vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-22 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Computer Credit, Inc.
State: AZ

Complaint narrative:
None of the above seem to fit took the best one. I was in the Hospital in XXXX, XXXX, XXXX My Medicare advantage plan has now started charging a per diem charge for hospital stays day 1 - 6. Got a call from XXXX, told them to send me a bill, got my first bill in XXXX. XXXX had denied the orig. claim. total was {$800.00} I paid {$200.00}. XXXX/XXXX/XXXX and XXXX XXXX/XXXX/XXXX, Honor health sent me to collections the same day because I refused to make formal payment arrangements. The collection agency will not take payments said I had to talk to the Hosp. the Hosp will not take payments because they turned it over to collections. I only had 2 payments left and no one can decide where I should send them. The collection agency and Hosp want the full amount. I was told that XXXX XXXX REQUIRES a patient to set up payment arrangements. Can they demand full payment? I figured I 'd have this paid off in less than 6 months actually it would be 4 months so a payment arrangement contract did n't seem necessary. But now no one wants the MONEY. The per diem charge was new in XXXX usually we had a co-pay it came as a great surprise that now we have a per diem. They have me delinquent because the charge was for XXXX/XXXX/XXXX even though I did n't get a bill until XXXX XXXX. Is it true that even if you make your payments you can still be sent to collections? it seems a bit odd that a creditor would rather take 50 % than the entire balance. If they are willing to take 50 % I could do that.. Do n't know what to do now, I had planned to send the Hosp, XXXX on the XXXX of XXXX, but I am being told that the Hosp and Collection agency can not accept the payment. It used to be that if a payment was refused by the creditor the creditor risked having the debt cancelled, has that changed? XXXX citizens have enough problems we do n't need any more.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-29 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: TN

Complaint narrative:
I keep getting harassed by this company and i have no idea who they are and what exactly they are talking about. i have sent in letters in response to the ones that they send me telling them that they are so wrong in who they are contacting, which is now harassing. i just want it all to stop but they have n't, just founds out that they put it on my credit.

Company public response: Company believes the complaint is the result of a misunderstanding
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: Disclosure verification of debt — Right to dispute notice not received
Company: Sentry Recovery and Collections, Inc.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX had granted my daughter a scholarship to attend. Half way through the year, XXXX XXXX added full tuition to our balance of XXXX XXXX We had previously found discrepancies in their accounting and brought this to the attention of XXXX XXXX XXXX whom is responsible for accounting at XXXX. This was handled in full. Fast forward to the next school year where my daughter was told that she would attend XXXX but only through an online program for 100 days and that we would then be in the same position as a public school in that the state covered the tuition. This bill did not pass legislation and so XXXX XXXX opted to back charge us. We attempted to resolve this matter with XXXX to no avail, All documents will prove this. Just as well, we have been working with the Nevada XXXX to hold XXXX accountable. Our contacts at the XXXX are XXXX XXXX and XXXX XXXX. So in short, our daughter did not attend XXXX for the time in question. She has been in online school. 
Sentry Collections and Recovery placed a derogatory mark on my credit file though I had been already disputing the debt with the original creditor. 
Never did they send information to my home via mail or even call. Only until I saw my credit report, did I contact them at which time Sentry could not verify the debt, changed the amount allegedly due, and added verbiage to manipulate their position. 
These people threaten to garnish wages, sue, and even have a fraudulent " legal '' department. 
If ever the government needed to step in and shut down a business, this is it. 

Neither XXXX or Sentry can validate the amount due. The requested amount does not match between the XXXX. 

Lastly, I have been served papers from Sentry which after my review of FDCPA is in direct violation.

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 2015-09-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NV

Complaint narrative:
On XXXX XXXX XXXX, I received my credit report from XXXX. I noticed that Ocwen Loan Servicing turned us in to the credit bureaus as ND, no data for our XXXX XXXX mortgage payment. Please see XXXX report! Now, I printed a copy of our payment history from Ocwen Loan Servicing website on XXXX/XXXX/XXXX. This payment history report reflects that our XXXX XXXX payment was received on XXXX/XXXX/XXXX for {$690.00}. Please see the payment history report! Also, on XXXX/XXXX/XXXX, I printed a credit history letter from XXXX website. It reflects that XXXX XXXX, we were current. Please see credit history letter! On XXXX/XXXX/XXXX, I printed a credit history on Ocwens website. This credit history report reflects that in XXXX XXXX, we were current. Also from XXXX XXXX to XXXX XXXX, Ocwen Loan Servicing notified the credit bureaus that we had no payment history. This is incorrect! We made our mortgage payment on time and if Ocwen Loan Servicing submitted no payment history available for these dates, then Ocwen has violated the law, The Fair Credit Reporting Act ( FCRA ) by not accurately submitting the correct information to all the credit bureaus. What Ocwen Loan Servicing has done is unethical and is bad business practices. Now, a CFPB report shows that action is being taken against Nonbank and Bank for inaccurate mortgage loan reporting! This is not the first time that Ocwen Loan Servicing has inaccurately reported our mortgage payments to the credit bureaus. Please see some of the other CFPB complaints against Ocwen Loan Servicing. Now, if Ocwen inaccurately notified the credit bureaus, then Ocwen must be held accountable for their actions. If Ocwen submitted current to all the credit bureaus and the credit bureaus submitted the incorrect information, then Ocwen Loan Servicing must provide proof/documentation to show that Ocwen submitted the correct information to all the credit bureaus so the credit bureaus can be held accountable for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Sentry Recovery and Collections, Inc.
State: OH

Complaint narrative:
I could not find a reason in the drop down window however, this is regarding my attempts to set up payment arrangements with a debt collector. 

On XXXX XXXX 2015, I pulled my credit report due to a Statement of Reason I received from the Consolidated Adjudications Facility regarding my security clearance. I contacted XXXX the creditors, Sentry Recovery and collections. I spoke with XXXX XXXX on XXXX XXXX 2015. During this conversation, he requested that I pay at least {$1000.00} down before he could set up a payment arrangement with me for the XXXX accounts his company holds. I told him that I could not come up with that amount and I would have to call him back. 

I was referred by my command to seek the assistance of a financial counselor XXXX. On XXXX XXXX, I spoke with my counselor and she attempted to reach XXXX XXXX three time. Two times, messages were left. I returned to see my counselor on XXXX XXXX to attempt to contact XXXX XXXX and again we reached his voicemail. On XXXX XXXX 2015, I returned to see my counselor and this time she made contact with XXXX XXXX. She explained that I was needing a payment plan arrangement and that if, in the future, I have an increase in household pay, I will contact him to adjust my payment plan accordingly. His comments were unprofessional as he told my counselor that I would never call him again. At that time she informed him that he was obligated to entertain a payment arrangement with me and that if he did not, I would be contacting the CFPB. He changed his demeanor and requested that we submit by fax a request to begin a monthly payment plan. I did this and the fax was sent and received by his office on XXXX XXXX 2015 XXXX. 

I have again returned to see my counselor on XXXX XXXX 2015, as it has been 7 days since I faxed the request. He has not responded. We attempted to contact him and reached his voicemail and she left a message.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I 'm requesting a mortgage modification to my existing XXXX mortgages. I just moved out to California for a job. A few months later the entire department was outsourced. As a result, my income is not what was anticipated. I have good credit. I have no wish to miss payments and a modification is appropriate. 

Moreover, after being XXXX military ( XXXX ) XX/XX/2011, I attempted several times to modify my loans for XXXX XXXX XXXX XXXX XXXX ( XXXX to OCWEN to XXXX ) and XXXX XXXX XXXX # XXXX XXXX, ( XXXX to XXXX ) but was repeatedly denied this opportunity. 

Finally, this loan companies in question ( all ) continuously misplaced information on the condo HOA and the HOA 's insurance, and demanded updates of the same information every year despite the fact that the information never changed. Worse, the only notice they provided for said demand invariably took the form of a fine or penalty as a result of not providing the same information - provided every year for the last several years already - yet again. 

Despite the fact that they did n't request it, the HOA has not changed, and it appears to all that they were merely acting ignorant ( as if they have n't repeatedly received the same information the pretend not to have every year ) as a pretext for imposing fines and redundant insurance policies. I think this is wrong and I again renew my requests. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: First Associates Loan Servicing LLC
State: TN

Complaint narrative:
This debt is in dispute and has been since XX/XX/XXXX. The original creditor is XXXX XXXX XXXX XXXX XXXX. First Associates Loan Servicing c/o XXXX XXXX XXXX is attempting to collect the debt. XXXX XXXX XXXX began initial written communication about this debt in XX/XX/XXXX and identified their organization as a debt collector. XXXX failed to provide information according to FDCPA 809.a.1-5 [ 15 USC 1692 ] that validates the debt, the original creditor and provide an opportunity for the dispute of this debt since they are not the original creditor as evidenced by the Truth in Lending Disclosure Statement ( attached ).

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
My mortgage was sold to another company. When I inquire about PMI insurance they are stating that the purchase price was XXXX when in fact the original purchase price was XXXX through my original mortgage company so they are not counting the {$29000.00} I already paid into the mortgage. I feel that I do have 20 % invested into the house and I have never been late on any payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
My wife and I have been trapped and dealing with OCWEN since 2013 when I first lost my job. They said we needed to be behind on payments before we could qualify for a HAMP Program. We also hired a company that deals with OCWEN called XXXX XXXX XXXX, they told us along with OCWEN that they work together to help customers reduce interest, payments and ultimately save your home. We feel both of these companies have deceived and taken advantage of us especially by OCWEN saying they work with them. 

To date OCWEN continues to change the amount owed on our home, we have made our trial payments on three different modification plans, our interest rate to 4.6 % when in 2013 when we originally agreed to the plan it was 2.3 %, they extended the terms of our loan to 555 months even after paying on our original loan for over 8 years, they continue to add un explainable fee 's. We have not been offered any forbearance or any programs to help short term, they will not tell us why. Our relationship manager has changed two times and neither one would make effort to call us at times that were schedule by them or their staff. OCWEN continues to call 5-10 times per day saying that we need to make payment, even though we pay every month on time. OCWEN refused to accept our XXXX payment in any form unless we spoke with our relationship manager. We sent a check certified to the payment department, they recieved it but have not cashed it yet. 

Your help would be greatly appreciated, help with dealing with OCWEN and saving our home

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I believe OCWEN LOAN SERVICING LLP has instructed XXXX to terminate my insurance policy. 

I am concerned that Ocwen LLP may have ordered XXXX to terminate my policy. All of XX/XX/XXXX Ocwen has vigorously attempted to destroy my credit and seize my property in spite of my 6 year perfect payment history and only failed to do so because of multiple CFPB complaints filed to report the actions they took. Please look into this. Thank you. 

Sincerely, XXXX XXXX Begin forwarded message : From : XXXX XXXX XXXX XXXX ; XXXXXXXXXXXX ; Date : XX/XX/XXXX at XXXX PDT To : # XXXX XXXX XXXX XXXXXXXXXXXX Cc : XXXXXXXXXXXX Subject : Notice of Non Renewal Dear XXXX XXXX/ XXXX , I am hereby requesting in writing to receive a detailed explanation of why my insurance is being terminated. 

What is the exact number of claims allowed and how exactly did water damage claims exceed that amount, especially since we are reopening claims that were not completed properly the first time around. 

My concern is that Ocwen Loan Servicing may be calling the shots telling my insurance company what they are permitted to do and trying to control my insurance to an extent that may be illegal. Ocwen attempted to illegally seize my home immediately after posting {$76000.00} of Keep Your Home California money and {$5000.00} Hamp incentive that I was awarded for never being late, never missing a payment for six years since the XX/XX/XXXX Loan Mod. If not for the CFPB complaints I made immediately, Ocwen would have reversed the loan mod and called the loan due as they told me they were in the process of doing. 

I need you to confirm that Ocwen is not forcing XXXX to terminate my insurance. Will this action lower my credit score and make it difficult for me to refinance and escape Ocwen? 

Please send me proof that the number of claims exceeds underwriting guidelines. Are those guidelines written by OCWEN to protect Ocwen instead of the home owner 's property? In some conversations with Ocwen employees Ocwen seemed to be indicating that my homeowners insurance belonged to Ocwen, that I pay for it but it is to protect Ocwen 's interests, not mine. 

Thank you. 

Sincerely, XXXX XXXX Cc : DOJ XXXX CFPB

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: WA

Complaint narrative:
OCWEN handles an escrow account to pay state property taxes in addition to my mortgage payments. On a regular basis, they collect more money than needed. In XXXX 2014 I decided to close my escrow account and called their customer service to learn how to do this. On the customer service 's advice, I wrote a letter requesting to close my escrow account. The letter was ignored. Since than, I called OCWEN 's customer service multiple times and sent them several more letters requesting to close my escrow account. The account is still not closed. Among excuses there were statements that the letters were not received or that it was too close to the date when the property tax is to be remitted to the state. I receive a written response only XXXX time after I sent OCWEN the letter by certified mail. In their response they refused closing my escrow account saying again that it was too close to the date when the property tax is to be remitted to the state and suggested that I send them yet another letter. The latter suggestion sounds senseless. Nothing prevents OCWEN from closing my escrow account after the property tax is paid. They already have several letters from me that clearly show my request to close my escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-31 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
Hello, we have bought house back in XXXX, and our loan has adjustable rate. So the original XXXX had transfer us to Ocwen bank. So month ago Ocwen bank sent a notice that our payment will go {$600.00} higher, on XXXX month. So I went and applied for temporary loan modification, until next XXXX. But they now are solicit us with short sale, that was us plan. They are seeing very week about some short sale. In my option is unlawful and XXXX government should take their license away.. They are using some " dude '' from XXXX that have no idea about our law and country. Please help. We have there kids, please help. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
On XX/XX/2017, I phoned Citicard Services regarding paying off my Sears balance. I was asked a series of questions when the agent presented a XXXX month term @ {$100.00} per month at XXXX % interest and asked for my bank routing information. I told her I would think about it and call back in the morning. When I called to let them know I decided to decline their offer pay and the balance on my own terms electing to close the account by me, they told me that I could not get out of the terms the agent quoted me. And, even if I paid the account in full their report to the credit bureau would read that account was closed by the guarantor instead of closed by the consumer. My account is not delinquent and I wish to pay it off and close it on my terms instead of them reporting the negative to the bureau. Please help. Thanks

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 2016-10-04 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: NV

Complaint narrative:
I had already filed the complaint against XXXX where this mortgage first began. My now ex-husband was to take responsibility of the payments of the home since he was still residing in it and he was to get the mortgage out of my name completely. I was informed that XXXX did a modification which they would not supply me paperwork showing I agreed to any changes. Then it was sold to Ocwen Loan Servicing. Again no one at Ocwen will supply the paperwork showing that anyone had the authority to make changes to the original mortgage without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NM

Complaint narrative:
My loan mortgage was purchase by OCWEN and its been the worst ever. Today I got a letter/statement saying my mortgage payment was going from XXXX to XXXX due to Escrow Balances and taxes going up. I called them and all I was told that they were sorry and that they could send me form based on approval to lower my increased by 2 % and I 'm paying 10 %. I wanted a refinance but they would not do that no reason given. I 'm retired and I can not afford any more increase on my mortgage this has been the worst ever. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
Received a escrow overage letter from my lender stating that my new payment would be less. 
I made the new payment in XXXX not realizing the adjusted payment was taking effect in XXXX. 
I paid the shortage ( {$70.00} ) but by then the lender had reported that I was thirty days late. 
Now it shows on my credit report as if I had not made a payment for over thirty days when in fact I had made a payment on time, just with the new amount.

Company response to consumer: Closed with explanation