vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-02 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: First Associates Loan Servicing LLC
State: GA

Complaint narrative:
I attended XXXX AL location from XXXX and took out a PEAKS private loan with the school as they made it seem that was my only option to receive financial clearance in addition to my federal student loans. The school electronically signed most of our financial aid documents without our knowledge. They would call us into the office and tell us everything was already filled out and to agree to terms etc. I am still struggling to pass my XXXX graduation nearly 2 years ago now. I never did trust the school with my financial aide because it was all so under the table and pre-filled out. At this point I am drowning in interest from all the loans I have had to take out to receive my education from XXXX and I do n't feel it is fair for a school that is known for its fraudulent techniques with money to continue to be able to make money from me long after they filed bankruptcy for fraudulent reasons and closed down.

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

Complaint narrative:
We were approved for a loan modification, but our XX/XX/XXXX statement does not reflect the terms of the loan modification. Statement amount shows a payment due of {$240000.00}, but according to the loan modification XXXX payment due is {$3200.00}. We mailed the loan modification agreement and emailed the documents to our relationship manager on XX/XX/XXXX, but Ocwen sent another set of loan modification documents to our home address on XX/XX/XXXX and requested to have the documents sent back by XX/XX/XXXX. I am unsure why the second set of documents were mailed out.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I recently submitted a complaint against Ocwen ( my second complaint against them ) through the CFPB due to an Escrow/payment increase/notice issue. I realized today that after I submitted the complaint to the CFPB, Ocwen chose to reverse my previous XXXX loan payments. I called Ocwen to find out why these payments were reversed and they could n't tell me why. They did assure me that the payments were reapplied to the account. However according to the customer online payment history through the Ocwen website, it does not show the payments were ever reapplied. An escrow review should not require a multi-payment reversal. I feel as though Ocwen is retaliating against me for making complaints against them to the CFPB. 
I have never missed a payment and do not know why Ocwen continues to make things difficult for me to ensure my account is serviced correctly. I am XXXX and I am even having a difficult time figuring out what is occurring and why action is being taken on my account. In my professional experience, inaccuracies and misapplication of funds tend to increase with multiple reversals and reapplication of payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
My Mortgage Company, Ocwen Loan Servicing, has completed my escrow analysis based on erroneous Information. The analysis stated that I did not have flood insurance, when in fact I do, through XXXX XXXX XXXX XXXX XXXX ( as of XXXX XXXX, 2015 XXXX. I have provided proof of insurance via email/fax and have proof my mortgage company received the updated report. Ocwen is insisting I continue to pay the significantly increased mortgage escrow XX/XX/XXXX which I can not afford. I have explained the situation and shown proof of insurance, however, they insist I will go into foreclosure if I do not pay the amount they request. 

It seems to me they want me to go into foreclosure and are unwilling to assist. I will also note that my original loan was with XXXX and was subsequently sold ( unbeknownst to me XXXX to XXXX. 

I do not clearly understand how I can be charged for something I did n't request and already have from another carrier. This is theft in the worst way. I am a minority woman raising XXXX children on my own. I hold a full-time job and all of my children are in school - how is it possible that a mortgage lender can blackmail me in such a way?? 

Please help! 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I have my mortgage loan through OCWEN and for the last XXXX XXXX months I have had multiple phone conversations with multiple people and have not received adequate answers or been able to talk to anyone that can answer my questions. Just have been passed along to others and then back again. OCWEN has had multiple problems as of late and have lost their licenses in multiple states and the CEO stepped down last month amid all the problems.. I currently have a loan I have been paying on for 14 years and have been looking for answers on what options I have to buy out the mortgage for the current appraised value or more. I have modified and refinanced my mortgage and am at a really good interest rate and a short sale is not an option and ca n't get OCWEN to give me a straight up answer on the offer I made them a few weeks ago as a cash offer to buy it out and can not get any answers and keep saying I 'm not qualified but yet ca n't get a outline of what qualifies me to receive help in this matter. I have talked with a couple other people that have OCWEN and they have had similar problems and they have not gotten any answers till they threatened to contact the press then started getting assistance. Which is where I am currently at with the lack of customer service that has been given to my situation. And I am offering cold hard cash and still nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
I am constantly receiving letter 's from Ocwen Loan Servicing. 
About possible foreclosure proceeding on my home. 
This happen is every month. 
I have been on time with my payments, and I am not behind on them.

Company response to consumer: Closed
Consumer complaint received 2015-08-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: AE

Complaint narrative:
I refinanced my house in 2013 with Homeward which then sold the mortgage to OCWEN who then sold the mortgage to XXXX who has now merged with XXXX. That 's XXXX moves in XXXX years, an average of XXXX move per XXXX months. Each of these changes requires hours of work on the consumer 's part to insure that their mortgage payment is going to the correct company. Why are they allowed to get away with this? It is out of control!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
We had OCWEN Mtg. We have fought them for years as they falsely claimed that we paid them late and even at XXXX point, they put a forced policy on our house for false reasons. I have them set on my banks autopay. They get wires before the due dates and they always have. I have written numerous agencies including the XXXX and hiring two attorneys. Our credit bureaus states today that OCWEN has reported us for not paying on time in XXXX, XXXX and XXXX of 2013. Before this, they had me paying late in a month 90 days late. I complained. The removed it, and then we had XXXX that said I was 120 days late instead. I complained. They removed it. On and on we go until today. We call, we refinanced out from under them, so we are not in their system any longer and therefore, there are no options to get a live person. We go through a LOT to get a person who refuses to get us a supervisor. Then we get XXXX who talks circles around us telling us that we ca n't dispute because we were late in XXXX AFTER we refinanced to a new bank. I think he was XXXX XXXX. We got the refinance BECAUSE we showed the new bank proof that they were on autopay and the proof from our bank. These people are malicious. They change information at XXXX with people who complaind. Nuking their company is not beyond the realm of reasonable for me at this point. They have cost us cash out of our refinance that we needed because my wife had XXXX and XXXX she was stopped picking up children in. We needed that money and it is no longer available to us after the new year because property values dropped. Our opportunity is lost. I want these people out of my life forever. I want them prevented from doing this to other people. Their people do n't seem to have a genuine grasp of the language and repeat things and go round and round until you want to take a bat to the phone! I have never dealt with a company that made me want to be violent towards them like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
My mortgage servicer, Ocwen, has flagged my account for the next six months as to only accepting payment in certified funds. This action was due to XXXX insufficient funds transactions within the last six months. No warning was issued or notification of this policy given. Speaking with their customer service is unnecessarily burdensome with multiple account verification at each step, so much so as to suggest a deterrent and not professionalism. I 've been contacted at work numerous times to the point where I requested a note be put on the account for contact after XXXX. Speaking with an " escalation manager '' only resulted in additional frustration. After missing his return call due to being on another line I was unable to reach him that night after numerous attempts. A week later he got back with me and although he called me at my listed phone number he insisted on account verification and was unwilling to shorten the process even after I had identified myself. I do n't consider that customer service, the cumbersome and repeated verifications within their system forces a 10 minute call into 20 minutes. Their policies discourage contact, they institute them without warnings and attempt to harass with phone calls at strategic intervals.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: DISCOVER BANK
State: OH

Complaint narrative:
XX/XX/XXXX Received a call at home phone insisting we pay a Discover credit card debt from XX/XX/XXXX for {$4100.00} which he would reduce to {$1700.00} if we paid today. We asked to mail us proof said it would be {$7.00} per page at XXXX pages. He said he did not have to prove we owed the debt, we had to prove we did n't and if we did not pay before today he would have my husband served papers indicating Docket # XXXX. Threatened judgement with a lien against my husband 's XXXX Ford Thunderbird. Represented himself from XXXX XXXX XXXX XXXX Attorney Firm in Florida. His name XXXX XXXX XXXX and XXXX. Called the next day and gave all the same information to my ill sister we just recently moved in with us and a message to give to me saying if I did n't call back today with {$1700.00} it would be too late and legal action would be filed. I went home from work to call him back because I did not want him having my work number or cell number. I asked him to notify us by us mail. He asked for my email, to which I replied US mail only please. He said " so you want to play that game. '' Tried to talk over me and would not have a professional respectful conversation. I asked him to not call my home again. I told him he broke the law by sharing debt collection information with my sister. I told him as a third party collector he could not call my home everyday. He stated he was not a third party collector, he was with an Attorney Firm. He said " You just blew it because your sister was going to pay this for you ; '' He lied. I told him I called the Ohio Attorney General 's office today to file a compliant. He stated the Attorney General could not do anything to him because they do n't know anything about his business and they had no jurisdiction over him. He told me my new husband was going to ruin my credit because in Ohio I was responsible for this debt even though it was before we were married. I told him to never call our home again. He refused to disclose verification of the debt. He made false statements. He threaten legal action. He refused to give me his address for written communication. He clearly made it known he was above the law and no respect or fear of violating it. I am taking this step because I am a reasonably smart business woman and he was able rattle me. He could easily scam or cause a weaker person dangerous physical stress. Here 's the bottom line. We have good credit. The debt is not reported on my husband 's credit bureau. If he owes it we would pay it but we are not going to give a random person any personal information over the phone. Please advise to what steps I can take to stop this harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: OR

Complaint narrative:
Ocwen Financial continues to call me numerous times per week despite asking several times for them to not call me regarding my mortgage loan unless I am late. I have never paid a mortgage payment late but they insist on calling several times a week to tell me my account is past due even though they know I pay it the XXXX of the month and my statement says it is not due until the XXXX. They call repeatedly until I answer while at work and then continue to call even after I tell them what day I will pay it ( again, ALWAYS before the actual due date ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HW Holding, Inc
State: FL

Complaint narrative:
On XXXX/XXXX/2016 i discovered a collection account on my credit report i did not recognize and have never gotten any correspondence about I immediately disputed it with the credit reporting agencies and directly with the collection company. On XX/XX/2016 i received a letter from the collection agency dated XXXX/XXXX/2016 stating they could not verify and they need more time. On XXXX/XXXX/2016 sent a response stating that I am not allowing additional time and that all collection activity me stop. To this day the account is still on my credit file this is a fraudulent entry due to the fact that I never got any communication about the alleged debt from them and now they can not verify it.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
I had contacted the Justice Dept about this http : XXXX and since I was n't currently in the Military they told me to contact you on this site to see if there was anything else that was done for anyone who " Tried to work with their Mortgage company/bank but went into foreclosure because they could n't get in touch with them. I was dealing with GMAC at the time ( 2008 ) and needed to put a couple payments in the rear in order to take care of my daughter but ended up going into forclosure. We tried to ask for a short sale as well but no response. The Justice dept just thought if there was anything I could look into it would be your dept?? Just thought I 'd ask around. Here is XXXX email from 2008. 
From : XXXX XXXX [ mailto : XXXXXXXXXXXX ] Sent : Thursday, XXXX XXXX, 2008 XXXX To : XXXX XXXX Subject : Ref Loan # XXXX Your File # XXXX XXXX, I got your email address from your company website so if I should be speaking to someone else please let me know. 
This is XXXX XXXX of XXXX XXXX XXXX, XXXX Md XXXX I have been trying " unsuccessfully '' to get in touch with GMAC Mortgage about my Loan. As of today, I 've called XXXX XXXX and XXXX XXXX at XXXX and left her numerous messages. She use to call me back in the very beginning but now I ca n't get in touch with her or anyone. 
I 've sat on the phone for over XXXX, XXXX, XXXX, XXXX, etc..etc ... Noone ever answers and I need help .... 
When I talked to XXXX XXXX back in the XXXX she approved me going through a " shortsale '' process and we 've had XXXX some people look at our house. The price was lowered XXXX and it is still sitting even though XXXX people have come back 3 and 4 times noone has put an offer on it. 
My Realtor XXXX XXXX in XXXX Md, wanted me to find out if there was any way you could help me get in touch with GMAC? I moved my family out into a rental home a mile away and our new address is XXXX XXXX XXXX. XXXX Md, XXXX ... My cell phone is XXXX. I can be contacted on that after XXXX everyday. My wife XXXX can also be contacted at XXXX anytime during the day. 
We are trying to be " Proactive '' but we just ca n't get in touch with ANYONE at GMAC. 
I know they 're swamped but if you can give us any advice, please do ... 
We were even trying to see if GMAC would do a " Cash for Keys '' if that is possible? My home is in beautiful condition as well. 
My Realtor thinks it could sell at anytime but we just need alittle more time. The XXXX was turned off at the home though so I would hope GMAC would want to get that turned back on so the pipes do n't freeze. 
Please, Please, Please call or write me at your earliest convenience ....

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Integrity Solution Services, Inc.
State: GA

Complaint narrative:
My private student loans have a balance of {$130.00}, XXXX. I attended school at a for profit college, XXXX ( XXXX ) in XXXX, GA. I was not aware of the paperwork I was signing as a young adult and I was lead to believe I was signing federal student loans and my loans would n't exceed a certain amount. I did not graduate with a degree in medicine or law so the amount is ridiculous for someone in my field. The lending practices of XXXX in conjunction with the private loan company are wrong and misleading to students.

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 2016-12-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: MS

Complaint narrative:
i was under the belief i was working on remod with ocwen - in fact the day before in mail i had gotten i request for more documents- and they kept telling me foreclosure date was not set it was still open- because of remod- and i believed them and they lied and foreclosed on house and took.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Computer Credit, Inc.
State: TX

Complaint narrative:
Patient received medical care from hospital - referring physician 's partners are owners of the hospital. 

Patient 's insurance was billed for services - but upon inspection, services billed for and/or medical treatment allegedly provided was incorrect and/or not provided. Thus, it appears insurance fraud may have been committed and Patient is in the process of conducting pre-suit discovery. 

That being said, the amount of the debt is disputed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
We had a mortgage loan with ocwen loan servicing llc, we sold the house and pay off the loan at the closing day XXXX XXXX 2015, the same time, we paid all our property taxes, but ( 1 ), ocwen loan llc still withdraw our monthly payment from our bank, after we made several calls, they wired the payment back to our bank but costed us {$30.00} wire fee ( we asked to send us a check ), we asked them to respond for the {$30.00} wire fee, they have not respond yet. ( 2 ), after we payoff our loan, there are {$2700.00} in our escrow account, but ocwen only return us {$330.00}, short {$2400.00}, ocwen said the {$2400.00} paid to XXXX county taxes, but on the closing day, we already paid full taxes, and the closing day is not the day they pay any taxes, now they own us {$2400.00}, we made many many calls, they still do not return our money, and we already called our county tax department, they have not received this payment and will not take it, please help us to get our escrow money {$2400.00} back, every time we call, they say they are working on it for us keep waiting, the escalation officer XXXX never answer our call and return our voice mail.

Company response to consumer: Closed with explanation