vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-07 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: IA

Complaint narrative:
I have been trying since XX/XX/XXXX to get this recitified [ Note : from XX/XX/XXXX-XX/XX/XXXX, i had several health issues that were present and known about by ex, courts, lawyers, XXXX etc. ] In divorce ( XX/XX/XXXX-XX/XX/XXXX ) I was given a home that never had been properly apprasied/or assessed in divorce and apparently years before-even though I tried to tell judge this in divorce, etc.As with many things in thsi divorce, much was not either not done properly ( i.e. actual and true docs/testimony of ex/his lawyer ) or not at all ( SS, bank, loan, statements submitted ). Anyway, when I learned that ex had refinanced ( found out after divorce when I contacted Ocwen ), and I was trying to get them to do so with me, ex was trying to not be found out and my lawyer failed to help me when I was having problems with them ( though she knew I was had health issues, etc. ) and basically I had been lweft with a huge mess as it turned out. I contacted right away XXXX ( Iowa XXXX ) in XXXX XXXX and in XX/XX/XXXX I got contacted that they had contqacted Ocwen, but I was n't on the paperwork=to amke this short from XX/XX/XXXX-XX/XX/XXXX i had o lawyer ( legal aid on several attempts as well as XXXX ) failed to help me or anything-it went to forecloseure, even though I showed Judge XXXX XXXX ( who had been judge on settlemt conferecnes in divorce anddivorce, etc. ) that the lawyers helping Ocwen ( XXXX XXXX ) had siad they knew Ocwen did n't want to acknowledge me since i was n't on paperwork ( they wanted to go around court-i was suspious and concerned since I did n't have legal counsel, so I hoped soemthing would get resolved ith XXXX, etc. ) I still live in home, partly cause things were n't done right, home was under what they were told by ex it was worth ( {$83000.00} and when i had help getting county assesssor to look at home XX/XX/XXXX, she said home not worth even XXXX {$2000.00}. ex had a {$50000.00} or more laon on it ) I almost died as well, when furnace was leaking CO2 and almost exploded XX/XX/XXXX-as stated before, judge knew there were issues with home durng divorce. I contacted Iowa Attorney 's Office as well in XX/XX/XXXX, and subsequent years=i have been trying to get people IAoffice and other sto help me get part of settements that have been happening last sevral years with no avail When I recently conatcted Ia.Attoney 's office in XX/XX/XXXX and XX/XX/XXXX i was told newer settlements have been happening and fraud concerning people having to get high insurance on homes that was either unresonable or not relevent. I believe I qualify on all these issues. I am on XXXX and my home is not greaty livable=I need someone to really help me, because others have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 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: CA

Complaint narrative:
They are falsely reporting negative credit information to the XXXX credit bureau ; I have done no business with this company, yet they continue using my social security for negative reporting. The debt is not mine, I never incurred this debt. I called the company listed as the debt collector, they immediately discounted what I stated and hung up the phone. I called back, the representative failed to listen to what I tried to explain about the debt not belonging to me. They asked me if I knew a certain individual name XXXX XXXX, I explain to them I did n't know who that person was. Representatives XXXX XXXX, and XXXX XXXX both accused me of being the person with the debt when in fact they could match my social security numbers with what they have on file and they will discover they have the wrong person. I also ask them to provide me with a document with my signature, however they refused. The company name is Hunter Warfield , Inc located at XXXX XXXX XXXX XXXX, XXXX XXXX Florida XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
I bank with M & T and I told them several times that if my checking account does not have enough funds in it to pay for items or services, not to pay the bill or allow bill collectors to debit my card. I want to opt out for the bank to cover fees not in my bank.I signed a form for this at-lease three years ago. 

On XXXX/XXXX/2016 XXXX EFax services ( XXXX ) XXXX debit my card before my trial period is up without my authorization for XXXX and on XXXX/XXXX/2016 XXXX XXXX XXXX did the same thing in the amount of {$28.00}. I owe the companies money, but they debit my bank card. I normally pay for my services and items on line. 
My complaint is I do not want M & T bank to pay for items or services when the fee is not available. I want to stop creditors from billing my card without my permission. I spoke to the bank on several occasions about this and even signed a form. I want card protection to authorize withdrawal upon my approval.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-03 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: Green & Sons Agency, Inc.
State: FL

Complaint narrative:
This account was closed by me in 2009 and XXXX charged me fees after closure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I was trying to see if thay can modif, my loan to make it a fixed rate with impounds. and thety sai they could not help. but they were always calling to see if I mailed my payment out and ask for my reciept numer and tracking number. and lost my home owners info. and called my threes time to get the info to them.

Company response to consumer: Closed
Consumer complaint received 2015-10-02 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
I purchased a home through online auction XXXX AND the seller, U.S. BANK NATIONAL ASSOCIATION, recommended their preferred partner for closing, XXXX/ XXXX with the incentive that I would save on fees. The entire deal was conducted by email and pdf documents.I wired the money and even had a lawyer representing me. I closed on XXXX XXXX, 2015. To date I have not received a deed or title, and I have contacted the city and county agencies, and this property has not been transferred in my name. The water dept has shut off the water to my house because there is a {$11000.00} bill owed by U.S. BANK NATIONAL ASSOCIATION. This and other items were covered in the closing document but they never funded the transactions with their local vendors. They swindled me in the amount of {$34000.00}. We wired this money to a XXXX account indicated in the instructions. All three of these entities are working in conjunction to fraudulently advertise, sale, and close properties they do not intend to release to purchasers like me. Even my lawyer has contacted the parties and no results have occurred in the last 15 days that we have complained that the water is off. I am living in a house with no water, no title, no deed. Nothing to indicate I purchased or own this house except emails between XXXX and XXXX XXXX, 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
Timely final payments on a loan serviced by Ocwen were made and put into " suspense '' which accrued penalties, interest and additional fees. The final payment was {$130.00}. The amounts continue to accrue without explanation which at one point even showed a credit balance on my account. Later I applied for a operating loan for my farm and was denied because of the Ocwen reporting my " bad credit ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Healthcare Financial Services, LLC
State: AL

Complaint narrative:
I contacted Health Care Financial Services in XXXX regarding an account that did not belong to me. I was told if I paid {$500.00} they would remove the account from my Equifax. I felt like i was being bullied by the agent so she could collect salary and the agency so could make money. The representative was very rude and aggressive. 
I have never received any services at the XXXX Medical Center in XXXX, Mississippi. The hospital has no record of any treatment under my name or social security number. I spoke with XXXX XXXX XXXX and she suggested that I filed a complaint against the agency and file a dispute. The alleged patient had a date of birth of 1966 and i was not even born in 1966. 
I feel that is unfair for these agents to wrongfully collect monies against innocent people who do not know their rights. 
The address was not my address either. 
After I did not pay this ladies salary when she gave me a deadline later they started reporting negative information that affected my credit score. My score dropped by XXXX points on XXXX occasions due to these bully 's. Later they added it to another reporting agency. 
As i started to fight them back I noticed that they started passing my information on to other collection agencies to report negative items as well. 
Consumers should not be bullied or spoken to in very aggressive and nasty ways by such agency representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: HI

Complaint narrative:
I do not owe a single dollar to the creditor it claims but received the letter to send the payment out of blue from the debt collector. This may be a scam.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: IN

Complaint narrative:
Have been trying to get Ocwen Loan Servicing to close a paid off HELOC XXXX paid off XX/XX/XXXX ) and forward to title company so that sale of property can be completed since the XXXX of XX/XX/XXXX. ( XXXX days ago ) Closing was to be on XX/XX/XXXX at XXXX, XXXX XXXX XXXX, XXXX, IN XXXX. XXXX, XXXX. I am the executor for the estate of XXXX XXXX XXXX XXXX deceased ) who was the mortgagee of this HELOC.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
Ocwen continues to refuse to conduct a fair and impartial review of my mortgage history as far as its own handling and with prior servicer Litton. The loan has been reported by them to have been charged off at least 3 different times. In XXXX, XXXX XXXX, XXXX and XXXX XXXX. A Charge-off allows a creditor to take a tax deduction for bad debts under Section 166 of the IRS code. Obviously, it is a violation of Federal Reserve rules and other banking rules, to declare more than one charge-off on the same loan and concomitant write-off as uncollectible. More recently in XXXX, it has notified XXXX and XXXX of yet another charge-off in XXXX and XXXX XXXX. Ocwen 's XXXX XXXX, XXXX notice to me disingenuously attributes its action to a request on my part. I never requested such charge-off but did challenge their refusal to recognize they are time-barred from reporting the loan to credit reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: First Associates Loan Servicing LLC
State: FL

Complaint narrative:
I went to XXXX in XXXX with hopes of starting a brighter future and while I was finally able to land a job in the XXXX they almost laughed during my interview when I told them I went to XXXX. My personal experience and own certifications landed me a job not the " education '' received at XXXX. What 's worse even though I was told I could later continue my education at another University I later found out that these credits were non-transferable! So everything they promised and told me and everything they " did n't '' tell me has hurt me and not helps. Also, thanks to Peaks private loans I started with a balance of {$21000.00} in private loans ( not to mention federal ) I have paid well over {$8000.00} and somehow still owe {$20000.00}. I feel ripped off and now feel like prisoner to debt.

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 2015-05-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: WI

Complaint narrative:
Litton loan filed XXXX for closures with false documents, charged me fees that were subject to HUD section 8 violations, failed to apply payments in a timely manor, and charged fees for late payments, in spite of receiving certified bank checks, sent registered mail, and mis applied payments, falseified my credit history and payment history, filed fraudulent legal documents that were later to found forged

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Tri-State Adjustments, Inc.
State: CA

Complaint narrative:
Re : XXXX XXXX XXXX - Tri-State CollectionsXXXX.XXXX.XXXXRegarding : XXXX XXXX / XXXX XXXX XXXX ID XXXX XXXXXXXX XXXX collection claim is for a battery for a portable XXXX. 
Invoice Number : XXXXDate of service : XXXX.XXXX.XXXXBalance : $ XXXXXXXXLate fee : $ XXXXXXXXCollection bill total : $ XXXXXXXXXXXX XXXXClaim InformationClaim ID : XXXXMember Services XXXXXXXXMolina verifies XXXX sent a duplicate claim XXXX, only XXXX claim for the battery was verified paid by XXXX. 
XXXX approval date : XXXX.XXXX.XXXXXXXX pay date : XXXX @ XXXX payment : $ XXXXXXXXActual billing for the battery by XXXX was : {$92.00} ( I have the original bill ). 
XXXX is being over charged by the amount of {$65.00}. I am being over charged {$65.00}, or they are trying to collect on a bill in full that was paid in full by XXXX XXXX. 

XXXX has previously sent collection notices and robo-dials for collection XX/XX/XXXX-XX/XX/XXXX. 
I called XXXX ( XXXX ) XXXX XXXX and followed up with XXXX XXXX XXXX, who verified payment was made to XXXX ( case # XXXX ), and who called XXXX to give them payment information. 

I called XXXX ( XXXX XXXX ) to inform them of the update and to expect a call from XXXX XXXX XXXX verifying account information and payment, I also informed XXXX at that time ( XXXX or XXXX ) to stop all robo-collection calls. I told the representative at XXXX that it was okay if she wanted to call me personally and discuss the account, but no more robo-calls. I had also had communications with XXXX about this issue. 
I believed this matter to be resolved XXXX XXXX. 

XXXX XXXX XXXX started collections again for the battery, and the collection notices and the numerous robo-calls for collection has started again. I did not call XXXX again because it is obvious they can not make corrections in their billing department, and because we have addressed this issue once before, although I did call XXXX once again ( now a third time ) to verify payment in full to XXXX. 
My concerns are now focused to a collection agency becoming involved on what I would consider fraudulent billing and collections. 
XX/XX/XXXX. I received a collection letter from Tri- State Adjustments of Wisconsin . 

Tri-State Adjustments XXXX XXXX, Wi XXXXXXXXDebra XXXXXXXXRe : XXXX # XXXXBalance due : $ XXXXXXXXThis account has been satisfied by XXXX, albeit being overcharged by the amount of {$65.00} or XXXX attempting to collect on a bill previously paid in full by XXXX. 
A copy of this complaint was sent to Tri-State collections XXXX.XXXX.XXXXSincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
OCWEN HAS ENGAGED IN CONTINUOUS PREDATORY PRACTICES, intentionally to avoid assisting me/ a borrower, in resolving the toxic, bad loan STILL plaguing me from pre-2008 meltdown/ bad debt. They have EVERY time sabotaged ( I have proof ) the process to avoid ANY RESOLUTION to the toxic loan I am still saddled with. For over 1.5 years I have attempted a conventional refinance, a HARP refinance, a modification, and a short sale among other attempts to resolve. OCWEN BURIES the process and SABOTAGES it : Hiding behind bureaucracy so egregiously that the applications expire, and/or documentation expires, creating the continuous requirement of new documentation and notifications of FURTHER DOCUMENTATION REQUIRED, EVENTUALLY REQUIRING US TO APPLY FROM THE START ALL OVER AGAIN, AND THE SABOTAGE CIRCULARLY CONTINUES AD INFINITUM. 
ALL-ALL-ALL LEADING TO " DECLINING THE APPLICATION '' AND NO RESOLUTION. 
OCWEN IS PREDATORY and blatently avoiding borrowers receive government assistance programs or working on a solution, ANY SOLUTION, to get them out of toxic debt caused by the residual bad loans that caused the 2008 meltdown.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: IN

Complaint narrative:
Ocwen Loan Servicing has not paid our Home Insurance that was due XXXX XXXX, 2015. They collect for and escrow the money for it in our monthly payment it. My insurance Co called and said they would cancel the policy if not paid in XXXX days.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
In XXXX I requested Harp loan applications from our first mortgage company.. Filled out application and faxed all document to them on XXXX XXXX, 2015. They later requested a hardship letter which I did and faxed to them on XXXX XXXX, XXXX then they waited until XX/XX/XXXX. to request section XXXX & XXXX so I did that and faxed to them. We are into XX/XX/XXXX now and they are asking for repeat documents again. I have never seen anyone delay, delay, and delay the process of my HARP request. I have tried to talk to them about why they could not ask for all documents needed to send at the same time. Each time I sent the documents they needed they would postpone contacting me for an appointment for at least 2 weeks. then they needed something else. There is no way to get any help for this loan request. I know that if I do n't receive a HARP assistance within 2 months I am afraid I will have to start the default process which will lead to us leaving our home. I tried to get help from my mortgage company and they have no intention of giving a reduction in the principal or lower interest. I am currently not in default and am trying to stay that way.. but I think that I need to file this complaint so other families will not fall into this same despair.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: TX

Complaint narrative:
Hunter Warfield has falsely placed a derogatory on my credit report for an account I had already settled with them. After calling, they had agreed to file a request for deletion with the XXXX credit agencies, however they have not done so.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: ERC
State: MA

Complaint narrative:
XXXX XXXX NO CONTRACT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-04-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
Ocwen Loan Servicing , LLC stopped payment on a check that was mailed to My local Tax Commissioner for my property taxes. So my taxes have not been paid after XXXX phone calls still nothing so I have paid the bill myself before the they put a lien on my property. The Company will not issue my money back out of Escrow and I am out this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX

Complaint narrative:
I got a call from said name of XXXX XXXX ( XXXX ) XXXX he was calling from XXXXthat I was a Recipient of {$9000.00} grant to get this send {$220.00} to XXXX XXXX in XXXX so i did when no money came he told me that XXXX XXXX will release money XXXX told me i need to {$380.00} to XXXX XXXX.after I send XXXX XXXX ( XXXX ) XXXX he then told me the IRS had a hold to send {$590.00} to release the money in 15min.I think that I am a victom of fraud.

Company response to consumer: Closed with explanation