vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: First Associates Loan Servicing LLC
State: TX

Complaint narrative:
I enrolled at XXXX XXXX, under the premise of a better opportunity and advanced learning. Once enrolled I quickly saw how the institution was a joke. Teachers passed you with no problem as long as you showed up for class. I did not want a free ride, I actually wanted to learn a skill that I could utilize in the work field. Once I saw this I began to look elsewhere for schooling and then learned the bulk of my credits were non transferable, and that most employers do not consider XXXX an accredited school. This is not the message I was given when I enrolled. I was told how employers consider graduates the cream of the crop and finding a job would be no problem. Once I left I then could not enroll in another school due to the fact I now had tremendous debt from my time at XXXX. The loans taken out were predatory with outrageous interests rates, which I learned most of the students end up in default on. My credit has been largely affected due to delinquent payments and I see no clear way out in sight. XXXX is very corrupt and dishonest with the facts stated in order to coerce students into enrolling. Exaggerated graduation and job placement rates, as well as knowingly convincing students to take on huge debts that they will more than likely not be able to repay. These actions should be criminal. Now I am constantly being called and harassed by XXXX Private loan, the agent assigned to my loans with exasperated demands of payment. There must be something done to assist the thousands of students like me who simply wanted to better themselves and we 're taken advantage of.

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 2015-05-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
I am a new homeowner and have only had a mortgage since XX/XX/XXXX. My mortgage was sold to Ocwen Loan Servicing LLC . Almost immediately after closing, I received a letter from Ocwen Loan Servicing LLC, stating that I did not have homeowners insurance, even though it was a requirment to get approval for a mortgage. The letter stated that if I did not show proof of insurance, Ocwen Loan Servicing LLC would purchase homeowners insurance at a cost greater then if I had purchased my own homeowners insurance. I contacted my insurance agent and requested that they get in touch with Ocwen Loan Servicing to present proof of insurance. To cover all bases, I also sent via certified mail with return receipt, proof of my insurance. This problem was resolved but after much hassle and stress. Ocwen Loan Servicing LLC just made a large settlement in a class action lawsuit in Florida for receiving kickbacks involving this same exact insurance scheme. 

Next, in XX/XX/XXXX Ocwen incorrectly paid the XX/XX/XXXX real estate tax, even though I closed on my house XX/XX/XXXX, which brought my escrow balance with Ocwen to a negative balance. To rectify this problem, I made an additional escrow payment via check and Ocwen 's payment coupon. When Ocwen received this additional escrow payment they applied it incorrectly as an additional principal payment, leaving my escrow account as a negative balance. Since Ocwen did not apply my additional escrow payment correctly, my monthly payment due has risen and is creating unnecessary financial hardship & stress. 

This is my now my third issue with Ocwen Loan Servicing LLC and I have only been a homeowner for four months.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
I have been paying my mortgage faithfully with Ocwen Mortgage for more than 2 years, I recently discovered they were not reporting my payment history as they are supposed to. 
I 've been in contact with all XXXX agencies of credit reporting bureaus. Ocwen. assured me each and every time that they have been reporting, however they are not reporting per my credit reflections, in return driving my credit score down by more than XXXX basis points, preventing me from refinancing my home. My loan is a fixed interest XXXX Mortgage. 
I have sent numerouse letters and received letters stating as such ( they have reported to all XXXX bureaus ) THEY HAVE NOT ... 
I 'm at wits end and very frustrated, It 's my understanding that per XXXX reviews on this company this is a ongoing problem and people are just as fed up as I am. 
So I ask how can the CFPB and FTC allow this company to operate in such a rogue way? 
There are many suits and complaints out there but yet, nothing is done about it. They are still treating their customers in a way that is operating against the law. Amongst other severe violations that have been documented. So once again how long can the Law continue to ignore this companies breaking of many laws?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
My uncle had a mortgage loan that I believe was bought out by Ocwen when he passed away in XX/XX/XXXX. I qualified as his administrator with the local courts and notified Ocwen accordingly. Soon after, the heirs to the estate then gifted the home to me. I sent Ocwen my uncle 's death certificate and a copy of the certificate/letter of qualification so that they could speak with me about the loan. I tried calling multiple times requesting information as to what I could do to keep the home, that has been home to me for now 40 years. My contact efforts with Ocwen began XX/XX/XXXX and after many failed attempts to speak with someone that could help me, I hired a lawyer who helped me do a short sale application on the loan. I hired an independent appraiser to appraise my home and he came back with an appraisal showing $ XXXX. After sending the short sale application multiple times, we still never received any acknowledgement from Ocwen. On XX/XX/XXXX, years later, I received a certified letter dated XX/XX/XXXX stating that my home will be sold at public auction on XX/XX/XXXX at XXXX I contacted my attorney, who then called XXXX XXXX XXXX, advising that we had submitted a short sale application several times to Ocwen over the years. We were advised to send it again and we did. On XX/XX/XXXX, I received a letter about a conditional short sale approval and the auction was canceled. A couple of weeks later, I received a call from an appraiser on behalf of Ocwen stating he wanted to come out to appraise my home. He did and he came back with an appraisal of $ XXXX. Now this is odd, because there has been no renovations to the home since the initial appraisal. Finally, Ocwen responded advising that I did not qualify for the short sale because I am family. Ocwen has been impossible to work with and has caused more stress than I can tell you about. I have made every attempt to work with them with hopes that I could purchase and keep my home ; however, I am still in limbo not knowing what will happen next. They know that I have a vested interest in the home not only because I live in the home but also because my grandmother 's and my uncle 's graves are here at the home. It has been years and I am no closer to resolve than I was in XX/XX/XXXX. Ocwen 's business practices are horrible. To say this is a business, there is no sense of urgency to resolve a matter. I have made every attempt to resolve this but all I get is " crickets '' and years later, a foreclosure letter. Now I sit in limbo yet again. I need resolution so that I can move forward with my life living in MY HOME.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Healthcare Financial Services, LLC
State: MS

Complaint narrative:
URGENT! ACTION NEEDED : False representation, unethical behavior and consequent actions of a medical facility and health corporation along with padding medical costs, etc. : I went to court yesterday, at XXXX in the XXXX County Justice Court in XXXX , Mississippi , an attorney with Healthcare Financial , the legal representative for XXXX XXXX Hospital presented legal proceedings against me for medical bill debt collection. It was at XXXX XXXX Hospital 's Emergency Room where last summer, in XXXX, I received Emergency Room medical services, one, in XXXX machine for XXXX which skyrocketed the bill, and Paid {$40.00} on bill and was not reflected at court, XXXX, Tuesday, XX/XX/XXXX. So, before any collections, my bill was paid before judgment and notice, why should I now after court and stating my case face financial repercussions. There in Justice Court, the Judge XXXX XXXX ruled in favor of Healthcare Financial ( XXXX XXXX Hospital ) in a ruling of over {$1100.00} in ER medical costs ( the original cost, not reflecting the {$40.00} paid while in good standing-UNFAIR to turn over to collections ), court costs and attorney 's fees, even though Healthcare Financial with their paperwork quoted me as owing the entire amount of the medical bill, not giving credit nor taking into account the {$40.00} I paid back in XXXX to the XXXX XXXX Hospital and I have my receipt. The original medical bill only, after I paid {$40.00} in a good faith effort was {$850.00}. Early on in summer XX/XX/XXXX, less than a few weeks after receiving services, I contacted the hospital requesting to make payments of {$10.00} to {$20.00} a month and more when I could afford to and was declined. I was told the least payments the hospital would accept was {$40.00} a month. With all my tons of bills, I struggled to make any payment, yet, while my medical account was in more-than-not, in good standing. I told the attorney I paid {$40.00} on my medical bill, and she said to me in the presence of the judge, " You should n't been able to pay them. They should n't took a payment from you. '' But they did! And I have the receipt from XX/XX/XXXX. However, in Justice Court before all speaking aloud, the attorney for Healthcare Financial-XXXX XXXX Hospital said after I asked the Judge, XXXX XXXX could I continue on making payments or more affordable payments to the hospital and the attorney said I could pay a COLLECTION AGENCY, and the damage has already been done. I was more than not devastated. The attorney did not take into account the {$40.00} payment and asked for better arrangements, therefore my account should not be turned over to collections in such unethical and credit not taken into account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-30 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: CA

Complaint narrative:
I paid this contested parking ticket months ago and it was still sent to collections. After the first collection attempt I followed the instructions to prove the debt was paid and they are still attempting to collect it from me. When I call their phone number provided and attempt to speak to a human it hangs up on me every time. I want this stopped before it wrongly affects my credit. I have complete proof that the debit was paid and that the amount demanded is not correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: KY

Complaint narrative:
We have a mortgage with Ocwen. Our mortgage, with escrow payments, was {$1100.00} per month. They undercharged us on our escrow, and now, suddenly, they want {$1500.00} per month to make up the difference. This is a substantial change that significantly reduces the affordability of this mortgage and, potentially, could result in any consumer 's being thrown into the realm of possible default. Is this a scam, or what?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
I was sent a modification agreement by Ocwen. I completed the agreement and was told foreclosure was stopped. Discussions were misleading about a foreclosure hearing for another 30 days after foreclosure had occurred. Finally 30 days after the hearing had occurred and I had been discussing my loan modification they still said I could go to the hear. I have voice recording telling me the hearing was the next day at XXXX. I went to court on that day and time. I was told and found out the hearing had already occurred 30 days earlier. The house had already been foreclosed. I did not get to go to the hearing neither pursue other legal remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-30 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I have applied for loan modification with Ocwen Loan Servicing back In XXXX of last year ( XXXX ). Throughout this process, they kept losing my documents and kept asking me to resend everything to them over and over again. They would make appointments for my relationship manager to call back and often they were either late or someone else who did not know much about my situation would call back. 
Every time I would submit whatever they have asked for I would get emails asking for the same stuff over again. Finally after taking over 6 months to process everything they told me everything has expired and I have to start all over. I had contacted them again and my Relationship Manager said : Dont you worry Sir, I will fill out paperwork again for you and all you have to do is esign it electronically. So that was done in the beginning of XXXX. Then I called her again and she told me everything is complete, it all looks excellent and you should get your modification within XXXX to 60 days. That is how we left it off. 
Needless to say I received XXXX letters from them shortly after : XXXX dated XXXX/XXXX/16 - Your File is complete and decision will be be made within 30 days XXXX dated XXXX/XXXX/2016 (!! 1 day later ) Your Loan Modification is denied because I did not show enough hardship???? - keep in mind their relationship manager filled out my paperwork in XXXX ( or somewhere off shore ) - and I have I have only XXXX options that they approved me for. ( short sale and deed in lieu of foreclosure ) XXXX letter dated XXXX/XXXX/XXXX (!! XXXX more day later than that ) - stating that Loan Modification is denied and there are NO OTHER options available As you can see, they have completely show here that either no one even reviewed anything in details ( XXXX letters in 3 days span ) or they have no intentions to grant modifications to anyone, never mind I was given illegal neg amort loan with robosigning and MERS. 

Yes true I received XXXX modification through HAMP before, but my spouse was XXXX after that and our lives were changed upside down after that event. She ended up having 6 months XXXX. This process required a lot money spent for co pays and services that were not covered by the insurance company. 
It is all better now and I am able to start making payments per terms of my original modification. However, OCWEN LOAN Servicing is acting in bad faith and not willing to even listen to me. 
I hope that CFPB can interfere and make things right here, I want to start making payments and put balance that I owe to the back of the loan. Please see what can be done!!! 

Thank you!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
They are charging me interest on {$80000.00} when my current principal balance is {$65000.00}. I have contacted them several times they refuse to acknowledge this problem let alone make any changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Ideal Collection Services, Inc.
State: FL

Complaint narrative:
IDEAL COLLECTION SER ACCOUNT NUMBERs : XXXX AND XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 IDEAL COLLECTION SER or any company associate with this account # XXXX XXXX and 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 : IDEAL COLLECTION SER 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 XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Ocwen has reported me late on a couple of my mortgages on XXXX different occasions, yet I made every single payment. The problem stems from them changing the amounts due. I have my XXXX mortgages, a XXXX, and a full-time job to run, and as such I receive upwards of XXXX pieces of relevant mail every month, so reconciling each and every figure against my automated bill-pay amounts, will occasionally result in incorrect amounts. This is NOT the same as missing a payment. In all bad reporting situations, my payments were more than sufficient to cover the due interest and principal, but there was a shortage on the escrow payment. Escrow payments are projected estimates. When Ocwen overestimates the escrow, they send me a check at the end of the year, without interest. When I underpay my escrow, they report to the credit bureaus that I MISSED a payment altogether! How is this justified that they can overcharge escrow, but when I miss a fractional amount of an escrow payment, they can penalize me like I 'm completely irresponsible and destroy my credit?? I 've appealed to them but they respond with robotic zeal and refuse to accommodate me. Other banks send ebills to my bank so the payments adjust automatically ; and if you miss a payment with any other lender, they give you a courtesy call to make you aware of the change in payment amount. Not Ocwen, they have nothing but paper bills ( what century is this?? ), and if you 're XXXX cents below the amount, they just destroy your credit with not a warning whatsoever. Because of this company, my credit remains damaged to the point that I can not refinance, causing me to spiral out of control in my debt as the ARMs adjust. Ocwen will put me into bankruptcy because I was short a few dollars on my escrow payment! Please help me end this bludgeoning.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-15 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
We ( XXXX ) put in 3 offers to purchase XXXX XXXX XXXX in XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX. MLS listing # XXXX with XXXX XXXX. Owner -XXXX . Short Sale purchase. XXXX XXXX has the mortgage & Servicing agent is Ocwen Loan from Florida. We have submitted ( 4 ) proof of funds from XXXX in our names & our XXXX, XXXX XXXX. We have had XXXX purchase & sale agreements with XXXX having a closing date of XXXX XXXX, XXXX. The purchase price of the property was agreed to be {$180000.00}. Our Att. XXXX XXXX discovered a Mass. DOR Lien on the property of {$16000.00}. In addition to the two other liens totaling {$16000.00} We asked for an extension so that this would be cleared prior to our closing date. We were denied the extension so we had to start the entire process again. Our case manager with Ocwen is XXXX XXXX. Loan # XXXX. After filing the paperwork for the 3rd time they denied our offer of {$180000.00}. We had to re-submit a new offer of XXXX. They denied this offer as well. How can this company do this when the {$180000.00} was agreed on back in XXXX XXXX, XXXX? This does not seem like a ethical business practice. We have discovered that this property ( XXXX XXXX XXXX, XXXX XXXX, MA. XXXX ) is now going into foreclosure on XXXX XXXX, XXXX! We have been trying to secure this property for two & 1/2 years now. We want to buy this property for the agreed purchase price of {$180000.00} with a clear title. I can be reached at XXXXXXXXXXXX. or cell phone at ( XXXX XXXX )

Company response to consumer: Closed