vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Suburban Credit Corporation
State: MD

Complaint narrative:
Received phone call on my work line. Individual said it was a personal business matter and would not disclose the nature of the call. I then asked for the name and phone number in which to return the call because I was at work and could not discuss such things. He would not share such information. I then requested for him to not contact me at work, and he then asked to speak to my supervisor. He continued to badger me and I then mentioned to him that I will report him if he continued to harass me. He then said that he 's going to report me. I hung up the phone as work is not the time nor place to deal with harassment. He did n't state where he was from, what the matter was in reference to, his name or any additional information. I did advise him that this was a federal line and that I would report him. In turn, he said he would do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Management Partners, LLC
State: MD

Complaint narrative:
Berks collection has an entry on my credit reports that i am ot aware of. They are refusing to provide proof that i owe them this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Direct Capital
State: TX

Complaint narrative:
This company ( Direct Capital ) has taken to calling frequently on my work and home cell, each time reflecting a local number that is misleading. They are threatening and harassing.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 2015-08-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION
State: GA

Complaint narrative:
My mortgage company had changed from XXXX to M & T Bank in XXXX 2015. The new mortgage company has been a living nightmare every since. I open up my XXXX statement and they are stating that my mortgage was going to go up by an additional {$300.00} a month. I freaked out and got on the phone with them and they gave me their text book reason that my tax information has went up. I advise them they were charging me to separate taxes when our taxes here in XXXX GA is combined for a total taxes and fees. I tried to explain this to someone and they still want me to pay {$1700.00} and an extra {$150.00} on my mortgage. I would like for you to force the bank to redo their analysis because they are adamant their not have the right information. I even requested that they call the tax office here in XXXX, GA to verify their taxes are combined in accordance to my recent tax statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Management Partners, LLC
State: PA

Complaint narrative:
I have Medical bills in collections from my son when he was XXXX or over. The Company did not verify guarantor at return visit. I am not responsible for this bill, I did not rendor services

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kelsting Group, Inc.
State: CA

Complaint narrative:
In XX/XX/2015, I received a XXXX from XXXX in XXXX, CA and was admitted to XXXX in XXXX for treatment for XXXX and XXXX. XXXX transported me to XXXX from XXXX for a XXXX. After the XXXX, XXXX had XXXX take me XXXX block to the clinic to see XXXX. They charged {$500.00}. I never got a bill from XXXX. Months later a neighbor gave me the bill from the collection company. They had the wrong address. Therefore, XXXX must have sent the bill to this address also. Now {$40.00} a month is being added to the bill. 
I followed up with XXXX and they have not gotten back to me. 
My insurance will not pay because they said they took me to a routine appointment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
I have been trying to modify my loan via HAMP with Ocwen since last year and they kept giving me the run around to finally tell me that they will not process my modification after they sent me a letter stating that they would do so. I have spent countless time on the phone explaining this to different relationship managers. Every time I spoke to someone I would get a different answer or different instructions on what to do next. They sent me payment vouchers which was incorrect during the trial period which they addmitted to doing. They asked that I send in the shortage and 1 additional months payment ( for a total of 4 months under the HAMP ) and then they would process my final modification. After I did everything they asked me to do and met the requirements they still would not process the final modification. I have tried my best and I am tired of fighting with them. No one seems ever have a clue as to whats going on when you contact them for help or assistance. I have a secure letter that was sent to me by Owcen that states for me to make they payment difference and they would process my final HAMP which I will attach to this complaint. I will also be attaching the letter i recently recieved from Ocwen stating that they denied me for non payment which is incorrect, they did recieve my money per the letter dated XXXX/XXXX/2015. I called in and was once told by a relationship manager to reapply for the HAMP to get it processed but they denied it and sent me a Shared Appreciation Modification which I was uncomfortable with signing and sending back because the value of the home seemed to be inflated per their apprasial and there were some other things I was n't comfortable with. Again I told them i was n't comfortable with that and did not want it. I get a letter in the mail saying we denied you for the Shared Appreciation Modification because you failed to make the payments of which I never singed and returned the package to them agreeing to any of it. I have tried to explain to the best of my ability and will attach some supporting documentation to explain my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
Several years ago I was granted a mortgage modification from Indy Mac Bank. Everything was great. Then my loan was sold to Ocwen Loan Servicing LLc . After several months they added XXXX in past due fees from the time during my modification process. When my modification came thru I needed to pay my new mortgage payment for 6 months ( I think may have been XXXX ) and then my mod would be complete no further charges or fees. How is it possible that 3 years later there are charges. Everything was rolled into the loan and I was in good standings with Indy Mac. now I have and additional fee that I do n't owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
XXXX XXXX XXXX f/k/a Option One Mortgage Corporation, a XXXX Corporation ( " Assignor '' ) is attempting to transfer an assignment of deed of trust to XXXX XXXX XXXX, XXXX as trustee for Option One Mortgage Loan Trust XXXX, Asset-Backed Certificates, XXXX XXXX ( " Assignee '' ) on XXXX XXXX, XXXX. XXXX XXXX retroactively attached our mortgage to a securitized trust that was closed and sold to investors 5 years earlier, the bank violated a XXXX law that prohibits fraudulent real estate filings. This assignment of deed of trust was signed by a known robo-signer XXXX XXXX. Declaration from President of XXXX XXXX XXXX f/k/a Option One Mortgage Corporation, a California Company from XX/XX/XXXX that XXXX XXXX XXXX is no longer engaged in the servicing of residential mortgage loans. XXXX XXXX has no servicing rights and does not own any residential real estate mortgages. Affidavit from XXXX XXXX, XXXX XXXX District Registry of Deeds, states that XXXX XXXX, person who signed the Assignment of Deed of Trust, is listed on XXXX XXXX XXXX Approved Robo-signers list. Our Chain of Title has been corrupted. OOMLT XXXX was contractually closed from conducting business after the closing date of XXXX/XXXX/XXXX. 
Any attempt to assign the subject loan to the trust after the cut-off date would be in direct contravention of the laws governing the Trust ( PSA ) and thus rendering the fraudulent assignment of deed of trust filed on XX/XX/XXXX in the XXXX County Land Records office void. Ocwen is still engaging in illegal behavior. The assignment of deed of trust is attempting to sell, assign, transfer and convey unto Assignee that certain Deed of Trust executed by XXXX XXXX XXXX and XXXX XXXX XXXX, dated XX/XX/XXXX and recorded by File No. XXXX, of the Official Public Records of Real Property of XXXX County, Texas, encumbering the real property described as follows : Lot XXXX XXXX XXXX, a subdivision in XXXX XXXX, XXXX, According to the Map or Plat of Record in cabinet XXXX, Plat records of XXXX County, XXXX ( Property ) Street Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. This assignment of deed of trust is recorded by File No. XXXX, of the Official Public Records of Real Property of XXXX County, XXXX. This illegal behavior by Ocwen Loan Servicing , LLC has created a cloud on title to real property under Texas state law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
My lender kept opening an escrow account for the taxes they said I did n't pay. I got receipts of all my taxes that I paid and yet they are forcing me to pay towards an escrow while they take their time in resolving this issue. By the way this is the second time they are doing this to me. Next month I am force to pay an additional {$270.00} towards an escrow they said I owe? I called and fax all my proof of receipt and they did acknowledge that they got it but still wont resolve this issue.Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-24 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I was forced into foreclosure on my home and business by One West Bank and then BANK and XXXX changed names to Cit Bank NA, lied about any complaints against them and hired it 's unethical gang of lawyer thieves who stole my home and business with fraudulent mortgage documents like assignments of mortgage and sworn affidavits with blatant forgeries and notary frauds in a court room without answering because they all got the same crooked lawyer from XXXX XXXX XXXX, XXXX XXXX to commit fraud on the court and civil theft of my home after I already proved that BANK s misconduct was unjust actions, and lost paperwork and no accountAbility at Cit Bank NA. CIt BANK is a criminal enterprise to steal homes, for one west and XXXX XXXX and XXXX and XXXX and XXXX to enrich themselves by concealing this reprehensible fraud that is hard to uncover. Cit Bank regularly pays attorneys to deny homeowners due process and XXXX committed fraud and obstructed my and other mortgage modification applications. XXXX XXXX and XXXX XXXX and XXXX XXXX and XXXX and XXXX XXXX are all in collusion and have generated yet another limited liability company to steal homes illegally across the XXXX and through out Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MN

Complaint narrative:
After ten years having this mortgage on my XXXX condo I have been unable to satisfy OCWEN that I have sufficient insurance through the condo association. No matter what contact person or insurance documents me or the condo association and their insurance agent provide they are never satisfied and have now purchased an additional flood insurance policy on my condo for the sum of {$830.00}. I believe this is ridiculous and an attempt by the mortgage company to create an additional income source.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 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: NC

Complaint narrative:
On XX/XX/XXXX I disputed this account with the credit bureaus because I discovered that they were reporting late payments after bankruptcy - please see attached. I also sent them a certified letter regarding this. When the results came back nothing had changed and they completely ignored my letter. This company acquired the account from American Home Mortgage. The account was in bankruptcy from XX/XX/XXXX until XX/XX/XXXX, yet they reported late payment activity during that time. It is unlawful to report an account that is included in bankruptcy. The bankruptcy did not discharge until XX/XX/XXXX so WHY did they report these late payments?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-16 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I sent to Ocwen Loan Servicing an early payment on XXXX/XXXX/2015 to be applied to my currently outstanding principle. I found out it was n't applied the date Ocwen received the payment, XXXX/XXXX/15, but was applied to XXXX/XXXX/2015 due date instead. I asked for the correction and the earliest day they can apply it to was the next due date, XXXX/XXXX/2015. This practice is consistent every time I make early payment, 3 times so far. As interest is accrue on a daily basis, why ca n't my payment be applied to my outstanding principle the date payment is received? This practice is unfair and cost consumer money. I 'm not happy and I wish something can be done to fix this practice at Ocwen Loan Servicing LLC .

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: HW Holding, Inc
State: TX

Complaint narrative:
I was evicted from my XXXX XXXX XXXX in XXXX XXXX in XXXX of 2013. I was not contacted by the apartment staff for payment of fees incurring because of eviction. I received a call from Hunter Warfield Collections Agency about XXXX weeks later. Hunter Warfield stated I owed them a {$2500.00} payment which was debt sold to them from XXXX XXXX XXXX. I immediately asked for written notification and an itemized bill. They agreed to send the information. I never received written notification or an itemized bill. I followed up with the apartment complex to find out exactly what was going on. The apartment complex said they notified me via mail. They sent the notification letter to the address I was evicted from so I had no way of receiving the mail. Also, I had all mail forwarded to my new address in XXXX XXXX. I did not receive any written notification from either party with a description of the fees I owed. The debt has since negatively affected my credit rating. I have still not received any written information from the credit agency or the apartment complex.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-05 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
I make reference to my complaint number XXXX and several others before that, under which Ocwen keeps sending previous responses stating that they acknowledge that my loan # XXXX has been satisfied and that they have 'filed the corresponding documentation with the county clerk 's office ' ; however, Ocwen does n't include such filed documentation nor indicate with what county clerk 's office did they do such filing. 
I have recently had a title search done on property XXXX XXXX XXXX - XXXX - XXXX XXXX, NY XXXX and no recording was found. 
Ocwen keeps being oblivious to my request and keeps reminding me that the loan has being paid off, forgetting that I was the one paying the loan for 28 years and therefore, I am completely aware that the loan was paid off on XX/XX/XXXX. 
Ocwen does n't need to tell me nor remind me that the loan was paid off on XX/XX/XXXX but they rather need to send me the proof that I 've been asking for : i.e. Document they indicate have submitted to the county clerk 's reflecting the pay off of the loan. 
Ocwen 's letter dated XX/XX/XXXX, asked that I send a letter directly to XXXX XXXX via mail. They only provide a PO box address. They also provide a phone number ; however, no one answers. One has to wait at least 48-72 hours for someone to answer a phone call (? ). 
Something seriously wrong is going on with this institution : They do n't answer calls and when they answer any correspondence, they answer anything but the requested issue. 
I am sending a letter directly to XXXX XXXX with the hope that this time my request is understood and thus Ocwen provide me with the proper response and that Ocwen finally comply with its obligation. Should Ocwen still need further clarification to my request, please feel free to call me at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
When refinancing a mortgage for my brother we decided to go with Ocwen. The loan set up officer told us that he had insurance on the loan so if he passed away the mortgage would be paid off. We have a recording of him stating that fact. Two years later my brother passed away. Now they are saying they can not talk to us because they do n't have a record of who the fiduciary is. We have emailed, and faxed the court records numerous times. Every time they say they have not received it. When we call them they put us on hold for an extended period of time and then we are told the person we need to talk to is gone for the day. This has been going on since XXXX 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 00:00:00
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ocwen Financial Corporation
State: NV

Complaint narrative:
Ocwen is again violating the CFPB 's rules by not creating periodic payments, directly contacting a person who is represented by counsel a FDCPA violation, using deception in an attempt to get a homeowner into a new modification, not honoring the existing terms of modification, and providing a consumer false information.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
6 years ago i am in a loan modification with ocwen loan servicing i have the documents for the first 5 years its 1 percent second 5 years 2 percent, i am in the second year in which i should pay XXXX a month, i understand escrow goes up a little for insurance and taxes but mine went up XXXX dollars for XX/XX/XXXX, XXXX, and XX/XX/XXXX from XXXX to XXXX and now XX/XX/XXXX is XXXX what the heck is going on, you ca n't get a clear answer and they ca n't explain it now they want me to do a new modification so they can get more escrow. second they sent a letter stating i owe over a XXXX dollars in which i do n't, if you take XXXX for 3 months is XXXX and i pay XXXX for 3 months like i should that is XXXX in which is XXXX not over a XXXX dollars i talked to them several times and i get a different answer every time these people are idiots and you ca n't talk to them, i had read several complaints about ocwen loan servicing, my escrow was XXXX times XXXX is XXXX my insurance and taxes is XXXX now they want XXXX a month in which is XXXX why why why, like i said i can understand a little but not XXXX dollars i never seen a mortgage bounce from XXXX to XXXX for 3 months and back down to XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had agreed to a specific payment schedule which was outlined in my retail contract ; upon lien transfer to Chase Bank ( which I had n't even known would happen, and did n't sign any forms for authorization ), my payment schedule moved up an entire month, meaning they expected about a thousand dollars for my first payment. After providing my copy of the signed contract outlining what had been agreed upon, they completely disregarded it. I have been close to defaulting ever since, with all payments being a hair from a month late. Consequently, my credit had been impacted.

Company response to consumer: Closed with non-monetary relief