vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
On XXXX XXXX my mortgage with OCWEN reached its maturity date. OCWEN would not accept my last payment due to fees on account. I tried to work this out with OCWEN, instead they hired XXXX to start foreclosure. On XXXX XXXX XXXX sent me a NOTICE OF INTENTION TO FORECLOSE. With the amount of XXXX needed to satisfy mortgage. The amount was good for 30 days. I did n't have all the money, so I call OCWEN to reduce some of the fees to no avail. On XXXX XXXX, 2016 XXXX sent me a new complaint with XXXX due. I contacted OCWEN and they sent me a higher amount due.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 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: GA

Complaint narrative:
I was let out of a previous lease from XXXX and I was informed I would receive a bill after my deposit was deducted from the balance of the last month 's rent only if I owed. I was informed by the manager that I should NOT have much balance after deducting my security deposit. After not hearing back from the leasing manager, I called and was informed they were attempting to locate the paperwork from when I initially moved into the apartment complex since it was through a different company and they ( XXXX ) bought out the previous owners. The leasing manager confirmed my previous apt . # ( XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX ) and confirmed I was moved to XXXX XXXX XXXX XXXX after many of us was relocated different apartments due to fire. Months later I received a bill stating I owed {$780.00} with no deduction of my deposit. There was no damage to the apartment, no clean up fees attached no nothing but this balance for the last month 's rent. Later I wrote them online through their website and never received a reply. I also wrote the management company and never received a reply. I then later received a bill from a collection agency with a larger amount, when I called them they stated it was due to interest. I explained to them the inaccuracies and informed the collection company I should not have a balance, but it did n't matter to them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
We deeded the XXXX house to my daughter XXXX XXXX in XXXX retaining a life estate. She received a XXXX $ mortgage in XXXX XXXX. Our names were handwritten and added to the mortgage and we signed as life tenants not borrowers. It is my understanding that life tenants ca n't apply for s mortgage. We never signed as borrowers as indicated on mortgage. Also XXXX was never in our house as we testified to. Attachment That mortgage was satisfied in XXXX XXXX. Attachment It no longer exists on the recorded county registry. 
XXXX XXXX then received a XXXX $ mortgage attachment which we were not aware of nor signed this mortgage. This is the now the recorded loan, not the XXXX $ .attachment We went through foreclosure mediation with an attorney and it was denied. Indy Mac became XXXX XXXX now it is Ocwen. Ocwen refused to negotiate with the XXXX $ since it was the title company 's error which they admitted. 
They are now in court to take away our life estate with the XXXX $ loan and s judge ruled in the banks favor. We are now appealing that decision that this mortgage NOT tecorded. The regulations are in NJ statute that recorded documents can be utilized. They are using a mortgage that no longer exists. Indy Mac knew of the title company 's mistake by not researching rhe recorded deed. Attachment in order to get their money in their greed they are allowed to utilize a previous loan. We as life tenants wish to keep the house and settle to receive a loan modification to purchase the property and remain in the house. The bank knew of the recorded mortgage but chose to file s complaint against us removing our life estateso they could foreclose. Our appeal Might not be heard leaving us without s home to live in with our granddaughter. We deliberately did a life estate to prevent this from happening. SO title company off the hook and bank Pursuing illegal Options. The first mortgage we are not borrowers as they claim and the recorded loan we were not included as life tenants so that mortgage not valid either. We are left with in a difficult position as the courts have sided with the judge and our appeal might not be heard. We ca n't get a loan because the house not in our name, the title company did not orotect our interests, the borrower is not sued but we are foreclosed on with no roof ovef our head. 
The title company and bank should be held acvountable for their illegal banking practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Cooper Hoffman Klein Associates
State: OH

Complaint narrative:
My XXXX year old daughter is receiving non-stop calls on her cell phone from " Cooper Hoffman & Klein Associates '' attempting to collect a debt from someone named " XXXX XXXX ''. We block the calls but they keep calling from other phone numbers. I called on XXXX/XXXX/15 and spoke to XXXX - I explained the situation and he hung up on me. They reference Case # XXXX and have called from these numbers : ( XXXX ) XXXX ; ( XXXX ) XXXX and ( XXXX ) XXXX. The voicemails threaten legal action and someone will show up at our house.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-20 00:00:00
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
I have a property in the State of North Carolina that Ocwen is attempting to foreclose on, but NC General Statute requires that the FDCPA debt letter be mailed WITHIN 30 days of the date of the original notice of foreclosure. The date of the original date of foreclosure was XXXX XXXX, 2011. I recently filed a complaint with this office stating that the appointed trustee never mailed the letter, but counsel for Ocwen responded by sharing a letter dated XXXX XXXX, 2011. This letter was not within 30 days of the date of notice and therefore, I was never provided FDCPA letter within 30 days of the notice of foreclosure as required by NCGS 45-21-16 ( c ) ( 5a ). The dates are clear and as stated Ocwen and its predecessors did not follow the law and provide the required 30 day FDCPA letter in accordance to law. Owen 's XXXX XXXX, 2011 was pre-mature, outside the 30 days and contained foreclosure fees that were not yet due. Ocwen must give us the opportunity that it gives everyone else when the full foreclosure process is not followed in accordance to law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
XXXX XXXX have an insurance ( insurance ) claim, due to a fire, the claim begins with XXXX XXXX XXXX, and was transferred over to Owen Loan Servicing. 
The XXXX draw was distribute to the contractor, However he did any building,, Ocwen was informed of the matter on hand, when the loan was transferred over. I informed Ocwen again of the matter. Ocwen states that it is XXXX XXXX XXXX responsibility because the check was sent out by XXXX XXXX XXXX. And they can not act on the issue, with out Authorization from XXXX XXXX XXXX. 
Ocwen wants to know why I am inquiring of the matter, to them and they will not take any action on the matter, or assist with the issue. Per Ocwen it 's XXXX XXXX XXXX responsibility. Per Ocwen they will not do the necessary process to inquire about the XXXX, for the completion of the repairs because it is XXXX XXXX XXXX responsibility. And for me not contact them, any more. 
I received ( return ) a call from, Ocwen ( XXXX ) representing XXXX XXXX XXXX. On what they can and want do. 
Per XXXX, it is Ocwen responsibility to inquire with the contractor, on the repairs. Because the loan is with them and the money is part of the Mortgage loan. 
Please see Attachments. 
Per Ocwen, they need XXXX XXXX XXXX authorization, to proceed to take action on the money. Due Ocwen need Authorization to move forward with Retrieving the Missing Money ( Funds ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Ocwen Financial Corporation
State: MO

Complaint narrative:
I 'm a widow and my husband was the major income contributor in our family. I tried to get help form Ocwen before I could no longer make the payment. I filled out the Hardship paper work and sent it in. I was contacted by a representative and he told me he would be my point of contact. He said I was missing some paper work so I got it together and sent it in. Three weeks later I hadnt heard form them so I called, Long story short I had been assigned to a different person and they had not recieved the paper work. This happend for the next couple of months until they said the information was too old I needed to start all over again. 

I was behind on my mortgage for a few months but I got it caught up in XXXX 2016. Now they are calling me everyday about when I am going to pay XXXX payment and it is not late until the XXXX of the month.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-22 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I purchased a flood insurance, not required by my mortgage company. I had a flood and got a check for {$32.00} in XXXX. I have been stonewalled by my mortgage company ever since and have not been able to cash the check. I rebuild my house as a owner/constructor and should be able to fix the damage myself. I have all documents to prove that I was my own construction company. The mortgage company will not respond to any of my correspondence XXXX XXXX, XXXX XXXX XXXX, a XXXX XXXX supported lawyer company. 
I was in foreclosure, through XXXX I am no longer in foreclosure and has not been for a year. 
My foreclosure lawyer also tried to help me in this matter and he got stonewalled as well. 
I do not know how to or where to go for this matter to be dealt with and hope you can help me so this matter will be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
This company Ocwen Loan Servicing XXXX has accessed my consumer credit report without lawful authority. I contacted them via facsimile transmission on XX/XX/XXXX. They have not responded. I asked them to send me any documentation that shows I gave my consent for them to pull my credit report and violate my constitutionally-protected right to privacy. 

They have not sent any documentation showing that I have given anu such consent or that I have any kind of previous relationship business relationship with them. In fact, they have not responded at all. I am invoking the office of the CFPB to take any measures necessary to make them correct the violation before I file suit. If they respond with anything relating to accessing my credit report as being a soft " pull '' that will be unacceptable. 

An identity theft affidavit and police report will be forthcoming.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
Item XXXX : The most recent payment history that I received from Ocwen on XXXX/XXXX/2015 shows significant variances in the principle balance over a very short period of time. Example of the variances are as XXXX Principal balance $ XXXX Principal balance $ XXXX Principal balance $ XXXX Principal balance $ XXXX Principal balance $ XXXX $ XXXX XXXX : Escrow balances on the payment history shows significant balance variances all shown on XXXX/XXXX/2015 of the report. The balance varies from a high balance of {$3600.00} to a low balance of {$560.00} all in XXXX day. The variance is {$3000.00}. Payments in the amount of {$1800.00} were made out of escrow for property taxes and home owners insurance payments. 
A reasonable person examining the payment history that Ocwen provided would not be able to determine whether the account balances on the mortgage are correct. 
The payment history provided by Ocwen reveals numerous accounting irregularities suspense adjustments, account balance reversals and variances that are not standard accounting practices or simple clerical errors and may constitute violations of both RESPA, CFPB rules and laws, or fraud. To date I have been unable to obtain satisfactory responses to my Ocwen complaints from the Ombudsman, Relationship Manager, or any entity within Ocwen.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28 00:00:00
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
Gmac is sharing conflicting information to myself and my XXXX credit report my first delinquency of my auto loan was back in XXXX as it is stated on my credit report and Gmac is reporting my first delinquency as of XXXX that is incorrect I will be attaching a file with cfpb results from XXXX and gmac and my credit report that has the first date of delinquency

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
We have submitted a Loan Modification Request on XX/XX/2016 clearly more than 7 days prior to the sale date of XX/XX/XXXX in compliance with Rule 3.3. However. the lender, Wells Fargo, has not postponed the sale date or even put the file in review as of XX/XX/2016.

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 2016-01-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
We refinanced our home with Wells Fargo and they made the check for more than the amount needed so they said they would send us a check for the balance. The closing date was XXXX XXXX, XXXX. The original loan was paid off XXXX XXXX, XXXX. The check for the balance was made out XXXX XXXX, XXXX and we did not receive it until XXXX XXXX, XXXX. The envelope that it came in was postmarked XXXX XXXX, XXXX. That is 1 week from when the check was written. My complaint is that we should have received that check by XXXX XXXX, XXXX which is 17 days before we deposited it in our checking account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XXXX I sent the money to incorrect account number via Wells Fargo to XXXX bank.I registered my employee information ( name route number account number ) on direct pay registration.3 days later Wells Fargo verified the registration and I sent the money on XXXX.A few days later I found that I missed XXXX number ( employee account number is started with XXXX and XXXX digit ) and registered only XXXX digit.I stopped by Wells Fargo and XXXX so many times and report this matter. It is not solved until today.

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 2015-11-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
wells fargo has denied me a loan modivation which I qualify for.they have changed my case maneger 3 times and never return phone calls.they have wrong information on my financels.I finalley got a hold of some one to find out why I got denied and there number of my monthly income got put in computer wrong.so I resubmitted.and know one called and now XXXX XXXX they started forcloser and I just got letter in mail 3 days ago.I have been in my home 18 years and have had my XXXX 30 years.my interest rate is XXXX wells fargo has been very challenging to deal with its because I have a little equity in my home they will not give me loan mode even though I qualify. I am a hard working single female.XXXX is why I feel behind she is XXXX and had to help her, I am only behind XXXX payment over the last 3 years, if they lowered my rate and added past payments on back of loan I would be fine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-08 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo branch in XXXX, PA XX/XX/XXXX/XX/XX/2015 opened accounts under the false pretext of saving me account fees. Since then they have collected fees of {$170.00}. Part of the " deal '' to avoid fees was an XXXX XXXX Credit card which I never authorized a transaction on and I now show fees of {$46.00}. 

I want {$22.00} returned to me immediately and all charges past and future wiped out. I want to cancel XXXX and the Business account and all fees repaid. 

Further, just a comment on Wells Fargo and the other large banks. We need convictions and long jail sentences for bank executives.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX, NC XXXX Home has been sitting vacant, with no one maintaining it or paying Association assessments.

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 2016-09-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I qualify for a loan modification. My hardship is loss of most of my income due to XXXX. Since taxes are n't taken out of my month SS check, wells Fargo says they need a monthly gross and net. Therefore they are adding XXXX % more income to use as a gross making me no longer eligible for the modification. Is this legal or just another illegal stunt of Wells Fargo?

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 2015-08-06 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Sent notice offering option to pay online. Input all information but site would not accept payment. Tried 3 times with different credit cards but still would not work. All info in website states enter " Credit Card '' type of " Credit Card ''. When I finally called and got a live person I was told that they only accept debit cards or checks for this client. I have wasted hours going in circles to find out that the company XXXX XXXX , XXXX in XXXX XXXX, MN XXXX intentionally wastes peoples time by not giving accurate information. The DO NOT state anywhere that you can only use a debit card or check to pay them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-17 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo website advertising Streamlined Refinance Considerations You must be an existing Wells Fargo Home Mortgage customer. 
You can not do a cash-out refinance or a refinance requiring a title change through the streamlined refinance program. 
I have Adjustble 30 year mortgage, nohwere on wedsite including small print indicated what type of loan is qualified for streamline refinace at now cost, I was rejected becouse my loan was not qualified. 
This is False advetising by Wells Fargo to attract phone calls for W.F mortgage depatment

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