vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NV

Complaint narrative:
Ocwen Loan Servicing keeps force-placing insurance on my account, which creates a negative balance in my impound account. They then sent me a notice that I am XXXX or more days past due. I contacted them and they " resolved '' the issue. Several months later they again force-placed insurance, again creating a negative impound account balance and I was forced to pay an additional {$180.00} ( that I did not owe ). They increased my monthly payment from {$1300.00} to {$1400.00}. I called multiple times with no resolution. I am still waiting for them to credit my impound back for the unwarranted force-placed insurance. I was told they would email me the escrow analysis and I have yet to receive it. I have provided them with my insurance binder several times for the time period they keep saying I had no insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I was a customer at chase bank, I recently found out that someone had been trying to hack into my account. I 've gotten emails from the bank saying that there was a large amount of money goin into my account, it seemed weird, a couple of days later I noticed that my own money that was already in my account was starting to disappear and that 's when I went to the bank to find out what was going on. The young man that I spoke to be told me that someone was trying to deposit fake checks into my account and by them doing that they froze my account and they also told me that I could never open an a account with them again nor could I take my money that was left in there. I felt like that was n't right I should n't be punished because of what someone else did and you telling me I ca n't take the remainder of my money! I work hard for my money and for you to just take it away like that was not right and now I do n't know what else to do, so I 'm hoping you guys can help me to fix this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: MO

Complaint narrative:
I continue to dispute the XXXX modification, field adjustments and another XXXX they think I owe. 
In XXXX I owed {$210000.00} + {$43000.00} + {$20000.00} = {$280000.00} balance due {$150000.00} to fleet. {$55000.00} to XXXX. {$360000.00} to XXXX = {$620000.00}. 
{$140000.00} to XXXX. {$50000.00} to XXXX. 
= {$180000.00} = {$130000.00} to XXXX XXXX + {$61000.00} forclosure sale and their Attorneys value of {$78000.00} = {$130000.00} Total paid since XXXX = {>= $1,000,000} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they want MORE!? 

{$110000.00} taxes and insurance + {$44000.00} paid to credit cards - {$160000.00} + {$270000.00} balance = {$100000.00} more. 

{>= $1,000,000}. INTEREST in 17 years. 
At {$70000.00} per year this is over 25 % interest -if I pay off a {$270000.00} balance today ( I have n't even paid off the {$20000.00} from XXXX that I never refinanced ). 

XXXX XXXX XXXX released XXXX mortgages in XXXX XXXX released twice and XXXX released another loan for the second time. All of which were supposedly paid of off from the current mortgage they refuse to release. 
XXXX offered me a refinance in XXXX I did not accept or sign. I will attach

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
On XXXX/XXXX/XXXX my lender pulled my report and OCWEN was reporting a past mortgage almost correctly under my bankruptcy but still reporting a balance. I just had my lender pull a new report on XXXX/XXXX/XXXX and now they are completely violating the FCRA laws and completely ruining my ability to move forward with any financing. It now shows ( XXXX ) 90 day lates, the notes changed from CH XXXX BK to Foreclosure proceedings started XX/XX/XXXX, show a balance and a large past due amount. They need to report this correctly ASAP and confirm it is done in writing. I have included an attachment showing their malicious intent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: AL

Complaint narrative:
in XXXX XXXX i got papers to file for a loan motification, Ocwen approved iitthe motification. over the phone i called thier number and the automatied teller said my payment was now going to be XXXX and that my XXXX XXXX payment was being difered also i talked to 2 tellers who also told me my payment would be lowered and my XXXX payment was difered. i called again in XXXX XXXX to verify that i did not owe a payment for they month of XXXX XXXX i sent Ocwen XXXX in XXXX XXXX which is what my statement said i owed for that month i also sent XXXX in the same amout of XXXX in XXXX ocwen started sending me statements stating that i was 2 months behindon my payments. now they are saying i owe XXXX and i f i dont pay it to them they are going to put it up for short sale. the XXXX XXXX i recieved paperwork staing that my loan motification wasnt aproved this is the first i have heard that it was not approved. i have never been late on a payment or not payed a payment in the 10 years i have lived here.

Company response to consumer: Closed
Consumer complaint received 2016-02-19 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NJ

Complaint narrative:
Posted Bedroom furniture on XXXX for {$1000.00} ( XXXX/XXXX/16 ). Was contacted by XXXX XXXX XXXX. He said was on assignment on XXXX. Would have assistant send money order for {$1000.00} to cover furniture + {$40.00} to hold. Later notified that assistant made mistake sending XXXX {$980.00} money orders ( MoneyGram XXXX and XXXX ) instead of XXXX for {$1000.00}. He asked if I could send change of {$930.00}. I was suspicious, but when I took money orders to XXXX XXXX branch ( XXXX/XXXX/16 ) in XXXX XXXX, NJ was told by cashier ( XXXX ) that the money orders were " good '', " same as cash. '' I made the mistake of believing the cashier. I sent a MoneyGram money order to XXXX XXXX XXXX in the XXXX ( MoneyGram Reference XXXX, XXXX/XXXX/16 ). On XXXX/XXXX/16 XXXX XXXX returned both deposited money orders as " fictitious. '' I went to XXXX XXXX and eventually was told there was nothing they could do ( XXXX/XXXX/16 ). I contacted MoneyGram and eventually was told there was nothing they could do ( XXXX/XXXX/16 ). MoneyGram case XXXX. XXXX told me I should contact the local police. I filed a police report with the XXXX XXXX police ( XXXX/XXXX/16 ).

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

Complaint narrative:
OCWEN loan servicing has not only mis-applied mortgage payments consistently, they are also holding XXXX in escrow funds. Their sub-contractor XXXX has also falsified inspection and appraisal reports regarding the mortgaged property. In addition they issued another XXXX in repair funds to a contractor who then mis-appropriated that funding against XXXX falsified inspection reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
We applied for a pre-approval through this lender in XXXX of this year, after credit review, we were issued a pre-approval letter and we 're told that we would then have to find a home and once the purchase agreement was signed, we can move on to the next step. Also, we were told as long as we paid a collection, XXXX credit cards, and a judgement, and it was all done before closing we would be just fine. We finally found a house and signed the agreement in XXXX. I had then gotten an alert that my credit was pulled again. When asked, the lender said the initial pull was just a soft pull and that we were 1 day too late to do a trimwrgr, therefore he had to pull our credit again. For some unknown reason, our credit scores had dropped significantly. He then had to choose a different lender than he had chosen previously. Now comes the day to go in and sign papers. The purchase price of the home was $ XXXX and we were told that we needed to add an additional $ XXXX to cover fees and costs. We did n't really know what that was all about, but we 're told to trust him and he would explain. During application signing we were told that the additional funds were to pay for 1 year HOI and property taxes, etc so we signed and then came another paper. On top of the $ XXXX they had added an additional $ XXXX, which was their cost to do the loan, this was not disclosed to us prior to signing. Asking around, we had people telling us to negotiate that, b/c it seemed like a very high fee. Now that papers had been signed we were ready to move forward. Everything was getting paid and proof was being sent. We were told the underwriter needed to not only need proffered of payment for the judgement, but also needed it pulled from our report. Which brings the XXXX inquiry on our credit. Once that was completed he was informed by the lender that it was not pulled off of all XXXX bureaus, so we had to fix that and we should be good to go. Which brings on a XXXX inquiry. After that was completed we received an approval and a move forward on ordering the appraisal. We submitted the payment, which was taken out twice, and the next day we received an email from our broker stating the loan has now been turned down due to the fact that the judgement was not paid for over a year. This has now turned our entire world upside down. This has not only affected our credit, but has also negatively impacted our family. We did n't sign a new lease with our current home, knowing we were moving, and also switched our sons school b/c we were moving into that district, being told the entire time we were to trust this person and we were going to be moving into our home in the next 30-45 days. Our scores have dropped over XXXX pts and have contacted several banks to help us, to now only be told there is nothing we can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09 00:00:00
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
XXXX XXXX XXXX is reporting a foreclosed XXXX mortgage to my credit report with inaccurate dates. They are intentionally leaving this as an open debt to protect me from me from being able to purchase another home. I am unaware of who this company is and lost the property they are referring to in XXXX when I went through a divorce. This is now an unsecured debt. They are erroneously reporting the date of last activity in XXXX. This company has not received any payments from me since XXXX. The account should be in " collections '' instead of an activity account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
OCWEN has been mismanaging my foreclosure for almost XXXX years now. After filing for bankruptcy my foreclosure hearing was suddenly dismissed without prejudice, which means they can refile at any time. Currently I am in conversation with XXXX different people, XXXX at XXXX XXXX, the Trustee and XXXX at OCWEN. I 'm asking to speak with someone who has the authority to dismiss the lien now that the note has been discharged and the property is a liability rather than an asset to either the bank or to me. Ultimately I would like the lien discharged or for the foreclosure court ( Maine ) to simply dismiss the case with prejudice so that I can get on with managing the property at a loss because it has sentimental value. The first step would be to identify someone at either OCWEN or XXXX XXXX who has the authority to make that decision, if in fact they agree with my cost benefit analysis and simply want to close this case. Otherwise, I want them to discuss options with me. 

The customer service at both XXXX XXXX and OCWEN has been atrocious. It seems to me this is one of the important roles of government to protect individual consumers from huge corporations ( is OCWEN approaching monopoly status? ) that are poorly run and are managing arguably the most precious asset most families will ever own. 

Please help me resolve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16 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: FL

Complaint narrative:
I was given a notice to vacate XX/XX/2015. I paid for XX/XX/XXXX then vacated XX/XX/XXXX. I have proof of payment on my bank statement of this transaction on XXXX/XXXX/2015. I am now being asked to pay {$3100.00} for early termination fees along with rent due when it should be {$1900.00} because I paid a full month 's rent of {$1200.00} for XX/XX/XXXX just before I left on XX/XX/XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Over the past year and a half, I have been subjected to a barrage of harassing phone calls, letters and other predatory loan servicing tactics by Ocwen Loan Servicing , LLC . First, Ocwen has repeatedly charged me for lender placed insurance ( using what is likely a sister insurance company of Ocwen called XXXX XXXX XXXX XXXX XXXX ), despite me consistently showing that I have an insurance policy in place for the property. Every time they have placed it on my account, I have shown them that I do indeed have property insurance and requested them to cancel their lender placed insurance policy. Often Ocwen would say that they could only accept proof of insurance via fax, which I would comply with, only to be told they did n't receive the fax. When Ocwen would cancel their lender placed insurance policy, they would shortly thereafter ( if not immediately thereafter ) send me new notices demanding proof of property insurance. In fact, one time they sent a confirmation of cancellation of lender placed insurance along with a new notice of intent to purchase lender placed insurance on the same day! Second, Ocwen 's agents would call me virtually every day or other day at odd hours, threatening me with all sorts of penalties, charges and trashing my credit if I did n't provide them with what they were demanding. Recently they have demanded that I provide proof of insurance for personal items in the property. This is utterly ridiculous and absurd! The personal items in the property are not collateral for the mortgage that Ocwen is servicing. Nothing in the mortgage agreement requires insurance for personal items in the property and the insurance policy that I have in place for this property satisfies the insurance requirements under the mortgage agreement. I am tired of dealing with their dishonest, fraudulent and abusive tactics, and frankly I just do n't have the time anymore. I am lucky in that I work in real estate and at least have an idea of what 's going on here. What worries me is that if this has been happening to me, I can only imagine how much Ocwen is taking advantage of people who are not so able to defend themselves. I have read about Ocwen being regulated by both federal and state governments for their criminal behavior, and yet they are still allowed to continue operating. Ocwen needs to be shut down permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16 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: VA

Complaint narrative:
Peaks loan company is unwilling to assist with repayment options, I never signed up for them and was never informed by XXXX XXXX, and their interest is the highest I have ever seen for student loans.

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 2015-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Integrity Solution Services, Inc.
State: TX

Complaint narrative:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Ocwen financial continues to charge us for home flood insurance despite us not being in a flood zone since 2014. We have sent Ocwen the proof, from FEMA, stating that we are not in a flood zone since 2014. They have even acknowledged receiving the proof ( letter ) we sent to them stating we are not in a flood zone, each year since 2014, but they continue to try and forceplace flood insurance every year in XXXX when our escrow account is renewed. They are clearly trying to charge us for something they know we do not have to pay and they make it very hard for us to get the flood insurance they 're trying to forceplace canceled, despite us sending them all of the necessary paperwork 2 months prior. This is a wide practice and I am shocked that they continue to do this. They act with impunity and they 're harming consumers. I would like to see some action taken against them for knowingly trying to charge customers for something they do not have to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Central States Recovery, Inc.
State: MN

Complaint narrative:
I Called the collections agency at XX/XX/2017 XXXX check the status in my account because was show is my credit report without any information o letter from that company, when I explain I was dispute portion and I request validation of the debt they claim since they do n't have license in Minnesota they cant mail any letter, but they can report it.last month they updated another account in my credit

Company response to consumer: Closed
Consumer complaint received 2016-09-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/1981 XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX ACC # XXXX XXXX XXXX # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reportsPlease let me know if you need any other information from me to block this information on my credit report.Sincerely, XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/1981 XXXX XXXX XXXX XXXX, XXXX, FL XXXX

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 2017-01-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Trans Union had a glitch in the system that violated the rights of the consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as as result. 
No notice was ever given which is also a violation and I am requesting that ALL inquiries listed below be REMOVED. 

XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016

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