vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-22 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
My last statement from Ocwen Bank is dated XXXX XXXX,2015. Today is XXXX XXXX, 2015. When I called them today I was told, because of 'technical problems ', statements were not sent out in XXXX or XXXX but payments are to be made anyway. If payments are delinquent or late there will be fees levied against the 'offenders ''. Since Ocwen is a debt collector I am concerned they will use this as an excuse to foreclose on some home owners. I personally know someone who has just received a loan modification, his acceptance of the new agreement is shown by his next payment. I am concerned they will use this as an excuse to negate their agreement. Not everyone would catch this behavior. 
If this really was a 'technical problem ' then there should be a grace period for those affected by it. 
This is the XXXX time in as many years that Ocwen has not sent me a statement. Please check up on Ocwen to see how many people this 'technical problem ' has harmed and how much money in fees this 'technical problem ' has netted Ocwen.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I had an XXXX card with Costco which I rarely used and had a XXXX balance. Costco then shared my confidential, private, credit and contact information without my consent and signed me up without my acceptance or agreement for a " Citi Anywhere Visa Card '' and then mailed me the card. I never activated the card and did not plan to accept the new account. I therefore did n't pay any attention to the mailings from Citi for several months as I did not activate the card nor did I use the card. After several months, I opened a mailing to find that it was a statement and that they had charged my Costco membership fee to the card as well as adding late fees and interest for not paying. We have contacted Costco and Citi several times to try to resolve this, including cancelling our Costco membership over the issue. The Costco membership fee has been refunded and the card closed. Citi has agreed multiple times over the last few months to remove the late fees and interest and XXXX out the balance. However, they have failed to do so and instead are still sending monthly statements, the latest being dated XX/XX/2016 with another {$37.00} late fee added and {$1.00} in interest for a new balance of {$100.00}, despite the original membership charge being refunded by Costco and Citi cards multiple assurances that they would remove the late fees and interest charges. I called again on Sunday, XX/XX/XXXX and the customer service specialist AGAIN agreed to remove the charges and XXXX out the balance. I just checked again today and the balance of {$100.00} remains on this account. I have very good credit and I now fear that I will be reported for late payment or unpaid balances to the credit bureau, negatively affecting my credit. For a card that I never agreed to get and charges that I never agreed to have charged to a credit card that I did not activate. Based on the fraudulent activity of Citi, Costco, violations of my privacy, and the ongoing lies of Citi employees, I have investigated online to find that I am one of many Costco customers dealing with this same issue. This leads me to believe that Citi has no intention of making this right without further action. Their behavior is despicable.

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 monetary relief
Consumer complaint received 2016-03-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sherloq Group, Inc
State: FL

Complaint narrative:
I am disputing this charge, invoice from XXXX XXXX in the amount of {$90.00}. 
Several months back I contacted XXXX XXXX to service XXXX my AC units. The service call amount was waived because a new unit was needed. I called XXXX XXXX several times for a quote on a new unit. After a few days I contacted another Vendor that did a service call the same day and sent a sales person that afternoon. After a few hours of negotiating we agreed on a priced and I had a new unit installed and working the following day. 
I contacted XXXX when I received a bill and informed them of my dispute. They refused to acknowledge that they had neglected to follow up with me but actually became aggressive.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
Hello, I had a mortgage with Ocwen from XXXX. I filed bankruptcy in XXXX but reaffirmed the mortgage. I was never more than a week or two late on my payments. Ocwen for some reason, by what seems to be mistake, wrote it off of their books as a Charge Back. I continued making payments on time and then sold my home in XXXX. Now I am trying to buy a new home and am having troubles as they are seeing the charge back which should have never took place. I believe I was unfairly treated so they could write it off on their books.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Ocwen held me up for XXXX year and never granted me a modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Ocwen Financial is in dishonor for not responding to qwr letters. they are sending us pre-foreclosure letters, they will be committing fraud upon the courts. 

I am seeking a Quiet Tittle Action. all foreclosure proceedings for lack of standing under numerous consumer violations

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
Ocwen is telling Homeowners the wrong fax number to submit the RMA, both verbally and on the packet. Loss Mit number found on HAMP site differs. 
Fax number given verbally and on documents ; XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: OR

Complaint narrative:
I started trying to get a modification on my house as my house after payin for 8 years and never being late is still not worth what I owe on it. I tried to use my good credit to refinance as they have raised my interest rate again this year and ca n't afford it but can not because my house still is not worth what I owe on it after I paid XXXX dollars for an appraisal. I have spent months seconding ocwen financial paperwork to get a modification. They say they are reviewing it and I ttakes 30 days and then after 30 days they say they need more paperwork. I have been doing this since XXXX with this company ther should be some law against this. Today I talked to them as my review was suppose to be done again XXXX XXXX th and the representative today said he is not sure I must need to send more information. I have done everything asked in order to get a modification and this company continues to put me off tell me everything fine it 's inder review and then says no now we need more paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
XXXX XXXX, 2015I previously completed a complaint against Ocwen Mortgage Company. Complaint # XXXX. However, since the complaint process was completed by your organization Litton continues to send me documents concerning Foreclosures. Ocwen is very deceptive they send you a certain report concerning the complaint ; and on the other hand they forward me different documents that they do not share with you. In fact Ocwen did forward me a document stating that the total outstanding amount of my mortgage is {$750000.00} After your agency initiated the process of investigation I received a statement from Ocwen stating that the total outstanding amount was {$390.00}, XXXX. In contrast the latest statement that I received from Ocwen states that my total outstanding mortgage amount is {$300.00}, XXXX. On Friday, XXXX XXXX, 2015, I received papers from XXXX concerning a foreclosure. All these documents that I receive from Ocwen only serve to confuse and upset me. Specially when you consider the fact that I never requested to do business with them. My mortgage loan was transferred to them from XXXX XXXX. I need some assistance and support in dealings with this very " fraudulent '' organization. I do not want them to foreclose my home. Ocwen needs to feel the full effect of the law and discontinue their deceptive practices. Ocwen was already taken to court by Florida 's Attorney General XXXX XXXX and found culpable and not adhering to lawful practices in the mortgage servicing. Kindly, assist me. I do not want to continue being emotionally harassed by Ocwen. As I said before, Ocwen continues to deceive customers, to use fraudulent mortgage practices and get away with it. 

I would very much appreciate your assistance. 

XXXX, Fl XXXXMobile Number : 305-762-XXXXOcwen Mortgage Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 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: Ideal Collection Services, Inc.
State: FL

Complaint narrative:
An apartment complex has submitted communication to a collection agency that i vacated the rental property without notice and they also are looking to collect damages. I vacated the property in XX/XX/XXXX with an inspection report and a " ok '' from management. XX/XX/XXXX it hits my inspection report and I realize the debt as I was trying to finance a car. Does 5 years break the statue of limitations even if the charges were legitimate?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First Associates Loan Servicing LLC
State: SC

Complaint narrative:
Received communication from XXXX XXXX XXXX ( XXXX ) stating I owed them for a defaulted private student loan through Peaks for attendance at XXXX XXXX, XXXX, SC. I requested debt validation because I never applied for a private student loan while attending XXXX. ERS provided me with a copy of an application/loan agreement that was e signed on XX/XX/XXXX. The enrollment period for the loan was XX/XX/XXXX to XX/XX/XXXX as listed on application. My last day at the school was XXXX/XXXX/2010. I provided an official letter from the school 's registrar that certified my dates of attendance from XX/XX/XXXX to XX/XX/XXXX. It is apparent that someone fraudulently applied for a loan for a periods of time when I was not enrolled at XXXX. These negative actions have ruined my credit as they are reporting as a defaulted loan in collections that continues to update monthly. I had no knowledge of this loan or its collections status until contacted by ERS. I faxed information to ERS to investigate and am awaiting a response to what the corrective action will be based on documents they provided. Peaks Fist Associates the original lender have no record of this loan and referred me to back to ERS.

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 2016-09-19 00:00:00
Product: Credit card — 
Issue: Application processing delay — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I APPLIED FOR A CREDIT CARD ONLINE ON OR AROUND XX/XX/2016. I WAS TOLD I WAS APPROVED FOR A CREDIT CARD AND WOULD MUCH LIKE TO DO BUSINESS WITH THIS COMPANY. I HAVE CONTACTED THE COMPANY DIRECTLY AND VERIFIED MY IDENTITY, DUE TO AN ALERT ON MY CREDIT. AS OF XX/XX/2016, I HAVE HAD THE ALERT REMOVED FROM MY CREDIT FILES, TO AVOID ANY HINDERING OF THE APPROVAL OF MY CREDIT CARD APPLICATIONS. I HAVE TRIED CONTACTING THE COMPANY AGAIN OVER THE PHONE, BUT TO NO AVAIL. MY CREDIT SCORE RANGES BETWEEN XXXX AND ABOVE. ONCE AGAIN I HAVE PROVIDED MY PERSONAL INFORMATION, INCLUDING NAME, SS #, DOB, AND ADDRESS, TO THE COMPANY VIA PHONE.

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 2016-12-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: OR

Complaint narrative:
After spending over a year in court defending my income property against a foreclosure, I lost to Wells Fargo Bank ( for XXXX ), but was offered a loan modification in lieu of an appeal, so I complied with the application process for a loan modification. I was shortly there-after denied a modification, with the reason stated being, " The owner of your loan does not allow modifications ''. I complained to the lender 's lawyer who offered the option of modification and received an email from the lawyer stating that the lender was working on a special modification for me. After months and months and mounds of paperwork, I was again denied the modification for the same reason, " the XXXX of your loan does not allow loan modifications ''. I contacted my state 's Attorney General to complain of these unfair and illegal lending practices, I was given the advise to contact the CFPB. I have all documentation of the email correspondence from their lawyer stating I was being given a special loan modification by the lender as well as both denial letters stating their reason for the denial, as mentioned above. Denial # XXXX was received around XX/XX/2016 with the final denial being received by me on the XX/XX/2016. Their final denial letter asks that I respond no later than the XX/XX/2016 with an answer of whether or not I would like to proceed with a short sale or a Deed in XXXX of XXXX. I intend to reject both offers, as I should be able to easily qualify for the XXXX loan. The XXXX loan option is what the lender 's loan servicer 's paperwork stated was the type of loan mod they were originally seeking for my property. I should easily qualify for this loan because my property is an income property. It generates {$800.00} monthly rents, plus I have an income of my own. My mortgage for this home is about {$950.00} per month. I believe the lender never intended on granting me anything other than a foreclosure and have just been wasting my time with paperwork and lies. These are unfair and illegal lending practices. The lender should be prosecuted for such business practices. However I have already exhausted my means for fighting in court as I have spent a year fighting the lender in XXXX court already.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: United Recovery Solutions
State: OH

Complaint narrative:
I received a call from XXXX, Consumer Financial Protection Bureau stating that was going to put on my Credit bureau report past due amount when I never signed on the contract. I also did not receive the mini miranda during the conversation until at the end of the conversation. XXXX was very rude, insulting and threating in tone and verbal conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
On or around XXXX/XXXX/14 Ocwen loan servicing LLC . sent me my last dispursement check from my Escrow Disbursement account, to finish my repairs on my house from Hurricane XXXX. I NEVER RECEIVED THE CHECK. I called Ocwen three times on or around XXXX/XXXX/14 - XXXX/XXXX/14. first time I asked when the check was coming, they said give it more time it is in transit. Second time I called them I told them I did not recieve my check and they should stop payment. Their response was " give it more time ''. Third time I called them, I told them I still have not received the check and for them to definitely stop payment. Their response was, the check has been cashed and that I needed to go to XXXX XXXX XXXX and request a fraudulent claim form. I told them that it was their job, being that the check was not from my account. ALL OF THIS IS ON THEIR PHONE RECORDINGS OF ALL OUR CONVERSATIONS. I asked that they send me a copy of the check, it took Ocwen approximately eight months plus numerous phone calls, to get me a copy of the cashed check. Their explanation of the delay was that they were transferring their insurance loss department to a new location in Texas and all paper work was in transit. Finally, I received a copy of the cashed check and as you can see my signature is not present and nor did I give any authorization to cash this check. I filled out the necessary paperwork to the best of my ability to get this matter resolved, which I will attach. All three banks refuse to take responsibility. 
I believe XXXX XXXX is at fault mostly for not following proper procedures and taking and opening an account with an improperly endorsed check. 
XXXX XXXX XXXX also did not follow proper banking procedures because they did not check the endorsements and released the funds anyway to XXXX XXXX. 
Ocwen is also at fault for not stopping payment when requested and simply not taking any responsibility or helping to resolve this situation in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
OCWEN mortgage company escrow, did n't pay home owners insurance, thus insurance was cancelled, i called the mortgage company several times, rep said check sent to wrong address for insurance and the check would be resubmitted, check has not been received, called OCWEN mortgage co, still receiving run around, i still with out home owners ins and ins company stated possible increase on policy, because of cancelation, this has been going on for about XXXX weeks and still no resolve, i live in a XXXX area, i a XXXX XXXX, i need help as i 've spend hrs on the phone, getting the run around from OCWEN, i think thier service reps or located in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
OCWEN gave me a loan modification for my property about 24 months ago but it was unaffordable. I paid it for about a year, but could not keep up with the payments because it was still a very high interest rate. I 've been trying to get another modification ever since to a 2 % rate similar to the government HAMP program.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
I recently obtained a new number as of XXXX XXXX, 2015. Since that time, I have repeatedly ( several times a day ) received calls from Ocwen Financial for a XXXX. I do not know this person and have relayed as much to the customer service rep. They apologize each time but nothing is done to resolve the fact that they now have the wrong number as they still continue to call.

Company response to consumer: Closed
Consumer complaint received 2016-10-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HW Holding, Inc
State: TX

Complaint narrative:
I have been dealing with this issue since XX/XX/XXXX. I applied to rent an apartment, and the agent to me I had to pay a larger deposit because of a collection account from, Hunter-Warfield, where I owe another apartment complex. I told her NO, I have never heard of that because I left my last apartment, XXXX XXXX in good standing with no balance owed. I have never heard of Hunter-Warfield, nor was I ever contact by them or received anything. So she says I should contact that apartment and inquire. I did exactly that, and I spoke with the Regional Manager the first time I called and he said to give him the apartment number and he could look it up by that way. He did so and said he could not find me in the system. He said to contact the previous property management, which is XXXX. I contacted XXXX by email and the reply was, " All records pertaining to XXXX XXXX were turned over upon sale of the property. You will need to speak with current management. '' Ok, so I contacted XXXX XXXX again, the new management is XXXX. I spoke to XXXX different leasing agents, told them what XXXX said, gave them the apartment numbers again, and they said I am not in system owing anything. I contacted XXXX again, and their reply was the same as before. XXXX, now its XXXX XXXX after all the back and forth with trying to clear account info up with apartment and still no resolution. I start disputing with Credit Bureaus. I asked them to contact the original creditor, XXXX XXXX, but they never do. I sent in documents where I mailed a certified letter to Hunter-Warfield. Still, no reply from Hunter-Warfield. I have the return receipt from the postal service, where the collection company signed for letter, but still no reply. I called Hunter-Warfield and the representative, yelled at me and hung up while I was talking to him. I am at the end of what to do to get the collection that I do not owe off my credit report. It makes no sense that I would not pay a balance owed, according to credit report of {$170.00}, when I was paying over {$800.00} a month rent. It almost a year and it is still not deleted from my report. I am requesting Hunter-Warfield be deleted from credit report due to the fact they failed to provide me with requested information, and conduct a thorough investigation with the original creditor. Hunter-Warfield failed to remove its collection from my report after I mailed the certified letter for them to stop reporting on my credit. Still, to this day, XX/XX/XXXX. I have received nothing from Hunter-Warfield, no cooperation from them. Please delete from my credit report. Thank you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief