vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-16 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
We were approved for a Home Affordable Loan Modification trial period plan by Ocwen on or around XXXX XXXX, XXXX. The details of the loan are as follows : * 3 monthly trial payments of {$3200.00} due on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX * Payment for Escrow, ( where permitted by law ), including real estate taxes, insurance premiums and other fees, if any, of {$1400.00}. 
* 2 % for life of the loan * Balloon payment due of {$380000.00} - XXXX * New Unpaid Principal balance is {$580000.00} We were told by our relationship manager, XXXX XXXX, who is part of Ocwen 's litigation department, that our loan would have to be escrowed as part of the HAMP Trial Payment Plan. Our original mortgage was not escrowed and we have remained current on our property taxes and home owner 's insurance since XXXX till current. According to the documents provided by Ocwen, part of the trial payment is to be for taxes and insurance. I received a mortgage account statement from Ocwen that states {$0.00} of the trial payment was applied to taxes and insurance. Per the mortgage account statement {$390.00} was applied to the Principal, {$2700.00} for Interest and {$24.00} applied to " Unapplied Funds ''. Our original mortgage payment to Ocwen was {$3100.00}. Seems our 1st trial payment was applied based on our original loan payment of {$3100.00} and not on the trial payment plan of {$3200.00}, in which {$1400.00} was to be applied for Escrow ( Tax & Insurance ). As you can see from the mortgage account statement, {$0.00} was applied to Escrow ( Taxes & Insurance ). 
Also, Ocwen received our first payment of {$3200.00} on XXXX XXXX, XXXX, but I received a mortgage account statement yesterday with a statement date of XXXX XXXX, XXXX in the mail that states payment is " due now ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: First Associates Loan Servicing LLC
State: IL

Complaint narrative:
I have chosen a XXXX XXXX XXXX school in the town of XXXX XXXX, at XXXX, for my XXXX, they promised me and gave me a wrong information dramatically, just, only Federal loans will cover your two years of XXXX, they came to me one fine morning, they have asked me to sign a form to raise more private student loan by way of raising loan only your entire two year student cost 's will be covered apart from the Federal student loan, i could not do anything at that, since i have already started my classes in the middle of the semester, i was trapped and forced to sign that private student loan application form which was given to me by XXXX XXXX finance office, by way of raising the private student loan from XXXX XXXX XXXX XXXX to cover my student costs. I was not able to find an appropriate employment in my filed, and i am single parent / single father and raising my XXXX year old child, and now i am Haunted and constantly harassed by the collection agency called XXXX /First Associates of Loan servicing and a collection agency for the ( XXXX XXXX XXXX ) XXXX from California constantly making the harassment to make the payments. which i am struggling and surviving by way of pay check to pay check to protect my child and my self. XXXX XXXX IS A MAJOR SCHOOL FOR PROFIT AND TOTALLY A FRAUD INSTITUTION AND THEIR CREDITS ARE NOT TRANSFERABLE ANYWHERE THAT CAUSED A SERIOUS PSYCHOLOGICAL AND EMOTIONAL PAIN IN MY MIND AND ALSO IN THE MINDS OF MANY STUDENTS TOO. TOTAL DECEPTIONS AND EXTREME HARDSHIP. 
XXXX XXXX, XXXX XXXX,

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 2016-02-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
Case # XXXX & XXXX, I received the attached email from ocwen ; the outcome did not resolved the matter. I have been going back and forth with Ocwen for the past seven month and it is unfair to me. I 've struggled and paid my mortgage on time for the past years & I deserved my fair recast.

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

Complaint narrative:
I was working with " relationship manager '' to see what options, besides forclosure, we qualify for. We Qualified for a Short Sale or Cash for keys. After My wife and I received promotions and pay raises, my " manager '' recommended we resubmit for Modification. He told me if we did not qualify for Modification, we would still get the same XXXX offers ( Short sale etc ). I have since been working with an Authorized 3rd Party and have been reassigned to a new " manager ''. My Authorized Party has a direct contact with Ocwen ... I Have been sending in ALL items they have requested, and was told by 3rd Party my case is under review ... meanwhile, they have set a sale date for XX/XX/XXXX ( XXXX Weeks ). In addition, now my " manager '' will not respond back to my Authorized 3rd Party. According to her, They have everything they need ... she and I are very frustrated ... She ( XXXX party ) said they are not following procedure by not contacting her back and/or including her in this process. She recommended i file a complaint ... i have also had other situations with them. I have sent in multiple items such as pay stubs for myself and my wife, along with P & L statements for my self employment ... I had written letters of clarification for each of those items, only to find out XXXX weeks later, when i have a scheduled follow up call, that they need clarification on the items ... I would resubmit clarification, only to find out XXXX weeks later, they still need clarification ... .I have felt like they are just trying to make me give up and lose my home ... If this happened to less tenacious people they would have given up ... They have wasted time multiple times, when I do n't have time ... now I only have XXXX weeks left and they are playing this " not contacting my 3rd party '' game that could cost me my family 's home ...

Company response to consumer: Closed
Consumer complaint received 2016-04-26 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Cohen McNeile & Pappas, PC
State: MO

Complaint narrative:
In XXXX XXXX we were served with court documents indicating that XXXX XXXX and their counsel XXXX, XXXX and XXXX filed suit against us in a debt that we allegedly owed XXXX XXXX. 

On XXXX XXXX, XXXX, we contacted XXXX XXXX under our XXXX XXXX service to ask for advice regarding this case. We can not afford legal counsel but through our XXXX XXXX membership an attorney was able to offer limited help. XXXX XXXX sent a letter to Cohen, McNeile and Pappas on our behalf asking for verification of the alleged debt. The letter stated that neither the XXXX XXXX Attorney nor XXXX XXXX would be entering an appearance on our behalf and that we have no money for representation in court proceedings thus all communication should be sent directly to us. 

On XXXX XXXX, Cohen, McNeile and Pappas, counsel for XXXX XXXX erroneously sent validation documents to XXXX XXXX. XXXX Judge forwarded the exact documents to us. Upon review of the documents it was discovered that counsel for XXXX XXXX provided XXXX XXXX Statements of debt owed by XXXX different individuals, neither of these consumers are related to myself or my husband. 

On XXXX XXXX, XXXX XXXX XXXX sent a letter to Cohen, McNeile and Pappas, counsel for XXXX XXXX, making counsel aware of the error Cohen, McNeile and Pappas made and their privacy breach. 
Counsel did not respond to this letter and when we appeared in court on XXXX XXXX, XXXX my husband and requested a dismissal of this lawsuit due to Cohen, McNeile and Pappas ' mishandling of this case ; in sending documents to the incorrect party, and the privacy breach in providing XXXX Statements ( validation ) for XXXX individuals that are not related to the case filed against us by XXXX XXXX. 

Counsel has responded with conflicting arguments that XXXX XXXX and our debt management company sent the wrong documents to us and that the breach was not their fault. It is impossible that our debt management company made the error due to the date we received the documents. Cohen, McNeile and Pappas represents XXXX in this case as well as many others, giving them access to XXXX 's Consumer information. XXXX XXXX does not represent XXXX XXXX in any way and has no relationship with either consumer who 's private information was divulged. It is also still unknown where the validation documentation of our debt was sent initially.

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 2016-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I arrived to USA two years ago following the American dream and the reunification with my mother and my fianc. 
Months after my arrival my fianc got pregnant and having no place to live together we decide to search for a place to so. The rents were so expensive that my salary and lack of credit history at that moment was not enough to cover all the expenses and we thought it could be better to invest in a property. 
With the help of my uncle we subscribed to all existing governmental institutions as XXXX but purchasing through this institution was not possible since every time we found something according to our necessities and resource the bid was not sufficient. After expending months trying to purchase this way and having no luck I decided to purchase through the XXXX a foreclosure property. 
My uncle requested a home line of credit over his already full paid house, {$150000.00}. Finally with that money I was able to make the purchase for a XXXX home on XXXX XXXX. The house was in pretty bad conditions and needed a lot of fixing which I did my self with help from my family and friends at a cost of around {$50000.00}. 
On XXXX this year I tried to pay my property taxes and to my surprise they were already paid so I contact the payee and requested an explanation. They never came back to me with an answer but instead a few months after I received a visit from an individual advising me that the house would be foreclosed in a few days. I never received a notice or citation. My address and information was register at the county since I obtained a title certificate signed by the court. 
To my surprise I purchased a second loan. If the house was on the market for sale for few years and no one purchased why the first lender did waited for the second mortgage to foreclose. I would agree if there was a lien on the property for other matters but for a mortgage? 
I look at it as a bank scam. I have lived on the premises for a year and a half and after that time and after my claims to the property taxes payee is when the other lender wants to claim. 
Now the bank wants me to pay {$200000.00}. The house is not even worth that amount and if you add the {$200000.00} I already invested the total would have bought me a brand new home. 
The new constructions in the county could be only afforded by reach people then what is it left for the medium class families? 
I would like you to understand that I 'm not an investor that I purchased because my family needed a place to live. I do n't want to lose the house. I own my uncle {$150000.00}, that there are not affordable rents or constructions. That all is left are pure foreclosures and now I should pay for it {$400000.00}. I 'm a young person working and studding at the same time so as my fianc and doing our best to raise our daughter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
My previous complaint ( # XXXX ) had been closed - without benefit from CFPB 's scrutiny of OCWEN 's response. I have attached OCWEN 's response here which sets a deadline to accept or reject the loan offer within 14 days ( ends in XXXX XXXX, 2017 ). 

Contrary to CFPB 's concluding statement, the dismissed lawsuit I filed against OCWEN ( with XXXX Bank, XXXX, et al. ) did not include complaints about the systemic misconduct on " robo-signing '', which the CFPB and the Courts of California found OCWEN to have wrongfully engaged in and for which reasons, they have been penalized for. 

I am writing to inform that OCWEN, continue to defy the law and CFPB compliance requirement - OCWEN had fabricated " robo-signed '' documents and used such forgeries to enforce their illegitimate claim on my property. 

Here they have tampered /blacked out the loan numbers, added documents purporting to assign valid transfers of the note and mortgage. 

CFPB should hold lawyers from XXXX liable for aiding and abetting the fraud. They are at the heart of many wrongful foreclosures in California. 

I can not accept these documents for what they represent. 

XXXX XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc.
State: NC

Complaint narrative:
I understand that the CFPB has increased their focus on student loans, so I am hoping that you will be able to help me with an issue that I was unable to resolve after months of trying with my student loan servicer. I would like to start off by saying that I am a supervisor at a mortgage servicing corporation, and I know that if we made the error that my student loan servicer did, we would not only be able to fix it, but would likely have some regulatory implications as well. 
My student loan payments increased XXXX % without notification, and when I called to find out why, I was told that my student loan servicer ( Nelnet ) miscalculated my payment last year when my repayment began. They calculated my payments based on a 30 year term, when I actually have a 20 year term. This caused my payments to be lower than they should have been, therefore my principal is much higher than it should be, and therefore I am paying more towards interest. I have requested that Nelnet reverse my payments back the 17 months that I have paid so far, and apply them at the amount that they should have from the beginning. Had the correct term been used, my payments would have been slightly higher. I have offered to send in money so my account will not be past due after the corrections. After several hours on the phone with Nelnet, they flat out refuse to do this ( one rep even said it was against their morals ), and blamed it on the Department of Education guidelines. I am not asking for them to give me a payout in any way, I just want my payments applied at the amount that they should have been from the beginning. At this rate, I will end up paying roughly {$2300.00} more in interest due to their miscalculation that they refuse to fix. I am sure that Nelnet has done this to their other borrowers, but they might not have caught the mistake. At this point, I do n't know what I can do to not be penalized for their error. I can make a lump sum principal payment right now to get my principal to where it should be, but that wo n't fix the erroneous interest that has accumulated since my loan originated. Is this something you can help me with? I have documented my most recent calls to them, and have had other issues with their loan servicing - this is just the only one that is costing me money. 
It is unreasonable for Nelnet to expect their borrowers to calculate their own loan payments to ensure that they got something as simple as a loan term correct. This is undue borrower impact, and has impacted me in a significant financial way. I did escalate to their consumer ombudsman, who took weeks to respond and did not follow up when he promised to follow up. At the end of the day, the request was denied and Nelnet said there was nothing they could do to correct their error. This is an unfair servicing practice that impacted me financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Southern Service Systems, Inc.
State: AR

Complaint narrative:
After disputing a debt to Southern Collection System that has remained on my credit report for almost 2 years after my bankrupcy was discharged, I received a letter from Southern Collection System stating that I had " failed to dispute the validity '' and had not made arrangements to pay. They demanded that full payment be made within 10 days. Although I do not have prior documentation, this is the 2nd time I have attempted to dispute this debt and have it removed from active collections in the past 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Stearns Ventures, LLC
State: MD

Complaint narrative:
My closing cost change many times, I had 3 estimate costing close and one closing disclosure cost, in my first estimate I had to pay XXXX, than less than a week send another estimate for XXXX, than for a XXXX, now in the closing disclosure is XXXX. Also the lender have change the day for closing several time, first was XXXX XXXX, than XXXX XXXX and a possible closing for XXXX XXXX, and now is on XXXX XXXX, they did n't notify me when they chance the one that was on XXXX XXXX, even right now I do n't know the hour of the closing for XXXX XXXX, I had contact the lender and let them know that I need the closing on XXXX or XXXX, becuase I have until XXXX XXXX at XXXX to turn in the apartment or I have to pay a full month. Also I had contact the lender about the closing cost, and they do n't give a clear numbers, they said that was a mistake that it will be correct on the closing day. Also need to close before XXXX XXXX because I do n't work in the weekend so I can move my belongs, Just need to rent a truck and a few movers. but if is on XXXX XXXX than I need to hire movers and the truck and have more cost to me. Also my kids will lose class day because I need the evidence that I buy the house to enroll them to the new school. 

In resume this situation have cost me more money, they change the closing cost and not even be responsible with the day of the closing and move it at they conveniens and not my as a client.

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 2015-03-19 00:00:00
Product: Bank account or service — Cashing a check without an account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I have a contract with a guy whom has an account at PNC Bank, I 've been cashing my check here for over a year with my drivers license and pre-paid bank card. They are no longer cashing my check that 's on their back unless I have a major credit card? Or they said I can use a work Id I work for myself do n't have one, or a passport, it cost {$100.00} 's of dollars I do n't have that kind of money and lastly they said a car registration I do n't have a car. this is oppression to the poor, If I can ; t qualify for a major credit card how can I pay my bills? This should not be allowed because not everyone can qualify, if my drivers license and debit card is ok to drive and use my debit card everywhere major credit cards are accepted I do n't see how this is not an acceptable form of ID for PNC

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A.
State: IN

Complaint narrative:
PNC Financial Institution does not follow customers banking preferences. They charge fees they do not disclose when opening an account through PNC. They will send transactions to debit from your account in a way that gains overdraft fees for their bank. PNC does not offer a valid email address to escalate complaints or to request reimbursement of charges made to the account. PNC claims to have rewards for using their debit card for various merchant debit transactions, but no points or rewards have been received by any PNC customers. PNC does not offer any type of resolutions to any discrepancies on checking accounts and customers can never speak to a manager unless you ask for a call back up to 3 days later. PNC will keep cash deposits pending for up to 5 days at a time. Payroll checks also remain in pending status for up to 5 days at a time. PNC has thousands of customers claiming to have money stolen from their account or money never showing up in their accounts. PNC will debit large checks from your account first and bounce several other small transactions or deny the small transactions if there is not sufficient money in the account. PNC will take this action against your preference to opt out of their overdraft protection. PNC has policies in place that allow them to do whatever they want and the government supports these actions to innocent banking consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-04 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: CO

Complaint narrative:
PNC Bank can not provide me my 2014 Tax Forms. " There is nobody in our call center that can help you. '' I have now talked with PNC Bank 3 times, where they state that they have submitted the request to change my address and send me my tax forms. As a result, my parents receive a " Password Change '' letter in the mail at their address, which has NOTHING to do with MY address or MY online information. When I talk with anybody from PNC Bank, they recite my OLD ADDRESS which I have changed 3 TIMES!!! Finally today I pushed to get on the phone with the manager 's manager, who put me in touch with the Retail Escalation team. This person was at least able to send me a form via email through a " loophole '' which shows my tax information, and has committed to calling me whenever she is able to get my address changed " in the system ''. Note that when I log into my account online, my address shows as updated, but somewhere in the tangled back-office systems of PNC Bank, my address will not update as expected. I have now also provided a hand-written note requesting my change of address, signed and dated as of today, for proof of my address change. What will be great is when my parents receive a change of address form sent to their home ... 
This is the most rediculous process I have ever been through, and I can not express how dissatisfied I am with PNC Bank. I will be doing everything in my power to get my auto-loan, Home Equity Line of Credit, and Checking Account CLOSED and moved to another bank as soon as possible.

Company response to consumer: Closed with explanation