vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-12 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I am very upset. I have been charged overdraft charges everyday for 3 days as the overdraft charges are causing more overdraft charges. Yesterday they even reordered on check to get an extra overdraft charge. This is all because XXXX large check was deposited earlier than the person said he would deposit it. I talked to someone yesterday that said no supervisor was available to speak to and one would call back which has not happened. 
I tried to chat online and they did nothing. I spoke to a supervisor on chat who did nothing

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
I was less than a week late for my car payment, it was repossessed without even a call to resolve first. When I called to see if it had been repossessed or stolen, I was told they would no longer do business with me and there was no possibility of getting my car back. Bridgecrest then told me I may or may not even be allowed to get my car seats back because it was n't my car anymore.

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 2016-09-10 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I am an 18 year customer of PNC XXXX. My age is XXXX and my current XXXX score is XXXX and my current XXXX score is XXXX. My net asset value is around {$400000.00}. Yesterday I was taking my 37 year partner ( age XXXX ) to the XXXX of the XXXX XXXX for a XXXX. We left the health care facility after XXXX and went to a PNC Branch office at XXXX XXXX XXXX, XXXX, OH XXXX. I had a small {$6.00} check from XXXX XXXX to cash and my partner deposited {$200.00}. When I presented my check with my signed PNC Bank Card I was told that I needed a driver 's license to cash it. I asked if the manager could approve cashing it. The teller said he is right behind you. I asked the manager if it was really necessary to have a drive 's license to cash a {$6.00} check when a signed PNC Bank Card was presented and if he could override it. In a very aggressive way he said, Yes I can, but I will not do it for YOU. I then strongly told him that everything he just said and did was on camera and in front of witnesses. Then he shouted across the lobby, " Do n't YOU ever come back to this branch ''. On the way out the door I looked at the manager and said, " XXXX XXXX, you 're going down. '' Meaning that the rude and unprofessional way you treated me is being reported to upper management. 

On my way home I stopped at PNC 's XXXX XXXX XXXX and asked XXXX how to report this treatment and just by chance an area supervisor was in the branch. I spoke to XXXX and she recorded what happened. When I got home I received a phone call from Officer XXXX XXXX Police Department. He told me that the PNC manager, XXXX XXXX, filed charges against me for threatening his life! 
CC : FILE

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC
State: TX

Complaint narrative:
I access over XXXX dollars in fees from Bmw Financial in late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Ocwen loan servicors is trying to collect a debt they do not have the legal standing to collect from me. Ocwen has asserted themselves on my homeowners policy as my mortgagee, they do not have any documents to support this claim. At best they are a default dect collector which I have no legal obligation to pay any money too. They have not been able to validate the debt according to the law. 
They acquired the suppose debt when it was in default therefore they could never be a true correct or legal mortgagee. The remedy I seek is for them to remove themselves as mortgagee from my XXXX XXXX casualty insurance policy so I can have a check issued to me without them as a cosigner. 
I do not believe that I Ocwen has the legal standing to ask me to pay them anything as all the documents they have sent me do not have their name as the original creditor on them. They have sent time and time again documents that do not contain their company 's name as a creditor. Therefore I believe that they 're standing is illegal and they need to stop interfering.

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

Complaint narrative:
After the demand was made for the necessary interior BPO for the short sale on my house, Ocwen hired XXXX XXXX XXXX XXXX XXXX ( not XXXX ) to do a mock appraisal of it. I had to beg the young ( XXXX year old ) non-broker ( who was probably not an inspector of any kind ) to take pictures. ( I saw the young man delete pictures from his phone before he left the premises, and they definitely looked like my interior house photos. [ Although, it may be that he did so after uploading them to a server ] ). I scheduled the BPO not realizing that our real estate agent could n't be there at that moment. Our broker-salesperson said based on the description of the incident and the very, very incomplete submission she and the buyer got word of, that he was probably a " runner '' ; a non-appraiser hired cheaply by the actual inspector to " run though '' the dirty work for that person 's convenience / opportunity to close more inspections in a shorter period for a higher income. Our broker and the buyer came in a couple more times to take their own pictures to be submitted to the bank and my XXXX Hope Program attorney. A pending complaint was launched with the DLLR. We know that Ocwen will try to get what they want ( as opposed to what 's equitable ) by any means. The inflated price they attached could have scared off the buyer had he not been able to negotiate skillfully. What 's at the crux of this is that we just found out that no one gets a copy of the BPO except for Ocwen and the bank, XXXX. We would have ( despite the expense ) put in for a BPO with someone we hired had we known that Ocwen could / would doctor the results to fit their own agenda. And the revised sale contract for the new amount on the house removes the provision of up to 90 days given at the buyer 's discretion for us to vacate the property. The previous contract made that provision. Also, we have found out about Dual Tracking, which definitely appears to have been done in our case.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
OCWEN Loan Servicing Center, LLC Attn : Escrow Department XXXX, XXXX XXXX RE : Escrow erroneous payment collections & over collecting of funds not disbursed as claimed ( FRAUD ). 
ACCOUNT # XXXX I have called Ocwen for over 6 months now to correct my escrow account related to my home and it still has not been corrected. Attached you will find documents proving the following. 

1. Ocwen is over collecting for property taxed owned annually on the property. The city of XXXX tax Bill is {$2300.00} for XXXX Not {$2900.00}. That 's a difference of {$510.00} that was over collected and missing. 

2. See the attached receipt from the City Of XXXX showing that a payment in the amount of {$1200.00} was received on XX/XX/XXXX not the {$1700.00} as reported by Ocwen. Ocwen is not trying to collect an additional {$670.00} for a shortage they claim is owed on my account for XXXX taxes and a shortage for XXXX. 

3. According to my records OCWER over collected on the taxes for XXXX and are billing me for XXXX for more than what is actually owed? Ocwen 's records show the taxes are {$2900.00} but in actuality they are only {$2500.00} Again, over collecting for the year XXXX. I am being over charged annually and billed for over payments causing my monthly mortgage to rise annually. 

I would like a review of my escrow account to be conducted and every penny accounted for. I would like OCWEN To contact the city of XXXX to see why they show a payment of only {$1200.00} being made on my behalf in XXXX from OCWEN but Ocwen report a payment of {$1700.00}. OCWEN needs to find the missing {$420.00} that was not posted to my property tax bill and also not reflecting in my escrow account. This money did n't simply disappear!!! OCWEN needs to adjust my escrow account to reflect the correct annual tax amount to {$2500.00} not {$2900.00} so I am not being over charged and more money disappears. 

Once the escrow account is reviewed, and all money properly accounted for my escrow account should not reflect a shortage of XXXX at which time I respectfully request my escrow account be closed. I will start to pay my tax bill directly to avoid over charging, lost payments and release myself from what I feel is a completely incompetent escrow accounting system OCWEN partakes in. 

Please feel free to contact me directly at XXXX or by email at XXXX Sincerely, XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
In its letter dated XXXX/XXXX/XXXX & which I received by mail on XXXX/XXXX/XXXX, & pursuant to CFPB File numbers XXXX & XXXX, Ocwen Loan Servicing , LLC formulated its final determination on some aspects of my complaints. It will not delete a late payment notification to the Credit Bureaus which relates to XXXX XXXX & it also makes the following assertion : " Additionally, as reflected in Ocwen 's XXXX XXXX, XXXX response to you and to the CFPB ( file number XXXX ), Ocwen disbursed a property tax payment of {$2900.00} to XXXX XXXX on XXXX XXXX. XXXX, prior to the loan satisfaction on XXXX XXXX, XXXX. In response to your most recent correspondence, Ocwen contacted XXXX at XXXX XXXX, who advised there was a delay in that office processing duplicate payments. XXXX advised the duplicate payment would be processed within 30 days. As soon as Ocwen receives a refund for this payment, the funds will be forwarded to you ; however, as the funds were not originally disbursed in error, there is no more Ocwen can do to assit in expediting this matter ''. 

This aformentioned statement by Ocwen is misleading. In fact, upon receiving Ocwen 's letter today, I immediately communicated with XXXX XXXX XXXX at XXXX XXXX XXXX ) which informed me that the only executed property tax payment in their books for the property in question is from " XXXX XXXX '' and dated on XXXX/XXXX/XXXX. According to their records, they returned to Ocwen " unprocessed '' duplicate checks on XXXX ; XXXX & XXXX. Presumably, the unprocessed duplicate check returned on XXXX would apply to my former property. In fact, based upon an email communication with XXXX XXXX XXXX on XXXX, Ocwen had made the following statement : " The taxes HAVE NOT been paid, they are scheduled to be paid by end of the month. They are assessing you a {$480.00} fee for the shortage that will be in the account once the taxes are paid ''. 

According XXXX XXXX, they do not process duplicate checks and that they simply return them to those who sent them. 

Why is Ocwen making such misleading statements concerning this property tax issue? Why is Ocwen so resolute in delaying to provide me with the required refund? Why does that Ocwen keep on insisting that I should have also made duplicate payments related to the XXXX mortgage payment when its PayOff quote already included such payment amount? Would it then come up with other made up causes which would obligate it to delay making all required refunds?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
Ocwen Loan Servicing , LLC has stopped sending me monthly account statements. I am a XXXX veteran who has to rely on a volunteer to come in to write checks for me. Not having statements makes it very difficult for me to make sure I am timely with my payments. I have called Ocwen about this problem and they have refused to resume sending statements. They hung up on me when I was explaining this hardship.

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

Complaint narrative:
I found my house value it is the same as when i first bought it and have put more money in it than I can sell it for. {$25000.00} my house is 117 years old I have been here 27 years paid all my mortgage payments I refinance in 2001 for XXXX still owe XXXX i feel like I am in a losing battle here. is there hope I can get a reasonable resolution I am paying 9.5 % home insurance is way high i am XXXX is there any good advice on this my income is {$29000.00} I just put in new furnace and roof bathroom electric. I am house poor.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: HW Holding, Inc
State: CA

Complaint narrative:
this company Hunter Warfield XXXX has been harassing my family looking for someone who owes them money when we have told them to please stop calling this number and they cont. they are very rude and threaten us with law suits jail etc ... Please make them stop

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: SC

Complaint narrative:
failure to provide a XXXX account statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: AL

Complaint narrative:
I applied for a modification with Ocwen loan servicing on XXXX/XXXX/2015. I sent them a letter from my new employer stating what my new income would be and that I started my new job on XXXX/XXXX/2015. I did not receive my first paystub until XXXX/XXXX/2015. They sent my authorized 3rd party a letter stating that they were going to go through with the foreclosure sale on XXXX/5/2015 because I was not going to be able to provide them another paystub till after the foreclosure sale. I submitted this review almost a month prior to this sale and I have new income that they are not willing to review. Please help to allow for my review to retain my home!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I received a call from someone stating he was with the XXXX XXXX County court and was trying to contact my Mother. I asked what it was in regard to and he stated she was being served and he needed to verify that someone would be home. He stated they had made 2 attempts and if she was not available after the 3rd attempt the legal proceedings would begin without her. I was given a number to contact to get more information about the case. The caller stated due to federal regulations he could not give more information because was in the dispatch center. I called the number that was provided and it was the corporate office for XXXX XXXX in XXXX California. That 's when I knew something was n't right. I was able to provide my mother 's social security number so they would speak to me about the file. My mother is deaf which is why she did n't call herself. I spoke with a XXXX and was advised that a debt was owed for an HSBC/XXXX credit card that was opened in XX/XX/XXXX. When I explained that there was no way a credit card was opened in XX/XX/XXXX, he said then why has someone been making payments on the account. He said the last payment received was for {$180.00} on XXXX/XXXX/XXXX. He said that 2 letters were already sent out and wanted to know why they were ignored. I said, I 'm not my Mother so I have no idea. When I asked about it being fraud, he said that would be decided in court. I also asked why this does n't appear on my Mother 's credit report. ( I know what is on her report because I help her monitor her credit. ) He responded there are XXXX reasons. XXXX because they are either waiting on a judgement from the court or for the client to accept an offer an pay the debt. I again said there is no way any credit was opened in XX/XX/XXXX and I know this because I opened up card on my Mother 's behalf in XX/XX/XXXX. He said then you did open the account. I said, no sir that was in XX/XX/XXXX. He told me all calls are recorded and wished my mother the best of luck in court. The call ended. I called back to get more information on the company. XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX. When I asked for more information, he refused and said that he would provide more info when my XXXX mother called. I said I 'm trying to get information so she is available when she is served. He then said that she will be served when he submits the order. That 's when I knew something was really wrong. Someone originally called and said he was from the courts trying to serve my Mom, but she 's always home and no one has served her. The original caller must have been associated with XXXX XXXX and mis-represented himself. The validity of this debt and the dates involved are in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-16 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
XXXX XXXX continues to claim I am responsible for the mortgage on my ex-husband 's property even though I signed a Quit Claim Deed that was filed with XXXX County on XXXX XXXX, 2011. I corresponded directly with XXXX and included a copy of that Quit Claim Deed but they completely ignored it. They referenced a note I signed in XXXX 2011 ( which was clearly prior to the filing of the Quit Claim Deed in XXXX 2011 ) for my ex-husband 's property and stated a divorce did not release me from the debt. Note, they did not once mention the Quit Claim Deed in their correspondence to me, i.e., they intend to continue to perpetuate this fraud. It needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HW Holding, Inc
State: CO

Complaint narrative:
I was a resident of XXXX XXXX XXXX in XXXX, Tx. I recently moved due to a job transfer XX/XX/XXXX. I gave 30 day notice on XX/XX/2015. I was not contacted by the apartment complex until a couple of weeks ago when a collection agency sent me a notice that I owed almost {$1600.00}. I have never been notified about any past due charges prior to the collection agency sending me a notice.. I also contacted their corporate office. I was told that someone would call me back and no one has. XXXX XXXX advertises a gated community and the gate has never worked, I was without hot water for four days XX/XX/XXXX, dryers in the laundry room have been down for months, roach issues, stray cat issues. I was made to pay an extra {$300.00} deposit before moving in with no reason as to why.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Revenue Recovery Corporation
State: VA

Complaint narrative:
There is a derogatory remark on my XXXX score and this was paid several years back. The medical company and collection company were sending statements to an address I had not lived at for 15 plus years. They finally called me at my employer and I paid it right away.

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 2015-06-03 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: DE

Complaint narrative:
In XXXX of 2011 my mortgage company, Ocwen, modified my mortgage under the MHA-HAMP program. I believe this modification was unfair, deceptive and predatory. I only recently realized that the term of the modification was only for 47 months with a ballon payment of approx {$210000.00}!! Given my financial circumstances, it does n't take a genius to recognize the fact that I would never be able to make such a ballon payment. Therefore, I believe that the modification that Ocwen gave me in 2011 was nothing more than a deceptive and predatory ploy to collect partially on a debt. Ocwen also recently denied my new request for a MHA-HAMP modification saying that I had " too much equity in my home ''. Then Ocwen said that I was n't eligible for HAMP because the maturity date for the ballon had expired. Ocwen were the ones that put me in such jeapordy in the XXXX XXXX place

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: NY

Complaint narrative:
Collection agency calling me and my wife everyday at inconvienient times while at work an at home. They say I owe {$1100.00} which is absolutely false and untrue. They said I would be reported to the credit bureaus that would ruin my credit if I didnt make a payment to them. I have never done business with this company in my life and this is the XXXX time I 've even heard of this 'company '

Company response to consumer: Closed with explanation