vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-29 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
I had a loan to cover XXXX damage from the small business department that was sold to m & t bank .since then it has been a problem.my loan is unsecured with no lien .m & t bank is trying to steal my property by not posting my payments timely, and charges that are illegal.i get two bills from for the same billing cycle.i do not like doing business with them or trust them.this is the second or third complaint to cfpb about this matter.my payment is XXXX dollars a month.

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 2015-04-09 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Atlantic Credit & Finance, Inc.
State: TX

Complaint narrative:
This company Atlantic Credit and Finance is calling me up to 5 times a day on my cell number. From phone number XXXX as well as calling my work phone number. They were never given permission to contact me at work, or harass me at my place of business. I find their multiple calls daily very harassing. I have blocked their number so now they call me at work. I have asked them to no longer call there either because I am not allowed to take personal calls at work.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
M & T Bank and XXXX Bank NA did a fraudulent foreclosure on my homestead home. I 'm the person who is name is on the note & mortgage that these XXXX Banks presented to the court. My original complaint was to XXXX, case # XXXX, but XXXX 's response is that they had transfer the loan to M & T bank, but the only name on the plaintiff is XXXX. These XXXX banks have put a cloud over my deed and foreclose on my with out bringing me in the case, this is fraud. Because a bad loan modification that XXXX did & denied in court that it happened.

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 2016-01-12 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Key 2 Recovery, Inc.
State: CO

Complaint narrative:
Sometime in XXXX XXXX I started receiving letters from XXXX XXXX XXXX from Key2Recovery regarding a debt to a school that I do not owe. At first, she acted professional, but later on she became very rude and uncooperative. I had taken out a private student loan through XXXX XXXX about 6 or 7 years ago, and am still paying on it. I moved from XXXX at the end of XXXX XXXX, and let XXXX know that I did n't have a mailing address yet but that I would give it to her once I set up a XXXX XXXX XXXX She called me several weeks later asking if I had received the document proving that I owed money to the school, and when I asked her where she had sent it, she said it went to XXXX. I reminded her that I left a voicemail as soon as I moved to XXXX and got my XXXX XXXX XXXX with my new mailing address, but she became very rude and said that she sent it and was n't going to send it again. She also called me " uncooperative '', when I have been trying to do everything I can to figure out what is going on. She has been calling me ever since then, even at strange hours of the evening ( XXXX my time, XXXX her time ). This is all very odd, especially since I have not changed my phone number since I attended the school, so I do n't see why they never called me in the past 6-7 years if I somehow did owe them money. I have even tried calling the said school several times, but have not heard back. I work at a bank, and have heard of a few debt collection agency scams recently going on, so I know better than to just send off money to them without questioning it. So far, I have not had any proof of anything that I have signed saying I owe this school money. I am still paying XXXX XXXX for the student loan, and everything that has occurred thus far has led me to believe this is fraudulent. It also seems that XXXX has violated the Fair Debt Collection Practice Act. It would make sense to me that if I did indeed owe money to the school, they would probably contact me, and XXXX would have happily updated my address when she was on the phone with me last time ( rather than being rude and saying that she already sent the document proving I owed the debt, and that she was n't going to send it again ). Be that as it may, everything about this seems very fishy, not to mention the fact that a strange number ( XXXX ) keeps calling me, without leaving any voicemails. When I looked it up online, it is a credit management company ... and apparently in XXXX, XXXX authorities arrested XXXX people for what they said was a XXXX scam by a debt collection company that victimized more than XXXX people, and a prosecutor said a wider crackdown was underway. Scary.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
I was divorced in XXXX of XXXX. My ex-spouse was responsible for a mortgage and equity line of credit according to the divorce decree. I was a co-signer on the loans. She defaulted on the payments in XXXX and XXXX. I hired a lawyer and got her to bring the accounts current. I also contacted the mortgage company to let them know that they had not contacted me and that I could have avoided the derogatory credit report had I been notified because the home was being rented and I could have made arrangements to get the monies from the renters and paid the mortgage company directly. 
I recently applied for credit and was notified that the same situation occurred again at the end of XXXX. My ex-spouse said that it is because she filed for Chapter XXXX bankruptcy. See OCWEN in the attached credit report. Again, I was not given notification that the account was in arrears. If I was notified, again, I would have just contacted the renters and had them pay me and I would have paid the mortgage company. This whole issue is convoluted because the loans have been sold from GMAC, Homecomings, XXXX and then to OCWEN for collection. The mortgage company had at least my phone number and email address. Also, they could have asked for my mailing address, if they did not have it, from me or my ex-spouse. 
What this boils down to is that I was not notified that the account was in arrears by the mortgage company or my ex-spouse. It seems unfair that this should show up on my credit report and now I am denied credit from all banks I apply to. I borrowed {$7000.00} last year to get the student loans current when the Student Loan company, XXXX, contacted me. This should be proof that I would have done what it took to keep things straight.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I was a victim of identity theft and noticed a collection from MIDLAND FUNDING I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. I WENT TO SEND THEM A LETTER BASED OFF THE INFORMATION THEY FURNISHED ON MY CREDI TREPORT AND THE LETTER WAS RETURNED. Police department told me to contact the federal trade commision which I wrote a formal complaint against MIDLAND FUNDING in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION
State: ID

Complaint narrative:
The problem with M & T bank and my mortgage is simple : They wo n't take payments and have gone out of their way to increase the difficulty I have in making certain payments arrive on time. This problem started in XXXX 2014, when I admittedly was late with a payment. I did, however, schedule to have my XXXX payment take place at the same time as my XXXX payment. The M & T website indicated the payment was scheduled and no prompt from their website indicated there was a problem. When it came time to make my XXXX payment, I found out only then that I had been locked out of my account and forced to deal with another loan service : XXXX XXXX. Here, I was instructed to speak with a specific loan officer who was never in her office. Finally, after XXXX weeks, I was able to make contact. I made XXXX months worth of payments with her in XXXX day. She instructed me the loan was back to normal and should be operating in M & T 's hands. For the XXXX payment, this was n't the case as I remained locked out of M & T 's website. This time, when I attempted to make contact with the same loan officer, I came to find out she has been dismissed and I must deal with a new loan officer by the name of XXXX. I again make the payment with XXXX and he tells me the loan is back with M & T. For XXXX 's payment, I log in on XXXX XXXX to make my payment only to discover I am still locked out. I contact M & T, who only tell my I must deal with XXXX, in spite of being told otherwise by XXXX themselves. I attempted to secure more information, only to be told they would not help me at M & T. I have attempted to contact XXXX several times, leaving a message with him XXXX with no return calls. I have to make myself available to contact XXXX outside of work, school, and XXXX during their leisurely hours. As of this writing, my XXXX payment is outstanding and M & T refuses to accept any payment. This seems odd, during a potential foreclosure and asset management process that their technique would be to make the process more difficult for the person making the payments. It further seems odd as M & T Bank took XXXX XXXX in bailout funds with no intention on paying that money back. I do n't see where their lending practice could possibly fall within legal boundaries, it seems predatory in nature. They also recently increased the payments by over {$200.00} a month claiming it was for the escrow, which closed in XXXX. Not sure hot that works, but I feel it is worth looking into by somebody.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
Portfolio Recovery has consistently called my cell phone number at various hours throughout the day, sometimes back to back but when I answer no one is on the other end. If I allow the call to go to voicemail, no message is left. I discovered that they were calling from various numbers after XXXX the phone numbers. I have contacted Portfolio Recovery asking that they validate the debt that they say I owe through email, certified mail, and phone but to date I have not received anything. This has been going on for several years and I would like them to cease all collection tactics and remove the collections from my credit bureau reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: ND

Complaint narrative:
Ocwen did not pay the hazard insurance through the escrow. this is the 3rd year we have had issues with them making this payment even though we pay into escrow for it to be paid. Now they are threatening to buy more expensive insurance or make us pay out of pocket for something they should have paid already a month ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
Every year I apply for the XXXX County 's tax credit. I receive it every year. The tax credit check is sent to the mortgage company to help pay my taxes. It will most of the time lower the amount of escrow and in some cases leave me with a small refund due to a surplus. I have been with Ocwen for the past 4-5 years. My escrow is continually going up even though the tax credit is sent to them every year. The money is not deposited in my mortgage account or returned to the county. I have no idea where it is going. The county sends it directly to the mortgage company. So every year when I apply for the credit and get approved the money is going somewhere and Ocwen says they have no proof of it being sent. The county has proof of sending it. I am upset because I should not be paying the amount of escrow I am paying. That 's the whole purpose of the credit, but every year it is not applied to my account. I would like to have it researched and credited to my account every year going forward. I would REALLY like to change mortgage companies. Thank you for any help you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
FAILURE TO EXECUTE CONTRACT AS WRITTEN DOUBLE DIPPING & FRAUDLENT RECORD KEEPING 1. The executed loan modification agreement specifically states on page XXXX ( Please see Exhibits XXXX & XXXX ) that {$170000.00} of the loan amount is eligible for forgiveness, and that the lender shall reduce the {$170000.00} ( deferred principal reduction amount ) by one third on each of the first, second and third anniversaries of XX/XX/XXXX provided that I am not in default. And, I am not in default. 
2. OCWEN failed to apply the reduction on XXXX/XXXX/XXXX per agreement. ( Please see Exhibit XXXX ). 
3. OCWEN again failed to apply the reduction on the statement for XXXX/XXXX/XXXX. ( Please see Exhibit XXXX ). 
4. The Deferred Principal Balance is scheduled to XXXX OUT on XXXX/XXXX/XXXX, but OCWEN 's XXXX XXXX statement still shows the deferred principal balance in the full amount of {$170000.00} ( Exhibit XXXX ). 
5. A XXXX was issued to me for XXXX tax year in the amount of {$170000.00} and a loss was not doubt claimed by the lender even as the lender stands to demand another {$170000.00} from me. 
6. This is DOUBLE DIPPING and it is illegal. 
7. All these show that OCWEN continues to violate its agreements with the regulatory agencies and attorney generals of states and continues to defraud its loan holders.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
My mortgage is paid through my bank 's bill pay app. The payment is sent on the same date every month. The mortgage service company received the payment on the date it is sent. But, this month ( XX/XX/2017 ) the payment was sent back to my bank. After speaking with the mortgage companies customer service. I was told, " Because I was 89 days behind on a payment, they will not except the payment unless it was the full amount. To include the past due amount ''. Okay, I accepted that, and is willing to sent the money through my bank 's bill pay app, to the their company, same place I sent it to every month. But, I was told I would have to sent the money by a Money order, XXXX or XXXX electric transfer which is secured funds. The problem is, that either of the above mention methods has a cost associated with it, anywhere from $ XXXX- {$100.00}. And, if they keep sending my payments back, it will continue to put me further in the a hole. Another problem is that, my mortgage has changed servicing company three times. I do n't ever remember signing any documents stating this 89 day rule.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
Ocwen continuously applies my monthly payments as principal payments rather than monthly payments. My mortgage is currently paid ahead 2 months so I have been able to address this so far but it has become very frustrating. In order to address the issue, I must submit a letter via mail outlining the problem. It then takes about a month to address the issue. My mortgage payments have always been on time and I have never had any issues. However, my mortgage being sold to Ocwen has created nothing but headaches and is threatening to damage my nearly perfect credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
OCWEN has sent a letter indicating that my hazard insurance coverage has expired and indicating that they plan to buy insurance for the property and they will charge me for it. I have had condo insurance in effect since I bought the unit in 2005 and the HOA has maintained it 's master policy insurance without a lapse. The mortgage was sold to OCWEN by XXXX and I had never provided insurance information to either party for the life of the loan, so there statement that their records indicate expiration of the policy are a falsehood.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
Ocwen Loaning Servicing has changed their on line payment system. The system is down and is not working. There is no notice on the web site that it is not working. I attempted to make my XXXX payment on XXXX/XXXX/15, XXXX & XXXX but it failed. Using the customer contact email system, I wrote that it was not working, it clearly states that they would reply in 24 hours. No reply has been received back at this time. I have also written the Ombudsman and have received no reply back. My other complaint is they have change the terms on online payments. It states that you can not make a free online payment after the XXXX. The terms of loan agreement is the payment is not consider late until after the XXXX of the month. I am extremely dissatisfied with the service I received from Owcen and could only imagine how difficult they would be to deal with if I ever ran into financial difficulties

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Account No : XXXX XXXXAmount in Question : $ XXXXI attempted to see a doctor at Minute Clinic which is within the XXXX XXXX XXXX , close to my home. I was fairly certain that I had XXXX ( XXXX XXXX ) and was scheduled to leave for New York the following day on a work trip. The doctor at XXXX XXXX took down all of my information, including my insurance information, which took approximately 20-30 minutes because she had difficulty getting her system to work correctly. She then proceeded to tell me that she could not see me because XXXX XXXX does not handle any eye related problems. I was unclear as to why she did not tell me that when I 1st arrived and filled out the " reason for visit '' on the " sign in form ''. I would like the {$84.00} removed as I never was treated or seen by a doctor. Furthermore, I am confident that my insurance was charged the {$15.00} ( difference between the {$84.00} and the {$100.00} visit ) and therefore I would like that amount refunded as well. 
It is ridiculous for his company to be able to charge people for treatment which never existed. I have received XXXX notices from Trans world Systems Collection Company dated XX/XX/XXXX & XX/XX/XXXX. I called after the XX/XX/XXXX notice and they indicated a case would be opened. I have not heard back from them ; however I received the additional notice on XX/XX/XXXX. Unless this is taken care of immediately, I am contacting an attorney to start the discovery into how many customers have experienced this same issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27 00:00:00
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I requested validation of my debt from Ocwen Loan servicing because the what they are saying I owe Is not right. They told me that they do n't have to validate the debt. This is a violation of the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
Mortgage Company complaint is with Ocwen Loan Servicing. Back in XXXX of XXXX Ocwen proceeded to pay my homeowners insurance as instructed to do so in contract, with XXXX XXXX XXXX, A check was mailed to XXXX at XXXX XXXX XXXX XXXX, XXXX, Ill. XXXX ; as noted on check # XXXX, dated XXXX/XXXX/XXXX and a copy of which is included with this complaint. ( See attachment ) On the back of this check is endorsement stamp by company XXXX and has a persons signature on it too. Deposited in XXXX XXXX bank. XXXX claims NEVER receiving this check ( for this reason, XXXX cashed it ). So XXXX preceded to notify Ocwen that they still needed payment for the homeowners policy to remain in effect, so Ocwen, instead of telling XXXX that they sent a check to their office in XXXX Ill, they write a second check of {$950.00}. See attachment, included ). So now I 'm really short funds in my Escrow account with Ocwen. I thought this matter was resolved in XXXX, after much conversations with Ocwen agents concerning this matter. I received my escrow account summary in XXXX of XXXX and notice that my balance is way negative, so I 've been trying diligently to get this matter resolved but with NO success. Just being told we 're working on it. Well they been working on it for almost XXXX years. So I do n't believe it, and I need help getting my {$950.00} back in my escrow account. I just want the {$950.00} restored where it belongs in my escrow account so I can have a new escrow evaluation and my monthly payment reduced. Also attached is my first page of my escrow summary for XXXX, which shows Ocwen 's contact info and my loan number with this account.Loan number is also on both copies of the canceled checks. Also attached is a word doc that lists Ocwen agents I contacted recently and the agent at XXXX I talked to that said she would try to locate the check in question and she forwarded a copy to agent at Ocwen.

Company response to consumer: Closed with explanation