymore and they will not accept the cash offer they originally said they would accept so they are forcing me to foreclosure. They will force me to be homeless rather than accept a buyer. I did not sell the loan to the private investor Ocwen did. The money would have helped me to find another place and pay first last and deposit. Now they wo n't accept the sale for a reasonable price and I do n't know what to do. Can you assist in any way?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
I have requested on XXXX occasions a " life of loan payment history " from Ocwen loan servicing on XXXX loans they service. They took over servicing from bankrupt GMAC/XXXX bank in XXXX. These XXXX loans are adjustable rate mortgages and I question the principle balances reflected on my statements. These loans originated in XXXX and XXXX. To date they are unable or unwilling to supply me with the " life of loan payment history '' every borrower is entitled to upon request. Please help resolve this problem with Ocwen.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
Ocwen as the servicer and/or acting on behalf of the investor or any other entity DO NOT have documents for enforceable interest as stated under the National Settlement Consent Order. Therefore, I 'm requesting a Mortgage lien release on the property immediately and a refund for all 182 monthly principal and interest relating to the loan from XXXX XXXX through XXXX XXXX and all items need to be omitted from our credit report because they are not factual a ) Please provide a complete pay history for the life of the loan. 
b ) I 'm in receipt of your recent Annual Escrow Account and would like a detailed explanation of the various charges. A copy of the same is attached hereto. Specifically I 'm inquirying about the specific fees and charges : - {$1900.00} for Projected ending Balance and " $ XXXX for " Actual Ending Balance '' Please explain this amount What portion is attributed to taxes and insurance etc? 
Is there a force placed policy on my account? If so please provide a copy of the forced place insurance policy and any and all notices you sent me prior to force placing insurance policy on the property. 
{$3400.00} in the Mortgage/Hazard insurance What type of mortgage insurance is this for? 
Please provide a copy of the mortgage /Hazard insurance policy Please provide a copy of the title insurance I was charged for Please provide a copy of tax and title certificate that I was charged for Interest rate Explain how the interest rate was calculated Maturity date Please Explain how the Maturity date was calculated Please provided Loan Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
In XX/XX/XXXX I got a loan from one financial institution, which was then sold to another financial institution, and then in XX/XX/XXXX, was sold to another financial institution, Ocwen Loan Servicing. Since then, it has been very difficult to work with them. They have raised my interest rate without notifying me. They have my current address that they send my statement to, but I found out that they were sending letters to my old address that I have not lived in for over 2 years. And then they accepted my monthly payments, but did not apply the money to my mortgage. They put it in " Suspense '' and stated that I was delinquent, charged me late fees, and reported to the Credit Bureaus, which has ruined my credit. After much difficulty trying to contact them to discuss, they have stated that they will not help me straighten this mess out.

Company response to consumer: Closed
Consumer complaint received 2017-02-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
A debt collection company that I send payments to is claiming that they did n't receive a payment that I sent in XXXX 2016. However I 've made payments in XXXX and XXXX which have applied to my account correctly. I 've tried to rectify this matter and two months later and still has n't been resolved. It is very difficult to speak with someone about my account, because staff are rarely available. At this time I still have n't been informed about the company 's status in tracking the payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
My mortgage with XXXX XXXX called for a monthly payment of XXXX. The mortgage moved from XXXX to Litton Loan. Medical issues prompted me to XXXX. Those additional medical costs, plus the failure of my wife 's business, caused me to fall behind in payments. Repeated requests for a loan modification were futile. Litton representatives offered new monthly payments that were higher than the {$2100.00} that I was failing to meet, and I fell into foreclosure. The mortgage at some point shifted from Litton to Ocwen, my financial situation remained unchanged, and I tried, without success, to obtain a loan modification. No i 'm trying to enter into mediation to resolve the problem.

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

Complaint narrative:
oCWEN LOAN SERVICER IS REPORTING ON MY CREDIT REPORTS TWICE. aS THOUGH I HAVE XXXX ACCOUNTS WITH THEM. XXXX XXXX IS DEFUNCT NOW AND LOAN HAS BEEN SOLD TO XXXX WITH OCWEN BEING THE SERVICER. I CONTACTED CREDIT BUREUA AND OCWEN FOR RELIEF HOWEVER NOTHING HAS BEEN DONE. THIS IS AFFECTING MY CREDIT AND DEBT TO INCOME RATIO.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY

Complaint narrative:
On XX/XX/2017 I sent a request for mortgage assistance to the servicing company to my mortgage loan. The reason my loan became delinquent was because the monthly payment the lender offer were much higher than promised. I have applied for loan modifications several times but always get denied due to inconsistent reasons. I was recently advised by my loan 's servicing company that they are no longer taking any more documents to process a loan modification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: J&L Collection Services
State: CA

Complaint narrative:
Collections agency continues to place harassing calls to myself & wife, and send additional threatening correspondence in order to collect on medical bills already paid to the provider of health care services. 

Attached : Bill from XXXX XXXX XXXX XXXX XXXX XXXX XXXX dated XXXX XXXX 2015Attached : Check payment, XXXX XXXX 2015 and cashed cash ( reverse ) with bank details of presentment XXXX XXXX 2015Attached : correspondence from J & L Teamworks dated XXXX XXXX 2015Phone calls continue to this day..

Company response to consumer: Closed
Consumer complaint received 2016-11-19 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Bank partially locked access to my online business checking account. No reason stated. No reason it would be partially locked. If I wanted full access I was told to call them. In order to verify my ownership of the account they began asking me a series of questions regarding myself. Multiple choice questions about my previous addresses, personal partners, non existent XXXX bills ... basically an information fishing expedition gathering big data that has nothing to do with my account. Information that I would have never needed to divulge to set up the account. When I complained about the fishing expedition, my account was instantly unlocked even though I answered none of the questions in the array of data collection. I think this activity should be investigated, find out why they are collecting the information, what are the storage procedures, if they have a policy regarding the selling or swapping the information with third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NC

Complaint narrative:
I had a Mortgage that was owned by XXXX XXXX XXXX. It was then sold to Rushmore Loan services. I fell behind in making payments and they offered me a solution to " help '' make my payments current. They ended up adding over {$34000.00} in fees to my loan in XXXX XXXX. Keep in mind at that time they only had my loan since XXXX XXXX, so in less than 5 months they say I accumulated over XXXX in fees? I did n't even realize they were adding that at the time to my principal. I was worried and signed the paperwork as they threatened to foreclose on my home! I never realized they increased it until I looked at my statements XX/XX/XXXX after I have made successful payments to them, and thinking I might have made a dent in my balance. I was shocked to see such a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: First National Collection Bureau, Inc.
State: CA

Complaint narrative:
First National Collection shows a collection on my account for XXXX XXXX. I already resolved this with XXXX and I have never heard from First National Collection until my mortgage company informed me of the account. Per Fair Debt Collection Practices Act, XXXX XXXX XXXX Sec. XXXX they have not validated this account. I have not moved and have the same cell phone number for years. They have made no effort to contact me to validate this prior to reporting it. Again ... I already turned in the box to XXXX. They made a mistake.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: First National Collection Bureau, Inc.
State: TX

Complaint narrative:
I was contacted by this creditor regarding a debt from 2003. I notified in writing this debt is too old to be sued for and I asked not to be contact regarding this debt. 
I was than contacted again by mail, which advise me to call. I explained to the creditor XXXX that they are past the statue of limitations to collect on this debt, and she advised me that they can sue, then she said they cant, then she stated that they would keep me in collections. I than contacted your office, and I an now submitting a complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IL

Complaint narrative:
I came home from hospital and called a friend to take me to XXXX XXXX she came at XXXX on XX/XX/2016. We returned a few hours later and when driving up I noticed my front door opened and there was a latter against the front of the house. She went to the back of the house while I looked around the front. My window inside was broken and someone had started cleaning up some of the glass.We both called out several times when to men finally came out from back. They said my mortgage company sent them to lock box my house. What, I said, I am not in foreclose.I asked for papers he had none, only a email. I called mortgage company, Rushmore Mortgage { XXXX } tried to reach XXXX XXXX but could n't { XXXX } she is my contact person that I keep constant contact with. The man told me that they did send him to lock box the house and that they thought I had moved out, also that it does not show I am in foreclose. I asked friend to call police and asked them to arrest him. Police spoke with mortgage company and they also told him I was not in foreclose but they had a right to be there. { police report cad # XXXX } After police and friend left, I open door and seen that he had been inside the house. Things were moved, television, tools, money, closets, draws were opened also in bedroom and basement door was opened. Things were moved by front door.I have trouble sleeping, I was so scared. I cried all the time officer was there.I am very sick.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 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: Focus Holding Company
State: TX

Complaint narrative:
Hello this is regard to XXXX and there attempts to collect on a debt that has been paid. We discontinued service with XXXX in XX/XX/2016. They could n't get our billing correct so we parted ways. We have sent back all XXXX receivers and they continue to bill us for a unknown large amount that we do not owe. 
We paid the XXXX $ that we setup in XX/XX/2016. They never applied the payment and said they had a problem with there system. It is now in collections and we need it removed. I am attaching XXXX pdf files. XXXX shows that the payment came out of our bank account on our bank statement out of our business account. The XXXX shows a confirmation email from XXXX showing that we did have the payment scheduled and what I say is true.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: HANCOCK WHITNEY BANK
State: LA

Complaint narrative:
I went through drive thru at my bank Whitney Bank on XXXX XXXX and XXXX XXXX XXXX XXXX, LA to make a deposit. Then decided to cash a check in the drive thru lane rather than go around to ATM machine. The teller informed me that my account did not exist. I have many accounts I sign on. I can not state how upset i became since my pension and social security checks go to this account. I had to leave to pick up my grandson then go back to the bank park and go in to see what the problem was. The teller inside the bank had no problem finding my account. I reported the incident to an assistant manager and wanted an apology from the drive thru teller which i did NOT get.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11 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: National Collection Systems, Inc.
State: AZ

Complaint narrative:
I sent NCM a letter and asked for a true and certified copy of the original instrument of indebtedness with my original signature. NCM sent me a typed up copy of a lot of numbers of an amount owed with no sign of my signature in sight. I followed up with another letter that 's attached to this complaint and asked them once more to please send me the original indebtedness. NCM refused to do so and sent me another letter stating that they were n't responding to my letters any longer with an updated different balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-05 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
GM erroneously applied my XXXX 2015 payment to someone else 's account. GM has assured me this has been corrected, however my credit report indicates it still is not. Credit report should show closed/NEVER LATE on y XXXX Credit Report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-01 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: High Point Asset Inc
State: CA

Complaint narrative:
This company has been calling me for the past month asking that I pay {$1100.00} between XXXX " Payday Loans ''. I have never seen these, nor did I take them out. I have only had XXXX Payday Loan that I 've taken out and had past due - I paid this in XXXX and have since contacted that collector for documentation. They advised I file a complaint with the FTC and DA. This new, fraudulent, company is asking for {$510.00} to pay the " original creditor : XXXX XXXX '' for a date of " XXXX/XXXX/XXXX ''. They also want {$640.00} to pay the " original creditor : XXXX XXXX '' for a date of " XXXX/XXXX/XXXX ''. This is FRAUDULENT. I do n't know these companies, nor did I take out what they say are these " Payday Loans ''. I 've had fraud on my identity and my bank accounts over the past few years, this now included. I want them to be looked into and to cease and desist so that they do n't try and con any other people!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Santander Bank has called over 30 times, even after I called them. The number calling me is XXXX..My phone is XXXX,,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have checking account that I allowed to become inactive. The bank charged me {$30.00}. a month for four months, totaling {$120.00}. I called the bank and they refunded half of the total. I believe that {$30.00}. per month is a ridiculous amount to charge for not writing a check. Is there anything more that can be done to get the remaining {$60.00}. 

Thank you for your advice and assistance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed