vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Maximum Title Loans, LLC
State: AZ

Complaint narrative:
I have had an auto title loan with Maximum Title Loans for several years. 
Interest payment was due on XX/XX/XXXX. On XX/XX/XXXX, I called MTL and told them I planned to sell the car, then pay off the loan and interest. Rep agreed to my proposal. 
My car was repossessed on Saturday, XX/XX/XXXX, when interest was 14 days past due. I received no notification that our agreement would not be kept. 
On Monday, XX/XX/XXXX, I spoke to an MTL rep, asked that MTL hold to our agreement of XX/XX/XXXX, that repo fee be reversed and car returned to me. They refused. 
I tried over a period of three weeks to obtain the name and email of the owner of MTL. The reps I spoke with refused to allow me to contact him. Finally, on XX/XX/XXXX, I was given the information. 
On XX/XX/XXXX I asked the owner by email to return the car ; he waited until two weeks later to respond to me. He said my car had been sold at auction on XX/XX/XXXX. 
I 've received no written notice of the sale of the vehicle nor any written accounting of balance due. 
They have repeatedly harassed, threatened and bullied me and my contacts. They continue to call up to 9 times a day, plus emails and voice messages. 
I have twice sent emails requesting that they stop phoning me and my contacts and have told them over the phone to stop calling me. All requests have been ignored. 
The car was worth much more in a private sale than at auction. Had MTL held to our agreement of XX/XX/XXXX, I would have sold the car and paid off the loan long ago and be now free of the debt.

Company response to consumer: Closed
Consumer complaint received 2015-09-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I have not been able to get an in-house loan mod from Ocwen Fl. I have been working with Keep Your Home California and they have approved me XXXX already for their mortgage reinstatement program as well as assisting me for XXXX months with my mortgage payments and property taxes and HOA dues in arrears. All of this financial assistance is conditional upon Ocwen working with KYHC and granting a new loan mod that would finally make my fluctuating mortgage payments much more affordable and predictable. Ocwen has XXXX refused to cooperate with KYHC and had me go through their Request for Modification Assistance program XXXX even though they had apparently previously decided that my loan would never become eligible for an in-house loan mod. This goes directly against their signed {$2.00} billion agreement stating that they would no longer engage in a dual track system. 
Furthermore, Ocwen is claiming that since my loan was bundled into an MBS package, that it therefore precluded me from ever requesting an in-house loan mod. However at the time of the signing of my then my new loan agreement in XX/XX/2005, it was never disclosed to me during the loan disclosure session that I was now disqualified from ever asking for an in-house loan mod. Therefore, my contention that their repeated statement that they were unable to grant me an in-house loan mod because the amorphous and unaccountable investors do not agree to a new loan mod because the MBS bundling protects them from these types of requests is illegal and a direct violation of the Homeowner 's Bill of Rights since I was informed at the time of my loan doc signing that there was no reason to ever be ineligible for an in-house loan mod. My loan is very unreasonable and predatory at 7 % above LIBOR. I was never informed on what a LIBOR rate was and I trustingly signed the loan docs without deeper investigation. My ARM has fluctuated by up to $ XXXX+ more/month. I am on XXXX and all I am asking for is an affordable loan mod in cooperation with Keep Your Home California ( HAARP ) program.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
After having several issues with this company paying the wrong insurance company for homeowners insurance, and then making errors on my escrow analysis and trying to overcharge, now they are telling me that I can not close the escrow account and pay my taxes and insurance myself because this loan is on a single family residence that I rent out and do not occupy in the state of California, although according to the criteria they state on paper for closing an escrow account I have fully met.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: United Recovery Solutions
State: NY

Complaint narrative:
Gentleman called I asked for a statement, what I received was my FIRST letter stating I/ my husband owe the debt. They had supposedly been sending letters but to the wrong address. I am not debating the fact that I owe something but I would like to see a statement and the original agreement. If they could not provide it I would go straight to the company to get the agreement and what is owed. The gentleman that called me this morning was extremely RUDE he called me a liar when I stated I never received a statement and proceeded to give me the dates I owed. Told me that the original company had attempted to contact us and send us letters. We never received anything from the music store until the debt collectors started. The same gentleman has stated that when my husband told him he was unable to pay right then as he was at work and had no way to pay, that he was turning him in at the end of the day and today told me he was reporting it on Monday more in a threatening way then really doing it. He would hardly let me get a word in edge wise when I was trying to tell him that the original company had never contacted us when there was a problem. This is when he proceeded to call me a liar. He has no idea what the circumstances are .... and for him to be so rude and nasty to myself and my husband is uncalled for. I want a statement showing the charges and I would like to see original agreement which would include the address my husband had put on it to make sure it was not his mistake on the address. I do not think that is to much to ask for. The messages say its from XXXX XXXX the letter we received dated XXXX XXXX is from united Recovery Solutions Credit and Collections Firm. I have never heard them state this name ... how do I know this is the same place? I thought when I asked for a statement i would receive a statement not a letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA
State: GA

Complaint narrative:
I am currently in good standing and paying my loans back at the rate of {$99.00} per month. The problem is that the Department of Education through FedLoan Servicing have disregarded 17 years of payments that I the Department of Education received. Let me explain ; my student loans defaulted about 20 years ago when the Department of Education defaulted me without notice and without serving me with a complaint. Their excuse was that they could locate me but that is inaccurate as each time that I moved, I filed a change of address with the United States Postal Service. Be that as it may, my loans defaulted and I entered into a payment arrangement with the XXXX XXXX XXXX, a collection agent for the Department of Education, and {$170.00} per month was taken out of XXXX XXXX XXXX XXXX and XXXX XXXX XXXX checking accounts for over 16 years. In addition, my federal and state income taxes were intercepted for 18 years as well. In spite of these monies having been taken from me for over 18 years, my student loan account has not been credited with the amount being applied to my student loan debt. This has forced me to have to be subjected to unreasonable interest rates on a higher loan amount, with loan payments due to escalate to {$1700.00} starting in XX/XX/2017 which will bankrupt my family all because the Department of Education made a decision to disregard my consumer and civil rights by arbitrarily disregarding my 18 years of student loan payments and refusing to rehabilitating my student loans and never deducting my student loan repayment for the program that I signed up for in the XXXX XXXX. In light of the department of education 's disregard of my civil rights, I request for these loans to be discharged. In addition, I would like to have my account credited for the tens of thousands of payments that have made to date. If necessary, I would like to request a hearing before a federal court of competent jurisdiction to address this grievous injustice if my grievance can not be resolved..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
Identity was stolen to purchase a home in Florida under my information. I found out after the fact with the bank and filed a police report. I have attempted various times to provided ocwen with the information they needed to stop harassing me about this debt. They claim the police report is not validate because it was not done within a year from the incident, again I was not aware of this home until years later. They are now contacting me at all hours of the day and constantly sending me statements and insurance information for a home that has been foreclosed. Please make them stop this harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Our clients submitted a loan modification to Ocwen and were given a single point of contact XXXX XXXX. During the process of loan modification, they were concerned about the pending foreclosure action that was ongoing and were fraudulently advised several times " not to worry about the foreclosure action of default because they were being reviewed for a loan moidification ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Ocwen Loan Servicing has been charging me for Insurance of my home when I am paying the home insurance outside of my loan. 2nd ; Ocwen Loan Servicing charged me more than I owe on my Bankruptcy Chapter XXXX case. Also charged me over {$3000.00} for Asset Preservation during my bankruptcy. 3rd. Ocwen Loan Servicing took a copy of my signature to produce a Legal documentation ( Modification of my loan ) filed in the Deed Records ; supposedly in front of a notary which is false. 4th. Ocwen Loan Servicing did not give me credit for money orders paid by me which I can show that they were cashed by them. They have tried to foreclosure on my home several time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
I was making monthly payments on my mortgage to Ocwen. I do not believe the payments are applied correctly to my mortgage account. I do have cashier check receipts issued by XXXX to prove my payments were made. Home Retention dept shows a portion of my payments were applied to a suspense account. However, my mortgage statement does not show evidence of this. 
Meanwhile, I had a health issue which caused medical expenses. I had a XXXX. This caused me to get behind on XXXX payments. I experienced problems getting Ocwen representative and XXXX on the phone to discuss my situation. On XX/XX/2016, I went to XXXX and faxed a letter to XXXX Fax number XXXX per XXXX ( letting them know my payments had not been applied correctly. And asking for assistance to correct my account and save my home. I received a fax confirmation that the fax went through ok. To date, the XXXX has not replied.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Tri-State Adjustments, Inc.
State: VA

Complaint narrative:
On XXXX I ordered XXXX Supplies from XXXX XXXX for my mother and myself on XXXX separate orders ; with XXXX separate insurances. XXXX XXXX billed both orders under my account ; I called multiple times and gave them my mother 's Medicare and Tri-Care for Life Insurance information ; and each time they advised the account had been updated out of my name. 

Several months would follow and I would receive a bill indicating the {$370.00} was due ; I 'd call them up and go through the same process. Each time, they 'd assured me the billing issue was fixed. I believe I may have received a call back in XXXX in regards to the bill, which I thought was XXXX XXXX and explained again that they should have billed my mother 's insurances. Did n't hear anything from them since. I have not received anything from anyone either in regards to the debt still being taken out of my name. 

Last week XX/XX/XXXX, I applied for an unsecured loan and was told that I had an account in collections. After researching it on XXXX, I discovered XXXX XXXX had assigned it to a collection agency - Tri-State Adjustments , Inc . This was a surprise, I filed a dispute with XXXX in regards to the collection account. I have not received anything from Tri-State or XXXX XXXX on this issue. 

The medical supplies sent to me does not even fit ; my machine, the filters, prescribed mask, etc. fits my mother 's profile. Her name is XXXX XXXX. It has been three years and I 'm not sure they can bill Medicare now. XXXX XXXX call records will indicate my persistent attempt to get them to get this off my account and into my mother 's to bill her insurance. 

This has negatively affected my credit score and hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: MO

Complaint narrative:
I filed bankruptcy in 2010, I moved put of the a home that had major sewer issues. I filed that home on my bankruptcy and the mortgage company OCWEN never forclosed on the property.They have my name still attached to the title of the home and are aware that I have filed bankruptcy. I asked them when are they going to file for forclosure the said they do n't know. I asked can my name be removed off they title since its on my bankruptcy they said no. They asked for proof that I surrendered the property I asked what number I should fax it to they gave me a number. I called back again to verify the number and they gave me a different number. They never had one set protocol to handle the situation. They then told me to sell the house its the only way to get my name off the title. I explained I do n't own the home. I have no finanical responsibilty to it. They said yes I do. They told me although I have no fianancial reaponsibilty it is still my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-23 00:00:00
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I was a co-borrower in a housing loan with my former wife. When I divorced my wife, the loan with OCWEN was modified but the modified loan still shows that I am a co-borrower. I did not give my consent, verbally or in writing or thru an Special Power of Attorney, that I would still be a party to the loan modification. My credit report shows that I have an outstanding home loan with OCWEN/LITTON. I did NOT sign any loan modification documents at all. I have asked copies of the loan documentation from OCWEN/LITTON but they have refused my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
I have never had a late payment in XXXX years. When my loan got transfered to ocwen they have reported me as late every month since. 
I have sent ocwen transcripts from XXXX bank on at least XXXX occasions. XXXX sends the payments on time every month. 
ocwen just sent me a foreclosure notice based on late payments. 
THERE HAVE NEVER BEEN LATE PAYMENTS!! 
My home is being STOLEN from me by fraud. 
I sent a copy of XXXX 's payment info to CFPB and they sent me a list of things to send to them XXXX of which was the list I had already sent them!! 
Since XXXX wires the payments most of the things on that list never existed! 
I have asked ocwen XXXX of times to tell me which payments were late. 
ocwen totally refuses to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
I am a co-owner of XXXX XXXX XXXX XXXX, XXXX, New Jersey. The mortgage which I believe is an FHA mortgage is serviced by Ocwen. I was behind several payments to Ocwen loan servicing in XX/XX/XXXX. Ocwen refused to accept any payments from me an indicated that they intended to commence a foreclosure action against me. I retained an attorney to help me negotiate a loan modification. I also continued to save the payments that I was not making in a bank account so that if Ocwen required a lump sum payment I could tender the payments to them. In XX/XX/XXXX the attorney negotiated a loan modification trial payment of approximately {$3000.00} per month. I made every single trial payment and continued to make payments to Ocwen. At XXXX point they denied that I made the trial payments, then they acknowledged that the payments were made and indicated there was a problem with there system and they were migrating to a new system. By XX/XX/XXXX they could not give me a concete amount as to what my trial payment was or my permanently modified payment. One month I paid XXXX and then the next month I was told to pay XXXX There was no rhyme reason to the whole process. I have still tendering payments to Ocwen every month. 
Recently Ocwen wrote me to tell me the only reason I am not receiving a Home Affordable Modification Application was because I did not sign the documents. I did sign all documents that were sent to me and returned them to Ocwen. If I did not want the modification I would not have continued to tender the modified payment amount all of these months. My experience with Ocwen has been a maze of confusion that my counsel has not even been able to navigate. Mainly because once a loan modification was negotiated Ocwen dropped the ball for months and months and now maintains that I did not agree to a loan modification when all my action show otherwise. I should not be held accountable for their administrative incompetence. My attorney suggested I file this complaint and if it does not spur the resolution he will initiate litigation. 

My name is XXXX XXXX XXXX XXXX XXXX. 
My loan number with Ocwen is XXXX

Company response to consumer: Closed
Consumer complaint received 2015-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: United Recovery Solutions
State: VA

Complaint narrative:
I have an issue with United Recovery Solutions , Inc XXXX XXXX XXXX, XXXX XXXX XXXX, KY XXXX. I was called & threanted, i was told i am ignorant for not paying my bills, i was told i 'm a boy and i 'm XXXX years old. I would like for this company to have no more contact with me. They threatned to call me and my wife 's jobs. I asked them not to call me and they are still leaving me VMs.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
I am in the middle of a chapter XXXX, have Owen as my mortgage holder owe XXXX my loan and my house is not worth XXXX, they told my attorney I qualified for a modification after 3 months of sending paperwork, sent it wasnt available to me, no reason was given, other then I didnt qualify. I have had nothing but TROUBLE with Ocwen, and my attorney has tried to resolve many issues, all letters have gone unanswered, by Ocwen. I just wan na safe in keep my home Ive been in for the lat 20, years Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I 'm at a high stress level from Ocwen mortgage loan. I can not reach them as they are in XXXX and are given a script. I have emailed them 30-50 times in the last year and the return emails are XXXX-XXXX and are signed with what I assume is an XXXX name. The accounting dept. is atrocious, making horrific errors and charging ME, reporting me as late, and NOW, threatening with foreclosure! The entire event is Absurd but I can not get them to correct their error! Please assist me ASAP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
Regarding case # XXXX, how much time does Ocwen need to make a copy of the filing they have been claiming 'for months ' that they filed with the county? 
The question regarding as far as to why has their 'collection department ' being the one handling this loan when the loan was never on collection should also be an easy answer they should readily provide Why does the investor on whose behalf Ocwen was servicing the loan, wants to keep the note. I think that in this case CFPB should intervene and question the issue.

Company response to consumer: Closed with explanation