vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
On XXXX/XXXX/2014, my formerly adjustable rate mortgage was modified, at great expense to me and improperly, in my opinion, but that is water under the bridge. Since modification, Ocwen, the loan servicer, has failed to maintain my escrow account properly or provide me with monthly statements, force-placed insurance without reasonable basis, paid real estate taxes that were not due ( I am elderly and have a real estate abatement from my city ) and then jacked up my escrow account to recover the funds and just generally made my life miserable, resulting earlier this year in a foreclosure notice, notwithstanding my loan history of timely ( early, actually ) payments over 14 months following the modification. I had to file Chapter XXXX and they are continuing the same malevolent path, refusing to file a claim but objecting to confirmation of my plan using an outrageously false statement of arrears ( which ONLY have developed since they improperly began rejecting my payments in XXXX of this year ). I want you to make them analyze my escrow properly, give me credit where it is due ( we have sent them innumerable communications to which they just talk over and keep saying they 're right and I 'm wrong when I am not ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
My investment property was foreclosed on almost 6 years ago - XXXX XXXX, 2010 - and the foreclosure deed with land court has yet to be filed. This foreclosure was a direct result of the whole mortgage debacle and land court has rejected the deed I 've been told. This is continuing to adversely affect my credit since it takes 7 years from the filing of the foreclosure deed for someone 's credit to clear - and after almost 6 years nothing has been done due to the lenders incompetence.

Company response to consumer: Closed
Consumer complaint received 2016-07-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
I did a mortgage modification in 2010, and subsequently filed a Chapter XXXX Bankruptcy, and was released from the mortgage. I moved out of the home over a year ago, and instead of just staying in home for free, I put it on the market to sell as short sale. Ocwen has obstructed the sale of the home for a year. We are in the process of losing our XXXX buyer in a year. This last time we were ready to close, but they wo n't write a letter stating that the XXXX lien the have is discharged. They wrote a letter stating that they consider the balance of the loan to be XXXX, because of course it was discharged in bankruptcy, but they wo n't use the word discharge, so the buyer can get title insurance. In the meantime the house is falling apart, and all the neighbors are complaining home is not being maintained. I am in XXXX & the home is in XXXX. My Realtor has literally hundreds of hours working on this. They just will not cooperate. They tell us we have to speak to The Research Department, which only has a fax number. I am trying to do proper responsible thing, and they will not do anything but give me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
This is a continuation of my OCWEN nightmare. The situation is self explanatory when you read the attachments and all the complaints I have submitted over the past year. 
See Attachments:1. OCWEN letter with application to re-apply for a mortgage modification. XXXX/XXXX/15. 
2. OCWEN PRE-FORECLOSURE NOTICE ( the day after - XXXX/XXXX/15 ). 
3. OCWEN decision letter of denial of modification because the mortgage investors DO NOT PARTICIPATE IN HAMP OR ANY OTHER GOVT. MODIFICATION PROGRAMS. 

I have submitted a modification application XXXX now with the same answer - they do n't particpate! Yesterday OCWEN asked me if I wanted to apply again ( a XXXX TIME ). This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Ocwen Loan Serving XXXX I first reinstated my loan with this company by paying a reinstatement payment, while filing bankruptcy, was making agreed payments each month, became XXXX, XXXX thing lead to another, but I paid the reinstatement before any finalization of the bankruptcy, in XX/XX/2016 I paid Ocwen in full and have the letter as proof XXXX, XXXX + but they refuse to report that I paid this house off to the credit bureau 's and the XXXX credit bureau 's are not helping me even after sending in the copies of all paperwork and receipts of paying this house off. I feel as if I am being mistreated unfairly and not given my correct credit scores and ratings because of this, I did the right thing by trying to correct my mistake of my financial mistake, but by doing so I am getting the bad end if they can not report the correct information and say they got there monies for this property I would like my monies back so I can go purchase a home for me and my child. or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
I sent in a principal payment of XXXX in online bill pay to be at Ocwen mortgage by XXXX/XXXX/16. I checked my bank balance and mortgage balance daily to see if it posted. By XXXX/XXXX/2016 I finally called the mortgage company and was told they had not received it, they recently had changed their mailing address according to the representative and thats probably why it was missing. They told me to put a stop payment on the check from my bank and gave me the new address to send it to. I put a stop payment on the check and changed the address in my bill pay to the new address. I had the bank resend {$27000.00} on XXXX/XXXX/2016 to be received by XXXX/XXXX/2016 to Ocwen Mortgage. In the meantime I received a letter from Ocwen Mortgage with my previous check attached to it stating they were returning it because if I was paying off my Mortgage loan they needed certified funds. I immediately called Ocwen Mortgage and explained to them that it was simply a principal payment and not a payoff payment. My payoff was {$29000.00} my check was for {$27000.00}. Fast forward my new online check was to be received by XXXX/XXXX/16 and I again checked my balances daily. Finally on XXXX/XXXX/16 and still no record of my payment I contacted Ocwen Mortgage they did say that they received my payment from my bank however payoff payments were to be made by cashiers check and I again explained that it was simply a principal payment. It was then explained to me that my bank who sent the money would have to call them and fax them verification that funds were there and they had subtracted from my account. This is online bill pay I explained and I have been using this for the last 7 years with no problems!! Why now? Finally I was given to an escalation manager and I reexplained my story and I was told that they would take care of it and would call me Tuesday XXXX to let me know status. I received a phone call on XXXX and they left a message stating nothing had been done and they would call me in a day or XXXX. I called them on XXXX XXXX 2016 and again spoke to an escalation manager who was really no help. I explained to her that I would be contacting cfpb if this was not resolved. In the meantime I have been paying interest on a mortgage balance of {$29000.00} instead of {$2500.00} since XXXX/XXXX/16. I simply am trying to have my payment applied to my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I was contacted by a NelNet collections agent requesting payment back in XXXX XXXX. I have not attended college at the XXXX XXXX University that they claimed that I did. When speaking to the agent in XX/XX/XXXX/XX/XX/XXXX we confirmed that the original address and email address was the fraudster 's information. We requested a fraud packet to be mailed to my address to complete. I filed the police report and sent all the verification documents to the company XX/XX/XXXX. I was advised that it would take a couple of months to process it, and I did n't receive another call until XXXX XXXX. When I received the call in XX/XX/XXXX, I was surprised to hear that not only have they not complete the Fraud claim, but my " account '' was further past due and if it goes any further then they will garnish my taxes and wages. This is insane. I have not attend a college since XX/XX/XXXX, and when I did I did not receive any loan to pay for the tuition. I just spoke to a XXXX on the phone from Nelnet today who stated that they would email me the documents today to complete again, but it will take a few months to clear up. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ

Complaint narrative:
Our office represented XXXX and XXXX in the short sale of their home located at XXXX, XXXX, NJ XXXX. An approval for a short sale was received from Rushmore accepting a certain amount to payoff the mortgage granted by Mr. and Mrs. XXXX against the premises. The closing of the short sale took place on XX/XX/XXXX and a wire for the agreed amount was sent to Rushmore the next day as the closing took longer than expected and buyer was not able to send out the wire on the XX/XX/XXXX ( with the approval of Rushmore 's negotiator ). Rushmore accepted the wire the next day and their file was closed. Although our office and the title company has requested a copy of the Satisfaction of Mortgage/Release of Mortgage, Rushmore has not submitted one for recording in the County Clerk 's office and have refused to provide information on the release claiming that it needs to be requested in writing signed by the homeowner as our office is no longer authorized to speak on behalf of the homeowner. Rushmore has had 8 months to file a satisfaction/release and Mr. and Mrs. XXXX have not been the owners of the property since then therefore they do not feel comfortable authorizing anyone to obtain information on a mortgage that has been paid off as they were forced to give up their residence as they did not qualify for a modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
For over 6 months we were trying to get answers as to why so much money {$1500.00} was going into our escrow account. It exceeded our yearly payments by {$5800.00}. At XXXX point our escrow balance was over {$12000.00}, with XXXX continuing to be added each month, our yearly payments from escrow are {$13000.00}. We asked for an escrow analysis and never received XXXX, never received calls back and would never get any answers to any questions when we called etc.. We also believe we were over charged a number of times with PMI , it was taken out XXXX in XXXX of 2015 at {$240.00} each when PMI is supposed to be paid XXXX a month. We do n't have much paperwork because any time we requested it, it is not sent or is sent missing information. Our mortgage was raised to a large amount a month {$3100.00} and no one could explain why. We believe Ocwen Loan Servicing , LLC broke laws in regards to escrow and has stolen money from us by overcharging PMI and taking our money within the escrow account. Once we really started calling daily we were sold to a new company, XXXX. However when we received our escrow closing statement it only included two months in it, not all 12 months like it should have. On the closing statement it shows the PMI being taken out XXXX in XXXX month ( XXXX ), who knows how many other months this has occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Hello, my name is XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX, CA. phone number XXXX. Approximately one year ago was was laid off from my place of employment. I immediately notified my Mortgage company, Ocwen Loan Servicing. LLC. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Fl XXXX, phone #. XXXX, Loan # XXXX. They told me I was eligible for a loan modification. They said they would help me by sending me the necessary documents. They did and I filled them out. I also asked for help with XXXX, ( XXXX ) at XXXX XXXX XXXX XXXX, XXXX. XXXX, XXXX. Ca. XXXX A very nice woman named XXXX XXXX was assigned to my case. Her phone number is XXXX ext. XXXX. She worked directly with Ocwen, they worked together to get the Loan Modification. They told her I would definitely get the Loan Modification. But unexpectedly, I was turned down. They said because I was on Social Security and did n't make enough money to be approved for the Loan Mod. My SS is $ XXXX/month and I also get $ XXXX/mo from another home I own that I rent out. Altogether I make a total of {$3100.00} per month. We told Ocwen this and they even said that was enough to get the Loan Modification. XXXX told Ocwen that they notified her that the money I made each month would be enough to get the Loan Mod. Also XXXX XXXX applied for XXXX, XXXX, for me. I was approved by XXXX for approx. {$25000.00} which would have more then paid what I owed Ocwen. But Since Ocwen did not approve me for the Loan Mod, I could not get the {$25000.00} from XXXX. Ocwen admitted to XXXX XXXX, that I should have gotten the Loan Mod and that it was THEIR ( Ocwen 's Error ) that prevented my getting the Loan Mod. Ocwen told XXXX XXXX they would apply again for me to get the Loan Mod. Therefore, XXXX XXXX also had to apply again to XXXX for the monies to pay off my loan. Both XXXX XXXX and I have been working with Ocwen for the past year. Ocwen told us that they definitely would not foreclose on me because of their error. But today XXXX XXXX, 2015, I got notice that Ocwen was starting Foreclosure proceedings against me. Ocwen has constantly lied to both XXXX XXXX and myself during the past year, making it very difficult for me to get the Loan Modification. I definitely need your help very much to right this wrong and to save my home from Foreclosure ...

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Ideal Collection Services, Inc.
State: FL

Complaint narrative:
ideal collection stepped in trying to collect a debt in an inproper matter and not and threatened to take legal action as if it were a suit. when im in a suit with XXXX as the defendant and em as a plaintiff for funds thats owed to me and slander on a contract leased and not delivering agreement back like should.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: HW Holding, Inc
State: AL

Complaint narrative:
Hunter Warfield has reinserted a collection to my XXXX credit report as of XXXX/XXXX/2017 in the amount of {$500.00} again as it has previously been disputed and removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Settlement and modification was negotiated between Plaintiff/Defendant on foreclosure in XXXX 2011. Recorded documents by Plaintiff reflect fraud in that HAMP Modification Header was fraudulently attached. This was not a HAMP - no application was completed by homeowners. Further undendorsed copy of note was attached to modification. ENDORSED NOTE was filed the day after summary judgment hearing in which summary judgment was granted. Endorsed note was not filed prior to hearing and not available for homeowner to inspect prior to summary judgment hearing. 
# XXXX ISSUEModification amounts were provided by OCWEN to Plaintiff. Homeowner made payments as promised until Ocwen refused to accept payments as escrow shortage existed. One payment is still in suspense. Repeated efforts by homeowner to Ocwen were met with misinformation. 
Homeowner was again forced to obtain counsel to solve issue. 
Ocwen has publicly stated repeatedly that they do no require confidentiality statements from homeowners, yet we signed one and are still barred so I can not attach copy even though they recorded. Ocwen did not show good faith in that they made representation to my counsel that modification/settlement would not be recorded - yet they recorded fraudulent documents. This situation remains unresolved, despite homeowners best efforts through counsel to resolve

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-25 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Cooper Hoffman Klein Associates
State: IA

Complaint narrative:
Cooper Hoffman Klein & Associates began calling relatives of mine in XXXX. They have not yet mailed or sent any verification of this " debt ''. A week later, i sent a certified letter, which was returned & left s voicemail that under the Fair Debt collection practices act, to cease communication with anyone in my family. They called my employer XXXX XXXX, which they still did n't verify and I repeated to cease communication. 
Have found since they 've contacted XXXX relatives without my prior knowledge.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Kelsting Group, Inc.
State: CA

Complaint narrative:
I did a credit check and I have paid every debt on my report etc, but I discovered XXXX derogatory comment. The deragory comment was for {$120.00} that was sent to collections by CBAASSOCIATES on behalf of XXXX XXXX XXXX XXXX. ( The derogatory report is attached ). 

I do not know what this debt is about my XXXX is in XXXX XXXX. 

I do n't know what this Judgment is and I am not aware of anything validating this debt. 

To resolve this without CFPB involvement II sent an e-mail to CBAASSOCIATES on XXXX XXXX, 2015 to determine what this was regarding. In the e-mail I stated I would file this report if I did not hear by Friday XXXX XXXX, 2015. 

The XXXX XXXX, 2015 e-mail is attached. 

Conclusion : I have XXXX negative mark on my otherwise spotless credit as a result of this alleged {$120.00} debt that I do not know anything about. 

If it is a legitimate debt I will pay the {$120.00}, but I do n't like that this Credit Collection Company can avoid due process and put this on my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: TFLC Trust
State: FL

Complaint narrative:
I am XXXX years oldBorrowed mortgage money XXXX on my homestead home to start a business in XXXX. 
Made interest only payment, timely of XXXX. 
I am going to pay off the mortgage and now the lender has added XXXX in fees. 
Accrued Interest Thru XXXX XXXX, XXXX XXXXMortgage Satisfaction XXXX. 
Deferred Loan Origination Fee XXXX. 
Deferred Processing Fee XXXXPrepayment Fee XXXX. 
Payoff/Profesional XXXX. 
Wire Fee XXXX. 
Loan Administration Fee XXXXEscrow Fee XXXXI thought I would have to pay up to XXXX in fees but these seam to be totally beyond fairI want an opinion whether these fees are legal

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-28 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC
State: IN

Complaint narrative:
Hospital was first denied payment from insurance without more information. Information was supplied to insurance company and insurance paid debt in full. Notice was sent to incorrect address for court fillings against me for this debt and I did not know about the attempt to collect the debt until the garnishment was given to me through work. I was able to stop the garnishment by showing proof the debt was paid by the insurance, but the company has not reported or removed to the credit bureaus this has been satisfied and no longer owed,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
I am about to pay off my mortgage and M & T bank sent me a payoff letter stating that I owe {$420.00} for late charges. The late charges were incurred on the previous mortgage holder, XXXX XXXX, as I was told by M & T Bank. I do not think that I owe the late charges and I asked them to show me documentation that I owed it but they said I have to prove that I do n't owe it. My loan # is XXXX M & T Bank.

Company response to consumer: Closed with explanation