vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I am submitting a complaint about Ocwen 's recent handling of my upcoming foreclosure auction sale that has been scheduled for this Monday XXXX XXXX, 2015. I was lead to believe that the sale date would be postponed until I could gather the funds required for my mortgage reinstatement. Unfortunately today I found out that the sale date had been reinstated without notifying me. I actually found out about the resumption of the sale date from a foreclosure website alert rather than even receiving a courtesy return phone call from XXXX XXXX who I had just called on Wednesday asking for an update on my postponement status. Proper protocol has been circumvented and my homeowner 's rights have been abrogated illegally.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: SC

Complaint narrative:
failure to send borrower the following prior to foreclosure referral XXXX. In all states, Servicer shall send borrowers a statement setting forth facts supporting Servicer 's or holder 's right to foreclose and containing the information required in paragraphs XXXX ( items available upon borrower request ), XXXX ( account statement ), XXXX and XXXX ( ownership statement ), and XXXX ( loss mitigation statement ) herein. Servicer shall send this statement to the borrower in XXXX or more communications no later than 14 days prior to referral to foreclosure attorney or foreclosure trustee. Servicer shall provide the XXXX XXXX with copies of proposed form statements for review before implementation.

Company response to consumer: Closed
Consumer complaint received 2016-01-25 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Describe what happened so we can understand the issue ... 
I submitted this complaint once already but missed the cutoff to dispute so I am re-submitting it. 
In XXXX of XXXX I was granted a modification from Ocwen. When I made my XXXX trial payment it was held in a suspense account along with the other XXXX payments and {$100000.00} from Keep Your Home California. This money was not dispersed until XXXX XXXX. 
This is about Conventional adjustable mortgage ( ARM )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Duncan Solutions, lnc.
State: CA

Complaint narrative:
I was late paying a XXXX Toll fee and after paying {$25.00} to the toll company I received a bill for {$77.00}, sent them a letter of explaination and they sent me another fine for {$70.00}, no explaination just a total due of {$140.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: HW Holding, Inc
State: CO

Complaint narrative:
RE : Hunter Warfield Inc ( # XXXX ) I called the number provided when first contacted in writing by Hunter Warfield. I spoke to a representative on the phone attempting to make payments according to my financial capability. The representative was very rude and scoffed at my earnest effort to pay the bill over time. He said that every time a monthly payment would be made, that the company would charge an additional {$14.00} fee for payment acceptance thereby almost negating my attempt to pay over time. The representative offered no other solution to my problem except to threaten wage garnishment and court costs. In addition to these pressure tactics, Hunter Warfield contact my same phone number throughout the same day, every day, even late at night. This company went so far as to contact my employer several times almost causing me to lose my job. Please investigate this company as I believe that they have violated my rights as a consumer and this matter should be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
The IRS has placed a lien on the property of XXXX XXXX XXXX XXXX, XXXX CA XXXX. On XXXX XXXX a person tax lien. 

The IRS can not accept payment from an unknown party with no legal standing to ask to have removed a tax lien to commit civil fraud against me and the estate of XXXX XXXX. The estate has not been probated and the debtors and creditors have not been heard.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Computer Credit, Inc.
State: FL

Complaint narrative:
Enclosed I have XXXX medical Bills that was file in our Bankruptcy Petition on XXXX/XXXX/2015, and we are still receiving debt collector letters. 

Our bankruptcy case # XXXX XXXX District of Florida

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: IN

Complaint narrative:
my mort. company OCWEN ( crooks ) who took over for HOMEWARD RESIDENTIAL ( crooks ) who took over for XXXX BANK ( crooks ) who took over for XXXX ( crooks ) who took over for XXXX ( crooks ) I 'm not sure if I have them in perfect order but they are or were all crooks -- -- out to screw the consumer -- -- -the newest way is to ABUSE electronic check cashing on seniors or anyone who has been forced to use automatic deposit for SS- XXXX SSI- or pensions ... .OCWEN my current mort co. will start calling to harrass you if they dont get my payment on the XXXX of the month..the same day my ss and pension check gets auto deposited ... if i send the check to early they electronic cash it witch could cause over draft fees and if I send it to late I could get late fees -- -- I believe I should be able to stop them from electronic cashing my checks -- and make them do it the old fashon way by actually posting the check -- -- I NEVER AGREED TO ELECTRONIC CHECK CASHING and most places i send payments to dont use this ripoff practice -- - NOW you have places that want to charge you for auto bill pay -- -- ANOTHER CONSUMER RIPOFF -- -- I live in indiana and dont believe I should be forced into practices that can only rip me off and have no real benefit for me!!!!!! -- - When I sent my XX/XX/XXXX payment I sent an extra {$20000.00} to help lower my principal -- -- {$20000.00} total -- -- Ocwen in their rush to get the money -- -electronic cashed my check on XX/XX/XXXX -- -- applying all of the funds ( including XX/XX/XXXX payment of {$710.00} to XX/XX/XXXX -- -- this caused even my mort intrest statement to be incorrect for XX/XX/XXXX they corrected this XXXX -- -- - but never moved my {$20000.00} back to XX/XX/XXXX where it belonged so it still doesnt show on my statement under year to date transactions -- -- all so they can get the money before its due date!!!!!!!!!

Company response to consumer: Closed
Consumer complaint received 2016-11-16 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: LA

Complaint narrative:
I was forced into a loan situation using Peaks Loans instead of the XXXX loans i wanted to use while attending XXXX. I would like to get out of these loans but i can not get a loan to consolidate the payments at a lower rate than the 11 % i am being charged now. This company has alos reported that my loans were past due at times that they were n't and would randomly report that i was 90 days past due and then the next month state that i was current. This would bounce around like this for a while and i could not get anyone to discuss with me about the amounts and why they were the way they were.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: HW Holding, Inc
State: FL

Complaint narrative:
I personally called the agency and we came to terms on a payment arrangement. I had explicitly asked them to only contact me concerning the matter after I heard they had contacted multuple parties that have nothing to do with the situation. They continue to contact other individuals that do not directly relate to the debt after we had come to this agreement to include my wifes employer, my employer, other individuals associated with my last employer and individuals i served with XXXX to 5 years ago.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: SC

Complaint narrative:
We paid our mortgage loan ( # XXXX ) in full on XX/XX/2015 to Ocwen ( lender was XXXX XXXX XXXX ). After months of telephone calls, Ocwen has not released the lien on the records of XXXX County Va. I 've dealt with their Office of Consumer Ombudsman, a misnomer to say the least. I even collected a {$500.00} civil penalty under Va. law for their failure to deliver a release to the county clerk within 90 days of payoff, but can not get them to file the satisfaction/release after six months of the XX/XX/XXXX payoff.. I 'm aware of the XXXX dollar settlement with Ocwen & wonder how many complaints there have been like mine. Thanks-XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
In accordance to the National Ocwen Settlement agreement, Ocwen is to provide borrower a copies of any assignments of mortgage or deed of trust required to demonstrate the right to foreclosure. Ocwen has once again commenced foreclosure on our home without providing us the requested copies of assignments of mortgage or deed of trust. According to the National Ocwen Settlement agreement, Ocwen shall send borrowers a statement setting forth facts supporting Servicer 's or holder 's right to foreclose and containing the information required in paragraphs XXXX ( items available upon borrower request ), XXXX ( account statement XXXX, XXXX and XXXX ( ownership statement ), and XXXX ( loss mitigation statement ) herein. Servicer shall send this statement to the borrower in XXXX or more communications no later than 14 days prior to referral to foreclosure attorney or foreclosure trustee. Ocwen has posted our home for foreclosure without providing the requested documents before posting our home for foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I have a case already opened by CFPB ( XXXX ) Recently I received a Mortgage Account Statement from Ocwen that was rather Disturbing. 
Ocwen indicated that my original loan amount was {$900000.00}. This amount is completely inaccurate. I have emailed and fax a qualified Written Request ( QWR ) asking Ocwen to send me the original deed of trust and note that i have signed when i bought my house back in XXXX 2007. A XXXX has gone by and absolutely no respond from Ocwen. I have called to followup and every time after being on hold for a very long time somehow the phone gets discounted. what should i do now?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NV

Complaint narrative:
US Bank has failed to answer my questions and provide the documentation as we requested per our complaint with the CFPB, XXXX. US Bank forwarded this complaint to XXXX XXXX XXXX which XXXX also failed to answer our questions and provide the documentation as we requested. Since this occurred, we are exercising our right to re-submit another complaint against US Bank. Failure to comply will result in more complaints filed until we get the answers that we are seeking. Now, per US Bank, role of the trustee, ( US Bank own submission ) US Bank holds an interest in the mortgage loans for the benefit of investors, maintains investors/securities holder recorders, collects payments from the servicer and distributes payments to the investors/security holder. 
Now, we are requesting the following in writing ; 1st, we request to know what was the date our Note/Deed of Trust was transferred into the trust, XXXX Mortgage Loan trust XXXX which US Bank is the trustee for? 
2nd, we request documentation on the investor who US Bank N/A provided the certificate too at the time of the transfer into this trust/securitization? 
3rd, since XXXX, our original lender in 2006, which certificate holder/investor has US Bank N/A been sending our monthly mortgage payments to for our property/Note? 
4th, what were the payment amounts that US Bank has sent to the investor, investors or certificate holder? 
5th, what were the dates of these payments made to the investor/certificate holder? 
6th, does US Bank know where the original Note and the Original Deed of Trust is located at? If so, where are the original Note and original Deed of Trust located at and with whom? 
7th, does US Bank know where all the assignments that was provided to each investor of our mortgage loan? If so, where are these assignments located at and with whom? 
8th, is US Bank fully aware that XXXX failed to track assignments for our Note/Deed of Trust so XXXX would not need to record transfers from one investor to another? 
9th, since XXXX did not record any assignments and failed to keep track of assignments from one investor to another, does US Bank know why XXXX failed to do their job correctly? 
Please answer the above questions in writing and provide documentation! Now, due to the fraud that has occurred by the companies that are handling our mortgage loan, this information does in fact pertain to our mortgage loan and we have the right to have to this information. Failure to comply must result in the following but not limited to the following ; a full investigation from a federal agency, fines being imposed, loss of business license, criminal charges filed, incarceration, lawsuit, compensation for damages, mental anguish, and emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This morning I receive an email notification from XXXX ( 3rd party fraud/financial monitoring service ) that the APR increased on my Chase credit card ( from 5.49 % to 5.74 % ). I was very surprised by this because 1 ) I had never received any notification from Chase about this change, and 2 ) an APR increase reflects that Chase may perceive me as a higher risk, which concerns me because I pay my balance in full every month. 
I called Chase to ask about this change. The first person I spoke to looked up my account history and stated that there has never been any change to my account since its inception, and that it had always been 5.74 %. After hanging up, I went and checked my individual statements. In fact, the rate was increased between XXXX and XXXX 2016. I then checked my emails and texts ( since I 'm on paperless billing and receive text alerts from Chase ), and there were no messages on this either. 
I called Chase a second time, and this time the representative said that this change was made, and notices were sent to everyone ( although I never received any specific information confirming that the information had been sent to me ). 
Since I do n't carry a balance, I am not directly financially impacted. But I am deeply concerned that a bank would increase rates without notification ( if I were carrying balances, I would have had no opportunity to make alternative financial plans in advance of the change ). I am very troubled that XXXX calls within the space of an hour elicited such difference responses in terms of what actually happened with respect to the rates on my account. I am left wondering whether the operational processes are adequate, and if this can happen so easily, what else could happen. As a customer, I do not feel valued when the rates are increased despite my impeccable payment record. One agent mentioned that I do have the option to close the account if I do not agree to these terms. This feels a bit drastic in my particular situation, but I do feel strongly motivated to shift my spend to other providers, as something feels fundamentally wrong when a bank changes rates without notification or explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MS

Complaint narrative:
Coming out of Chapter XXXX Bankruptcy XXXX 2015. Instructed by XXXX. that Bankruptcy satisfied and mtg. payment should be paid to mtg. co. starting XXXX 2015. Mtg. payment madeas scheduled and in XXXX 2015 loan turned over or bought by new servicing co. where mtg. payments will start to them in XXXX 2015. Mtg. payment made to new servicing co. and I find out that prior servicing co. turned over a {$5000.00} delinquency. I have provided all the court documentation from the Bankruptcy and copies of all payments made after Bankruptcy closed and am now going into month 4 with current mtg servicing company and the " 5 year requested audit I made in writing to them and XXXX '' has yet to be completed. I was told by XXXX that their our time limits for them to comply. I was also told that the prior servicing company had no obligation to submit their documentation to XXXX. I am writing to your agency to stop " this blame game '' and get the audit completed. The new servicing company is indicating that I may be responsible for " Fees '' associated with this. Is that correct? How long does the current servicing company have to comply with the audit? The servicing company that fraudulently submitted the arrearage to the current servicing co. is Ocwen Mortgage. The new servicing company is XXXX, XXXX Also, please provide me with specific time allowance for mortgage servicing companies to comply with customer requests. Thanking you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 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: HW Holding, Inc
State: CA

Complaint narrative:
XXXX XXXX has submitted to the collection company Hunter Warfield unauthorized charges for cleaning fees from apartment I lived in for 1-year until XXXX/XXXX/XXXX California Civil Code Section 1950.5 States : " The tenant is not responsible for damages resulting from normal wear and tear You can not charge cleaning fees for conditions caused by normal wear and tear during the tenancy or previous tenancies, or for cleaning a rental unit that is as clean as it was when you moved in. '' Civil Code Section 1950.5 ( b ), ( e ). 

The lease agreement states : That I agree to leave the premises clean and in the same condition received, except for ordinary wear and tear. I left the premises in better condition then I received ( included are photos of the dirty apartment when I moved in ). According to the lease, California Civil Code and California Tenant Rights : when I provided my 30-day notice I 'm entitled to an " initial inspection '' that requires a list of proposed deductions beyond normal wear and tear. This inspection was scheduled on XXXX/XXXX/XXXX to be held on XXXX/XXXX/XXXX from XXXX-XXXX and no one showed up. I have phone records showing I called and talk to manager XXXX XXXX and she never got back to me, and no one showed up for my scheduled initial inspection. Under California Tenants ' Rights, the initial inspection shall provide itemized statement of intended deductions beyond normal wear and tear. 
The cleaning fees that Sequoia equities is charging are from normal wear and tear, which under California Civil Code Section 1950.5 I 'm not responsible for because I left the apartment in better condition and received my full deposit back. They have no documentation, stating that the cleaning fees are from beyond normal wear and tear because they never showed up to the agreed initial inspection providing me with the proposed deductions and the opportunity to fix any identified deficiencies beyond normal wear and tear. 
On XX/XX/XXXX I sent a letter to Hunter Warfield disputing these claims by providing evidence and asking them to validate the debt within the required 30-day period. Under the Fair Credit Reporting Act they are in violation by reporting these claims to the bureaus some 4-months later with no accurate validation required. After not receiving the validation. I contacted XXXX XXXX on XXXX/XXXX/XXXX no response so I called Hunter Warfield again on XXXX/XXXX/XXXX at XXXX pacific and talked to XXXX asking again for Validation they said " NO '' then a manager got on the phone and I asked him the same thing he said " NO '' then hung-up the phone.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
On XX/XX/XXXX a tree fell on our house. The insurance company put the house as a lost and sent the check to Ocwen Loan Servicing on XX/XX/XXXX. Ocwen sent us froms to fill out and we did that and waited for them to start sending us the money to start fixing our house. But then they wanted something else to fill out. this went on until I called and told them I was going to send in a complaint to CFPB thats when they sent me my first check. And after 50 % of the wok was done they sent me the second XXXX. Now it has been over XXXX months that XXXX % work has been done and they are giving me the run around again telling me they need more paperwork that has already been send to them.On XX/XX/XXXX I was told that my last check was bring sent out with in the next XXXX to XXXX days. Today is XX/XX/XXXX I just got off the phone and now they are saying it 's still under review. It has been a year and XXXX months we have been waiting to get own home fixed. Just need to know what we need to do now.

Company response to consumer: Closed with explanation