vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
The Loan was acquired by Ocwen mortgage from GMAC. The original Mortgage agreement was 180 payments of {$920.00} after that a Balloon note was due in the amount of {$88000.00} on XXXX/XXXX/XXXX. Being that we were a Victim of Predatory Lending we asked that the balloon payment in the amount of {$88000.00} be put in a loan. Instead of doing that, OCWEN offered a Loan Modification ( HAMP ) in the amount of {$110000.00}. When asked to explain the difference they continually say the fees for none payment, escrow fees, etc. This was not an Escrow Loan but, one was opened. They told us they were n't accepting payments but, asked that 3 payment of {$720.00} be made for a modification to be approved, which were paid. They sent a letter stating the modification was approved and sent loan documents that they wanted us to sign. The loan documents were in the amount of {$110000.00} with a balloon payment attached in XXXX of course, we refused to sign because the numbers did n't match. Now they denied the modification based on the fact the paperwork was n't signed and returned but, they failed to return the {$2100.00} ( 3 payments of {$720.00} ) paid for the months of XXXX, XXXX & XXXX XXXX. A IRS form XXXX was received for the tax year of XXXX from OCWEN in the amount of {$15000.00} ( TOTALLY INACCURATE ) because NO PAYMENTS were made in XXXX other than the amount of XXXX that was requested for the modification which later they denied. 
On XXXX/XXXX/XXXX a check made payable to OCWEN LOAN SERVICING in the amount of {$16000.00} for Principal Payments and {$1800.00} for Interest payments was distributed by a bankruptcy trustee this amount is unaccounted for. We have money orders that were cashed and made payable to OCWEN Loan Servicing with are not reflected on the statement or on the print out provided ( {$8300.00} ). We 've requested several explanations of where the money was allocated over time they acquired the loan no response, requested that the Escrow be closed because in the original terms of the loan the Homeowner pays all Real Estate Taxes and Insurance no response, we have a Suspense and Forbearance Credit of {$5200.00} which we have requested an explanation of and/or return that amount no response. 
We have tried to refinance the balloon amount of {$88000.00} but, we can not get a true and corrected payoff, Ocwen has not reported to any of the XXXX Credit Bureaus and we can not show 24 months of consistent payments because none have been accepted. I have advised OCWEN on several occasions that this account will be reported to the authorities if this matter is n't corrected in timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
OCWEN took such a hostile, surprise attack on my home loan in good standing, bank owned it after accepting {$5000.00} XXXX incentive applied to principal for never being late on loan payments and {$760000.00} XXXX funds, such a hostile act that the public has trouble understanding it. People ask me if I 'm SURE I did n't miss a payment ... .they do n't want to believe a bank would do this. The shock caused me to be XXXX for several hours, which was horrifying because I am the XXXX for a very XXXX young man. I have attached the details about how LONG Ocwen is taking to make the repairs they promised to make. Rather than accept that the way they demolished my credit with XXXX was the reason it was difficult to restore, they simply blamed XXXX like they had previously blamed XXXX. It was OCWEN 'S fault it has to be repaired in a certain way ... due to the unusual way OCWEN removed the trade line from XXXX, within the context of a simple XXXX Dispute dated, XXXX XXXX, XXXX which simply asked if they could show I had always paid my home loan on time since XXXX XXXX, XXXX. Ocwen 's response was vicious and impossible for XXXX to make sense of because they had no way of knowing it was just part of a blitzkrieg of harsh actions Ocwen was raining down upon me and my XXXX son XXXX. XXXX it was presented only as a response to my request to have more of my perfect payment history showing. Ocwen 's attitude about correcting the damage they created has been to blame XXXX In the meantime my son is getting sicker while we wait to resolve these issues so I can get a loan XXXX. He may be XXXX by the time Ocwen resolves the damages they caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MS

Complaint narrative:
On XXXX/XXXX/XXXX at XXXX, I spoke with XXXX at Ocwen Servicing. We post dated a payment for XXXX/XXXX/XXXX in the amount of {$530.00} plus a {$19.00} fee. The confirmation # is XXXX. When I checked my bank balance this morning, XXXX/XXXX/XXXX ; both items have been subtracted from my checking account. At the cost of {$36.00} per item for overdraft fee, this is going to once again cost me several hundred dollars for the additional items I used my debit card over the weekend. The first time this happened in XXXX, XXXX, I swore I would not do it again. That is the reason my mortgage loan got in the shape it was in ( past due ). We set a repayment plan to help me get current. THIS IS MY HOME!! I want to keep it. Ocwen makes it hard for me to do that. I am going to the XXXX website at XXXX and request they somehow transfer my loan to another Servicing Company. I am tired of being afraid of losing my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
OCWEN Mortgage company is refusing to address an over-charge for wrongly calculated escrow of taxes and insurance. We have NEVER missed a payment but they are applying our payments to some sort of holding account and not giving us credit for prompt payment. Please help us obtain the address of their registered agent in New Jersey, so we can file a small-claims lawsuit and get this resolved. The problem has been festering for 6 long months. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: TX

Complaint narrative:
I had a judgment placed on me in XXXX of 2012 by XXXX apartment complex for an eviction in the amount of XXXX plus XXXX in court fees. I have been trying to pay this judgment to the apartment complex that placed it as I was advised to do the the judge 's office over this case. The apartment complex added XXXX in additional fees on my account after the judgment was set in place and then sent my account to collections with Hunter Warfield that now has a total of XXXX. I contacted the judges office that granted the judgement and they stated I am only required to pay the judgment amount of XXXX plus XXXX in court fees. And that the apartments do not have the right to add charges after the judgment was placed. All charges due should have been brought to court when we went. I am trying to pay this judgment and they have refused my payment because of the incorrect balance they are reporting on my account. My rights under the FDCPA have been violated. 
( 1 ) Contacting me at my place of employment despite receiving verbal notice from me that I am not allowed to accept such calls at work. After I stated this to the customer rep and provided her with my cell number she called me right back at my place of employment the same day ; FDCPA 15 U.S.C. 1692c states : Under the Fair Debt Collection Practices Act, a debt collector CAN NOT call the consumer 's place of employment if they have been advised that calls can not be accepted at work. 

( 2 ) Using rude and a hostile tone by the manager I was transferred to after requesting a copy of the itemized of the debt in question because the customer rep state she could not provide me with that information, the manager stated he submitted the information to be mailed to me and I still have not received a copy of the itemized statement for these charges on this account that was requested a month ago ; FDCPA 15 U.S.C. 1692d states Under the Fair Debt Collection Practices Act, a debt collector CAN NOT Use any profane language or any language that is harassing and abusive FDCPA 15 U.S.C. 1692d states Under the Fair Debt Collection Practices Act, a debt collector CAN NOT Engage in any conduct, the natural consequence of which is to harass abuse or oppress. 

( 3 ) Continuing to report to all XXXX credit bureaus an incorrect balance owed of {$4500.00} after I provided a copy of my court judgment for this account stating I actually owe {$1800.00}. 
FDCPA 15 U.S.C. 1692e states Under the Fair Debt Collection Practices Act, a debt collector CAN NOT Send false information to the credit bureaus

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: HW Holding, Inc
State: AL

Complaint narrative:
I mailed a cease and dispute letter to Hunter Warfield on XXXX XXXX. XXXX XXXX I received verification of debt letter dated XXXX XXXX from Hunter Warfield. The envelope states " Collection & Asset Investigation ''. Whenever Hunter Warfield sends letters it says this on the envelopes and they are not suppose to use envelopes that reveal information indicating that the sender is a debt-collection agency. And it was extremely embarrassing because our postal carrier had accidentally put it a neighbor 's mailbox. Also they did not mail the verification of debt letter in a timely fashion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-05-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Integrity Solution Services, Inc.
State: SC

Complaint narrative:
Creditor violated the fair dept collection practice act ; by not allowing me to dispute this account or validating this account because I never received any notice of this dept.

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 2017-02-03 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: IN

Complaint narrative:
I was experiencing financial hardship two years ago, due to being unable to secure employment, when I tried explaining this over the phone several times to the Agency ( PEAKS ), they kept threatening my credit and telling me I had to pay it in full, or they would send it to collections. Since I was n't employed at the time ( with no Government assistance, Unemployment, or assistance from family ), I could n't make the payments, and they sent my debt to collections. To this day, I 've been trying to work with them, but every time we set something up, they destroy my credit as if I have n't made any payments at all. On top of this, every time I have called, they keep requesting I pay it in full which is impossible, due to my current situation. I 've requested the recordings of the calls a few years ago, but they will not assist me any further aside from destroying my credit. Now I 'm currently unable to secure any sort of funding for anything. ( car, house, etc ) but yet have to pay {$14000.00}. I was unable to repay my loan, decrease my monthly payments at the time, or any sort of assistance from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: First Associates Loan Servicing LLC
State: NY

Complaint narrative:
I chose to go to XXXX XXXX XXXX. When I applied for my student loans, it happened so quickly that I was n't even sure of what I signed. I was also told that through an XXXX program XXXX credit- I would have some, if not all, of my tuition reimbursed if I kept a grade level above XXXX which I did. That program then magically disappeared once I got in the door. I was told that ny student loans would go to XXXX XXXX and then they would be split between federal loan institutions. That did n't happen. Some of my loan when to XXXX XXXX, and the other part went to XXXX XXXX - a collection agency and private lender. Since they are a private lender, my interest rate is above 10 % and they refuse to work with you on lowering payments. This was a HUGE issue when I graduated. I called and asked when my first payment was due, and was originally told XXXX. a month later I received a call that my loan was in default and I had n't made my first payment that was due in XXXX. I explained that I had called and was told my payments were due in XXXX. They refused to listen to me, or work with me. I ended up owing over {$500.00} for my first payment with them because they refused to work with me. I could n't eat for a month because I had no money. 
This was above and beyond predatory lending on XXXX 's part and on XXXX XXXX ' part.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Hi, I am writing because I am having trouble with Equifax credit reporting company. Several years ago my Social Security Card was lost in the mail. I put a credit freeze on my account with all XXXX credit reporting agencies. I have since been attempting to remove the freeze on my account. XXXX of the credit agencies have been great. Not so with Equifax. There are requiring me to provide a XXXX digit pin and mail in a letter. I have mailed in a letter XXXX times over the course of XXXX year. I have not received anything. I have dialed every number I can find on their website and can not get a person to assist me. I need to get my credit freeze lifted, but have not been able to accomplish this simple task. 

If you are able, please assist. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: MS

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX , XXXX, an alleged debt collector, submitted a notice to me that Ocwen Loan Servicing , LLC is a creditor, and they are alleging that I owe them {$120000.00}. We have disputed this fraudulent debt on XX/XX/XXXX because Ocwen Loan Servicing , LLC is committing fraud, submitting fraudulent claims and pretending to be a bank, mortgage lender plus Ocwen Loan Servicing , LLC but acting as a bank, mortgage and finance company. Furthermore, I also requested that XXXX XXXX XXXX, XXXX XXXX The Mississippi State Bar Codes for all their employees in Mississippi because they utilized these same illegal tactics to try to foreclose on my property on XX/XX/XXXX, although they were aware that Ocwen Loan Servicing , LLC or any other entity do not have ownership of my mortgage nor the note. The fraudulent mortgage note was eventually extinguished in my United States XXXX Federal Court Bankruptcy hearing on XX/XX/XXXX which Ocwen Loan Servicing , LLC failed to appear. Allegedly, XXXX XXXX XXXX, XXXX and Ocwen Servicing, LLC, and others are involved and implicating themselves in a housing ponzi scheme plus The RICO act needs to be implemented. This information is also on record at The United State Bankruptcy Court for the XXXX District of Mississippi ( XXXX Divisional Office ).

Company response to consumer: Closed
Consumer complaint received 2015-05-13 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
I am Looking to file a formal complaint against Ocwen bank. All documents requested by Ocwen were submitted several times with conformation of acceptance. They have been using several stalling tactics with both payments ( Public Adjuster Fees / Rebuild monies ). 
They continue to give different answers and lie with every phone call made. The final inspection has been preformed and completed successfully at this date. Now again, they are asking for further documents that had been sent several times in order to issue payment for both the Public Adjuster / Contractor and homeowner. We are now left with no where else to go besides making a formal complaint against Ocwen. The repairs have been completed for XXXX month without any disbursement. As a consumer I would stay far away from this company, considering my current situation and stories I have heard about how they treat their customers.

Company response to consumer: Closed
Consumer complaint received 2016-08-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: AL

Complaint narrative:
in 2014 the lenders of my morgage changed hands from GMAC to OCWEN loan service. at that time my payments were XXXX as of today they are XXXX in XXXX XXXX 2014 they informed that they have decativated my account while changing from GMAC to OCWEN XXXX i have a strong feeling that by talking to insurance agents form XXXX that they have put a XXXX insurance policy that i have never authorized. i have been trying for the past 3 years to get them to drop this insurance policy and lower my payments but have not had any sucess. i have contacted XXXX to get help filling out the paper work. since i am on a fixed income of less than XXXX a month this has put me in a finicial bind. i have called repeatly to get answers all they are telling me is that they require me to pay this extra insurance that only benifits OCWEN. i have homeowners insursance that i have had for 10 years. never had a claim never been a lasp this insurance is through escrow. this is the policy has been approved by company that is all i need to cover my home. i would i welcome any help you can give me or i will lose my home.

Company response to consumer: Closed
Consumer complaint received 2016-07-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: MS

Complaint narrative:
I spoke with this debt collector. I offered to make payments on this collection. He refused to let me set up a payment plan. He said I must make payment in FULL. I can not make payment in full. So I submit this complaint regarding his statement. I offered to make payments and he refused. He is refusing to let me make payments. That being said, I should not have to pay this debt since he refused to let me make payments.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
I am writing this on behalf of a very good friend that lost his Spouse 3 yrs ago. after she passed he could not afford the house payment that he has lived in for over 27 yrs. I helped in to work with the original lender but in the middle of the loan modification process they sold the loan to Ocwen Mortgage. We filed all teh loan modification documents with them and we had an offical Loan mod trial period as long as we made the payments for 6 months we woudl be clear for the loan mod. here we are 2 yrs later and the loan mod is still pending, Teh owner is still getting foreclosure letters but when i call and talk with the file manager they keep telling me to just keep paying the loan mode payment as they keep checking to find out why the loan modification isnt going thru. after a yr so far of doing this. ITS STILL UNRESOLVED XXXX/XXXX/2015. the stress it is creating for the owner an dmyslef for helping him stay in his home like I pormised him I will try to do a dn as far as we were told he was when I talked to Ocwen about the loan modification we are doing everythign they have asked us to do. but he is still getting certified mail saying that he needs to pay the rears or they will foreclose. All we want is it to be final at the payment they agreed to and move on with life.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
This is a follow-up to claim # XXXX which I have just disputed. However, in an effort to further clarify my previous message which stated the following : " The second proprietary lease has been forwarded to XXXX '' who confirmed receipt. Per your letter and XXXX you were to send me back one of the proprietary leases along with the stock certificate. 

I do not understand what game are you and XXXX playing with me. I have been dealing with this issue for almost two years now which seems like a bad dream I ca n't wait to wake up from.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: CT

Complaint narrative:
On XX/XX/XXXX I downloaded my credit report. On the report I noticed a collections account with the name American Adjustment Bureau dated XX/XX/XXXX in the amount of {$110.00}. On XX/XX/XXXX I called the company for explanation of what this amount was for. I was told they could contact the hospital and get back to me. On XX/XX/XXXX I called again and was told they did not hear from the hospital but that I owed the money. Again I requested a statement for the details. On XX/XX/XXXX I mailed a letter formally requesting the validation of the debt with the details as to the services provided. As of XX/XX/XXXX I have never heard a response to either my phone calls or letter. If the debt is real I want a statement so that I can follow up with the insurance company as to why the bill is unpaid or pay with my XXXX account.

Company response to consumer: Closed with explanation