vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
This is my XXXX complaint against my mortgage company. For this complaint, I called last XXXX to get information for a Deed in Lieu of Foreclosure. I was told by the agent that I had to attempt a short sale XXXX for XXXX before a Deed and XXXX could be considered. Speeding up on the same subject, about XXXX months ago I requested information for a short sale. The information provided had all work out options including Deed in Lieu. I read the information for a Deed in Lieu and it did not say anything about having to do a short sale. I called again and spoke to a representative and agreed with what the paperwork said. She tried to go back in the notes to see why he would tell me that but she said she said since my account transferred to a new system, she did n't have access to anything earlier than XXXX 2014. How convenient. She said I can still attempt a Deed in Lieu but since my house is already up for sale I just wanted to finish out this option first. After submitting the shortsale information, I received correspondence stating that they received my request for a loan modification and I will receive additional information for what is needed. I clearly filled out the information for short sale and not a modification. I added the information for my realtor and her contact information, giving permission to speak with her. Then I received a letter from an Attorney basically suing me and I had to respond to the Answer, which I did. I called last Wednesday and the lady at the law firm could not find anything for me, not even a file. She transferred me to XXXX which just happened to be a mailbox, I explained I just wanted to verify again that it was received. If not, then I can fax the information over. I did not receive a call back, letter or anything. What I did receive today was a Motion for Default Judgment because I failed to respond. I called the law firm again and they were closed. I called the mortgage company, and of course he had no information on file. He suggested I speak with the short sale department and explain the judgment to see what has happened. He transferred me and they were closed. I ca n't deal with them on my own anymore. I keep trying to do the right thing and just not walk away, and sell the house and not leave it empty, but I still keep getting the incorrect information. That is not fair to me at all. I am trying to do right and have a lot of things on my plate besides this and I am still getting screwed. I do n't have the money to hire an attorney but if I have to I will make sure Ocwen absorbs the cost. I have done everything I was suppose to do and I still get sued.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
First my mortgageisnot behind and hasnt been behind for a while now. Since XX/XX/XXXX my payments to my mortgage company Ocwen has been rejecting my mortgage payments and treating me as if I am not making payments. I was first told that it was a NSF problem, I didnt investigate it because I had an issue in the past where I had to shuffle my accounts and paid my mortgage on the wrong checking account - I took responsiblity for that error and agreed to the fees, etc.. My account had gotten behind and I used XXXX XXXX get my funds to Ocwen same day and apparently that is the only way I can submit payments since XX/XX/XXXX ( so I learned yeserday ). I was never informed of that unitl XX/XX/XXXX. I have been told it was returned for NSF, then I entered the wrong check numbers ( when they dont even request check # 's online ), then I am using the wrong account number. I suggested several times to them to check and see if my account has any flags and it didnt matter because as long as I have been a customer of Ocwen for many years and XXXX thing is clear, the customer service team ca n't help anyone. I advised the company repeatedly that my account seems to be flagged for no online payments, and every customer service person I spoke to advised me that is not true and continues to advise me to send my payment XXXX or XXXX XXXX. It cost {$40.00} each time to send money, then I am taking on another nsf fee of {$37.00} and my credit score is impacted by being reported late which hurt me when I purchased my new car recently. I have never gotten an XXXX on the phone so I am not sure if there is a language barrier becaseu the urgency of my issue is not being acknowleged or what is the problem but I have been told they would escalate and get back to me, I have asked for managers and I have been lied to that they are transfering me to a manager and I spent XXXX minutes with another representative. I am out of almost {$300.00} worth of fees and then my credit score hgas been impacted as if i am not paying my mortgage, when in fact I am paying it and they are rejecting my payments. I can not go another month waiting for them to fix this issue, I just cant afford to pay XXXX again. I need to speak to a managment level employee to resolve this issue once and for all. I ned Ocwen to provide me the same information every time I talk to them and answer why my account information is not accurate. The customer service number is manned by mindless robots who can not assist real problems. I sent an email to relationship manager and several online emails o Obudsmen. with no resoltion. It is hopeless. Is there anything I can do about this?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: NH

Complaint narrative:
We modified our mortgage XXXX once in XXXX and again in XXXX. Somewhere in that process our current mortgage servicer Ocwen, ( who absorbed our previous mortgage lender, Litton Loan Servicing LLC ) lost documentation regarding those modifications and now claims we owe {$40000.00} and they have issued a lien on the title. 

Facts : We have documentation showing that Litton Loan originally purchased our mortgage from XXXX in XXXX. This mortgage was an " XXXX '' split, attached documentation shows Litton purchased both " parts '' of the mortgage. 

Between XXXX and XXXX we modified the loan with Litton because of inflated interest rates and a payment we could n't afford. the modification was completed and our mortgage was then placed with Ocwen as a result of the government shutting down Litton Loan for bad business practices. Litton Loan had a difficult time during this process answering our phone calls and responding to our requests for documents. 

Ocwen then odified the loan for us again after taking over for Litton because the property was not worth anything close to what was owed. In fact, at that time they forgave more than {$98000.00}. We have the XXXX cancellation of debt, tax information, forgiving that amount as proof. This was complete late in XXXX. Interestingly, Litton never issued this documentation to us, we did not realize this was a requirement they should have fulfilled until we received XXXX from Ocwen. 

During this time we have never been contacted by either Litton or Ocwen to say that we owed an additional amount of {$40000.00}. In fact, we specifically asked time and again if we would ever be attached the amounts forgiven in either modification, to which the answer was always " no ''. 

Ocwen also claims to not have certain paperwork that we have requested, paperwork that should have been record given to them when they absorbed Litton. 

Now, we have sold the property and are trying to close on XXXX XXXX, XXXX and need a discharge of debt because there is a {$40000.00} lien on our title, which Ocwen refuses to issue and claims they have no further information on. Their research department was being cooperative and about 1 week ago they stopped helping us. 

We therefore are requesting help in compelling Ocwen to issue a discharge of the {$40000.00} debt and are filing a complaint against the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Ocwen continued to report on my credit after they were paid and after the foreclosure. Everything was complete on title and all the documentation shows 2015 and they continued to report after that.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
my complaint is against ocwen mortgage. I refinanced my loan XX/XX/XXXX. at the time I did not have my taxes and insurance escrowed. I sent the required documentation to get my taxes and insurance escrowed. this year I receive a late notice from the tax assessor. I call ocwen to find out whats going on since my statements clearly show that money is escrowed for taxes and insurance on my statements. first call states I do not have an escrow account, second call ocwen states I only have insurance taken out. I call my insurance company and sure enough they have not been paid. third call to ocwen I am told the money escrowed was for an advance on the insurance from the previous year. I never asked them to advance anything just collect taxes insurance for an escrow account. they claim they sent me a letter stating my escrow account was originally denied. I never received this letter nor did I ever ask for any type of advance on the previous years insurance. I was under the assumption that my taxes and insurance were being escrowed once the escrow started. in addition when I asked to speak to a supervisor I was told XXXX the supervisor would call me back. when I asked for his extention I was told I cant have it. it takes at least a day or two for ocwen to call me back each time I leave a message. I constantly keep getting different answers from them regarding the escrow account. I am not even allowed to speak directly to the escrow department. I am now in a position of have to pay {$1100.00} in taxes ( plus late fee ) and another {$1400.00} in insurance that all along I thought was being escrowed. I also asked ocwen to pay the taxes and insurance and set up the escrow properly. I received an email from them stating they could not because the taxes and insurance were past due. naturally they are past due because I was under the assumption ocwen was paying them. I would appreciate any help in this matter

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 2015-08-30 00:00:00
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Allied International Credit Corp., (US)
State: KS

Complaint narrative:
I reached an agreement with Allied International Credit to pay on a XXXX student loan. The agreed upon amount was {$300.00} per month and began in XX/XX/XXXX. I set up this amount to pay to AIC via the " bill pay '' service offered by my bank. This amount was paid every month. 

I contacted AIC in XXXX to request an accounting of payments and amount remaining on the account. AIC told me that XXXX had " recalled '' the account in early XX/XX/XXXX. Neither AIC nor XXXX informed me that the account had been " recalled '' and the AIC CSR said neither was required to do so. I contacted XXXX who verified that it had recalled the account in early XXXX. However, since I was unaware that the account had been recalled, the automatic bill payment continued on XX/XX/XXXX, and XX/XX/XXXX. I have been attempting to get AIC to return to me the {$600.00} overpayment. AIC claims their accounts do n't show any payment, which I believe to be a lie. I provided documentation to AIC proving that XXXX {$300.00} bill payments were made to AIC after XXXX recalled my account and now AIC and its CSRs wo n't answer or return my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: MS

Complaint narrative:
My name is XXXX XXXX and I purchased a home in XXXX and was given a ARM mortgage with the XXXX when I complained about the Arm and requested a modification in XXXX the XXXX transferred my Mortgage to XXXX and I tried to contact XXXX but did not receive any response and the mortgage was transferred to a number of mortgage servicers when XXXX the mortgage was transferred to XXXX servicer and XXXX the mortgage was transferred to Ocwen Loan servicing Inc. I never knew who had my mortgage and no one communicated with me in reference to my mortgage and XXXX XXXX I received a letter from an Attorney XXXX stating that he represented Ocwen and that he had published in the local news paper notice of foreclosure I had not received any communication from Ocwen whatsoever the only communication from Ocwen was from this attorney XXXX i filed a cease and desist later in may and demanded any and all paperwork from Ocwen and any other group or company they sent some paperwork along with another letter informing me that they were still going forward with the foreclosure process and because I had no communication with Ocwen and because Ocwen did not contact me with any options and i believe that my loan was robo signed, and I was a victim of predatory lending practicing and denied any form of communication with any options failure to give proper notice and because Ocwen acted in bad faith violated the Fair Debt Collection Act and the Consent Decree in which they entered into with this very Agency for alleged misconduct in XXXX XXXX, XXXX filed a pro se complaint in XXXX XXXX XXXX XXXX XXXX asserting the fore mentioned violations bearing cause Number XXXX my email address is XXXXXXXXXXXX phone number XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I submitted a Complete short sale package/Offer for {$28000.00} on XX/XX/2016. Ocwen/servicer for the note for XXXX of XXXX sent a denial on XX/XX/2016 that stated the offer was too low. I sent an Increased offer the same day XX/XX/2016 for {$290000.00} which is closer to the BPO amount of {$330000.00}. On XX/XX/2016 Ocwen sent another denial letter stating the offer was too low and to submit a higher offer. on XX/XX/2016 i submitted an offer of {$310000.00} and then again a full price offer of {$330000.00} the same day in case they denied the higher offer and yet again on XX/XX/2016 they denied the offer due to a confirmed sale date set for XX/XX/2016. I feel that Ocwen has been purposely been delaying this short sale approval as they have been servicing this loan for well over 5 years for the purpose of continuous servicing fees to the note holder. This is unfair and should be looked into and the home owner is in complete shock as to why they would continue with a sale while we are in final stages of negotiations. This truly makes no sense?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Atlantic Credit & Finance, Inc.
State: TX

Complaint narrative:
I purchased furniture at XXXX XX/XX/2015 via XXXX XXXX mos. no interest if paid in full in 12 month 's. I rec 'd a letter in the mail on XXXX/XXXX/2015 from XXXX XXXX stating that the acct. was charged off and sold to XXXX XXXX XXXX. Company as a collector. I never once rec 'd any bills, phone calls, emails from XXXX 's or XXXX Bank prior to account being sold. When I rec 'd the letter, I called XXXX 's and XXXX, neither were willing to help me. 

I had absolutely flawless credit until this. I had no intentions of not paying. I was not given the opportunity to pay. I am very upset after 34 years of excellent credit to have this happen. I would like to see this issue resolved Fairly without damage to my credit.

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 2015-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Berman & Rabin, P.A.
State: TX

Complaint narrative:
Good day, I received a call today that I could not answer from Berman and Rabin PA in Kansas. They then immediately called my father and told him they filed a suit against me - disclosing information to a 3d party.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: VA

Complaint narrative:
i got an email from this person XXXXXXXXXXXX she pretend she was buying me furniture and said she would pay via a certified check that she mail to me i deposited it to my account then i send money supposedly to the movers in the XXXX to the headquarters. To XXXX XXXX now the bank has place my account on hold because the check was declined. Now i have to pay back all that money to my bank. Whoever this person is scam me!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: ID Analytics, Inc.
State: GA

Complaint narrative:
Sagestream LLC is reporting negative credit information, I want info removed and them removed from reporting, thank you XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: GA

Complaint narrative:
My sister received a call from XXXX and the representative XXXX did not provide any information on where she was calling from. After my sister told her not to call for me on her phone, the representative continued to ask personal questions such as : what 's her husband 's name? Where does she work? and when my sister refused, the s rep said " it 's in her best interest to call sooner than later before further legal action is taken ''. I have no dealings with this company and have never heard from them. I 'm also monitoring my credit report and there 's no information here which indicates they should be calling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: M&T BANK CORPORATION
State: TX

Complaint narrative:
I have a boat loan with M & T Bank. The required monthly payment is {$370.00}. My loan balance in XXXX XXXX was {$34000.00}. Since XXXX XXXX until XXXX XXXX, XXXX, I 've made {$3700.00} toward this loan. I usually make {$200.00} every two weeks. I have not checked on my loan account because I thought I have made monthly payment more than the requirement. Today I checked on my loan account online, and I found out my loan balance is still same as in XXXX XXXX, which is {$34000.00}. My loan balance has not gone down even a penny. All my payments made to this loan went straight to interest, not a penny was deducted toward my loan principle. I called and asked them why all my payments went to interest, nothing has gone to the principle. They told me all my payments of {$200.00} did n't meet the required minimum payment of {$370.00} ( even though my monthly payment was {$400.00} ), so all payments of {$200.00} went to interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: M&T BANK CORPORATION
State: DE

Complaint narrative:
2 years ago I went into a payment program when the house was going into foreclosure. I was not able to get the final payment in and was 3 days late they would not accept it till you called. It almost went into foreclosure again last winter but was able to pull out of it. They never disclosed to me there would be evaluation fees involved so two years later I receive a bill for {$470.00}. This is clear extortion of the customer and they will not waive the fees they never told me about. This bank has a history of this behavior and it needs to stop. We are current on this account and for the first time in a long time we are financially sound but can not afford for the bank to continually charging fees that we were never told about. This financial institution needs to be fine heavily and continuously and this will stop. please contact me for further details at XXXX. I want these fees waived and they need to be held accountable because this is more than ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
Moneygram has blacklisted me and will not let me send money across the street let alone anywhere else purely based on conjecture with no evidence of proof or eyewitness testimony! 
Dear XXXX XXXX, Thank you the letter you mailed to our corporate office dated on XXXX XXXX 2016, detailing your concerns associated with MoneyGram XXXX. 



You have complained that MoneyGram has refused service. 



Please be advised that in order to protect the safety of our customers, and to meet our compliance requirements, MoneyGram actively reviews transaction amounts and frequencies and will, from time to time, put restrictions in place to safeguard our consumers. MoneyGram retains its rights to process or decline any transaction sent through its system at any given time when it does not feel comfortable with the purpose of the transaction and/or sending/receiving activities of the customer. 



After reviewing your send activity, MoneyGram Compliance Department determined that your transactions raises several red flags concerning the activity. Due to this reason, your name was placed on restrictions in the MoneyGram system which disables you from using our services. This decision was made after careful consideration and can not be changed in the future. We apologize for the inconvenience. 



Providing first class service is one of our main priorities. Again, we are sorry you encountered any inconveniences with our service. 



If you have any questions, you may contact us directly by e-mailing us at XXXXXXXXXXXX. To assist us in addressing your inquiries efficiently and promptly, please reference case number XXXX in any future correspondence Regards, XXXX XXXX XXXX - Resolution Assurance ______________________ MoneyGram XXXX p : XXXX f : XXXX XXXX XXXX , Texas XXXX , US

Company response to consumer: Closed with explanation