vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
OCWEN Loan Servicing is so messed up that they sold our home, AFTER they contacted their attorney to stop the sale of our house!!!! OCWEN contacted their foreclosure attorney to stop the sale of our home on XXXX XXXX, 2016, but the foreclosure attorney failed to contact the Sheriff and our house sold. We had no idea that there was a sale on our home, as OCWEN placed the sale date on our home nine days before it sold. We are confused and VERY UPSET because OCWEN wanted to stop the sale, but either OCWEN or their attorney screwed up and we are paying the ultimate price. My husband and I even had an appointment with our OCWEN Case Manager on XXXX XXXX, 2016 to discuss what kind of workout option our loan would be reviewed for assistance options ; seven days after the sale! The right hand does n't know what the left hand is doing at OCWEN and it is costing us our lives. The foreclosure attorney is willing to revert the sale, but OCWEN just decided yesterday that they will not revert the sale!!! We will be homeless now and it is n't fair. OCWEN was fined {$2.00} XXXX a few years ago for what they did to AMERICAN homeowners, but they continue to take homes away from us, apparently without recourse. When my representative contacted OCWEN on the day of the sale, he spoke with an Escalation Manager with OCWEN named XXXX ( employee # XXXX ) who said that OCWEN sent the request to postpone to two separate emails at the foreclosure attorney 's law firm ( XXXXXXXXXXXX and XXXXXXXXXXXX ), but the attorney did not contact the sheriff in time. Clearly OCWEN and their attorney do not have the communication in place to ensure homes do not get sold! When asked when OCWEN decided to stop the sale, XXXX said the notes do not make sense and he can not tell when the sale was postponed internally. XXXX said that if the sale goes on and it goes back to OCWEN, it is possible for them to rescind the sale. After the sale occurred, we contacted OCWEN, but they only gave us two numbers to leave a message on and we were told that OCWEN would decide what happens and we had no say in the process. Well, they cold-heartedly decided that the sale is going to stand and that we have to be out of our home. When we asked if we could appeal the decision, they gave us 48 hours, but they mailed the appeal form and we will not receive it until after the deadline passes. PLEASE STOP OCWEN FROM ILLEGALLY STEALING OUR HOME!!!! They wanted it stopped and the property went back to them, so they can just give it back. HOW CAN THEY BE THE JUDGE, JURY AND EXECUTIONER and throw us into the streets?!?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Case # XXXX - XXXX Case # XXXX - XXXX I have not gotten any written words on the one issue : Legal Standing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Asset Recovery Solutions, LLC
State: MA

Complaint narrative:
Company is Asset Recovery Solutions , LLC. Contacted them about obtaining information about this loan as it appears to be in the hands of the XXXX or XXXX collection agency that has called about this loan. Another company has already seized my daughter 's tax return to repay this same loan. The staff was extremely rude, told me to just pay the loan, referred to me as a deadbeat. I had worked out a payment plan with XXXX previous company but they had slipped in terms that were not acceptable. This company is refusing to forward my papers so that I may review this loan. My daughter, whose loan this belongs to, contacted this company and they were rude to her, yelled at her and refused to forward any paperwork about this loan to her. Another company, XXXX XXXX has already started collections on this loan and has seized my daughter 's tax return.

Company response to consumer: Closed
Consumer complaint received 2015-04-16 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: OH

Complaint narrative:
I was recently informed that I owe a debt in the amount of {$5000.00} ) to XXXX XXXX which is a property manangement co. used by an apartment I used to rent from. I wasnt evicted nor did I violate my lease. I moved out at the end of my lease. The property has since been sold I do n't believe that debt is correct. I have contacted Hunter Warfield Collection Agency at XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX 2015 and asked to Please send me written verification of the debt. To date I havent received anything from them. This debt is preventing me from renting an apartment and I had to move in with my parents.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
Ocwen Mortgage has not communicated with me regarding my deed in lieu of foreclosure. I have not been informed ( in written form or verbally ) of an agreed upon vacancy date or relocation allowance. 
People are showing up at the home to change locks, as they have been told by Ocwen that the home is vacant. 
Ocwen has too many departments that do not communicate with one another regarding customer status.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Tried to get a loan modification with OCWEN. They assigned me to a " Relationship Manager '' outsourced to XXXX. Could n't speak/understand English. He ( apparently ) wrote that I denied the loan mod. Spoke to someone in USA, he gave me " Ombudsman '' number & that someone was always there. He said I was n't allowed to request one person handle my case and that they be in my country of origin, the USA, that " it 's their rules and they follow them. '' Called Ombudsman dept, got recording, left message. Called " Escalation office '', left 4 messages. I have until Friday XX/XX/2016 to decide if I accept their terms for loan mod ( which is more than double what I 'm paying monthly now ), without which would be triple what I 'm paying monthly now. I 'm XXXX on SSI and can barely afford what I 'm paying now. OCWEN is the company that took over my home equity line of credit from IndyMac when they went under, and they are calling it a XXXX mortgage, which it is not. They 've already threatened foreclosure, even though I 'm not behind on payments. I ca n't believe they outsource all their loan officers to XXXX, with poor telephone connections and no callbacks.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 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: FL

Complaint narrative:
Have not received correct information

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 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: Duncan Solutions, lnc.
State: MD

Complaint narrative:
Professional Accounting Management is reporting false information on my cr4edit report. I contacted the company ( XXXX ) XXXX to be told that they are unable to pull anything up under my name, thus being unable to address the issue

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I have a mortgage with Ocwen. My monthly payment is {$220.00}. On the XXXX of each month I pay {$310.00} which leaves XXXX towards principal. On the XXXX of each month, I pay and additional {$400.00} towards principal. All total I shoulld have a total of {$550.00} credited towards my Principal. Since XX/XX/2013, when Ocwen obtained the servicing, I have paid over 39 months an additional XXXX towards my principal. My principal balance should be {$14000.00}, and not the {$18000.00} Ocwen is showing. Ocwen has disallowed me to log in to my online account. I registered my mortgage with ocwen in XX/XX/2013 and was able to log on and view all payments and history and view my loan documents. Because I filed my complaint, Ocwen have denied my access to the account. I called several times and was told that there was nothing they could do, and that I need to request any documents I need to look at in writing. I was also told that I can request statements. Why am I being treated different than any other account holder? Why am I being denied to view my payment history. Why is Ocwen hiding my payment history? Why is my bank account showing that I have paid more money than Ocwen has credited to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
i received my mortgage statement today noting that my mortgage statement has been changed out of the blue from XXXX to XXXX effective XXXX XXXX. I am current waiting on my recast to reduce my mortgage. I do n't understand why is it so difficult to give me my recast, It is just unbelievable that I have been trying to get this simple reduction since XXXX XXXX. Please explain this monthly increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
Lost jobs unable to pay, gave us small payment plan

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Dual tracking STOLEN payments not applied by OCWEN LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IL

Complaint narrative:
Calls 6 times a day and very rude when i answer

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
Reported to credit agency that I was late with a payment when I actually tried to make a payment. 
In XXXX, I made my mortgage payment through their online service when it was due. After a few days, I noticed the payment had not cleared my bank. I called Ocwen several times to ask why it had not cleared. They stated that the payment was pending. XXXX weeks later, I received notice THROUGH THE POSTAL SYSTEM, not a phone call, that the payment was not made, I was XXXX days in arrears and it was reported to the credit bureau, which affected my credit score, as well as my husband 's. I have made numerous attempts to have Ocwen remove the late charge through phone calls and letters. To this date, my credit is still not where it was and it has caused me to have limited access to funds from other institutions. I can understand their stance on this if I have a record of being continuously late, which I do not. If you look at my credit history, you will notice that I am not late on paying ANY bills. I believe that Ocwen 's tactics are unethical. My loan was sold to Ocwen, so I had no say in who would be servicing my mortgage loan. However, I feel that me and my husband have been treated unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL

Complaint narrative:
I bought a money transfer on XX/XX/2016. I called the customer service on XXXX/XXXX/2016 and went to money gram agency located in XXXX XXXX XXXX, XXXX XXXX to request a cancellation and a refund. The lady responded that I have to call their XXXX after several transfer to different individuals I spoke to someone who requested that I sent an email with an explanation of the transaction to XXXX with my reference number XXXX. I did however I did not receive any response. I continue calling the same phone number without success. The agency keep transferring my phone call and I get disconnected every time. Please tell me what else I need to do to obtain a refund of {$150.00} that I paid. I was the sender XXXX XXXX, XXXX, MoneyGram transfer. The person who was to received payment XXXX XXXX XXXX never went to pick up at XXXX while she was there in vacation from XXXX. Since the receptor was not able to pick up I am requesting cancel transaction/refund

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-02 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: WA

Complaint narrative:
I attended XXXX XXXX from XX/XX/XXXX in the XXXX. They promised me competitive job wages, job placement and above all affordable loans. When i was about 6 months into the program i had acquired a decent job, and was unable to get anymore federal loans and decided i was just going to quit the program and cut my losses.. They informed me that if i dropped out i would be held responsible for the entire cost of the program without obtaining my XXXX degree, and not to worry because the loan payments were very affordable and kept urging me to apply. They were constantly pulling me out of class to discuss loan information. I didnt want to get kicked out liked they had threatened, so i continued to apply for these loans. They assured me they had other " affordable '' loan options thru a private company called XXXX, a.k.a., peaks loans. When i had to start paying back my loans, the payments were way too high to afford. The only options they gave me was 6 months deferment, and a graduated payment plan that only applied to XXXX out of the XXXX loans, and were still XXXX a month, with an increase every six months. I told them I couldnt afford that either, and they asked what i could afford. At the very most, XXXX a month was it, to which they replied id default on my loans. I asked what would happen if i just sent in payments, they told me it wasnt even enough to cover the interest and they would pursue collection action. They kept telling me the wages in this field were very competitive and that i would have no problem paying back my loans. Once i started getting phone calls from XXXX, they were rude and i felt like i was getting calls from a collection agency. When i tried to call the school and talked to the person that was in charge of my paperwork iwas always told they were unavailable and to leave a message. Of course, i never got a call back. I wanted to know why i had signed paperwork for loans that were supposed to be affordable but werent. The starting wages for this position were mostly at 10 dollars an hour, barely above minimum wage at the time! I have a family to provide for, I couldnt afford that let alone, make high payments with high interest rates. Ive read so many stories like mine and it makes me angry that they bullied me into something i could have and tried to avoid. Right now im trying to consolidate my federal loans because i cant even afford those either, If theyd been honest with me about dropping out i wouldnt be in this situation. Id also like to add that the schooling was mediocre at best. There were times in some classes when our teachers would tell us to just " XXXX '' something instead of actually teaching us. This school was a joke and has completely wasted my time and now ive thrown away XXXX dollars of my money im going to have to pay back.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 2016-12-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: AZ

Complaint narrative:
I paid my debt on XX/XX/XXXX yet hunter Warfield continues to call multiple times a day every day. I 've told the man on the phone multiple times to stop calling that the debt is paid and he will not.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
I took out a loan for my daughters education prior to XX/XX/XXXX. The Loan amount was {$7200.00} that I got approved through my local Credit Union. 
I have struggled with employment since then and had to file chapter XXXX bankruptcy twice with the last in XX/XX/XXXX. I listed the loan in each bankruptcy and was told the loan could not be forgiven. Over the period of the loan I have been granted forbearance at different times. 
My Loan was changed on XX/XX/XXXX to a lower interest paying off the original loan which I had paid {$2700.00} to that point. Since then I have paid {$6200.00} for a total paid over time of {$8900.00}. They say I still owe over {$4000.00}. I am XXXX years of age and on only Social Security. 
I will struggle at best to pay this loan and do not understand why I owe so munch.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Bureau Services, LLC
State: FL

Complaint narrative:
Services were not authorized. I do not live in the state of Missouri. Collection agency never contacted me in writing about these multiple fraudulent debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
I owed debts to allied collection service for XXXX hospital. I paid allied the money owed and they said I do not owe them any mony, my acct. is paid in full but XXXX still will not take XXXX of them off my record " they removed XXXX " but not both They say they will keep the one on until 2018 even though it is paid

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: M&T BANK CORPORATION
State: VA

Complaint narrative:
I applied for loss mitigation help with M & T Bank. They denied the request because I had a short term lease that became month to month. They said this was not stable income. 
I reapplied with a new year long lease and they say they will not look at the application and I am not able to reapply until XX/XX/2017 with no reason for this provided.

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 2017-01-03 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
Made several attempts to pay mortgage via phone payment using my checking and routing information. M & T representatives recorded and processed the information. I received no information about a payment not going through. I checked with by other bank to be sure the payment was withdrawn and it was not. I again made the same attempt with the same results. I was on hold with customer service to try and resolve the issue for approx 1 hr before terminating the call. I spoke with customer service later on and the only thing they were concerned with was if the residence was occupied or not. I have been victimized repeatedly by m & t in the past and charged over XXXX in fees because they do not post deposits and debits in a timely manner. In addition they want me to pay late fees and I assume will report to credit agencies for being delinquent on a mortgage that they would n't accept payment for. I spoke with my current bank and confirmed all the checking and routing information was correct for which it was. M & T is claiming I Gave them invalid account information. The emails I received from them contradict that claim.

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 2016-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: DataMax Corporation
State: SC

Complaint narrative:
I have asked Interstate Credit Collection to validate a collection they are reporting on my credit reports on XXXX/XXXX/16, XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
M @ T bank keeps reporting late payment I had in 2009 and the loan is pay off 4 year ago!

Company response to consumer: Closed with explanation