vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
Several years ago, I was diagnosed XXXX 2 days later, and my husband XXXX ... all within 4 months ( plus my mom XXXX 6 months earlie ). After a history of perfect credit, we got behind on everything, including our mortgage. We were able to get a HARP and a low interest payment on a XXXX loan that we had to take out to help cover missed wages and help cover some of the high XXXX bills. After my XXXX to the last payment on our trial period on HARP, Ocwen bought out our failing mortgage company. Ocwen continued our low interest XXXX mortgage but did not continue the HARP on the XXXX XXXX because " it was only in the trial period, but you can reapply for a HARP on your XXXX mortgage. '' We got behind XXXX payments while they mulled around on XXXX of our attempts for a HARP that we never got. I called HOPE ( a free program that negotiates between client and mortgage company ). HOPE, Ocwen, my husband and I came up with a plan were we would pay extra each month to catch up. Well, after about two and a half to three years later, with just me working, we are finally just behind {$600.00}, period. Now mind you, we are talking about combined mortgages of {$2100.00}. Now, they are breaking several consumer rights laws! I am getting XXXX phone calls a day, late nights, Sunday 's ( before XXXX and after XXXX XXXX ), at work on the company 's phone, and calls because we are XXXX days late on a payment ( I get paid on the XXXX but it is automatically drafted )! We are getting certified mail, brought up to the house by our mail lady, that tells us that we are In danger of foreclosure and options of modifications that we found out later we still ca n't get because we are " in good standing ''. Remember, we are less than XXXX of a payment behind!! I DID answer every call for those XXXX couple of days, explaining over and over, the deal that was made and documented, with HOPE. Still getting calls. We feel that we are getting punished because we are doing the XXXX thing. We did everything but bankruptcy. With just my income and my husbands retirement and XXXX, we pulled our bootstraps up, caught everything up, and are almost caught back up on our mortgage. Now we are being treated like this. We are besides ourselves!!! 
p.s. This is a flexible mortgage, too. : (

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: First Associates Loan Servicing LLC
State: IL

Complaint narrative:
You currently have a case pending VS. XXXX XXXX that covers these ridiculously over priced loans that they preyed upon the students for. My question is what are the students supposed to do in the mean time? I just received my monthly statement in the mail and it went up about {$100.00} for the month. I cant afford to pay that to them but they wont work with the payments either. So while this plays out in the courts what are we the students supposed to do? Can you push an injunction to get them to freeze all XXXX and PEAKS account collection activity until this is resolved? When do those of us who are suffering get relief?

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 2016-02-20 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MO

Complaint narrative:
I need the CFPB to do an investigation of what went on with my duplex that was foreclosed by XXXX XXXX. I believe this property was already paid and was not released. However not only did I lose the duplex and its value I have paid for it three times - once with the payments, once with escrow used to pay for it and once with money from the Indy Mac line of credit -that was not really extinguished - to pay back the escrow I had already paid. The escrow for the duplex foreclosed has been paid to date from the field adjustments in modification already paid to midland mortgage AND XXXX XXXX! 
I need someone to sift through this mess. 
In addition since the duplex was paid by Indy Mac where is the money I also paid to XXXX XXXX after they paid off their balance with the money from the foreclosure sale? Did they buy it back with my money I had paid and then sold it again? Or was it Indymac who actually foreclosed and added the interest I already paid to XXXX XXXX back into the loan modification on my house? 
I WANT THIS FIXED. 
I have paid for my duplex I no longer own did not receive the rent and/or proceeds I was entitled and have a balance on a mortgage on my house I DO NOT OWE. 
THERE ARE BLATANT SERVICING ERRORS and I am the one forced to PAY to prove it or XXXX pay for my house TWICE. 
WHAT is the CONSUMER financial protection bureau going to do?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
On XX/XX/XXXX I wrote to Ocwen Loan Servicing , LLC about the discrepancies with my mortgage billing statements. I De-Estrowed my property taxes from my mortgage XX/XX/XXXX so I 've been paying my property taxes myself and my taxes are paid current but, from XX/XX/XXXX through XX/XX/XXXX the problem is what I do n't understand why I have been billed for Escrow in the of $ XXXX cents and past due fees/other charges for {$5.00} dollars per month also, negative Escrow amounts $ XXXX dollars for XX/XX/XXXX, and XX/XX/XXXX a negative $ XXXX dollars, and {$35.00} dollars for XXXX months. I just reviewed my statement for XX/XX/XXXX there is that {$35.00} Escrow charge to my account. I 've sent them copies of my paid property tax statements. According to the letter they forwarded me dated XX/XX/XXXX they said that the information I provided does not indicate that I have a refund due. I think they owe me a refund. I ca n't seem to get these Representative at Ocwen do n't seem to understand what I 'm telling them it 's very frustrating I need someone to help me resolve this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25 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: AFNI INC.
State: CT

Complaint narrative:
collection agency -afni -amount XXXX -this goes back to 2015 -the company is XXXX -i cancelled them in XXXX 2015 -owing them nothing -in XXXX 2015 i recieved a letter stating, that they terminating my service due to none payment -this the XXXX collection agency -all i wanted is an itemized biil -which no one can prvide me -if they did and i felt i owe this, id have pad this by know -but instead they chose to report me to the credit reporting agencies - this time its XXXX - maybe you can forward tis to themm, and advise of further actions i can take against afni - thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
Mortgage with GMAC XX/XX/XXXX maturity date XX/XX/XXXXXXXXXXXX @ month, never refinanced or modified. Sold to ocwen XX/XX/XXXX and ocwen nchanged the maturity date to XXXX, also was showing XXXX different bals on the statements, pretaning to principal and interest, requested the original note three times and received other material.breaking the law? I have all documents.they said it was a mistake, but never corrected it. Had to withdraw savings, and pay it off.never received the original

Company response to consumer: Closed
Consumer complaint received 2016-08-10 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
XXXX I brought the house in XXXX 2006 on XXXX XXXX XXXX XXXX XXXX XXXX. 2 weeks later got laid off from XXXX XXXX XXXX as a XXXX a {$70000.00} a year job had Impeccable credit, could n't find a job back in my field do to the housing market. I found work in the XXXX 21/2 years later hired XXXX XXXX XXXX for bankruptcy, XXXX XXXX found a lot of Illegal Discrepancies in my mortgage papers the house should of never been sold to me the house was n't sell ready with proper paperwork knowing that the Title & Deed was n't the legal paperwork. They had NO Title or Deed, XXXX XXXX told us not to pay Ocwen because they did n't have the right paperwork to service the loan. We heard about the XXXX program to get refinance for our home turned in all the paperwork they told us that they ( Ocwen ) lost our paperwork several times, XXXX yrs. later XXXX XXXX called us for another appt.to talk about our case we were told that the statue of limitations is coming up and after that date he asked us what we wanted to do sit and wait to see if they come up with some kind of settlement for us to refinance our house if they do n't come up with any settlement and Proper Deed & Title in the amount of time as allowed that they ca n't touch the house legal..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: IN

Complaint narrative:
Been trying over two years to get a loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
On XXXX/XXXX/2014, we paid {$2100.00} on Ocwen 's website. This payment was deducted from our checking account on XXXX/XXXX/2014. We also signed up for automatic withdrawal to start on XXXX/XXXX/2014. 

On XXXX/XXXX/2014, an unauthorized withdrawal of {$2100.00} was made by Ocwen from our checking account. This caused our account to be overdrawn and charged a {$35.00} fee. After contacting Ocwen they reversed their mistake by redepositing {$2100.00} back into our account. 

On XXXX/XXXX/2014, Ocwen made another unauthorized withdrawal for {$2100.00}. After contacting Ocwen, we were sent a check for {$2100.00} which we received. 

Since then, despite giving Ocwen all the documentation from our bank they have asked for, Ocwen has been unable to locate or acknowledge they have {$2100.00} which was our original XXXX 2014 payment.

Company response to consumer: Closed
Consumer complaint received 2015-07-01 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
I do n't know where to turn. Ocwen has a class action suit levied against them and is forced to pay some homeowners money back. My issue seems pretty simple. Ocwen acquired my XXXX mortgage when XXXX/GMAC declared bankruptcy years ago. I declared bankruptcy near the same time, but I signed a letter of intent for both of my mortgages with XXXX/GMAC at the time ( 1st ended up with XXXX which is almost as bad, XXXX with Ocwen ) and my payments have been current since XXXX/GMAC modified my loan long before either BK - that is after the initial mixup many have found with Ocwen where I follow their instructions to change the payment from my bank account, it was lost, I changed it back to the old " Pay To '' and problem apparently solved since they 've taken my money ever since. Both mortgages are still showing on my credit report as negative because they show closed/discharged in BK. Neither servicer will take responsibility to correct the erroneous credit reporting. Why is this an issue? Because I want to refinance with someone, ANYONE else but the negative marks make me less than a favorable choice for any kind of loan. How are they getting away with this? How do we the consumers fix it?!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-27 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Kansas Counselors, Inc.
State: MO

Complaint narrative:
I was checking my credit and saw it decrease drastically and there was an account in collections claiming I took an ambulance to the hospital. I called and sent them a dispute after I was informed that was the thing to do. After a month passed, AFTER I 've mailed and faxed my dispute letter, Kansas Counselors , Inc are still stating they have n't received my dispute letter. I mailed and faxed the copy with the information they gave me. I 'm pretty much at a standstill on what to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
XXXX XXXX listed his property for sale on XX/XX/XXXX. An offer was received on XX/XX/XXXX in the amount of {$330000.00} from a well-qualified buyer. The offer received is sufficient to pay the XXXX and XXXX mortgages off entirely. A short sale would not be necessary and we are not requesting that the bank waive any resulting deficiency as all will be paid off through this transaction. 

A foreclosure sale date has been scheduled for XX/XX/XXXX and, in all of the borrower 's ( XXXX ) discussions with Ocwen, they will not agree to postpone in order for us to close on this transaction. XXXX has been working with Ocwen asking them for a postponement so that he can complete the sale of his property and they will not postpone. It is in Ocwen 's best interest, as well as their investor 's to postpone this sale and receive a full payoff on the note. 

Furthermore, XXXX performed XXXX military service in the XXXX during XX/XX/XXXX, thereby affording him protection under Servicemembers Civil Relief Act ( SCRA ). As you should be aware, real property owned by a service member before military service that is secured by a mortgage or deed of trust can not be foreclosed upon, sold, or seized during the period of XXXX or up to XXXX months after service without acourt order or the written agreement of the service member. Compliance with this law ismandatory. Failure to comply with this requirement voids the sale or foreclosure and maysubject a creditor to sanctions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Thunderbird Collection Specialists, Inc.
State: AZ

Complaint narrative:
Thunderbird Collection Agency is contacting me thru my work number during work hours. This collection debt they are demanding payment for has been discharged through bankruptcy. Besides the debt is my daughter, which was a minor at the time of service and they are trying to now contact her for payment as well. They are harassing her at her place of work and contacting her biological father at his place of work. This company is and their so called " mangers '' are mean, demanding and unpleasant. They do n't let you ask any questions about what they are calling about. They demand payment immediately or credit will be destroyed. They also have my phone number tied up with family member accounts. They are n't even my accounts that they are demanding payment for. They are sharing my information of where I work along to other family members of mine which I DO NOT want them to have. I do not want others to know where I work or my work number. I do not want my daughters work numbers given out to others or our medical bills discussed with just anyone that they can get a hold of on the phone that they think will either pay or give out more information to use against me to pay a debt that has been charged off. Also, we did n't just file bankruptcy and walk away from everything. Our bankruptcy was a merely {$37000.00} and we have paid back and still are through our attorney almost {$14000.00}. We did n't just walk away, we do n't deserve to be harassed at our place of work. We 're trying to make money to pay our bills not be harassed by this company just to lose our jobs for their relentless, mean and vicious phone calls. This is unthinkable behavior. They are all liars when we call them back to try and get some answers or try to discuss the situation with them. They either yell and demand payment or just hang up on us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Comenity Capital Bank in XXXX Ohio had closed my account long ago. I finally paid the account off in XXXX 2017. They have no grace period, and it takes several days for a payment to post to my bank. I was not notified that they had charged me a late fee of {$25.00}. Since then they have continued to charge excessive fees and I was just recently emailed I owed {$89.00} when the count was paid off and already closed. They have reported negative information on my and my co-signors credit reports despite the account being paid off and closed. I want the charges removed because if an account was already closed and then paid off no other fees should have ever been charged. They refuse to reverse the charges and to correct the credit reports which is damaging my and my co-signors credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: Duncan Solutions, lnc.
State: NY

Complaint narrative:
Hello, I am writing because the agency Professional Account Management is attempting to collect the wrong amount and also indicated that I committed a crime by not paying debt. I received XXXX " Notice of assignment to collection agency '' for XXXX unpaid citations. The unpaid citations are ticket number XXXX and XXXX with the XXXX DMV, which I contested well within 30 days ( I filed within & lt ; 10 days ) via the online ticket adjudication system, with reference number XXXX. I am contesting the tickets because I believe that they ticketed and towed my car without cause because there was no signage that I violated any parking laws. I submitted photos and documentation at the time of my claim. I have never received any further communication, either from the DMV or from the ticket adjudication system. However, my citations were sent to collections, although the XXXX DMV website says explicitly ( XXXX ) that " If you want to contest a ticket, do not pay the fine and/or penalty. You can not contest a ticket once you have paid the fine and/or penalty. '' The notice I received however says that Professional Account Management is collecting on my " debt '' although I have not received any confirmation from the XXXX DMV about the final result of my adjudication. I contacted Professional Account Management to resolve this issue but they directed me to the XXXX DMV. I also contacted the XXXX DMV multiple times without result. Also, I monitor my credit score frequently ( more than 3 times/week basis ) and my credit score has dropped over XXXX points ; I believe that as a result of my collections being reported to the credit agencies unfairly that this resulted in both the change in my credit score and a denial for a credit card application.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
IndyMac/ One West / Douche Bank committed fiduciary practices and illegal XXXX signing. 
I was paying {$5000.00} a month for a {$420.00} dollar loan. When I ask them to restructure my loan to reduce the monthly payment and receive a lower interest rate, they told me the only way would be to default on my loan. At the time I owned a transportation company that was doing well until XXXX and the gas prices started to increase and airlines were filing bankruptcy. In order to adapt to the changes, I needed to restructure the business. After questioning IndyMac 's offer to default on my loan to reduce payment. They convinced me by telling me nothing will be affected, and I would only have to default on XXXX payments, in order to receive a loan modification. Well here I am about to lose my home that I worked so hard for. My business was ruined after I missed the XXXX payment. As soon as my creditors found out I had missed my payment, that was the beginning of the end for my business. I lost everything because of my lender, and have been fighting for my life, my whole world changed and my wife and children have suffered andsacrificed to try to stay in the home they grew up in. I even tried to hire a attorney from The XXXX XXXX XXXX XXXX who ended up in receivership after one and a half years. One week before they told me that I had a 90 % chance of recovering damages from a tort litigation law suit in my name that is still filed in NJ court system. I received a email from the Florida district attorneys office informing me that myself and XXXX XXXX of there clients have just lost XXXX XXXX dollars each, plus monthly fees totaling millions to these criminals. They were a legitimate law group before I gave them our last savings, including my Son and Daughter 's college savings and then they screwed us. I even checked them out with Congressman XXXX office and Senator XXXX XXXX office. Indy Mac and company ruined my life, business and my family 's future. This is the short version, I was also audited by the IRS and XXXX after the default and had to file Chapter XXXX lost my business that I worked and sacrificed so hard to build. I have worked form the age of XXXX with my family business and was thought to work hard and be honest. With all of this happening and more my father is XXXX and my mother has XXXX. I cant make this up, I just turned XXXXyear old and have been fighting every day for the past several years. 'PLESE HELP ME SAVE MY FAMILY ' I am tired and frustrated I have worked hard all my life, XXXX trades and always tried to teach my kids about being helpful, respectful, and if you work hard good things will happen. I have XXXX great kids who are doing well academically my daughter is XXXX and my son isXXXX I have nothing left for them but hope. 
Thank You

Company response to consumer: Closed with explanation