vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-02 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: Duncan Solutions, lnc.
State: PA

Complaint narrative:
Upon noticing that I had some unpaid tickets on my credit report I went had and contacted the collection agency to see how I can pay and get these reports removed from my credit report, I was told that I would need to pay {$190.00} to Professional Account MGM agency and they would take care of it, on XXXX/XXXX/16 my bank issued this agency the {$190.00} for ticket number XXXX - {$54.00}, ticket number XXXX - {$54.00} and ticket number XXXX - {$83.00} all together came up to {$190.00}. On XXXX/XXXX/16 this agency attempted to collect again {$54.00} for the same ticket number XXXX and {$10.00} for the same ticket number XXXX all together {$64.00}. When I contacted them to tell them I noticed they are trying to charge me twice for the same tickets they said if I can send them proof that I did sent the {$190.00} ( even though they knew well that they cashed the check ) they would rectify. I did send them proof from both my bank and I. Today, XXXX/XXXX/16 I received a response and now they are changing and claiming once again that I owe {$67.00} for the SAME TICKET NUMBER XXXX that I have already paid. Please help me as these people are trying to rip me off clearly!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Asset Recovery Solutions, LLC
State: NJ

Complaint narrative:
I wish I could click more than XXXX item above that is an issue, instead I will list them here. 
Asset Recovery, they call under both names, continuously harrasses me on my cell phone and now they have started to contact me at work. Even going so far as to misrepresent themselves as contacting me on behalf of my employer ( while I was at work ) and asking me to confirm my ss # etc. They then laughed when I would n't and said I would most likely be fired. 

They are trying to collect on a debt I DO NOT OWE. My credit is clean. I do not owe XXXX. I contacted XXXX XXXX Services and they said they have no idea what XXXX or Asset Recovery are speaking of. My account is up to date and paid adn has been. 

XXXX/Asset is also saying that there is a lawsuit against me and they are going to inform my employer and I will be fired. I have been cursed at, yelled at and threatened day and night. It 's not stopping and now it 's at my place of my employment when I 've asked them to stop. 

This is a horrible horrible business and it seems there is no recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
My mortgage company continues to take escrow on my home owners insurance even after i paid the full premium off in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
We received a short sale approval on XXXX/XXXX/16 for {$180000.00}, however on XXXX/XXXX/16, the XXXX mortgage, XXXX XXXX, countered the {$3000.00} payoff for a {$12000.00} payoff. On XXXX/XXXX/16, XXXX XXXX XXXX stated that in order to proceed to closing with the current {$180000.00} short sale approval issued by Ocwen, they 'd need verbiage from Ocwen that they acknowledged the buyers paying off the {$9000.00} difference themselves. 
On XXXX/XXXX/16, Ocwen 's staff stated that we can submit a {$190000.00} addendum to meet the {$9000.00} difference to payoff the XXXX mortgage and it should be underwritten within a week. On XXXX/XXXX/16, we submitted the {$190000.00} addendum. On XXXX/XXXX/16, Ocwen asked for updated proof of funds for the buyer 's {$19000.00} addendum. On XXXX/XXXX/16, Ocwen said they needed a net minimum of {$150000.00}, which reflected a purchase price of {$190000.00} on the HUD and was also {$2800.00} higher than the original {$140000.00} minimum net on the original {$180000.00} short sale approval. 
On XXXX/XXXX/16, we sent the $ XXXX addendum to Ocwen which the buyers reluctantly agreed to in order to just get this over with. On XXXX/XXXX/16, Ocwen said the {$190000.00} addendum short sale was declined. Help us understand why it was declined when we 've met ALL of Ocwen 's demands including a higher required net minimum of {$150000.00}. 
The current buyers are the only buyers that are willing to pay above the appraised value. They want to be done with this and think that it has been a ridiculous process when we just had a short sale approval on XXXX/XXXX/16 for {$180000.00}. Who is going to pay {$12000.00} above fair market value on a home that the bank has on file that it 's worth {$180000.00}? 

I need my home to be sold so I can move on in life and this is beyond ridiculous for what I have been having to go through.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase bank did a analysis on my mortgage after they received my home owners insurance, which went from {$690.00} to {$450.00}. They told me I had to much money in my escrow so they sent it back to me. Then they send me a mortgage bill my mortgage has went up, because I did not have enough in my escrow, I called and complain to them. why did you send me money back and then say I do n't have enough escrow. My mortage has went up from {$720.00} to {$720.00}. with a shortage of {$22.00}. I pay the {$22.00} and then they tell me my mortgage will be {$700.00}. After I pay that for one month it went back up to {$720.00}. I called again, why is my mortage going up and down. they claim because I have a shortage of {$22.00} but they after I paid it that it would only be {$700.00} for that month. They also claims my taxes are going to be higher XXXX they evaluated that. Well I received a letter in the mail that the board filed in my favor that my real estate assessment was not correct and that it change from XXXX to XXXX, XXXX making it a difference of XXXX. I want them to stop messing over my mortgage and if everything is going down, so should my mortgage. The person was rude, which was a supervisor and I told her that I was going to file a complaint because they are not doing their job. I am a single parent and I am on a budget, I am not trying to pay a high mortgage if I have the money in my escrow to cover my taxes, they told me it is state law you can only have so much in your escrow, then why have a escrow I can pay my taxes myself if that is the case. They are not taking into consideration non of my discounts.!!!!!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: TX

Complaint narrative:
The amount was immaterial ( {$97.00} ), was reported to the collection agency prior to being 30 days late, and was paid within 30 days from original report to collections agency ( paid within 60 days total from date amount was due ).

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
OCWEN Mortgage sent me a check recently for overpaying my Escrow. A few months later they tell me I 'm short on my Escrow so they increase my monthly mortgage fees. I have a feeling I 'm not the only one they did this too. Is this illegal? 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
A loan modification request XXXX HAMP was requested and submitted over XXXX year ago with all supporting documentation. My XXXX request showed sufficient income to not only qualify under HAMP program, but to repay my mortgage and start making mortgage payments. In XX/XX/2016, the lender OCWEN wrote a letter advising that the modification was being denied due to insufficient income. However, the income noted on the XXXX shows a surplus every month. The letter although authored o XX/XX/2016 did not get mailed till XX/XX/2016 a month later, without sufficient time to appeal the decision. An incorrect decision was made regarding this loan modification request on my primary residence since HAMP should have been awarded.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
On XXXX XXXX, 2016 I submitted an application for loan modification through my mortgage company OCWEN. I owe more on my house, so I ca n't sell it. Plus, I pay about {$300.00} out of pocket because my rental income does n't cover the mortgage. I sent every required document that 's listed on a checklist that comes with the application. Initially, they needed an additional few documents, so I sent them. Then the next week, they needed something else and was a different person ( I have never spoken with my so-called " relationship manager '' ) ; it 's always someone else that I ca n't understand and that knows nothing about my case. Then the next week and so on. Never at any point in time have they spoken with me about my application or have been organized enough to tell me everything they were missing at one time so I could provide them with what they need. Another example is that they required my banking statements to be within 90 days of the application. Mine were valid, but they expired because OCWEN continued to " need additional documents ''. Today, they said that they needed rental income verification, which is a tax document and that amount is listed on the tax return. The caller on the OCWEN end had no clue what I was talking about. It 's as if they do NOT want to help me. Am I even talking to people in the banking business? My private information is out there ( and my husband 's ) and I 'm terrified. I am just trying to make a tough situation better and I want to document this somewhere in case they try to make me foreclose ( i 'm making my payments ). As a consumer, I have no control over anything and OCWEN knows this. I am at the mercy of this company that has been in trouble for their dishonesty once already.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
My husband and I are attempting to purchase a home that is set for auction XXXX XXXX. Both the seller and her attorney have made multiple attempts to get in contact with OCWEN to let them know the house IS UNDER CONTRACT and to request a foresclosure postponement so that we can close. What has been relayed to me is that her attorney has basically given up because he ca n't get in touch with anyone to discuss these issues. The homeowner is TRYING to sell her home to get out from COMPLETE financial ruin, but can not get in touch with her servicer to TRY to remedy the situation before auction. Come to find out yesterday that although we have a signed contract for a stated price, she has been billed/fined by OCWEN another {$4000.00} for what, I ca n't tell you. From reading other posts, it appears erroneous fees and charges are just tacked on.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Midwest Recovery Systems
State: CA

Complaint narrative:
I did not receive any notice that I owed this bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ACS Education Services
State: CO

Complaint narrative:
ACS Education Services manages one of my student loans. The loan originated with a balance of {$11000.00}. Per the ACS website, my payments began on XX/XX/XXXX. Over the course of the past 57 payments their website shows that they have applied {$5000.00} to principal. This would leave me with a balance of {$6000.00}. However, they show that my current balance is {$9000.00}. I have two complaints against ACS. The first being that they are using fraudulent accounting practices resulting in a substantially higher account balance than it should be. Secondly, I substantially increased the size of my payments for 10 months with the instruction that the additional amount should be applied to principal. Instead of applying the additional money to the principal they have applied it to future payments. They are now showing I am paid up through XX/XX/XXXX. My attempts to get them to correct this misapplication of the payment has been unsuccessful. They told me that I need to call them the day the payment is received. If I 'm too early they wo n't be able to see the payment and ca n't help me. If I 'm too late and the payment is already posted then it will be applied to future payments and they wo n't correct it. Can you please help me resolve this so that I can pay off my student loan debt?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Capital Markets Cooporative, LLC
State: LA

Complaint narrative:
On XXXX XXXX, 2016, I remitted mortgage payment on-line in the amount of {$5000.00} due XXXX XXXX. On XXXX XXXX, the loancompany CMC Funding had not posted my payment. I called in and inquired and they said they were behind with mail and processing due to XXXX holiday. I verified with my bank, that the payment was received electronically by CMC Funding on XX/XX/2016. I opened up a written complaint with CMC funding asking for verification that payment was posted and that I was not charged extra interest due to their late posting. I filed another written complaint on XXXX ticket # XXXX and still have not received a response. I called the XXXX number today, XX/XX/2016 and inquired of the status. The woman listened to part of my concern and then she hung up on me and has not called me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: ACS Education Services
State: IL

Complaint narrative:
My former loan servicer, ACS, never informed me ( after several inquires on my part ) that i was not set up on the correct loan type ( which would be direct consolidation ) to receive XXXX. I asked several times and inquired to make sure ... i was on the right repayment but not on the correct loan. So, now after paying on my loan for 10 years i now have to start over and i owe XXXX more than my original loan amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NC

Complaint narrative:
This is not a duplicate complaint and new concerns are being expressed. PennyMac loan services has failed to respond to my complaint regarding the escrow issues regarding my loan account. My county taxes have decreased and are included in my loan payment. When my account was serviced by XXXX XXXX XXXX I never had issues with escrow shortages as my taxes are included in the mortgage payment. During a telephone call with PennyMac Loan services the representative admitted that they underpaid for taxes which created an escrow shortage. The company is engaging in practices that violate RESPA but increasing my mortgage payment due to their mistake. Additionally, I previously filed a complaint against them and they did not respond to my QWR request pursuant to RESPA. Most important, I have left numerous messages for XXXX XXXX and she has refused to contact me regarding my account. Moreover, PennyMac 's escrow department has been closed and representatives are unavailable to address my concerns. The CFPB should be investigating this company for not having representatives available to respond to my concerns. 

I have provided the company with proof that my XXXX 2016 payment was not applied and they have adversely reported my loan late. All of their prior response letters do not address this concern. 
I have contacted a real estate attorney and going to file a lawsuit in federal court as my damages are in excess of {$75000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In XX/XX/XXXX my husband and I purchased our XXXX home. Interest rates were much higher then and several years later we decided to refinance at a lower rate of 7 % -still very high compared to current rates. The loan officer said there appeared to be an error on the original loan. The mortgage had my husband 's name, a married man along with his wife, as the borrowers on the loan, but my name was not on the document. He said it was likely an oversight but of no consequence, he would just correct it. I did n't think about it again. Several years later my husband and I divorced, and my ex husband quit claimed the home to me as part of the divorce agreement. In XX/XX/XXXX it became increasingly difficult to make my monthly mortgage payment. My interest rate was still 7 % and I applied for a Harp loan which would greatly reduce my payment. I was surprised to learn that I could not apply for a Harp or refinance the home because although it was my name alone on the deed of record, my name was not on the mortgage. This Is a very unusual problem. Most people try to have their names removed, especially after a divorce. In this case I was lowering the risk to the bank by adding myself to the mortgage. However, trying to deal with my mortgage company or bank as they are the same, proved to be more frustrating than anything. They did not know what I could do, offer me any help or have any idea how to help me with this situation. The one thing I was told was that they would not add my name to the mortgage. I do n't understand why they would refuse and they never explained so I still do n't know. Had I just left things as they were then, I would 've just lost my house. I had no choice but to use an attorney. From that moment they refused to accept any payments as we were in litigation until there was some resolve. After TWO YEARS, they finally acquiesced to my request and agreed to add my name to the mortgage. The bank then totaled the amount I would 've paid over those two years, which included the principal, interest, taxes and insurance, and simply tacked it on to my loan amount. This also meant that on top of the interest that was included, I would be paying another 7 % on top of that! How is this at all fair or even legal? They took a full two years to decide to grant my request and then profit from taking so long! My situation was exploited and I was exploited as well. Is there any protocol for this type of situation or are consumers simply at the mercy of their banks? And what was the reason for the two years it took for them to finally agree to add my name? Was there any reason to deny me other than increasing their profits by adding up more payments to double charge me interest? How is this practice legal because it feels terribly wrong and unjust.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
It has been about 3 years since I 've discovered that the credit bureaus made an error, where they have me and my brother as the same person. We do have very similar names, mine being XXXX XXXX XXXX and my brother 's being XXXX XXXX XXXX, and our social security numbers only have a differing last digit while the rest of the numbers are identical. I have filed for dispute multiple times as my brother did, and we were also forced to pay a fee to correct this error last year. Just recently, I 've discovered that I still can not pull my credit report and all of my credit history is combined onto my brother 's. 

I would really appreciate any assistance in rectifying this issue as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: ACS Education Services
State: MN

Complaint narrative:
ACS has been reporting late status on my credit report when said loans were in forbearance. The loans in question have been reported incorrectly for XXXX different periods. The first instance was XX/XX/XXXX through XX/XX/XXXX. The second was reported XX/XX/XXXX through XX/XX/XXXX. The third instance was XX/XX/XXXX through XX/XX/XXXX. The information changes from XXXX credit report to the other. XXXX, XXXX, XXXX all have different information. ACS has been impossible to talk to. I give them my information and they say they do n't service my loans and hang up. One lucky time i was able to get my account number. Than she realized that they do n't service my loans anymore and ended the call. It is not only frustrating that i ca n't talk to someone about my loans, it 's even worst that they can wreck someones credit with no re-course. I feel like I have no rights. If a company can keep reporting negative information they should still service and provide service to the day they no longer can reports such information.

Company response to consumer: Closed with explanation