vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I have been working with OCWEN Loan Servicing LLC Ombudsman 's Office since XXXX XXXX, 2016 in an attempt to correct an issue brought about regarding my loan modification, and incorrect information being transmitting to me by the Relationship XXXX XXXX regarding the status of the modification, and where payments that had been tendered by me on my loan were being credited. The recordings of my conversations with XXXX XXXX from the end of XXXX 2016 through XXXX XXXX, 2016 have been pulled by their supervisory staff and listened to, and verified that I had been given incorrect and false information about my next payment date being XXXX 2016. On XXXX XXXX, 2016, I was informed by XXXX XXXX 's supervisor, XXXX that XXXX , XXXX had " misinformed '' me of where my XX/XX/XXXX and XX/XX/XXXX payments were credited, and they needed an additional {$2400.00} from me to complete the modification. I had been informed XX/XX/XXXX that the modification had already been approved, and had signed the modification agreement as instructed.The issue has gone on for the past 7 wks., and Ocwen does not want to recalculate the figures for the modification since my XX/XX/XXXX payment was credited to " the account '', and NOT towards the modification as told by XXXX XXXX XXXX me, nor was the XX/XX/XXXX payment credited towards the trial payment as told to me. Ocwen has outsourced there customer service in large part to employees in XXXX, but refuses to stand by their misdirection and mistakes. I can confirm this due to a similar problem about XXXX yrs. ago brought to your office regarding misinformation given to me from their XXXX office of a credit of {$2300.00} due me ( according to their relationship manager ), in which Ocwen sent me a check for the supposed overpayment. About 7 days after I received and deposited their reimbursement check into my account, they discovered " inhouse '' that their employee had made a mistake, and they immediately stopped payment on the check and caused over {$3000.00} overdraft in my account. It took almost 10 1/2 months and the involvement of the Attorney Generals Office to force them to stand behind their mistake. THIS situation SHOULD NOT HAVE TAKEN 7 WEEKS AND XXXX SUPERVISORS TO CORRECT, while I am still getting the run around from their supervisors! I am attaching pertinent documents FYI. Their actions in the past case was deemed " illegal '' since it was discovered they had reversed a prior loan payment sent my me to actually " refund '' monies to my bank for the overdraft, INSTEAD OF USING THEIR OWN OCWEN FUNDS. Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK
State: FL

Complaint narrative:
DISCOVER FIN SVCS LL ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX PHONE : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you DISCOVER FIN SVCS LL or any company associate with this account # XXXXand tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : DISCOVER FIN SVCS LL or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
Gmac Mortgage corporation has a lien recorded against the title to my home based on a home equity line of credit that was secured in XX/XX/XXXX. However the loan has been paid in full and satisfied as of XX/XX/XXXX. My county clerks office never received a " lien release letter '' from GMAC. As a result of the XX/XX/XXXX chapter XXXX XXXX bankruptcy filing, related assets of GMAC Mortgage , LLC were sold to Ocwen effective XXXX XXXX, XXXX. My account, # XXXX was acquired by Ocwen on that date. This was verified by Ocwen Account Analyst, consumer Ombudsman, XXXX XXXX XXXX # XXXX. As the successor of GMAC holdings, Ocwen should be able to confirm in their records that the GMAC mortgage # XXXX has been satisfied, and paid in full. Ocwen should also be able to confirm that they have no interest in maintaining a lien associated with GMAC Mortgage # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-31 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: IA

Complaint narrative:
I had a mortgage on my home that was paid off in full XX/XX/XXXX when I sold my house. The mortgage was serviced by Ocwen at that time. XX/XX/XXXX, I applied for a loan on a new property. I was told by my lender that my credit report still showed an open loan on the property that was sold XX/XX/XXXX. Furthermore, the credit reports showed that I had been delinquent on the payments from XX/XX/XXXX to XX/XX/XXXX. I contacted Ocwen and they offered a " Satisfaction Letter '' and told me to take care of it myself. I contacted my lender and the credit reporting agencies, and was told this information regarding loan satisfaction needed to come from Ocwen directly in order to update the files and correct the error. Since then, I have made hours of phone calls to Ocwen requesting that they submit the correct information to the major credit agencies showing that this loan was closed XX/XX/XXXX, paid in full and that there is no delinquent balance. They have been extremely incompetent and unhelpful in getting any type of quick resolution to this matter. They continually tell me that they submitted the XXXX XX/XX/XXXX. This may be true, but it clearly needs to be submitted again with correct details because my credit report is showing incorrect data for the Ocwen loan at XXXX, XXXX and Equifax. This is now costing me and my family considerable time and money and it appears as though our only remaining option is legal recourse against Ocwen due to their gross negligence in reporting. We are talking about a loan of approximately {$960000.00} that they are reporting inaccurately, so a significant amount of money is at stake in this matter. All I have ever wanted to happen is for Ocwen to contact the XXXX major credit bureaus and report the corrected information which is : The loan was paid in full XX/XX/XXXX. 
There is no outstanding or delinquent balance. 

Ocwen has repeatedly proven inept, unwilling and uncooperative in resolving this matter appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-18 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
My original Home Equity Line of Credit was transferred to Ocwen from XXXX XXXX XXXX XXXX. 
The loan was paid in full on XXXX XXXX, 2014. 
Although many attempts have been made, and Ocwen promised to send me a satisfaction of mortgage, it has not happened to date. 
This has costs me many hours of time, effected my credit, prevented me from obtaining loans and is still shows up as a lien on my home.

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

Complaint narrative:
We applied for and received a XXXX loan modification last year in XXXX 2015. Ocwen Loan Service was the loan servicer, it was a truly difficult process. 
We owed about XXXX at 6.5 % payment about {$2900.00}. We were approved, 4 years at 2 %, then 1 year at 3 %, then 1 year at 4 %. Our payment now is about {$2300.00}. 
In XXXX 2015 the loan was transfer/ sold to XXXX XXXX and I received a notification that we were short on our escrow of {$3000.00}. As I dug into the paperwork, I saw a {$2900.00} payment out of the escrow and it looks like it went back to Ocwen in late XXXX. I wrote both companies and complained about the issue and they responded that everything was right. But everything is not right. 

I just sat down to do our taxes and it was reported that we paid Ocwen around {$3000.00} in interest and paid XXXX about {$3000.00} in interest. total about {$6000.00} We usually pay about {$16000.00} in interest a year. I glanced at the statement last night and it looks like the credited themselves about {$9000.00} XXXX XXXX different {$1500.00} payments ) from interest payments back to Ocwen in XXXX 2015 XXXX around the time of the modification ). 
I am currently looking for an accountant or attorney that may be familiar with XXXX rules to help look through this process and see if it was handled correctly? 

I believe that that the HAMP modification performed by this company has been thoroughly screwed up. I would like to know if you have heard of other people complaining or are concerned that Ocwen may have taken advantage of? 

I would be willing to send all the appropriate documentation if there is someone that may be willing to help me go through this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Revenue Recovery Corporation
State: GA

Complaint narrative:
I was involved in a car accident and was not at fault. The claim was filed with the other person 's insurance company. The insurance company never paid the claim and as a result I was held responsible for payment of the ambulance transport. The ambulance fee was sent to collections on my credit report. I paid the balance and it is still showing on my credit report as an unpaid and open collection.

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 2016-10-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: ClosingMark Financial Services, LLC
State: NV

Complaint narrative:
This complaint is linked to a previous case XXXX : My mortgage company has been paying the premium on my homeowners insurance per the initial terms of the mortgage. I have been receiving communications since XX/XX/XXXX that there was a lapse in homeowners insurance coverage from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX and I am being asked to pay the mortgage company over {$4500.00} to obtain coverage for the same period. I have tried to resolve this with the mortgage company through written ( email ) and phone communications yet I have not been offered a proper resolution to the issue. I do n't understand being charged an excess of {$4500.00} to cover homeowners insurance for a less than four months period of time. I have tried to obtain coverage for the period in question on my own, but I am unable to get an insurance company to write a policy for a period in the past. 
Update XXXX/XXXX/XXXX : I still continue to receive notifications from South Pacific Financial that my escrow account has insufficient funds as a result of the above. Please see attached letter where I am now being charges {$2300.00} for the Principle, Interest, Required Escrow and Shortage Surplus spread despite the fact that South Pacific Financial had previously answered complaint XXXX with a statement that they would be making this payment on my behalf. Please reference XXXX for the statement made by South Pacific Financial. I have contacted the mortgage firm via email. My next mortgage payment is due XXXX XXXX XXXX and I need a correction made before then to avoid the overage charge. 
To be clear, this is all the result of negligent oversight on the part of South Pacific Financial. They failed to furnish property insurance for the time period in question. As such, the home had no insurance during the period in question.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
In XXXX 2014, we filed for Ch. XXXX bankruptcy. Our home loan is included in the payment plan. M & T Bank is the mortgage servicer on the loan. My payments to the trustee are automatically deducted from every paycheck ( see " Payment Since Start of Case '' pdf, attached ). We were relocated by my job to CA and rented a home for 2 years. 

Recently, we moved out because the landlord is selling the home. We have been denied apartments because of the BK, and in this area, no one will rent a home to us because of the BK. Our only option for a home is to buy another FHA-financed home, which is justifiable for FHA due to the relocation. We are near the end of our home buying approval process and our new mortgage broker ( for the home we are trying to purchase now ) was notified that M & T Bank has been inaccurately reporting our mortgage payments to HUD, which is preventing the loan from reaching final approval with HUD. 

We called our assigned M & T Bank representative, XXXX XXXX, who admitted a discrepancy with the account. XXXX XXXX says that M & T Bank internally views my account as " in default '' even though I am in a Ch. XXXX payment plan. He could not explain the discrepancy between their alleged claim of default and my up-to-date payment ledger ( continue reading for the name of the attachment ). After I told XXXX XXXX that M & T Bank is violating my rights as a consumer by failing to report accurate information to HUD, which is a governmental agency, management and XXXX XXXX told me that they are referring my case to their attorneys who will communicate with my bankruptcy attorneys. Attached, you will also find a document named " XXXX That document shows that I am not in default, as M & T alleges, and has a letter in which XXXX XXXX admits that my account is current. 

Attached, please find HUD 's response, requesting that we ask M & T Bank to correct its erroneous reporting ( " FHA answer re XXXX ). M & T Bank refuses to rectify the issue and/or send it through the appropriate channels to resolve the situation.

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 2015-04-21 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Bureau of Columbia, Inc.
State: MO

Complaint narrative:
Received a collections notice on XXXX/XXXX/XXXX from Accounts Management Services ( AMS ) regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX " treatment non transport '' calls on my daughter that Medicaid wo n't cover. The bills were sent to an incorrect address until the accounts were listed for collection and then finally sent to my correct address. I asked if XXXX would retract the collection and they refused. 
The run for XXXX/XXXX/XXXX was AFTER my daughter reached the age of majority on XXXX/XXXX/XXXX. Because I was previously listed as responsible party, the bill is in my name. XXXX at AMS stated they could not remove that account until XXXX separated them. So basically, I can claim anyone as a responsible party and they can pay my bills? This is not right. I contacted XXXX and XXXX was very rude. I faxed both AMS and XXXX the court ordered parenting plan stating XXXX parents must split uninsured medical costs and AMS refuses to abide by the order. XXXX at XXXX stated she would attempt to remove the majority call from my name as my daughter would be legally responsible for that run and that she would attempt to bill my ex husband for his half of the debt. XXXX stated she would contact the collection agency regarding this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-03 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Incorrect/missing disclosures or info — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MA

Complaint narrative:
I transferred money via MoneyGram at a XXXX store to my daughter in the United States.  My complaint is that there was no indication of fees until the end of the transaction and never any indication of the basis of the fee.  I couldn't tell if I could save money by sending more or less.  I couldn't tell if the fee was based on the amount I was sending or just a transaction fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION
State: MA

Complaint narrative:
We have a mortgage with M & T Bank and we have been approved for a modification under the HAMP program ; We are grateful for that, however M & T Bank assigns the mortgage to XXXX XXXX XXXX XXXX, and XXXX becomes the servicer of the loan, albeit on a temporary basis. 
Our complaint is that M & T Bank, throughout the HAMP application process and subsequent to successful completion of the HAMP Trial Period Plan, continues to sendout letters and account statements reflecting not only inaccurate financial figures, but also a veritable " blizzard '' of mailings that hit us as very intimidating, alluding to potential foreclosure proceedings. Since M & T Bank has assigned the mortgage to XXXX, they are technically no longer the loan 's servicer, and should not be sending such mailings. 

After much angst caused by the intimidating mailings, calls to XXXX result in our being told to just ignore the M & T Bank mailings, despite that many of the mailings specify that we must respond in writing within a certain time period.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Identity theft/ XXXX, XXXX, 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 2016-12-28 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC
State: MD

Complaint narrative:
I called and cancelled my doctor appointment 24 hrs prior to my appointment. I called back and reschedule my XXXX test few weeks later. I showed up ang gone thru the procedure. I completely paid for the bills. Couple month later, I get new bill for no show for first appointment. I called the doctor office, told them I followed the procedure. XXXX XXXX credit collection refuse to remove the collection on my credit report. They reported a duplicate report and collections on my credit. I disputed both cases wit XXXX, the original dispute case number is ; XXXX and the duplicate case number # is XXXX. The collection are extremely rude and hostile. Both reports has the same amount and dates. How is that possible? Please help. Thanks. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
In having a very hard month and being unemployed and searching for a job, I check my account balance on a daily basis. on checking my account on a Saturday. I saw that a scheduled charge had gone through on that day, which had made the account negative. I had checked the day before, on a Friday, and the account was not negative. on seeing that the account was negative on Saturday XXXX, for the first time, I proceed to borrow {$20.00}, from a friend to deposit, in the account to ensure that the account wont be negative. I never believe that any account should be in the negative, no matter how dire a situation is. 
This action on Saturday XXXX, removed the account from the negative. and all was well. the account was out of the negative. until the following Tuesday after the holiday, to my The bank to my dismay charge me {$40.00}. I am currently seeking employment and have no money to buy food to make. I checked my phone right after I saw the {$40.00} charge ( with no money ) and my account statement indicated incorrectly that I made the {$20.00} dollar deposit on that following Tuesday and not the Saturday of the XXXX. That 's a huge lie!. I have my deposit slip, which proves that the deposit was made on the Saturday XXXX. I then walked XXXX mile to the bank ( no car ) to get an explanation, and they humiliated me, because I am an XXXX XXXX man. any opportunity to humiliate an XXXX XXXX guy who doesnt look " correct '' is most welcome. talking loudly so everyone could here, afterwards then pleasantly dismissing, me. My deposit slip, and they refused to see it. They said the bank ordered them to do so. They didnt care what I had to say. Bank personel must have repeat that they couldnt do anything almost 5+ times. I need my {$40.00}, back as it is all I have left for the next couple of weeks. I am not a liar as they made me out to be. I have my deposit slip.

Company response to consumer: Closed with monetary relief