vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Duncan Solutions, lnc.
State: VA

Complaint narrative:
Today I spoke with a representative from this company who called me out of my name, while then attempting to hang up on me before I asked to speak with her supervisor ; after which she transferred me to another department instead of her supervisor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
1 ) My mortgage loan was with GMAC but now Ocwen take over of the loan last year. Since they are taking over, I been charge XXXX times and XXXX on the escrow acct just for the taxes. I call them so many times to resolve that issue and they response is " we are going to do a review '' but nothing happen. My taxes is only {$1000.00} for the years and they are collecting each month {$230.00} that is a total of {$2800.00}. When I call them XX/XX/XXXX to address the issue they told me any extra money left for XX/XX/XXXX they will return it to me but until now I did not received nothing. They did it for XX/XX/XXXX and now they are doing the same thing for XX/XX/XXXX. I am asking them what they are doing with the rest of the money that sitting on the acct but they can not give me an answer. Right now for the month of XX/XX/XXXX, I am already reach the amount for my taxes to be pay. I like to know at the end of the year, what they will again doing with the rest of {$1800.00} left. I told them that I am struggling with my other bills when money sitting on a account which I do not have no control over. I am really living on a budget because I only survive on my SSI money and a part time Job. I told them in that case I will pay my taxes but no answer from them. 2 ) Also my principal is {$85000.00} and my rate is XXXX and my monthly mortgage is {$900.00} a month. with that rate, I feel like my payment is too high.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Ocwen Loan Servicing , LLC has violated RESPA 12 CFR 1024.17, Improper aggregate accounting in connection with the escrow account. On XXXX XXXX, 2017, Ocwen Loan Servicing , LLC, provided me with an " escrow '' analyzes statement. Page XXXX of XXXX reflects that Ocwen loan Servicing LLc collected {$480.00} towards the Flood insurance policy. The amount of {$480.00} is incorrect. Flood policy reflect the premium to be {$260.00}. Ocwen collected a higher amount seeking to pocket the difference. Thus, according to the insurance agent ( XXXX XXXX XXXX ), the flood policy was never paid by Ocwen Loan Servicing , LLC . This means that i was without flood insurance policy for an entire year while Ocwen Loan Servicing , LLc collected the amount from the escrow and failed to pay the insurance company. 

Page XXXX of XXXX, of the escrow analyzes reflect that Ocwen Loan Servicing , LLC collected the amount of {$3600.00} towards the Hazard insurance. Please see the attached Hazard Policy. The record reveals that the insurance policy premium to be {$2600.00} and not the mount described in the escrow analyzes. 

Ocwen Loan Servicing , LLC has committed fraud upon the escrow account

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
Ocwen is inaccurately reporting my escrow and payment information. I had a Chapter XXXX payment plan for mortgage arrears that was discharged XX/XX/XXXX. ( My loan was originally with American Home Mortgage and was transferred to Ocwen XX/XX/XXXX ). After making all on time payments to Ocwen during the payment plan, and making final cure payment to Ocwen, Ocwen still reflects the escrow shortage balance that should have been paid off XX/XX/XXXX. I contacted the trustee office which confirmed that all arrear payments had been made in full. Ocwen has not responded to my several requests for a detail accounting of my payment history since initially requesting this XX/XX/XXXX. The office of the Ombudsmen has sent me a letter each month telling me they are researching the matter, but has failed to do anything more. I just received a foreclosure prevention packet in the mail this week as well. Ocwen has since increased my mortgage payment by more than {$200.00} additional each month. I am unable to pay the bogus amounts that Ocwen is reflecting as they have added even more unexplained fees and charges to my account after the discharge with no explanation! I have sent a complaint to XXXX and the IL states attorney XXXX XXXX 's office, but have been unsuccessful thus far on getting anywhere with this case. I find it unreal that they were just sued for fraud and their unfair practices, and yet here they are again doing the very same thing. I would really appreciate your help in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-29 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Thank you again for helping me resolved my property issue that i do legally have the privilege to own but my bank Ocwen loan servicing LLC would continue to lie and cover up their illegal forclosure on my property that i purchased in XXXX i have faxed you my legal notarized documents of my payoff letter my reconveyance also the Attorney XXXX XXXX XXXX, also known as XXXX he has never worked with me on my issue with ocwen he poped out of nowhere after i diligently asked ocwen since XXXX to quiet my title by putting me back on my title they refuse to do so they continue to push me away with their lies and fraudulent behavior even attorney general XXXX XXXX sued ocwen who is homewardrresidential, and American home mortgage servicing all fall under ocwen, ocwen illegally forclosed on my home i was apart of the national ocwen settlement whose home was illegally foreclosed on by Ocwen in XXXX. XXXX ocwen attorney our liars the first attorney XXXX has left the company and now XXXX XXXX. XXXX has just left the company and Ocwen ombudsman dept. XXXX XXXX is telling ocwen staff not to talk with me please help me stop this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Green & Sons Agency, Inc.
State: ID

Complaint narrative:
Outsource reported debt on my son 's social security number when it was not his. His father has the same XXXX name and they reported his debt as my sons. Now they feel it is n't their problem to fix it. They made no effort to get the social security number before sending it to the reporting bureau.

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
Consumer complaint received 2016-08-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: MN

Complaint narrative:
I divorced my husband XXXX XXXX, XXXX. The divorce decree states that he must refinance the home we shared within sixty days. To date he has not, and I am told can not. On Monday XXXX XXXX, XXXX I applied for a personal loan for a vehicle and was told I am in foreclosure. I have missed XXXX payments on my mortgage so with further explaination I discovered it is my exhusbands house in foreclosure and I am still on the mortgage. When I divorced my husband the Mortgage holder was GMAC. Since this time he has a new mortgage company and has modified the loan and the lender named OCWEN is now the new mortgage company. I have received no communciation from this company, no notices of late payments, and now I find out XXXX XXXX, XXXX his home is going to Sheriff Sale. He owes XXXX and its valued at XXXX. How can this loan have been changed at all without my signature and approval? I called this company since they are listed now on my credit report and they will not speak to me, yet confirmed I am a liable party on the mortgage. This mortage company must have allowed him to make all of these changes without my signature. I am told you may be able to assist in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
I requested a payoff from Ocwen loan servicing. There are extra fees totaling almost {$7000.00} When I called to negotiate the fees and/or the removal of them I was denied and told that according to the terms of the loan and modification. The problem is that one is a deferred principal balance fee of {$5200.00}. That was from the modification 3 years ago. I was to have that amount removed each year for 3 years. But 3 years ago I received a XXXX for the entire amount of {$15000.00} which we had to claim as income on our tax returns. So therefore according to our records with the IRS we have already paid taxes on that income ( which also changed our tax bracket to a higher bracket ). 

When I called today I was told this will not be removed. 

I would like this formally investigated and reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HW Holding, Inc
State: FL

Complaint narrative:
Hunter Warfield calls almost daily in attempt to collect information from me on a relative. They have no right to try to use me as a source of information and such calls are simply harassment.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Ocwen does not explain nor is consistent with additional ; l fees on mortgage account. They have no valid explanation as to why they cant submit the proper XXXX according to agreement in the XXXX modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
I pay my mortgage on time every month via the website. Last month when I tried to make my XXXX payment it would not accept my payment stating my payment was past due again my payments are made on time every month. When I called Ocwen I spoke with XXXX Id # XXXX she keeping stating that my payment was past due which was incorrect I ask to speak with a manager or supervisor spoke with XXXX XXXX id # XXXX he researched this and stated that my payment was not applied to my account in XXXX and was trying to charge my a fee to make the XXXX payment again never late company error try to make me pay for the fee to accept my payment over the phone the website would not accept my payments via stating my payment was over due. After stating my case the gentleman stated the fee would be waived and that the site would be corrected today I am trying to make my payment again the website states my payment is past due. Please help with this situation I am so tired of companies doing to consumers thinking we are stupid and they can do whatever they want. Changes need to take place with these companies

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
I applied for an independent foreclosure review and the Indymac then transferred to XXXX XXXX XXXX now serviced by Ocwen sent correspondence that I was not in foreclosure and that the mistake was due to a misplaced payment yet I have fees on my account amounting to approx XXXX. I have sent letters in XXXX XXXX to all XXXX mortgage companies above and have not received a response. I also requested a copy of my original loan application, HUD -1 as well as copies of any and all assignments of my deed of trust filed in Maryland land records. I have only received a letter from Indymac stating that they have received my request but I have not received any documents or copies nor resolution to my foreclosure fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I have been trying to get a loan modification from OCWEN for almost two years. They have put me through the ringer. My account is a XXXX account. When I ask for a modification they just raise my monthly payments and extend the loan but never give me a modification. Many of my payments were not reported. I ask OCWEN to send me a copy of my original contract with my payment history but they just refuse. They ask me to send the same paper work over and over again. This seems to be a never ending story. THIS IS UNLAWFUL. PLEASE HELP ME. I bought this home in 2007 THAT IS MY XXXX DREAM. IT IS HORRIFIC TO THINK THAT I COULD LOSE IT DUE TO THE ILLEGAL ACTIONS OF OCWEN!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HW Holding, Inc
State: CA

Complaint narrative:
This debt has ALWAYS been in dispute- The dept was for the EXTRA cleaning do to daily use when my son 's apartment was exited. I made SEVERAL attempts to clear and or verify information with the apartment complex, XXXX XXXX XXXX, including filing a complaint XXXX XXXX, but XXXX never provided evidence of their billing. Their billing did not match the exit papers nor the condition of the apartment and to me was clearly fraudulent. I provided all information to Hunter Warfiled and they have removed my credit dispute from XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
Greetings, I am a resident of NC and a home owner that has had some hardship as having no employment to working XXXX jobs to keep my home. Ive submitted a loan modification to OCWEN a loan bank to please make adjustment accordingly to my income and adjust my interest rate to be affordable. However, they have denied and proceeded with attorney to for foreclosure / or short sale. I submitted paperwork and documents requested, paystubs employer statements over and over and they down play my income and deny any options. By the time you receive this i would hope that I am not put out. I would hope that they consider this is where i live. I want my home and I surely will pay. I only asked for a lower interest rate and an affordable payment. What affordable XXXX XXXX dollars with an interest rate of at least XXXX. 
They told me not to go to court that they would delay the foreclosure when in all I should have went and talked to the Judge. It seems they want me to lose the home giving such misleading advice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
This is a complaint from XXXX ( consumer ) against XXXX ( creditor ). XXXX Bank has unfairly and deceptively misrepresented its mailing address, making it difficult for consumers to contact it and resolve disputed debts. 

As of XX/XX/2017, XXXX is reporting an open collection account on Consumer 's XXXX credit report [ see exhibit A ]. Consumer does not recognize this debt, so on XX/XX/2017, consumer ( through legal counsel ) sent a written request for documentation to the contact address provided by XXXX in the credit report which requested documentation regarding the original debt [ see exhibit B ]. 
On XX/XX/2017, the letter was returned to sender and marked as " Not Deliverable as Addressed. '' [ See Exhibit C ] This letter was sent to the address listed as the creditor 's contact information on page 38 of consumer 's credit report. Despite a records and internet search no other mailing address, phone number, fax number or email address could be found. Without a valid mailing address, XXXX can not obtain information regarding the debt and therefore can not make an informed decision about it. 

XXXX is a sophisticated party in the consumer debt industry and is aware of the need to be available for consumer inquiries. Knowing this, XXXX has made it virtually impossible for a consumer to initiate communication with it. I can only surmise that XXXX 's isolation and obscurity is intentional and for the purpose of unfairly frustrating, deceiving and abusing consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I received a call from Someone named XXXX XXXX claiming to be a representative of the state, and that she needed to verify who I was so she could bring me a subpoena. She kept calling after I told her not to as well as calling a friend who I was in the XXXX with over 20 years ago, and other people from my past. I asked where her office was and she did not provide any information. I check my credit report on a weekly basis, so I know this was an unusual attempt to gain information from me. I called the XXXX number that they gave my friend and it was Midland Corporation. I looked them up to find that they have thousands of complaints against them. I have no dealings with this company, so I need them to stop trying to interrupt my life. I want them to cease and desist all attempts of communication, I do n't know them or owe them anything. here is the number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: FL

Complaint narrative:
Today XXXX/XXXX/16 at my place of employment I was contacted by Weltman, Weinberg, and Reis. This is the 2nd time they have contacted me at my place of employment even after I submitted a complaint to the consumer financial protection bureau on Friday XXXX/XXXX/16. Today was a different man attempting to contact me. His name was XXXX XXXX. Phone number XXXX ext XXXX. He would not state what debt the call was about. This is the second time this company has attempted to make inappropriate contact with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
XX/XX/2016, I made a payment of my Comenity XXXX credit card to pay off a balance. A payment was not due on the account ; however, I wanted to pay the card off. After a day had passed and the payment had not posted to my account, I contacted XXXX and discovered that the payment was to be deducted ffrom an account that is no longer active. I called and attempted to have the payment cancelled when I noticed the discrepancy to no avail. As there was no payment due on the account at the time and as I attempted to rectify the situation as soon as I was made aware, I requested that I not be assessed a fee. That account was removed frommy payment list. My XXXX account was at a " XXXX '' balance due to the erroneous payment so I was not able to put in a payment to correct the oversight. The account is always paid on time, has never had a returned payment and Comenity has the ability to waive the fee, but refuses. Even if I can not receive a credit, I think it important that this be recorded against them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-14 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I was fixing my credit report it had been 7 years since my problems started. when I started disputes with credit bureaus collection agencies started sending letters they had n't before then. I wrote letters to original creditors some no response. XXXX, XXXX, XXXX XXXX Banks and XXXX of XXXX XXXX XXXX banks ( I had XXXX of the XXXX that are reported others duplicate had XXXX XXXX XXXX card then another XXXX was sent with name changed to XXXX XXXX XXXX XXXX. ( they took no accounts off my report but changed info. to closed no missed payments All accounts were sold to other companies after wrote off. This is when collection agencies began letters to me and changed all the opening and closing dates. I do n't no where dates came from could be made up or dates they bought my contracts but I have bank statements proving there wrong but bureaus took there dates as true only way they could prove those dates would be to falsify there records. Their hurting me by keeping my credit bad an it stops me from getting medical help I need. I do n't have cash for all I need so I need credit

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: OpenRoad Lending
State: TX

Complaint narrative:
rec in the mail offer 6.29 apr, if approved, was approve but came back 11.5 apr their adv is misleading

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation