vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
My mortgage loan servicer, OCWEN, send me my mortgage interest statement ( " substitute form XXXX '' ) for XX/XX/XXXX. 
On it, I noticed a mistake in their favor. 
My property insurance and property taxes are " escrowed in '' with my mortgage payments. 
The annual property insurance of {$590.00}, was mistakingly deducted from my escrow account XXXX, on XX/XX/XXXX and again on XX/XX/XXXX. 
I contacted OCWEN on XX/XX/XXXX about this issue. 
After many frustrating hours on the phone, with people in XXXX and the XXXX, finally employee XXXX, ID # XXXX, discovered what went wrong : They mailed the payment XXXX to a wrong address of XXXX, whom I have my property insurance with, then they got the check returned to them and then they mailed a new check to the right address. 
The problem is that OCWEN deducted the amount XXXX as disbursements from my escrow account, and never reimbursed me for the mistakingly XXXX deduction from my account. 
A supervisor, XXXX, ID # XXXX, XXXX, ID # XXXX and I had a conference call about this issue and it would be researched. 
On XX/XX/XXXX, I had heard nothing, so I called OCWEN again, and only after suggesting that I might take legal action, did I get connected for the XXXX time with somebody in XXXX USA. His name is XXXX, ID # XXXX and he is a manager for OCWEN. 
Finally he understood and saw the problem, which can be very easily seen on form XXXX, and he figured the issue will be fixed in a couple of days. 
A week later, on XX/XX/XXXX, he called me, but had absolutely no information other than that the issue is not resolved. 
I waited till XX/XX/XXXX to call XXXX again, who had given me his phone number and extension, XXXX ext. XXXX, only to get an answering machine. 
I left a message with my phone number, loan number and a reminder of the issue. 
On XX/XX/XXXX I tried to call several more times only to get an answering machine. 
On XX/XX/XXXX I left another message. 
Up to this moment in time I have not heard from XXXX or anybody else from OCWEN. 
I called the " note holder '' of my loan, XXXX, and they informed me that OCWEN has the servicing rights, but that OCWEN does not work for them. They said I would get results solving this issue by filing complaint with you, the CFPB. 
All in all, OCWEN has now been shorting me on my escrow account 16 days short of one whole year, and known about and admitted to, the {$590.00} mistake for 34 days. No action has been taken to reimburse my account and I am being completely ignored with all my phone calls and messages to the employee who would handle this issue, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Specialized Loan Servicing Holdings LLC

Complaint narrative:
I received a noticed from SLS who is a debt collector for XXXX, XXXX was the Original Creditor back in XX/XX/XXXX stating that my required loan payment will convert from interest only to principal plus interest as you enter the repayment period of your loan. This came as a shock to me because I was advised by several sources to refinance, and convert the loan to a FIXED rate which I did at the end of the first year before the bank or Lien holder starts to Rachet the loan if that 's the correct term. I believed that the loan was close to being paid off based on the number of years I 'd been making payments. I was also told that XXXX would not approve the Original loan unless I used my home as collateral. I move to the XXXX XX/XX/XXXX to start my early retirement. I contacted SLS by phone after receiving their letter of intent to try and make since of what was going on and learned that SLS documents stated that I was still locked into a ARM. That is where the problem lies. I 'm a US XXXX veteran and still hold my original Home Loan Guarantee from the Veterans Administration that I 've attempted to use since leaving XXXX XXXX. Now that I 'm retired on a fixed income I 'd like to use it to convert my primary mortgage to a VA loan. After the first year I was able to convert the HELOC from a ARM to a FIXED but after that SLS would not respond to the other bank where I applied. Since moving to the XXXX I 've misplaced the documents showing that I refinanced to a FIXED rate after one year. Communication with SLS has been almost impossible because they have refused to send my mail here. They refused to post important information on their Web site so that I can respond. There are times when it 's taken over 2 months to get my mail transferred from my residence in XXXX, XXXX to my residence here.

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 2017-03-30 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: SMITH, ROUCHON & ASSOCIATES, INC.
State: MS

Complaint narrative:
I, XXXX, completely paid off my medical debt prior to the trial date for the lawsuit that debt collector, Smith Rouchon and Associates ( of XXXX, Mississippi ), filed against me in the Justice Court of XXXX County, Mississippi. 

Despite my full payment - and my being issued a receipt from the law firm for debt collector, Smith Rouchon and Associates, which is named XXXX ( XXXX, Mississippi, as well ) - this debt collector, through its attorneys, still went ahead and obtained a Default Judgment against me. 

In order to obtain this Default Judgment, Smith Rouchon and Assoc./XXXX, went to Court and swore to the Court that I still owed this ( completely paid-off ) medical debt. This was a false certification to the Court. I had paid off the debt, in full, prior to this hearing date in XXXX County ( Mississippi ) Justice Court. 

I did not show up for that trial/hearing date, since I had paid off the debt, and I had a receipt for my full payment. 

Years went by before I discovered that this fraudulently-obtained Default Judgment against me was filed. I only discovered this shocking fact after I was denied for automobile loans, could not obtain a mortgage for the amount I needed, and other severe problems stemming from this fraudulent Default Judgment being reported to the major credit-reporting-bureaus. 

I paid my debt, yet Smith Rouchon and Assoc./XXXX, nonetheless, went ahead and lied to the Court and obtained a fraudulent Default Judgment against me that ruined my credit for years. 

This situation has caused me financial harm, embarrassment, incredible XXXX, and shame.

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 2016-11-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA
State: PA

Complaint narrative:
I XXXX being a XXXX woman trying to better the lives of my family by attending school to become a XXXX, carrying XXXX full time jobs while I obtain that education, find the credit reporting actions of Federal Loan Servicing to be discriminatory to my race. I am not borowing any further student loans as I work XXXX full time jobs, but I do have a great deal of student loan debts that I will start paying on as soon as I complete my XXXX in XX/XX/2017. All of my student loans to date have been deferred of payments. So how can this agency report my payment history as 90-days late from the beginning. I have attached copies of how these accounts are reported with the credit bureaus. I never had to make payments while the loans were in deferment. I can not obtain credit due to the abusive reporting practices of this agency on my personal credit reports. I demand that since no payment history was ever legally established, that all payments histories be purged from each and every account posted on credit. This abusive reporting action must cease immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Reverse Mortgage Solutions, Inc.
State: CA

Complaint narrative:
My XXXX father took out a reverse mortgage through Reverse Mortgage Solutions. When he passed away, our intent was to pay off the loan. RMS never sent notification to the heirs providing the rules, our rights, and asking our intentions, which were to pay off the loan and keep the house. My sister was eventually able to get them to speak with her over the phone and obtain the paperwork to submit stating her intentions to pay off the loan and keep the home. Over several calls she received many different claims as to what paperwork they had or had not received. My brother, the executor, contacted them asking for the payoff amount and received a letter stating ~ $ XXXX. My sister, an heir who had moved into the house, after submitting her intention to purchase the home, contacted them many, many times requesting information about how to proceed and after much avoidance, they finally told her they would have the house appraised and someone would be in touch. We never received the appraisal results or notice that an appraisal had been completed, which is what my sister believed she was waiting for to proceed. Eventually, she found out the house was going to the Sheriff 's sale, but we had never received notification of foreclosure. At that point my sister went to a bank to get a loan for the house, and was told the house had been appraised by RMS for ~ $ XXXX. My sister had more than the appraised value available and went to the Sheriff sale to bid on the home. An RMS representative showed up to the Sheriff sale and placed a winning bid of over $ XXXX, nearly 3 times the amount of the appraised value. My sister lives in the home and has tried very hard to work with RMS to purchase the home ; RMS did not, in good faith, work with her or provide her with the information necessary to proceed with paying off the loan, surely because they would have lost over $ XXXX given the appraised value. The sale is set to be confirmed in court on XX/XX/XXXX, where my sister will contest the sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
Since XX/XX/XXXX I have been in contact with Equifax to correct many incorrect items on my company 's credit report. My company name is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. I requested credit reports on both XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I received credit reports for a XXXX XXXX in XXXX, and credit reports for XXXX XXXX XXXX XXXX in XXXX. Neither of these companies is mine, but I noticed my own company 's good credit items in the other company 's reports. This was true for both company names - XXXX XXXX in XXXX had my ( XXXX XXXX in XXXX ) good credit items, and XXXX XXXX XXXX XXXX in XXXX had my ( XXXX XXXX XXXX XXXX in XXXX ) good credit items. And of course my company in XXXX had many bad credit items from the XXXX and XXXX company. I have attached all of my correspondence to them. They have only responded correctly to XXXX of the XXXX or so incorrect items. My company has been in existence since XX/XX/XXXX. The XXXX company has regularly been confused with mine, but this is the first time I have been aware of the XXXX company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and cannot verify these accounts, under Section 611 (5)(A) of the FCRA - they are required to "...promptly delete all information which cannot be verified" that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I would like to state that Equifax is reporting a lot of duplicate account from XXXX XXXX XXXX XXXX to my account. XXXX XXXX confirmed this as a fact on my previous dispute against their company. Equifax has refused to delete all the duplicate account of XXXX XXXX accounts. I hereby authorized Equifax LLC to release validation of their proof on reporting inaccuracy to my credit profile to the Consumer Protection Bureau immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
The past 6 months I have and been disputing inaccurate information on credit reports. XXXX XXXX XXXX XXXX XXXX, the original source, filed a judement to courts. They have also reported same related information to credit bureaus. XXXX XXXX XXXX XXXX XXXX are actively reporting XXXX account as XXXX seperate entities.One acct. under XXXX, and Civil Judgement as XXXX. XXXX no longer owns the account. A company called XXXX XXXX. has the acct. I filed dispute with credit bureas to remove judgement and other acct. information, based on the fact that XXXX XXXX XXXX XXXX XXXX no longer has said accts.XXXX deleted both disputed accts. Equifax removed XXXX acct. but kept judgement on report as satisfied. After several attempts, XXXX has refused to update either accts. I am still disputing inaccurate information to XXXX with no success and have recently discoverd that Equifax has put previously removed acct. back on my credit report however did leave the judgement as satisfied. Once again, I am disputing inaccurate information with that reporting agency as well. The ordeal with these credit bureaus have caused undo stress and creating unjust. Also, I would like it to be known that both accts being reported from XXXX is showing XXXX different balances as well. I would like to thank you for your time. I am attaching documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Bepensa Capital, Inc.
State: MD

Complaint narrative:
I have sent a letter to them regarding the matter. However, no one sent a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " XXXX. '' on XX/XX/2014 via USPS certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PMAB,LLC
State: DE

Complaint narrative:
PMAB , LLC failed to adequately Validate a collection that was placed on my credit report. 

In XX/XX/2016, PMAB , LLC placed a medical collection on all XXXX of my credit reports. On XX/XX/2016, I submitted, via certified mail, very specific requests to validate the stated collection. Their return correspondence dated XX/XX/2016, did not address the items requested for validation purposes. Therefore on XX/XX/2016, I submitted another letter to them, via certified mail, stating that they 've failed to validate the debt the as requested and compliance was still required. They responded again with only the same documentation as before. So on XX/XX/2016, I sent them an additional letter to request deletion of the collection account on the XXXX credit reports. I also submitted disputes with all XXXX credit reporting agencies. 

To date only PMAB , LLC only authorized deletion from XXXX and XXXX. The collection account, which was not validated, is still reporting on my XXXX credit report. On XX/XX/2016 I submitted to PMAB , LLC my final correspondence via certified mail for immediate deletion of the collection account that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
XXXX has caused me and my Family, Financial Distress and harm, XXXX, irreparable harm ( Loss of home is irreparable harm ( XXXX XXXX XXXX.v XXXX XXXX . XXXX. & XXXX XXXX XXXX XXXX ( XXXX Cir.XX/XX/XXXX : Civ Code 3387 ) by the following actions of Fraud, Deceit, Misrepresentation1 ) Unlawfully Foreclosed while transferring Loan to another servicer ( Dual Tracking violating CC2923.6 ) 2 ) I was denied a single point of contact violating CC2923.73 ) False Documentation Violating CC2924.174 ) Violating standing Requirements CC2924 ( a ) ( 6 ) 5 ) Violating FHA Loss Mitigation Rules ( 24CFR 203.500-681 ) Face to Face Meeting requirement6 ) Improper substitution of trustee ( XXXX v XXXX XXXX Cal.APP XXXX XXXX ( XX/XX/XXXX ) 7 ) ROBOSIGNING Violating CC2924.17 ( XXXX v. XXXX XXXX XXXX XXXX XXXX8 ) Backdating and Invalid assignments CC2924 ( a ) ( 6 ) 9 ) Falsely Stating XXXX was Lender, Investor, Beneficiary.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
Still have n't received XXXX refunds to my debit card for {$5000.00} each back in XXXX 2015 my bank XXXX says they never received them after I contacted PayPal to get the tracking numbers and gave it to them they still could n't find them. I would like a cashiers check or official checked mailed to me to the address on file immediately or I 'm going to sue this company for XXXX in punitive damages and emotional distress!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
I missed last XXXX month payments on my loan due to a divorce process. I contact Green tree llc. to modify my loan. But they deny the loan modification. I tried to a payment arrangement with them but they refuse to work any plan. So i finally able to come up with the full past due amount and schedule to make payment on XXXX XXXX. I spoke with XXXX ( supervisor ) and want her to give me assurance that they will not foreclose my property. She told me she can not do that. She did n't want me send any document that i made the payment arrangement. I am unable to get any email from them to show that i made the payment arrangement. I am afraid that i will pay the full pass due amount and they will still do the foreclose procedure and i will lose my house. Please help me to figure out how to save my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Dream Center Education Holdings
State: WA

Complaint narrative:
I wasted my time and money attending the Art Institute. I am now unemployed and financially ruined. When I first attended I was enrolled in an XXXX month program which I later found out from an instructor that it would not help me qualify for a job in the field that AI advertised the program as so I withdrew. Years later I decided to try school again but this time I enrolled in the online XXXX program at the Art Institute only to find out that the students that had already graduated have no chance at employment with a degree from the Art Institute and that the school was in trouble for the scam they were running. I have since tried to withdraw from the school but their academic counselor treated me horribly for doing so. She also never withdrew me from classes during the first week of the quarter when she was supposed to so now I have to pay for another quarter because she simply wo n't let me withdraw. I 'm currently getting the run around via phone and do n't know what else to do besides continue to try to withdraw and write reviews to warn others about the underhanded tactics of this scam called an Art Institute. I have been ripped off by the Art Institute. They are stealing my student loan money and lying about how much I take out. The tuition and loan amounts dont add up. Something fraudulent is happening here. I have also tried to withdraw and was told that they withdrew me from school but I am still receiving emails from my instructors telling me that its not too late to turn in late assignments so I logged in and saw that I was lied to about being withdrawn so my GPA has tanked and I 'm being charged for classes even after withdrawing. I have talked to other current and former students of the school who are experiencing the exact same thing. This is a scam and needs to be stopped before it ruins more students financial lives. more information can be found at these links. This is another student who experienced the same EXACT thing I am currently going through. They are also switching my financial record around so much that I cant keep track of what I owe for what. XXXX Here are more testimonials from other students who have also been cheated out of education, time and money XXXX and finally, here 's a XXXX group of students who are fighting back that I am currently a part of XXXX Please help us!!!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: One Technologies, LP
State: NC

Complaint narrative:
XXXX and continues to withdraw money from my checking account even after FTC has sued One Technologies. We have never used these companies and do n't know how they got our personal Info. Case # is above ( XXXX )

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation