vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
Dear Sir/Madam : XXXX 2015 I applied for a mortgage at your XXXX Branch located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. I received a pre-approval letter for {$200000.00}. A few days later my offer was accepted for a property located at XXXX XXXX XXXX, XXXX XXXX. I then went to your branch and together with XXXX XXXX XXXX, I filled out an application at this time I was assure that my loan will go through. One week later, something had happened to my application and we had to re do it. Once again I was assured that everything looked good and the loan should be approved. Therefore, I order an Inspection of the property. A few days later, XXXX XXXX said to me that there was an issue with my debt to income ratio because of my property in XXXX, XXXX and that the lease for {$2400.00} starting 3 days after the schedule closing of the property in NH could not be accepted because of no history of payments. XXXX XXXX called the Mortgage support group and explained that the reason there was no history of payments was because the lease was knew. The mortgage support team told XXXX XXXX that it would be XXXX. then. Once again I was reassured that everything was fine and to go ahead with the inspection. Then on XXXX XXXX, I received an email that was sent by the underwriter to XXXX XXXX that my mortgage had been denied. I asked XXXX XXXX to speak to the underwriter and find out the reason. The underwriter told XXXX XXXX that it was the debt to income ratio. The underwriter had not accepted the lease for the property in XXXX. I asked XXXX XXXX to speak to the underwriter again since the mortgage support team that assured him that the lease would be accepted. The underwriter went to her manager and there was no hope. I received the letter of denial. 
Not only did I waste time but also money and XXXX. Someone dropped the ball at your bank and the least your bank should do is reimburse me for the inspection report charge of {$510.00} ( it included a Radon test ). 
Thank you for your consideration I would like to continue doing business with you and keep my account with your bank depending on your reply. 
XXXX XXXX offer to reimburse {$100.00} to which I said no since the least they can do is reimburse the total of the Inspection charge. I went to the XXXX Attorney General and their office directed me to go to you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I am presently working to refinance my XXXX Mortgage and in the process it has come to my attention that my servicer ( OCWEN ) seems to employ a potentially unfair and deceptive practice when it comes to managing my escrow deposit. I was asked by the prospective lender to provide proof that the taxes were paid. I was embarrassed to learn that despite having the funds meant to pay for the taxes taken out of my escrow account on the XXXX of XXXX, the County Tax Collector has yet to receive the funds. As a result I can not substantiate that the taxes have been paid as of this writing. While the tax payment will not be delinquent until the XXXX of XXXX, I am out the funds and the taxes have not been paid. I assume the funds are sitting in the servicer 's transit account waiting to be paid and have been for at least 10 days. I phoned Ocwen this morning and spoke with the Call Center in XXXX and they informed me that the funds were sent electronically and they will research the matter. 

FURTHER HISTORY : Remember the funds were withdrawn from my escrow account on the XX/XX/XXXX. I spoke with the County Tax Collector today XX/XX/XXXX, and they informed me that my current payment remained due. Further, last year the County collected the tax payment from the servicer 2 days before the penalty free due date XX/XX/XXXX. Out of curiosity I traced the payment history back to the servicer statements covering my escrow account, which are available to me on the website and they show the money came out of my escrow account a full month before it was remitted to the County in XX/XX/XXXX. Presumably Ocwen saved some interest expense by taking the funds early and remitting them at the last minute.. 
The tax division here in XXXX County indicated that over the past few years my servicers habit has been to pay 2 to 4 days before the penalty free due date. While the servicer changed in the last couple of years from XXXX XXXX to Ocwen I can say for certain that Ocwen removes the money from my account well in advance ( 30 days ) of paying the funds to the County. 
This is very interesting and it appears that they have a systemic process which allows them to remove funds from the customer impairing the customer 's flexibility and taking away 30 days interest at the same time. While this may be a small amount of interest to any XXXX customer it would seem to add up to a big cost savings to Ocwen. 
For purposes of closing my refinance transaction it may end up that I will be delayed or have to pay the taxes out of pocket to close the transaction. I have an interest rate lock that will soon expire, and it may end up that I am forced to pay the taxes twice to preserve the substantial value of the rate lock. 
I was surprised to learn this, but at the same time would expect that this is a practice that is engaged in on a wide scale by many servicers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: UMPQUA HOLDINGS CORPORATION
State: CA

Complaint narrative:
My bank assisted a fraud against me. I went to my bank with a check from a new customer. I told the teller, XXXX, I do n't want anything to do with the money written on this check until it clears their bank. She said, '' Ok. It should clear in 24 hrs. '' I left the bank and returned 3 days later. XXXX was my teller again and she said to me, " The check has cleared. You can withdraw the funds. '' And I did. Two weeks later I went to the bank for another transaction. XXXX saw me and came over upset and said, '' That check you gave me a couple of weeks ago, it was a bad check. '' I reminded her that she assured me it had cleared their bank. She said, '' I know, but I did n't key it in. I should have keyed it in. I 'm sorry. You need to give the money back. '' I was very upset and told her it was gone. I trusted her to tell me the truth that it cleared their bank. I walked out. I wrote letters to the XXXX and to the bank to no avail. This was all recorded on their cameras. Then, I was told I had an unpaid debt on my credit report. When I looked at my credit reports the bank has reported it as an overdraft oper (? ). I disputed it with the credit report agencies and told them how I was deceived by the bank teller into believing the check had cleared and how XXXX had admitted she did n't follow procedure, but they wo n't remove it. It is marked as dispute and that 's all.

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 2015-03-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MN

Complaint narrative:
For the last 8 years I 've been making bi weekly payments exceeding my monthly amount, and when i started i had paid ahead towards my mortgage. Approximately 3 years ago my mortgage was transferred to Ocwen. Early on I started noticing issues with the new servicer. I called and explained what I was doing ( I have had no luck talking to an XXXX call center ). They said that they did n't understand and that payments are due on a certain date, I explained I understood however my method I 'm paying ahead. They would n't accept that. They are holding/suspending my payments at their leisure not applying it to my loan and I 'm losing financially, as they are still applying interest at a rate that is not correct. I 'm getting threating letter that I 'm behind, it has called distrust with my wife if I 'm actually paying the bill, all while I 'm in fact trying to pay ahead on my loan and never has been an issue until the loan was transferred. I understand that loans can get transferred, however I have been paying my account faithfully ( ahead of time ) since I 've purchased my home. Now with the current creditor, i have contacted them many times, i even asked them to look into my situation, and they never responded through phone and only sent me some confusing information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I 've been trying to get a loan modification, then short sale and havebeen denied numerous times by OCWEN even though I qualify for HEMPmodification based on all criteria. but I still get denied. I have a XXXX with OCWEN and aHome Equity Loan as a XXXX with XXXX. They are both interestonly loans. The market value of the house is about {$250000.00} andboth loans amount to approximately {$390000.00}. The house hasdeteriorated and needs costly repairs, including structural damage. 
I 'm a single mother with XXXX older children and XXXX in XXXX. 
I hold a XXXX with my employer and financialcrisis could put my job in jeopardy. Me and my children are at theirmercy for a short sale. I am left with not much options and it maycome to a foreclosure. I need any assistance I can get. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
Notice as of XXXX XXXX, XXXX : I submitted a complaint about this earlier this year. It is still on my record, even though the mortgage company said they corrected it! Ocwen reported I was 180 days late in XXXX XXXX, even though I was under a program with the State of XXXX/HUD for 'Keep My XXXX Home ' and HUD was making my payments, but Ocwen reported it as late, when it was not! This is STILL on my record, and it is incorrect! 
The acct is closed/paid off, but this error still exists and I asked that they remove the incorrect error, but it is still there!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: HW Holding, Inc
State: TX

Complaint narrative:
I recieved a notice from a collection agency that I owed {$12000.00} for breaking my lease with an apartment complex. I am XXXX XXXX XXXX and have not lived in an apartment for 40 years. The collection agency sent me a copy of my name and address and signature. While the address was correct the signature did not come close to matching mine. I sent them a number of papers with my notarized signature on it telling them it was not my signature. They sent me a letter requesting a copy of my drivers license and social security card which I felt was not appropriate. They then sent a letter denying my claim and posted this debt on my credit rating with various agencies. I have 45 years of a blemish free credit that has now been damaged by a company that has no idea what they are doing. The company name is Hunter Warfield, XXXX, Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: SC

Complaint narrative:
We have contacted you in the past regarding Ocwen Loan Servicing. They continually add an escrow onto our account which we have never wanted nor authorized. After the CFPB contacted them, they promised the problem was fixed and we would n't have this problem again. Well, this month they have added an {$840.00} escrow onto our account. We pay our own insurance and taxes. They are trying to tell me that it can not be taken off and that we have to pay the XXXX and submit a request for a refund. I told them I will not pay a dime that I do n't owe them. Please help me with this situation. I feel like Ocwen is trying to purposefully cause me to fault my loan and cause me to lose my home for their financial gain. My name is XXXX XXXX XXXX, Account # XXXX, address XXXX XXXX XXXX XXXX. XXXX, SC XXXX last XXXX of ss # is XXXX. Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
i have been working with ocwen loan servicing to avoid foreclosure on my home. after mediation, our hamp modification deal was for me to make XXXX modification trial payments of XXXX due XXXX/XXXX/15, XXXX/XXXX/15 and XXXX, due respectively. when that is satisfied we are to enter into an agreement that includes - according to an email from XXXX of ocwen -1 ) Interest rate of 2.0 % 2 ) Term of XXXX XXXX ) Modified unpaid principal balance of {$400000.00} ) Principle reduction of $ XXXXXXXXi have made those XXXX trial payments. 
however, the paperwork from ocwen outlining the new deal does not say they are offering principal reduction but does include a principal DEFERMENT with a balloon payment at the end of the life of the loan. it also includes a stipulation that i pay roughly {$1200.00} a month into an escrow account from which ocwen will pay municipal property taxes ( ok ) and homeowner 's insurance, although i have sent them a faxed copy and a hard copy of my homeowner 's insurance policy. 
i strongly believe ocwen 's attempt to manipulate the language of our agreement to change the meaning of our agreement is devious and fraudulent. their own representative offered a principal REDUCTION, not a deferment, and their legal representative was present at our modification meeting and signed the agreement that called for principal REDUCTION. 
thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
Ocwen is charging me late payment fees monthly for a past due balance that was paid through my bankruptcy. Thus, each month, during the bankruptcy while I was making my on time payments through the trustee, they were applying the payment to the previous month. My bankruptcy was discharge in XXXX XXXX with all of my account current. However, Ocwen is claiming that my account when they received in XXXX XXXX was still past due. Thus, each month, during the bankruptcy and now, while I was making my on time payments they were applying the payment to the previous month. Ocwen is currently reporting me to the credit agencies as delinquent when it is not. I make on time monthly payments each month. 

I have tried to resolve this several time and have requested payment history 3 times. Ocwen has not sent me this information. My last attempt was today XXXX XXXX, XXXX when I spoke with XXXX repersenative id # XXXX. I have also tried to create an account on their online page so that I could access my payment history but I can not get access to my account online.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HW Holding, Inc
State: SC

Complaint narrative:
An apartment complex has sold a debt to Hunter Warfield in my name. However, I was never legally responsible for the apartment, I never signed a lease or any other legal document ; or entered into a verbal contract. While I stayed at the address temporarily, I am not responsible for the outstanding balance. They obtained my information from mail that was sent to the address. There is an individual responsible and that information has been given to the original creditor and Hunter Warfield. Both XXXX and XXXX consider the debt verified, however I know that there is no legal connection between myself and the debt, and they will not provide me with this verification. The reporting agencies and Hunter Warfield refuse to remove the account from my report and my next step is legal action, Plain and simple ; This debt is not mine.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ideal Collection Services, Inc.
State: FL

Complaint narrative:
This debt is from my apartment community and is invalid. I had discussed this " debt " with management in which they informed me my damage deposit would be used to re paint XXXX walls. My community is charging me {$380.00} to paint XXXX walls when I was told that it was ok to paint, and that they would cover the cost from my XXXX of dollars damage deposit that I left. This is a falsified debt that is forged in an attempt to make more money. This apartment community is unfair. I have the original invoice for the paint job they did to repait the walls and it was no where near {$380.00} it was significantly less.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
I reported a charge to my account that I did n't recognize. I reported this to M & T Bank. I received a provisional credit and a case number. Then I received a form asking for more information which I filled out and returned. I did n't hear anything for a while and then the credit was removed from my account and a couple days later I received a letter saying that the case was closed. I called to find out why, and spent over 20 minutes on the phone. I was told that the card was swiped and there was nothing I could do about it. I emailed from my account page and was told that the investigators never received the letter requesting more details. Eventually I was told to go in to a branch and fill out a form. I did so. Again I inquired about the status because it seemed to take a very long time, and I was told that the second letter was received, but the bank did nothing with it because they had already previously closed the case. So I asked for the case to be reopened, and was told that there was no evidence suggesting fraudulent activity so my claim is denied. This has taken 3 months and wasted a lot of my time and I do n't believe M & T has done anything to investigate this. The transaction took place when I was at work and I could not have been at the XXXX subway spending {$68.00}. Furthermore, I 've only ever been on the XXXX subway once and that was XX/XX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ

Complaint narrative:
I was served a summons for foreclosure from my mortgage company on or about XXXX XXXX, XXXX. I was never sent any notice prior to recieving this summons. This violates XXXX XXXX the Fair Foreclosure Act which requires a creditor to notify in writting 30 days prior to filing for foreclosure relief. It must include a list of financial resources that may help the debtor. No such document was ever sent, certified mail or any other source. I recieved a modification Executed XXXX XXXX, XXXX. After it was executed, i recieved an interest change statement that lowers my interest rate consiiderably. The creditor failed to adhere to this. The statement referebced XXXX XXXX guidelines. XXXX XXXX doe n't own the loan. XXXX does n't own the loan. I was never told what type of loan it was. I asked every two months to have a forebearance, they told me they do n't offer that. If they would have after XXXX or 4 months, i would n't be here. They volated several federal and state laws. They never had their signature notarized or witnessed where it states on the modification it must be witnessed and notarized

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: DE

Complaint narrative:
Ocwen Mortgage Co. states they NEVER RECEIVED XXXX ,2014 from me. I send in documentation Showing XXXX,2014 Mtg paid through my Bill Pay account. See attach. 
XXXX,2014 Mtg paid Ocwen ACH Account ( XXXX 2014 ) XXXX payment came through, the XXXX payment was paid ( over-draft Protection ) the next XXXX ( XXXX ) were returned INSUFFICIENT FUNDS. Please see letter from the Bank Manager. XXXX,2014 was told to submit proof of all payments to XXXX XXXX. I submitted everthing. I asked Ocwen rep. to waiver fee and I told they could not do that. So XXXX2014 I sent my mortgage in ( XXXX ) with the fees {$40.00} XXXX for NSF {$40.00} for stop payment and {$34.00} on the principal. XXXX XXXX dated XXXX/XXXX/14 States XXXX delinquent, XXXX current, XXXX, delinquent XXXX is Current HOW?? I am currently in Chapter XXXX Bankruptcy.I am also in Ocwen modification, IT YOU PAY XXXX YEARS ON TIME THEY TAKE {$6200.00} OFF OF THE PRINCIPAL. THEY DID NOT GIVE IT TO ME FOR 2014. PLEASE SEE ALL OF MY DOCUMENTATION SHOWING I HAVE NEVER BEING LATE.

Company response to consumer: Closed with explanation