vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-22 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: OH

Complaint narrative:
I first got into trouble with making student loan after receiving a forbearance or deferment from First Associates of a few months. Things did not get better with me in that time and their lower payment options were just under {$100.00} which I could not afford that either, But I attempted for 3 or 4 months to pay as agreed but just could not keep up without letting something else go. I communicated this to them, however it was to no avail. The help they give is not really help at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-26 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
On XX/XX/XXXX, GMAC as servicer filed a foreclosure complaint on my property. The alleged note did not contain any blank endorsement. GMAC went into bankruptcy, and the case was stayed for awhile. Later plaintiff was substituted for XXXX. The substitution was initiated by Ocwen Loan as servicer with the help of XXXX located in XXXX XXXX. 
Ocwen is illegally attempted to foreclose on a mortgage it knows it does not have standing to foreclose. The trial is scheduled for XX/XX/XXXX. Ocwen is once again engaging in questionable servicing practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Asset Recovery Solutions, LLC
State: PA

Complaint narrative:
I had an apartment lease with XXXX ( XXXX XXXX XXXX ) and my lease was for 14 months. Throughout that lease I had been late a few times so the company decided not to renew my lease. They sent me a letter around XX/XX/XXXX/XX/XX/XXXX ( no longer have letter ) stating they were not going to renew my lease due to several late payments so I decided to move in XXXX XXXX. My lease expired on XXXX/XXXX/XXXX ; I moved out on XXXX/XXXX/XXXX which was the same day they served eviction papers for me to exit premises. Since I was unable to renew my lease with Villages of XXXX, I decided to not pay my rent for XX/XX/XXXX and move into another apartment. It didnt make sense to pay rent for XXXX apartments if I knew I was already moving out of XXXX. I needed the money to move into my new place and since they were not renewing my lease it was only right to find another place. So the day they served eviction papers, I was actually moving out of the apartment. They stated I had to write them a letter that I was leaving but I was unaware of that. My mother and I spent the whole night cleaning and movig out the apartment ; the leasing office stated I didnt clean the apartment which is not true. They took pictures of unvacuumed carpet and crumbs left in the stove and a hard water stain that was stuck in the tub ( which was there when I moved in ). I even brought that to maintenance attention when I first moved in plus it was a disgusting garbage smell from the sewer system. Maintenance stated that the stain was old and the smell was from the apartment sitting for some time. Now I have this eviction listed on my credit which is prohibiting me from finding housing. I moved because they stated they was not going to renew my lease so to make matters better for myself I decided to just go. Prior to me moving I received a letter from the leasing office XXXX XXXX stating that I owed them for XXXX XXXX rent that had been reversed. As an early XXXX gift, my rent was payed by a friend and I didnt know it had reversed until I received the letter. Now I owe for XXXX XXXX rent, cleaning fee, XXXX XXXX rent, and breaking lease. I dont understand why it took 2 1/2 months to see the reversed payment and I did clean the apartment but they say I did not. I would like some resolution to this please. I also have pictures of the apartment.

Company response to consumer: Closed
Consumer complaint received 2016-04-27 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: First Associates Loan Servicing LLC
State: TX

Complaint narrative:
Notice of Change of Interest Rate On XXXX XXXX XXXX, the Federal Reserve announced their decision to increase the US Prime Rate by 0.25 %. All Peaks loan contracts includes a variable rate tied to this index and therefore, effective XXXX XXXX XXXX, interest rates increased by 0.25 %. The increase in the interest rate will cause your payment to re-amortize resulting in a slightly higher monthly payment which will take effect for any payments which billed after XXXX XXXX, XXXX. 

www.peaksloan.com.

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 2017-01-06 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
My name is XXXX XXXX, and I am the widow XXXX XXXX XXXX XXXX as well as the executor of his estate and rightful heir to our property in XXXX New Jersey. I am contacting you because our mortgage company Ocwen has not given us the opportunity to resolve our delinquent payments and is moving to foreclose on this home instead of working with me towards a modification or payment arrangement. My husband and I bought this home in 1996 and made payments as agreed for nearly FIFTEEN YEARS. After my husband passed away I had major health issues and ended up unable to meet my financial obligations and fell behind on the mortgage payment. 

I began trying to work things out with Ocwen by applying for a loan modification but have failed to make any progress. Our current interest rate is 7.75 % -- when we bought the house the interest rate was at 12 %. Our mortgage lender has collected a large amount of interest over the last 15 years, and XXXX would think they would be more willing to try and resolve this issue with me instead of moving to aggressively foreclose. 

Our financial circumstances have changed since we first applied for assistance. My daughter is living with us and contributing and we also have a boarder who pays a monthly rent. I am currently in review for XXXX benefits and expect that to be approved shortly, which will really help us out financially. My issue is that we are struggling and have a true financial problem and yet Ocwen has not been able to offer any possible solutions. I am aware that Ocwen received billions in government bailout money. I also am aware that Ocwen was fined by the government for unethical foreclosure practices. 

I am not asking for a handout, and I realize that we are very delinquent on our loan. But I also know that our lender has collected 15 years ' worth of payments and our balance is very low while our interest rate is very high. I believe that are many options to restructure this loan and put late payments back into the balance or defer them through a forbearance agreement. At this time Ocwen refuses to accept a mortgage payment and have told me the only option is to make a lump sum payment of the full past due amount. I just ca n't do that right now, but I desperately want to save my home and resume making monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
My husband and I purchased a credit card from Best Buy in XXXX 2014. We used their 18 months no interest financing. We were charged {$250.00} because we were {$23.00} off in paying the total in 18 months. We asked for a refund on interest but were refused. We asked for statements to research the charge but were told to get them off their website. They only have 6 months of statements with limited information and any more statement will be mailed in 7 days. We also tried to file a disputed while we research the charge but are unable to do so according to the website and representative. We can either pay interest on our interest or have charges negatively affect our credit while we try to reach a resolution and research these charges. The best solution the representative had was to send a letter to Best Buy headquarters which is " highly unlikely to help '' or wait until the charge is sent to collection to disputed the charge, XXXX of which are unacceptable.?

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 2015-12-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
My mortgage loan at Ocwen, was paid off on XXXX XXXX, 2015 through a title company at settlement. On XXXX XXXX, 2015, Ocwen took my normal monthly mortgage payment from my bank account ( even though it was paid off from the day before at settlement ). On XXXX XXXX, 2015 Ocwen sold off the mortgage to XXXX I am looking for a reimbursement of my mortgage payment from XXXX XXXX, 2015 as well as the overage from the loan payoff. Ocwen can not talk to me because the " Sold '' the loan ( even though it was paid off before they " sold '' it ). XXXX has no record of the payoff/overpayment because their system will not be updated for 3-4 weeks. All in all, I have no way of " stopping '' my auto deduct with the new company because I can not access my new account information and I have no one who can help me recover the extra loan payment taken as well as any overpayment of the " Payoff ''. I am in need of a refund, ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: OR

Complaint narrative:
We have been trying to sell our home. The title company has requested Ocwen to supply a reconveyance or payoff of XXXX $ balance of the XXXX mortgage for the past XXXX days. Ocwen has been nonresponsive. The XXXX mortgage is paid in full and the account is fully satisfied. We are trying to sell the home to pay Ocwen and satisfy all accounts but they have been non-responsive to the requests or providing false and/or incorrect information. We have prolonged the closing dates several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
My mortgage loan was paid in full on XX/XX/XXXX by cashier check. As of XX/XX/XXXX i have not received my title. I did receive a letter from Ocwen Servicing that the loan was satisfied. I need help getting my title.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: MO

Complaint narrative:
I want to payoff this loan with the {$530000.00} paid to first XXXX and the {$70000.00} paid to XXXX or the {$140000.00} paid to XXXX and {$150000.00} paid to XXXX mortgage or the {$350000.00} to Indymac or the {$200000.00} to XXXX XXXX or {$70000.00} to XXXX ... ... I want an investigation. 
CFPB has my bank statements and multiple documents why they wo n't release a {$260000.00} I do n't owe and who and why are they paying discharged unsecured debt

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
Got behind in our payments, Owcen offered to do a loan modification under HAMP, but would not disclose the terms until we signed the paperwork. We did not actual fill out an application, only the form that says we are not trying to defraud the government. Received the loan modification papers today, and they did lower payment from XXXX to XXXX and also lowered rate from 8.5 to 5.0 on our {$120000.00} mortgage ( our home is worth about {$300000.00} ). They included a BALLOON payment at the 214 months end of the loan term for {$90000.00} which means we are really refinancing {$120000.00} + {$90000.00}.. This seems outrageous and should be illegal if it is not, especially using GOVERNMENT FUNDS to finance this loan. Please investigate!!!!.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: HW Holding, Inc
State: MO

Complaint narrative:
I moved out of XXXX XXXX XXXX XXXX, MO XXXX 2015 because I lost my job and was forced to move in with friends. During the same month I was told that I could buy out my lease, but only had 20 days to do so for about XXXX. I could n't come up with that amount of money that fast. By XXXX 2015 I started receiving collection notices via mail and phone by a bill collector named Hunter Warfield in Florida. They are trying to collect over {$8000.00} for moving out of the apartment before the end of the lease. I told the bill collector that I had agreed to buy out the lease with the apartment complex manager via emails and he did n't care. He told me to call the apartment complex and discuss that with them in which I did via emails. The apartment manager told me there was nothing that she could do since it was at the bill collectors office. Also, I asked her to let me have my apartment back and I would catch up the late rent but she said no. I had only been out of the apartment for a month and a half. Taking to the bill collector again I told him that I could prove the agreement for buying out the lease for {$2600.00} but he refused, said the emails could be altered. He said they want over {$8000.00}. and nothing less. I asked for an itemized bill in which I received XXXX letters. XXXX letter with no itemization on it just the {$8000.00}. amount. The second letter said all collection processes were going to stop until the debt could be verified. Now, this past week the bill collector started calling again demanding {$8000.00}. When I told him the amount was wrong, not within the laws of the state of Missouri, asked him not to call my cell phone anymore, he hung up on me. Today, my mother said Hunter Warfields office called my moms home phone asking for me which I found embarrassing because I had to explain why a bill collector was calling them. There number is listed in the white pages so I guess they are going around calling all my relatives.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
We were having financial issues, due to a XXXX, and asked our bank to look into a XXXX modification. We were turned down for a XXXX but qualified for a HAMP modification. The bank then sent us paperwork for the HAMP modification. Our payments had gone up by over {$400.00} a month so we told them we did n't want to do it. We tried to make a monthly payment and were forced to pay the higher payment listed on the modification even though we never signed anything. We were also forced into now having an escrow account even though we never had one before. We paid 3 payments of almost {$1700.00} a month. Our relationship manager assured us that after these three payments we would be up to date and everything would go back to the way it was. Long story short, they are now making up the payments as they go. They have not applied the large payments to the mortgage properly and are now saying we owe them over {$5000.00} and we are behind on our mortgage. We did n't sign anything and we are very unhappy with the treatment we are getting from our bank. We feel like they are forcing us out of our home that we built and they are causing us to lose our credit rating as well. We do n't know what to do to correct this problem. Every month when I try to make a payment the amount is different, there is no consistency to anything with this company. We have written, called, and gone online many times to try to resolve these issues to no avail. We feel as if we are just banging our heads against a wall. You can never talk to the same person twice, they all tell you different things, and they do n't get back to you when you write or call or email. We have been belittled, sworn at, and hung up on. This is not the way to solve issues with your customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-26 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Revenue Recovery Corporation
State: GA

Complaint narrative:
My medical information was shared with a 3rd party collection agency and sold which in all goes against HIPPA rules.

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 2015-10-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Asset Recovery Solutions, LLC
State: FL

Complaint narrative:
They have called me & my wife on several occasions and never sent an initial letter stating my right to dispute. I have sent a request for validation that they have received and signed for and have yet to respond to but continue to report to XXXX XXXX which is illegal under 809 ( b ) of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Ocwen has notified me that my mortgage payment is going up due to a shortage in my impound account, HOWEVER, they will not tell me how the shortage occurred. They sent me ( twice ) a yearly statement that showed them starting with a shortage but what they collected versus what they paid would have left them with a nice reserve. I sent a Certified letter to XXXX XXXX, XXXX of XXXX and was completely ignored. What I pay each year is in excess of what they pay out ; they should be able to show me where they went wrong in creating this possible shortage. In phoning them, I have spoken to other XXXX where the contacts have no idea of why there is a shortage, they say someone will contact me ( they do n't ) and then say they will transfer me but disconnect me, all while I can barely understand them with their heavy accents. They continue to send me statements with the higher payments and with no reason or explanation. This is a HAMP loan and from the start has had a surplus in the Impound account ; WHAT HAPPENED TO IT???? I 've checked my taxes and insurance and I still have a surplus due to small increases in my payment when these changed. There condescending attitude is ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
I am filing for a loan modification through the program harp set by the government because i am behind my mortgage payment with Ocwen mortgage servicing, llc, and the relationship manager for my case have encouraged me to do so since the principal amount and interest have been accumulated to {$21000.00} u.s and the bank will not consider a deffered mortgage payment. However, i need help to obtain the modification with OCWEN mortgage, because all papers ' work has been filed and sent to the bank three months ago. But the bank consumer department issued a relationship manager to help with each case.However, this relationship manager by the name XXXX XXXX working for the bank has developed a tactic to prolong the papers'work by extending the scheduled appointment each time for next month under the pretext that my papers works or documents are not completed so that the principal amount for the mortgage will be accumulated every month and the interest accrued before sending my application for loan modification to proper authority or government agency for practical review. I inquire and suggest a torough investigation to be conducted by the consumer finance department about my loan modification application for my property and the time consuming to obtain my approval and all the papers works which were provided to them along with my application. 
. 
In the hope to hear from you ... .. i salute you in the three points of the triangle..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
I have a mortgage with Ocwen Mortage. Two years ago they defaulted me on my loan and charged me fees because I supposedly was behind in payments. It took months and an attorney for Ocwen to finally admit that they made a mistake. They never corrected the mistake or send a correction to the credit reporting bureaus. Now Ocwen is once again defaulting my loan alleging that I am two months behind in my mortgage. My attorney once more supplied Ocwen with 24 months of my bank statements evidencing that all payments have been timely made. Ocwen is going forward with a foreclosure proceeding. It is impossible to reach anyone at Ocwen who can fix this situation. This is twice in three years Ocwen has made the same mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 00:00:00
Product: Other financial service — Money order
Issue: Excessive fees — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX

Complaint narrative:
I purchased several money orders from Money Gram for which a " service fee '' was charged once the money order had not been cashed within XXXX year ; however this fee was not diclosed upon purchase of the money order it was only diclosed once I requested a reissuance of the original money order. Had the additional fee been diclosed I would have elected to purchase the money order from a competitor, specifically XXXX, in which this fee could have been avoided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation