vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: SC

Complaint narrative:
I have been trying to get a loan modification with Ocwen. Over the last three months I have been given conflicting information. Some examples of this are : 1. On XX/XX/XXXX I spoke with Loss mitigation rep XXXX ID # XXXX. She confirmed she received my profit & loss statement through XX/XX/2016. On XX/XX/XXXX XXXX XXXX ( XXXX ) ID # XXXX told me they never received any profit and loss statement from me and it needed to be resent. 
2. On XX/XX/XXXX I spoke w/ XXXX ID # XXXX who told me I needed to send in a new RMA and paystubs and an explanation for a discrepancy ocwen claimed was in the YTD of my payroll ( they refuse to send this 'discrepancy ' in writing so it can be reviewed. I see no discrepancy and neither does my payroll manager. ) on XX/XX/XXXX XXXX ID # XXXX told me those documents were never requested. 
3. On XX/XX/XXXX I asked XXXX # XXXX to escalate the file as I felt I was being given false information and there was a lack of competency on the part of Ocwen and my modification. She said she did n't know how to do that or what that was. After I told her I was going to complain to the CFPB, she told me she COULD escalate the file. She refused to comply until threatened with the complaint. 

Basically, Ocwen is fighting me tooth and nail because they want to illegally foreclose on my home. They so far refuse to review me for loan modification in good faith. I have been lied to given false information over and over. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 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: FL

Complaint narrative:
Hello, I used to live in the apartments called XXXX XXXX XXXX about 4 years ago. Supposedly I never " paid '' my last month of rent. I belive that the staff never submitted my last payment, I cleaned the entire apartment even deep clean the carpet, hand in an envelope with the keys, mail box keys and pool pass. I never received any letter through the mail regarding this matter at all. It appear in my credit account out the blue years later. Hunters Warfield and I came into a agreement and paid {$1000.00} to pay off the debt. I need this account closed and gone from my credit as soon as possible.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
A continuation of Case # XXXX Despite OCWEN 's acceptance of responsibility for their mistake in accounting and notification, and the fact that I have paid everything on time, when they asked for it, all three credit reporting bureaus are still showing me as delinquent on XXXX 2015 's mortgage payment. I need to have CFPB pressure on OCWEN to make them correct my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
Lawsuits will include the following1. Predatory lending in XXXX. Extortion from XXXX through present asking for more money than that was supposed to be3. Claiming from XXXX through XXXX I was not eligible for a government we modification when in fact I was4. Fraudulently given an in-house loan instead of the requested and approved government loan5. Monies were transferred from XXXX home mortgage which were incorrectly forwarded to XXXX residential and should 've been returned to me which never were6. Tens of thousands of dollars sent in as payments monthly payments which never were posted and reposted to principalLoan which originated into XXXX at {$150000.00} now double {$300000.00} even though I made 20 years of payments. fraud and corruption and extortion

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
I also want you the cfpb to know that I did a deposition for a lawyer out of texas, he is defending XXXX whistle blowers that use to work for ocwen and I came across some very interesting emails from ocwen laughing and joking at our situation.. a lady named XXXX XXXX and another lady lol with smiley faces one asking the other to get us a mod and the other one saying like that will ever happen lol with a smiley face at the end ... but since you guys have let them do this to my family since 2011 you probably think its funny too ... thas fine and now the have XXXX to foreclose on us right after our deposition and they are the ones making a joke of it ... that 's ok its things like this that make our cases bc no one else cares and that 's the truth ... shame on you cfpb

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: HW Holding, Inc
State: FL

Complaint narrative:
I get a collection account under my name with Hunter Warfield Inc but I do not know this company. I want this collection to stop calling me and harassing me on the phone and I want this debt to be removed immediately from my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My XX/XX/XXXX Tax Return Was deposit into the wrong account, I call the bank The Morning Of The Deposit and let them know the acct # was Wrong and please return the deposit to the IRS, THE BANK TOLD ME DONT WORRY the names must match the account, Well That Was A Lie, It Went to A Open Acct, it was deposit and spent, The IRS Said The Bank Should 've Return The Refund, The Bank Said The IRS has To Request The Refund Return They did n't, XXXX Made The Mistake and said the bank Will Reject the refund, It did n't happen I have been going back and fort with the XXXX agency and it 's like a lost case, I Contact the customer after chase bank give me his Name, Address and Phone # .I Contact him and he said he had a Amend return for almost the same amount from the same tax office and when it comes he will pay then THAT WAS XX/XX/XXXX, I 'm So Tried, and I Think Chase Should Have Sent it Back To The IRS , They Have Protected This One Customer and Not Me Well I 'm Your Customer To Chase. The IRS Sent A Letter Requesting Information and The Bank Said It Went Into The Wrong Acct, The Name And SS # DO NOT MATCH-Funds NOT AVAILABLE TO RETURN AS OF XX/XX/XXXX - {$4200.00} I Contact Chase Bank Executive Customer Service and after a while like 6 to 8 weeks was told The Bank Will Not Lose Any Money and yes it should have been return, To Go After The Customer. WOW

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19 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: FL

Complaint narrative:
In XXXX, XXXX billed me {$99.00} for a repair to an apartment I rented. I did not receive that as I moved out of state and it ended on my credit report with fle # XXXX .... for {$360.00} filed by Hunter Warfield. 

I discovered this in XXXX when I was applying for credit for a new home. I contacted XXXX XXXX who agreed this was their error and they had this deleted off my credit account. 

Then today, I discover that in XXXX, Hunter Warfield placed it against my credit again giving it a new amount and a new case number. File XXXX .... {$390.00} I spoke to XXXX and XXXX both of whom say because they changed the file number and amount, it appears as a new claim when it 's the old XXXX. They can not delete it because it appears as new again. 

They suggested that I contact you to get this removed and to stop Hunter Warfield from continuing to do this. 

Thanks, XXXX XXXX ( 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 2016-09-01 00:00:00
Product: Credit card — 
Issue: Sale of account — 
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
During XXXX and Citi deal over Costco credit card conversion, consumers accounts were transferred from XXXX to Citi. My account with XXXX was in good standing and was on autopay. Before I even received my Citi card, my Citi account already had past due balances and interest charges. This was extremely unfair to me as a good consumer -- 1. A charge on XXXX card should be paid to XXXX through preset auto-payment plan ; 2. Neither XXXX and Citi communicated clearly regarding " charge history '' transfer ; 3. Before I received my new Citi card, I had no knowledge of the existence of the new account, and I had no way of knowing how to pay because I did n't even know the account number ; 4. The Citi credit card account history existed before the card was issued to me, and before the card was activated, without consumer consent ; 5. Because of the technical failure in the transition, I incurred the late fee and interest charges before I even got the new credit card, which affected my credit history. 
6. How can a consumer incur late fee and interest charges before he/she was issued the credit card. There must be a law governing this. 
7. My XXXX account was in good standing and on Autopay. It is totally XXXX 's fault or Citi 's fault, or both in subjecting consumers to financial loss and credit loss. A consumer was not given any chance in the process to prevent such unfair treatment from happening. Our rights must be protected.

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 2016-01-31 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I was informed on XXXX/XXXX/XXXX that I had been sued and that my wages were being garnished. I was advised that a debt from XXXX was purchased by the company XXXX XXXX. I was never served or notified that I was being sued in court. As a result of this I have to quit my job because I do not have sufficient funds to support me and my family and fuel my vehicle to get to work. These people purchased the debt after being written off from the original credit card company and doubled the amount claiming interested. A {$12000.00} debt has now become a {$58000.00} debt because this company has added an outrageous amount of interest, and fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
Trying to refinance a mortgage ; Was told property had not been out of foreclosure long enough. WHAT???? Have not filed bankruptcy, property has NOT been foreclosed on. Spoke with individual at loan servicing company, said they would take care of it. NOW!!! Most info pertaining to this mortgage is gone from their records ( payment history, etc. ). Credit report says account was paid and closed. So who or??? is collecting my payments?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
Well the saga continues after XXXX complaints and XXXX months later my deed in lue is still not completed and now the home owners association is planning on taking me to court because of past arrears that I can not not pay due to the fact that Ocwen has taken so long with completing my deed in blue that they said would take XXXX days. Ocwen continues to lie about their process and push me off. I recently receive foreclosure paperwork from an attorney about the house in question that Ocwen submitted to them. I contacted Ocwen and they told me not to worry about t and they can stop the foreclosure at any time they are just waiting for their attorney to get back to them. So about their attorney, they gave me the name and number to try and get in contact with " THEIR '' attorney who I found out if a family attorney not a mortgage or real estate attorney. After calling them back multiple times and spending time I found out they were never able to contact their attorney for many months and this was the delay. I told them to find another attorney, and they wasted all this time. I had to kick out the renters who are still waiting on their {$3000.00} from Ocwen to move out and Ocwen 's escalation team s horrible to work with everyone puts a priority on the escalation and nothing happens. There must be something to protect consumers from this behavior of the mortgage companies. Where can I go? Do I have to take them to court? I now have less than 30 days before they foreclose on my house that I have been trying to give back to them for over a year and their inability to do the right thing and provide professional services is completely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: AL

Complaint narrative:
Ocwen became my mortgage servicer XXXX XXXX by XXXX and immediately they foreclosed on me. I got an attorney to fight but held up for awhile, during the time they were being suited, from everywhere, during the same thing they was trying to do to me. I signed a loan with XXXX XXXX XXXX XXXX in XXXX, with XXXX, than XXXX, then XXXX, now XXXX. XXXX still want provide my attorney with the proper information for the modification loan, they offered me. Something really need to be done, about this deceitful companies.

Company response to consumer: Closed with explanation
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: FL

Complaint narrative:
My loan is currently serviced by Ocwen Loan Servicing. Ocwen Loan Servicing has failed and refused to act on my request for reinstatement and payoff quotes. The request was made to Ocwen Loan Servicing on XXXX XXXX, 2015. I tried to make contact with Ocwen Loan Servicing numerous times and was told that they would not speak to me due to the fact that this matter is in litigation and there are certain litigation codes on the file. Ocwen Loan Servicing advised me to contact their law firm XXXX, XXXX XXXX XXXX, XXXXThat law firm can not talk to a represented client. So the bank advises me to talk to their lawyer to remove their litigation codes, but their lawyer can not ethically and professionally speak to a represented person. This is just another example of Ocwen Loan Servicing stonewalling and not complying with the national mortgage settlement. 

My loan number is XXXX state of Florida , County of XXXX case number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
I 'm in the middle of a refinance and for some strange reason Ocwen is holding up providing a payoff letter. I 've had to reschedule my closing date of XXXX XXXX, 2015 because of this and I would like for any assistance you could provide in this matter. Calling these people ( Ocwen ) is like talking to a brick wall. Please have them forward the payoff letter to XXXX XXXX as soon as possible so this matter can be resolved.

Company response to consumer: Closed
Consumer complaint received 2015-11-17 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
These people call from different numbers and when I call them they never address themselves. I do owe a credit card debt but I can not make any payments right now since i only work part time and I am in school. They keep calling my place of employment which is illegal and asking my co-workers personal questions about me. I need this too stop.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX & XXXX 2016 Over Limit Reported To XXXX Credits Received Both Times Late If Applied On Time Would'nt Be Over Limit {$100.00} Process In XXXX & {$20.00} XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
i have been the victim of several online fraud scams. i called my bank for help with this and told them i signed a contract with them but the merchants merchandise was not as described and no service was rendered.the company was XXXX chip dev. who i paid XXXX sent a contract in and that was it case closed.i thought my citi card would have looked into it a little further .i must have some recourse available to me.i am XXXX XXXX XXXX and have no functional online business, earn no money, and ended up heavily in debt. i thought citi had a fraud guarantee.i dont feel i have been treated fairly and these people use unfair and deceptive trade practices.citi does not seem to do much work investigating these merchants.i am asking for a fair resolution to my problem.

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 2015-09-23 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Amex credit card account from Macy 's had fraudulent charges on account ( an account which I have never used, and is opened automatically and in addition to the store revolving account ). In XX/XX/XXXX, I contacted Macy 's fraud department to get this resolved when I noticed the charges. I am still waiting on receiving paperwork from them to continue this process. I have spent countless hours on the phone trying to receive this paperwork, but am not receiving it at my house in the mail. All other mail I have no problems receiving from other people. They are unwilling to send it to my email or by registered mail. At one point for a few weeks in XX/XX/XXXX they shut down their phone system resulting in countless more hours spent on the phone with other Macy 's departments trying to reach the fraud investigation department. In the meantime, Macy 's debt collection has been harassing me, calling as much as 4 times a day, to try to force me to pay this debt that I do not owe from identity theft. I have spent countless more hours on the phone with them explaining that Macy 's fraud investigation told me not to pay this debt I do not owe, but they do not stop calling. Sometimes, when I start to yet again explain the situation, they just hang up on me. The departments are not communicating with each other, resulting in non stop harassment of me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-24 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Stenger & Stenger, P.C
State: MN

Complaint narrative:
I received a collection letter containing a settlement offer from Stenger & Stenger, a law firm representing XXXX XXXX, dated XXXX XXXX, XXXX. The letter indicates they are collecting on my former XXXX XXXX XXXX account in the amount of {$880.00} and that XXXX XXXX is my current creditor. 

I was extremely upset by this, I assumed they were going to sue me if I did n't pay them. I was too embarrassed to tell anyone and did n't know what to do. This proved to be XXXX. XXXX XXXX some years back caused by XXXX XXXX, I spent quite a while in XXXX which is why I fell behind on my XXXX card to begin with. Now it was happening all over again, XXXX. My Dr. could n't understand it, I had been doing so well. XXXX. XXXX, XXXX. XXXX. All of this caused because I was so afraid of being sued. 

I finally confided in my daughter about this and she started helping me. First she pulled my credit reports and found my old XXXX account was only reporting on one due to how old it is, it 's gone from that one now too. She did some research and this is what she found. 

My XXXX account is past Statutes Of Limitations for suing and was at the time of their letter. Their letter does not indicate that, it was supposed to. I thought if I made a payment it would reset the SOL clock, I now know it would not. 

Their letter gives a deadline date of XXXX XXXX, XXXX for payment, this is why I was certain they were going to sue me if I did n't pay by then. It was very misleading. 

Their letter indicates XXXX XXXX is my creditor. They can not be, they are a debt buyer. XXXX XXXX owns XXXX XXXX XXXX as well as XXXX XXXX. They have an unscrupulous reputation and are banned from filing suit in some states. 

Their letter does not include any of the information it should have. No dates as to when the account was originally opened, the last payment, first delinquency, charged off, when XXXX XXXX supposedly purchased the account and from whom. They did n't even include the account number. 
The amount they are trying to collect is {$880.00}. The amount the XXXX account was charged off for was {$270.00}, a {$610.00} difference. 

My daughter found this court case that is very similar. 
XXXX v. XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX ( XX/XX/XXXX ) My daughter also helped me with this complaint as well as a letter to Stenger & Stenger , dated XXXX XXXX, XXXX, sent via Certified Mail with a Return Receipt. They did not respond. 

When they pull these illegal, unethical scams I wonder if they ever think about what it does to the people they 're scamming. 
I doubt it. 

I 'm confident I would prevail in a court case against Stenger & Stenger and XXXX XXXX but would prefer to settle out of court due to my health. 

I have attached copies of the correspondence and the relevant credit report entry with the account number blackened out for legal reasons.

Company response to consumer: Closed with explanation