vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
Resulting from an ID theft in XX/XX/XXXX while in XXXX, we were compelled to file a Chapter XXXX Bankruptcy which was discharged in XX/XX/XXXX. The Bankruptcy Court defers to State jurisdiction on homestead exemptions. In XXXX that exemption is {$170000.00}. Ocwen refuses to acknowledge this provision in bankruptcy and will NOT report my payment history to the credit bureaus even though they have that obligation. As a result of this egregious conduct, out credit report would suggest we are homeless as there is nothing to show our payment history. We can not apply for a refinance based on the lack of credit reporting by Ocwen. I have documentation from the Ocwen Web Site that shows that I am current, but is recorded as having no payment history. Our loan originated through XXXX Mortgage and placed with XXXX Mortgage. The loan was then acquired by the XXXX XXXX XXXX and ultimately transferred to Ocwen. Ocwen 's refusal to report payments to the credit bureau has immeasurably compromise our ability to reestablish our credit worthiness and denies our ability to acquire a new loan on a replacement home as we are bound but the irresponsible conduct of Ocwen. We have never missed a payment nor assessed a penalty of any kind or description. Yet, we are being victimized for paying as agreed by a misinterpretation of the rules of Bankruptcy Court. I was told by Ocwen, that this is their policy nationwide. Stating that we did not reaffirm the mortgage and there for they can not and will not report our payment history to the credit bureaus or even verify payment history when asked by a lender. Please help as we have lost the right/ability to enjoy all of the entitlements of home ownership by the inappropriate conduct of Ocwen.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Healthcare Financial Services, LLC
State: MO

Complaint narrative:
When this happened I had medcaid, but the hospital billed me instead of the state..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
XXXX XXXX Filed False Paperwork into the county Records a crime PC115 causing a cloud on my title, Exhibit A XXXX XXXX Misrepresented themselves by substituting XXXX XXXX Exhibit ( A ) as Trustee then using TRUSTEE CORPS as a Trustee on other paperwork. 
XXXX XXXX took an action it was not legally entitled to take violating 1692 ( e ) ( v ) XXXX XXXX Failed to Disclose who the Foreclosing Party they allegedly Represented was ( Unjust Enrichment ) EXHIBIT ( B ) ( C ) XXXX XXXX used the courts and police & Sheriff Department to Forcefully Remove my from my Home by Filing False Court documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
COMPLETE LACK OF COMMUNICATION FROM MORTGAGE COMPANYI 've had a hardship over the past year and a half, and had my salary cut by over {$XXXX}. Our house was in foreclosure and the redemption period ended XXXX 2015. After submitting all documents requested for mortgage assistance with OCWEN and receiving a letter ( XXXX/XXXX/2015 ) listing all our options with OCWEN, we started the process immediately for a short sale. We had a young couple make an offer on the home in late XXXX early XXXX they were excited and had a significant down payment. Our realtor XXXX XXXX from XXXX XXXX XXXX had us fill out the OCWEN short sale paperwork and he submitted it to OCWEN per their request. He had spoken to OCWEN rep, XXXX XXXX XXXX. XXXX spoke to her in early XX/XX/XXXX-she stated that she would get back to him in 2-4 days. That was the last time XXXX heard from her. XXXX tried emailing her at least XXXX times and calling her and leaving her messages a XXXX times. I also called her XXXX in XXXX and left her long messages-pleading with her to give us an answer one way or the other and that I had children and a wife and needed to know if we could sell the house or stay or should look for a rental home. No response. It 's very frustrating and sad that she could not even call us to let us know anything. I 'm disgusted by the entire process. We 've shut off the gas, electricity and moved out by the redemption date. Still, no response and the house is sitting cold and dark. OCWEN had an opportunity to sell the home and did Nothing. I 've plead with the OCWEN rep, XXXX, to no avail. We were also frauded by a foreclosure company and lawyer in XXXX MI. The MI Attorney Generals Office is conducting a criminal investigation. The lead Investigator is XXXX XXXX XXXX-Supervisor with the Mich A. G. 's office. I am beyond frustrated. 
PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
I AM WRITING THIS COMPLAINT, AS OCWEN IS DENIED ME ON A HAFA SHORT SALE FOR REASON OF THEIR OWN, CAUSING US FINANCIAL HARDSHIP. WE WERE EXPECTING THE $ XXXX RELOCATION MONEY, THEY DENIED FOR REASONS NOT ON THE DOD FRANK FORM. ANY AGENT HAS REQUESTED THEIR DOCUMENTATION TO SUPPORT THE REASON FOR THE DENIAL. THEY HAVE NOT PROVIDED IT. THEY KEEP ASKING FOR DIFFERENT PAY OFF STATEMENTS FROM THE XXXX MTG OTHER THAN A NORMAL PAY OFF DEMAND.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Incorrect/missing disclosures or info — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I use paypal to make payments via my bank account. PayPal enrolled me in PayPal Credit, a credit line, without my authorization or without disclosures, to make a {$120.00} payment to XXXX on XXXX/XXXX/2015. I assumed my payment was debited against my bank account, but it was not, and was instead enrolled in PayPal Credit. There was no e-mail or notification that this was done, nor was my signature nor acknowledgment required, nor were there any disclosures provided. PayPal did not notify me that there was an outstanding balance either, so now there is {$35.00} in interest payments and late fees. My issue is that I did not authorize to have credit extended to me and I was never notified of any balance. In addition, when I reached out to PayPal on XXXX/XXXX/2015 after learning of having a credit account opened without my consent, customer service waived the late fee of {$25.00}, but there is still {$10.00} in interest payments for credit I did not authorize.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-17 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Cooper Hoffman Klein Associates
State: MD

Complaint narrative:
Thy stated that I wrote a bad check and that I was going to have fraud charges against me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: HW Holding, Inc
State: NC

Complaint narrative:
the origional debtor XXXX never sent me a security deposit back or a itimized list of charges or a bill or anything. After several calls and email attempts to find out where my deposit was or list of charges was I received no response. My deposit was 2 months rent XXXX dollars. A few month later I receive a collection bill from Hunter Warfield for like XXXX dollars. I called them and went asked them for a itimized list of what they were saying I owed the same I did for XXXX. They refused to send me anything. At this point Hunter Warfield was calling me 4 to 5 times per day. I finally had to change my number just so the calls would stop. So being an uniformed consumer and not really knowing anything to do or having the means to pay for help I had to accept the collection on my credit. As of recently I was trying to get approved for a loan and low and behold this collection account was an issue because of a dispute comment on the credit report. I talked with XXXX and they said the data provider, Hunter Warfield had to remove this comment. Nervous about this, I reluctantly called Hunter Warfield to get them to remove the comment. The person I spoke with laughed at me and the proceeded to ask me what I was trying to buy. I was very offended by this. He said that he would not remove the comment, he said even if I paid the collection off he would not remove the comment. Again my request for detailed explanation of the debt in writing was denied. So now I can not get the loan I needed because they would not remove a comment from my credit report that was not accurate and worse of all they started to harass me on my work number now. Which I never gave them permission to call or the number for. The guy I spoke with was completely trying to bully me to pay him money that I can not even get a validation for. I have already talked to several lawyers and I know I have a strong case. I just wanted to try to resolve this before litigation. I orgionally moved out of the rental over 2 years ago

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: DC

Complaint narrative:
Ocwen told me for months that they only needed my 2013 tax returns to complete the package for assistance. When I submitted them to Ocwen, they change the requirement to submit a new request. I have submitted a new request with all items needed yet I get emails saying nothing is submitted. Its taken XXXX years or more for Ocwen to provide assistance and they are indeed difficult to help struggling home owners.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: M&T BANK CORPORATION
State: DC

Complaint narrative:
I have a basic checking account with M & T bank, I went to XXXX to pick up some things using my M & T debit card. My balance was XXXX dollars short unbeknownst to me at the time. Nonetheless, in stead of declining my transaction as it should have, it went through despite me explicitly refusing the overdraft feature for my account. I was then assessed {$38.00} for the overdraft fee and an additional {$38.00} for the account being deficient for 5 days. I 've noticed M & T does n't post monies to my account when making deposits on Friday prior to XXXX or XXXX. The entire weekend my deposits within these time frames sit idle and when Monday comes around they post outstanding items first as opposed to deposits to charge fees on accounts with pending deposits that have yet to post with outstanding check or debit card purchases. This has happened to me twice now. I 'm amending case # XXXX and requesting that all monies taken in the name of fees {$80.00} in this instance be returned immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Kelsting Group, Inc.
State: CA

Complaint narrative:
I HAVE SENT CREDIT BUREAU ASSOCIATES 3 REGISTERED LETTERS IN REGARDS TO AN UNKNOWN ACCOUT ( XXXX ) THEY HAVE PLACED ON MY CREDIT. TO DATE IT HAS BEEN 7 MONTHS AND THEY HAVE NOT RESPONDED TO ME BUT THEY STILL REPORT THE DEBT. I HAVE A POLICE REPORT ON FILE WITH THE XXXX POLICE DEPARTMENT.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Direct Capital
State: AZ

Complaint narrative:
I am repeatedly getting calls from local number XXXX stating that severe allegations have been attached to my name and ss number and that I have XXXX hours to contact them at XXXX to provide a statement or they will file paperwork with the courts and I will lose all legal rights. They have also contacted my ex fiance. I have attempted to call back XXXX to both the local and toll free number. After several rings it states to leave a message then says that the mailbox is full. No identification of company. I do not owe anyone any money nor have I taken any loans out. I did some research since you are unable to actually speak directly to a person and discovered that this is a company named Direct Capital and they are harrassing numerous people.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I have been with M & T bank for a while and have had issues with my money being played withThe feds frauded meI have n't received my policies and I 'm just to the point idk know what to doMy debit card is offMy name is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kelsting Group, Inc.
State: CA

Complaint narrative:
The original debtor was XXXX XXXX XXXX XXXX. The bill was for cleaning costs and " damage '' to the appartment I rented, some of which I disputed with original debtor because some damage was caused by maintenance issues. These maintenance issues were pointed out during annual inspection, yet they were not addressed. They would not adjust my bill, so I refused to pay. They sent my bill to collections. There was no agreement with original debtor that I would have to pay interest or fees on move out costs, yet the collection agency has illegally added both, and is reporting such on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Receivables Management Partners, LLC
State: NJ

Complaint narrative:
I was notified by the credit bureau that XXXX XXXX XXXX XXXX has placed a " Derogatory Notice '' on my credit profile without prior notice. That affected my overall credit rating score. 

I have never been notified by XXXX XXXX XXXX XXXX XXXX about any outstanding debt. As soon as I have learned about it, I called the XXXX XXXX XXXX and I was told that I owe {$130.00} for a medical bill. 

I offered to pay the amount immediately, despite the fact that I have not received any notification or verification that I owe this amount. I asked for the " Derogatory Notice '' to be deleted from my profile. 
Company 's representative refused to do it and hang up the phone on me. 

I ended up speaking with XXXX other representatives who were not helpful as well. 

The amount of {$130.00} that I allegedly owe, I paid on-line the same day of the inquiry. 
I am requesting the " Derogatory Notice '' to be removed from my profile as I have never been notified of any outstanding debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Southern Star Automotive Inc.
State: GA

Complaint narrative:
I bought a car from a " buy here, pay here '' dealership. A month after the car was purchased, the car was repossessed as soon as the last bit of my down payment was made. From what I can remember, the car was purchased in XXXX of 2012 and it was repossessed in XXXX of 2012. The first payment had not been made. The " owner '' of the dealership, XXXX XXXX, made some serious and false accusations towards my person. XXXX Police Department was contacted to place a police report. Now, 3 years later, after trying to purchase a car, I discover that this was placed on my credit report as a repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Atlantic Credit & Finance, Inc.
State: TX

Complaint narrative:
I received a call from a place claiming to be ACS, I 'm currently up to date with my student loan payments so there is no reason for this harassment. They called from ( XXXX ) XXXX, they called yesterday twice. The woman on the phone fought me to introduce herself before finally saying XXXX from ACS. A company I have never heard of.

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 non-monetary relief
Consumer complaint received 2016-04-02 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Receivables Management Partners, LLC
State: IL

Complaint narrative:
On XXXX, XXXX, XXXX, XXXX collection agencies re-reported closed accounts to XXXX. XXXX reviewed these accounts and they were billed by a third collection agency. They could not provide proper identification and XXXX closed these accounts on XXXX XXXX, XXXX. In XXXX XXXX they reported them again. In the state of TEXAS the statue of limitations is 4 years. Since these were marked closed can I file in court? I am aware that I can collect XXXX per agency if they report inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: M&T BANK CORPORATION
State: VA

Complaint narrative:
In 2007, I applied for a reverse mortgage loan secured by my personal residence from XXXX XXXX Bank, who has since merged with M & T Bank. The purpose of the loan was to cover catastrophic healthcare medical costs for my daughter, who had a XXXX that make me incurred in medical expenses in excess of {$9000.00} a month. 
After being told that I was approved, I executed multiple loan documents that the Bank communicated were to document the reverse mortgage loan. In reality, the Bank has instead given me a commercial line of credit that was made to look similar to a reverse mortgage and that allowed them to draw on such line of credit and have agents of the Bank invest on the drawn funds. The funds so invested were wiped out and the loan fell into default. 
The original Loan amount was {>= $1,000,000} and the Initial draw 's monthly amount was {$10000.00}. From this amount {$6500.00} was used to pay first the interest on the mortgage, and I would receive the remaining {$3500.00} The Bank has now threatened to initiate foreclosure actions against me for defaulting on a loan that was doomed to fail from the very beginning. I relied on the Bank representations that they were going to invest the loan proceeds and that through their financial savvy I was going to have income for life. 
I did not have the capacity to understand the complex commercial transaction that the Bank induced me to sign. The commercial line of credit that they induced me to sign for allowed the Bank to invest all of the loan proceeds in the stock market ; and to my detriment, they lost more than {$400000.00}.

Company response to consumer: Closed
Consumer complaint received 2016-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Atlantic Credit & Finance, Inc.
State: TX

Complaint narrative:
I received a phone call at my place of employment on XXXX/XXXX/2016 at XXXX ( CST ) from XXXX Credit from phone number XXXX. The representative did not verify the identity of the person she wished to speak to nor did she provide the statement with regard to the attempt to collect a debt. She proceeded to tell me that I owed {$6000.00} and if they did not secure an arrangement it would be forwarded to an attorney. I informed her that I am absolutely not aware of the debt she is referring to and that if she though the debt is valid, they must provide a letter in writing to me advising me of the debt and that I have 30 days to dispute or confirm the validity of the debt. As the conversation proceeded, it turns out that she is looking for someone else that has the same first and last name as I do ; however, the middle name is different. Additionally, she provided the other person 's name, address and last XXXX digits of their SSN. Even after I told her that she has the wrong person, she asked to be transferred to my HR manager/department which I refused. This is unacceptable that that they would be contacting someone 's place of employment and also contacting the incorrect person and harrassing me at my job. This company also has several recent complaints at the following web link - XXXX

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 non-monetary relief
Consumer complaint received 2016-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Suburban Credit Corporation
State: MD

Complaint narrative:
someone opened this account fraudulently my identity was stolen and yet this account has been reported to the credit bureaus and people have tried to collect on it .... i have filed a police report and an identity theft affidavit from the ftc ... this needs to be removed from your records and deleted from all reporting agencies that you have reported it too.

Company response to consumer: Closed
Consumer complaint received 2016-06-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION
State: IN

Complaint narrative:
Account Number - XXXX To whom it may concern, This is a " qualified written request '' under Section 6 of the Real Estate Settlement Procedures Act ( RESPA ). 

I am writing you today as I disagree with the past due payments you are reporting on my credit reports. They do not line up with my records and I believe that my payments may have been misapplied. The particular lates referred to are : 120 days past due as of XXXX XXXX 90 days past due as of XXXX XXXX, XXXX XXXX 60 days past due as of XXXX XXXX to XXXX XXXX 30 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX to XXXX XXXX, XXXX XXXX, XXXX XXXX to XXXX XXXX

Company response to consumer: Closed with explanation