vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-30 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
I applied for a mortgage modification and was granted it in XX/XX/XXXX. Per Ocwen Loan Servicing. No payments for XX/XX/XXXX and XX/XX/XXXX were to be paid per Ocwen. ! st modification patment due XX/XX/XXXX, 1st of 3. That payment was made XX/XX/XXXX. Ocwen is now reporting my mortgage as 30 late, hurting my credit going from 703 to now 504. Tryed to dispute this with Ocwen on XXXX/XXXX/XXXX on phone but Ocwen mortgage will not assist. This false reporting of my mortgage being 30 days late has caused my creditors to now cut my available credit with them in half. I want Ocwen Loan Servcing, my mortgage company to remove this statement from my credit report. My mortgage has never been late but when I applied and was granted this modification by Ocwen with no payments till XX/XX/XXXX, they are reporting it as I did not pay on time ... this is wrong!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 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 a very unique style of harassment. They increase the amount of collection balance by only $ XXXX and report the new amount every month. So every month my credit score is injured by the fresh bad collection activity. They also call 4-5 times a day despite my telling them not to. The apartment building that charged me for paint an carpet are criminals themselves, I had reported the maintenance issues three times over the year I lived there. I am not paying the landlord for work that they should have fixed while I lived there and now they have Hunter Warfield trying to collect and hurting my credit monthly. This is a three year old claim!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-19 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: MI

Complaint narrative:
HUNTER WARFIELD AND XXXX APARTMENTS. I have disputed a debt because the apartment I lived in did not comply with sending me the required information and then the apartment complex changed the amount I owed from {$1600.00} to {$2400.00} for the bed bugs. I do not owe and have disputed the debt twice, but they continue to contact me AND they have reported me to a credit bureau. The last time I sent emails, letters and copies of my move out charges. The credit bureau is the final straw.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
On XXXX XXXX XXXX, Ocwen mistakenly applied my mortgage payment of {$1100.00} to someone else 's account number. I 'd like to get money back from Ocwen but up to today, XXXX/XXXX/XXXX, I still have n't received the money. I was in touch with XXXX XXXX, the Ombudsman at Ocwen hoping to resolve this problem but things do n't look so promising. The Call XXXX XXXX suggested me to submit a claim with consumer Financial Protection Bureau. 
Here is the history : On XX/XX/XXXX, I received a call from Ocwen saying I was behind on my mortgage. 
I called my bank and confirmed that the money has been taken out of my checking account on XXXX/XXXX/XXXX. However, Ocwen claimed that the company never received the payment for XXXX XXXX and that I was behind on my payment. 
After numerous communication, providing documentation and repeating the same story to multiple Ocwen representatives, on XXXX/XXXX/XXXX, Ocwen finally owned up to its mistake. Here is Ocwen official response : Our records indicate that on XXXX XXXX, XXXX, we received funds in the amount of {$1100.00} through check free which were applied towards the incorrect loan number : XXXX in error. 
The problem now that loan number XXXX has been service transferred to XXXX XXXX Bank XXXX, on XXXX XXXX, XXXX. In addition, my loan number XXXX has been transferred to XXXX. Ocwen told me to contact XXXX and provide a letter from them so I can get my money back. I did get in touch with XXXX and faxed them the letter from Ocwen on XXXX XXXX, XXXX. 
Today, XXXX/XXXX/XXXX, I follow up with XXXX to check-in where we are in the process. XXXX told me that the letter is insufficient and they ca n't give my money back. It 's been 7 months and I 'm still in a limbo.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-13 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: DC

Complaint narrative:
I recently received a new phone number, which I think has been recycled from someone else. I continuously get automated 'debt collection ' messages from them, one, sometimes two a day. I have blocked the numbers, but, of course, they keep changing it. Whatever debt they are trying to collect, I 'm the wrong person and they need to stop, but as it seems to be a fully automated system, there 's no way I can get them to. The company comes up as " Hunter Warfield '' and the last number they used was ( 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 2017-02-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
I have been working in getting a loan modification for over a year with Bay view. Going back and forth on getting documents to them with no responses from the Specialist they say are designated to my file. Recently, they asked for a documents ( a P & L ) which was provided to them within hours. I called to confirm receipt with the Asset Manager XXXX XXXX and unfortunately he was not available. Another Rude Representative within his department XXXX XXXX, took the call. When i asked whether they had received the document she said i had to speak with XXXX XXXX and rudely and adamantly advised that i was wasting my time and the sale date of XXXX/XXXX/17 would not be stopped. When i asked her why, she just went on to say that because we provided the documents were provide 7 days prior to a sale date.. She even verified in her system that the documents were requested on XXXX/XXXX/17 and they were provided the same day. How can they do such a thing and pull my home from under me in that way? Request documents and then say no we cant help you? I need your help! I have a sale date approaching XXXX/XXXX/17 next week Wednesday.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I am in foreclosure. I was offered a trial modification plan with the first payment due XXXX XXXX, 2016. I had a XXXX and was in the hospital so I was not able to make the first payment on time. I called OCWEN loan servicing and was told that I could submit the payment on XXXX XXXX. On XXXX XXXX, 2016, I submitted both the XXXX XXXX, 2016 and XXXX XXXX, 2016 payment for the trial plan with the signed trial plan. I was then told by OCWEN that this will not work and they still plan on selling my home on XXXX XXXX, 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Kansas Counselors, Inc.
State: MO

Complaint narrative:
I need help, I have disputed a medical charge without receiving full validation and this company is now threatening me. They call during working hours etc. All I need is actual validation of this to review. Why is it so hard to obtain? Why does a collection firm need to be rude and threaten a person to pay?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
On XXXX XXXX, 2015 I wired my mortgage payment of {$5600.00} with XXXX Reference number # XXXX. Ocwen refused to accept my wired mortgage payment of {$5600.00} and wired it back to me on XXXX XXXX, 2015. 

I spoke to a representative before wiring the mortgage payment and she had advised me to wire {$5600.00} to avoid my account becoming blocked and going into foreclosure. Ocwen representatives have given me wrong information regarding my account and the sending of my mortgage payment in several occasions. 

Because Ocwen has returned my mortgage payment back to me, I have fallen behind on my mortgage payments. Ocwen has intentionally made it difficult to reinstate my mortgage back to a current status. Ocwen is demanding {$13000.00} currently to reinstate my account, due to their fault of returning my two mortgage payments back to me. 

Ocwen has done this intentionally so they may foreclose on my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: KY

Complaint narrative:
I have a property I can no longer afford, I 've been working with my lender in trying to give back ( deed in lieu ) or short sale, at the same time I was served with papers in seeking a REM judgement against me for the property. I have no way to pay for an attorney to review my case & move forward. I 've been so stressed & confused due to the bombardment of request from my lender, I 'm not sure if they know what they 're doing, cause I 'm lost. 

note : we did have to file bankruptcy before on this property once before, discharged XXXX also, due to the mortgage crisis, Mortgage Settlement, we were not offered a loan modification after receiving a settlement check, not sure even if we were at that time.

Company response to consumer: Closed
Consumer complaint received 2016-09-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: IN

Complaint narrative:
My soon to be XXXX XXXX XXXX mother has been trying to submit her application to Ocwen for seven months. She has resubmitted information five times. Each time she is scheduled for a phone interview Ocwen representatives tell her she has not complied with some part of their paperwork process. Her information has been reviewed prior to sending, and is correct, yet each time, the representatives say that they are not saying she didn n't send it, just that they did not receive it. Her initial application was XXXX of 2016. She has been told that she now has to redo the complete application because she is outside of the 90 day time frame. Ocwen is stating they reviewed the case on the XXXX day and that she is missing the same information she already provided. They are stating she must start over. She began the process due to illness and being off work. She is behind on her mortgage, but has not stopped paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
I was put on a modification payment XX/XX/XXXX and made the required downpayment and when I went to make my XX/XX/XXXX paymen ton XX/XX/XXXX. ocwen would not take my payment online and I called and was told a relationship manager would call me on XX/XX/XXXX at XXXX. no one called. I called again and was told the next available date for a call back is XX/XX/XXXX and I asked for an earlier appointment as I wanted to make sure I paid XX/XX/XXXX mortgage per the repayment plan. I received a call XX/XX/XXXX and explained this again and and I was put on another repayment plan to take effect XX/XX/XXXX with a payment of {$4900.00} and 5 payments of to get back to current payment of {$3500.00}. I schedule another call back for XX/XX/XXXXto make sure payment was taken out of the account on XX/XX/XXXX. I am told today that was denied. each time this lender keeps giving info to me and I comply and then they change their mind and causes more fees and time. I never received any mailed documents as it was to be sent via email as requested. now they cant take the payment because its over 90 days. and the relationship manager refuses to transfer me to US rep., I have waited over 1 hour to speak to a manager in their XXXX office andXXXX keeps calling to transfer me and I cant keep holding

Company response to consumer: Closed
Consumer complaint received 2015-08-13 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: Duncan Solutions, lnc.
State: TX

Complaint narrative:
Today I checked my credit report and noticed I had an unpaid debt " derogatory remark '' against me on my XXXX report. It listed a City of XXXX ( original creditor ) unpaid parking ticket placed there by Professional Account Management ( debt collection agency ) on XX/XX/XXXX. I have never received correspondence regarding this ticket or debt from either party. 

I called Professional Account Management on XX/XX/XXXX at XXXX and they did not have my current address on file. They had a previous address in XXXX from 10 years ago. They claim mail was never returned as undeliverable so no attempt was made to verify my contact information. They told me my only option was to pay or contact the City of XXXX. 

I then called the City of XXXX parking on XX/XX/XXXX at XXXX and spoke with XXXX. The City of XXXX did have my correct address on file ( I did not provide the address for verification -- he provided it to me ). XXXX stated that the ticket was from XX/XX/XXXX for a blocked sidewalk citation and said my only option was to pay the debt. 

I never received the parking ticket on my car. I never received correspondence, either in writing or over the phone, from the City of XXXX or from Professional Account Management, even though the City of XXXX had my correct address. I have lived at the same address for the past 2.5 years, and my correct address is listed on my Texas driver 's license.I have no other derogatory remarks on my credit report and have paid all bills reported on time. I feel that this nuisance debt for a parking ticket was unfairly reported to credit bureaus -- if I had been contacted by either the City of XXXX or Professional Account Management and given the chance to pay the debt, I would have paid it to keep the charge from appearing on my credit report. It is n't fair that a negligible debt I was not made aware of can damage my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HW Holding, Inc
State: CA

Complaint narrative:
Hunter Watrfield claims to be collecting on behalf of XXXX some rental company which I never had business with. My numerous attempts to resolve the matter with them went ignored. I requested debt validation in accordance with FCRA rules and regulations and they failed to proof validity or ownership of this debt. However they are still reporting this on my credit report which is damaging my credit rating to an extend. I request they DELETE this collection from my report and STOP their harassing collection efforts once and for all!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: NE

Complaint narrative:
I went under contract for a house, XXXX XXXX XXXX XXXX, XXXX XXXX, and ocwen came through after the sellers and I jumped through hoops for 3 months. I would like some sort of repayment in the {$1000.00} some odd dollars i spent on inspections and appraisal. This house was stolen from me by ocwen. I need repayment so i can go look for a new house. I was under contract for XXXX $ and you bought the house for XXXX i believe. so i want something for all this!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-02 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Revenue Recovery Corporation
State: FL

Complaint narrative:
I have recently discovered some collections on my credit report that do not belong to me. Someone has used my name and now I am repeatedly being harassed and threatened for bills that do not belong to me. These agencies use XXXX collection attempts and the US Govt. should stop this. These collection agencies are relentless and they continue to call my place of business, my home, my friends and my relatives, all hours of the day or night seven days a week. They are trying to force me to pay for services and/or bills that are not mine. Also the collections are from a state I have never resided in. I have tried to resolve this on my own to no avail and I refuse to pay or settle on a bill that is not mine. Looking through my investigative notes it seems that the ( XXXX ) medical collection 's on my credit report are connected to XXXX visit to a NC doctor visit. It seems my name has now been sold to yet another batch of piranhas because I am now being harassed from new telephone numbers from a different state.

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
Consumer complaint received 2015-08-19 00:00:00
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
I am the prospective buyer of a property located at XXXX XXXX XXXX, XXXX, NJ. I submitted an offer and entered into a contract with the Seller at the end of XXXX 2015. Following a request for financial documents by the bank, which I provided, the property was then listed on XXXX for auction ( this is an OCWEN short sale ). The property was listed 3 times, we were told for market validation, without success in that there were no bidders. We are now told that the property has been returned to OCWEN 's short sale department but that a new representative was assigned due to a change in staffing. That new representative is again requesting financial documents and we are told that this process may take another 30 days. I understand in reading up on OCWEN 's short sale process that the property had to be listed through XXXX. The fact that it had to be listed 3 times without success is questionable, but now in the past. The fact that OCWEN wants to potentially see the same documents all over again, is frustrating, but something we expected. The length of time that this is taking when we are the only offer out there is what is troubling, in addition to the fact that CFPB regulations which were recently amended in XXXX 2015 expressly state that we should have had an answer to our contract within XXXX ( 60 XXXX days, which OCWEN has unquestionably run afoul of. I know that OCWEN has been investigated recently regarding their business practices as well as their relationship with XXXX and I want them to be held accountable under their new corporate structure for what I perceive to be a continuation of those practices. I am asking that my contract be considered and a decision rendered immediately and that, in further compliance, with the regulations, that we be kept in contact regarding the progress of our contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Pretender lender loan servicer " Ocwen Loan Servicing '' employee " XXXX '' returned my call, XX/XX/2017 at XXXX. I told XXXX she and Ocwen must stop committing fraud against me, attempting to seize my property I own free and clear., XXXX informed me that she and other Ocwen employees will continue to service the fraudulent pretender lender loan account. Totally delusional and a total waist of time. I will retain XXXX now and the other lawyers who will back up XXXX and take on the Ocwen XXXX. Jury Trial Requested!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I have filed a complaint and have been working with Ocwen to finalize this modification as of XXXX of XX/XX/2014. I have made all payments from what we were told and on all our statements nothing is being posted for those payments as well as we did get a new doc to finalize but our principle has gone from {$360000.00} to {$380000.00} which means they have not posted the payments and are now trying to take advantage of the funds and my payments. We are in the process of doing a sale on the house but they have not corrected my wifes and my credit reports as they have been posting that it is unpaid and they need to correct the balances and fix based on payments. This is an illegal activity that they are continuing to do. 

we have also obtained all proper insurances and are being told that XXXX is not rated high enough for them to be used for insurance and when I talk to XXXX they state ocwen is nuts. They 're also requiring insurances I do n't legally need.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
I have been charged with invalid and unlawful charges ( property maintenance and inspection fees totaling {$210.00} ) I have asked Ocwen to supply me with copies of alleged worked done as they had no access to my property unless they entered the property unlawfully ( unlawful entry ) my property was secured by my realtor and Ocwen was notified of this by my relationship manager. There was nothing for them to maintain as they had no access to my property and there was nothing to maintain outside either.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: Ocwen Financial Corporation
State: MO

Complaint narrative:
In 2007 XXXX XXXX XXXX offered me a {$150000.00} loan in my house I did not accept this offer nor did I sign it.

Company response to consumer: Closed with explanation