vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-07 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Meyer & Njus, P.A.
State: IA

Complaint narrative:
On XXXX XXXX, 2016. I received three phone calls at XXXX, XXXX and XXXX. The phone number being called is my work phone number. The voicemail for this number clearly indicates this is a business line. No messages were left, no indication of who or why these calls were being made. I had to place a business conversation on hold and called XXXX at XXXX to ask them to stop. I spoke with someone named XXXX and advised him the calls they were making were interfering with my ability to do my job. XXXX said he understood the importance of being able to work and said he would ensure they calls would stop. The calls did n't stop. The next call I received was at XXXX. I believe this is a direct violation of the TCPA which should result in a penalty paid to me in the amount of {$1500.00} for knowingly violating.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HW Holding, Inc
State: TX

Complaint narrative:
Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I sent a creditor 's validation letter to Hunter Waefield Inc. I had my Personal financial coach speak on my behalf. XXXX XXXX XXXX spoke with Hunter Warfield Inc. The Apartment lease was only two months broken and I sent the letter for them to validate the debt. Accordingly, to the Fair Debt Collection Practice Act a Debt Collection Company has 30 days to validate the debt. In my case my debt was never validated by Hunter Warfield Inc. In this case my debt should be removed from my credit report and out of the office of Hunter Warfield because they do not have the right to collect in the State of Texas. Accordingly, to the State of Texas no debt collector can collect in the state unless they are register by the State of Texas.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: OK

Complaint narrative:
i have a home loan with ocwen in XXXX ocwen started to sand bag my payments not telling as the year goes on i get a notice stating i am behind {$2500.00} buy there attorny i sent the law firm proof i am not behind while waiting to hear back i get another notice saying i oue {$4000.00} i cantacted the lawfirm and sent the proof again come to find out the law firm was fired do to them telling ocwen there wrong now few days lettter i find out XXXX and XXXX payments was sent back to me saying refused by payee now i get another notice says we now owe {$5000.00} and states our payment is over {$850.00} the payment is {$650.00} there and i still sent them there own paper work show we paid they moved the payment there rude on the phone help

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
On XXXX XXXX, 2013 Ocwen Loan Servicing , LLC took over managing my loan accounts on the property I own on XXXX Texas XXXX. 
Since that time they 've been claiming I either did n't make my mortgage payments or I 've been late paying them by one, two or even three months, this have been going on ever since they took over my loan accounts till now, so not only they 've been reporting to all credit reporting companies I 've been late in payment which has resulted in damaging my credit also I.ve been charged additional interest on my loans, because even they receive my payment checks they do n't apply them to my accounts and call the payments suspense payments, they 're still doing the same thing even I 've talk to over XXXX people there about this problem nothing has been done about it till now, that 's why I am complaining about this company and hoping you can help me resolve this problem. 
They even have raised my principal balance on XXXX of my loans by over {$3000.00} that means they 're collecting more interest on my loan. My original loan was {$25000.00} eight years ago now they say my principal balance is {$26000.00} as of today.

Company response to consumer: Closed
Consumer complaint received 2015-10-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MS

Complaint narrative:
Ocwen had sent incorrect information to all the credit reporting agencies XX/XX/XXXX concerning my mortgage. They finally corrected the information. Ocwen stated in a response to complaint # XXXX filed with the CFPB that the XXXX major credit reporting agencies were notified, which included XXXX. By the time Ocwen got the information corrected, XXXX had deleted the entire account. Per a response from XXXX to complaint # XXXX, Ocwen has not verified the corrected info, therefore they will not show Ocwen as a creditor. The XX/XX/XXXX credit report I received from XXXX does not reflect my mortgage information. 
I have tried to get the corrected information on my mortgage added by XXXX. They stated that this information need verification from creditor. Ocwen states they have sent correct information, I have to contact the credit reporting agency. Nothing is been done by Ocwen XXXX, I, the consumer suffer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Computer Credit, Inc.
State: IL

Complaint narrative:
XXXX XXXX did not bill my insurance properly and after numerous attempts my not only me, but my insurance company to resolve the debt, they referred me to collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
I filed a complaint with CFPB a few months ago against Ocwen Loan services, with the CFPB 's help my name and liability was taken off a forged mortgage, I now received a foreclosure letter from XXXX XXXX XXXX XXXX, phone number XXXX, I have letters from Ocwen releasing me from loan and liability, I would like Ocwen contacted immediately about this error, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-19 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
Ocwen loan servicing , LLC bought my mortgage from indymac bank about 5/6 years ago. I had paid the months mortgage to indymac as the Ocwen letter was received mid month of the date of loan sold. My first mortgage, XXXX mortgage statement from Ocwen did not reflect the payment made to indymac. 
I called indymac first to find my payment, the number was directed to Ocwen. I have never been able to contact indymac since before my loan was sold. So I spoke with Ocwen and explained my payment went to indymac and why, I gave them my check number and bank proof payment was made. The response was " sometimes it takes a few. Months to receive, do n't worry about it ''. 
My XXXX statement still reflected XXXX payments due and late fees. I called again. This time no one could give me an answer. 
I fought Ocwen over this payment until I was hospitalized an went through XXXX XXXX..as I was able to regain my strength I started calling again, as I was trying to do a HARP OR HEMP on my loan. 
In XXXX the loan was sold, I had no longer knew where the receipts were as I was not in a position to track them as I had other people cleaning my home as I recovered..yet I had sent proof in the XXXX month.. 
Ocwen has never removed the fees or gave me credit for the payment I made. I can have the bank research the payment and will, at Ocwens expense at this point. 
Ocwen stopped reporting to the XXXX major credit agencies, I was actually able to have XXXX agencie contact Ocwen with me regarding the matter..Ocwen openly stated to the credit agency they only had been servicing my loan for 6 months XX/XX/XXXX. I had years of proof payments were made to Ocwen long long before, such as XX/XX/XXXX, and asked for aa supervisor ... the supervisor stood by the 6 month story even with proof I 'd made years of payments. ..I noticed that none of my payments had been reported for years, yet none were late. I did notice on my year end escrow statements, all my payments were made. I have now started to receive default papers after trying to refinance, but the loan processer was telling me Ocwen was refusing and holding up the HEMP, HARP, I do n't remember which. 
My escrow statements show payments made on time as I mentioned, now my homes value has almost doubled and Ocwen is blocking me from refinancing my home and keeping my credit score from the good points it should receive. 
I did receive a XXXX intrist form from indymac AND last years Ocwen XXXX had a different tax ID number on it. I did n't notice this until reading a fraud story regarding Ocwen. I 'm in an intrist only loan at 7.7 %, trying to get down to a 4.2. % 30 year fixed. 
I can have the bank research the payments and will if need be..but their straight up lying of such things as servicing my loan for 6 moths must end! They openly lied to me and a credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I was charged an incorrect amount of interest by Ocwen when I paid off my mortgage. They received my loan payoff and did n't credit it to my account because they said it was n't the right amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
I am the newly appointed personal representative of the Estate of XXXX XXXX. I petitioned for appointment on behalf of the Estate 's largest creditor ( XXXX XXXX ). The bank started a foreclosure on XXXX/XXXX/2015 and it has lain dormant to date. My research indicates that both the mortgage company and the law firm handling the foreclosure filed bankruptcy, and the law firm does not exist anymore. The Condominium fees accruing since the DOD of the owner exceed {$40000.00} and continue to accrue each month. Now the Court has sent out a Notice that it will dismiss the bank 's foreclosure case for non-prosecution. I am attaching documentation referencing the above. I do n't know if the address I provided for the lender is still good - I obtained it from the recorded refinance DOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: LA

Complaint narrative:
Per case # XXXX, Ocwen sent old false paper work to justify their reason for raising the final pay-out of my loan after they were contacted by XXXX XXXX XXXX. Payment went from XXXX to XXXX. Ocwen was the 2nd Mortg. but they wanted the Insurance to be in their name. each year Ocwen would charge a higher insurance rate in-order to increase the penalty to my account, # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Wells Fargo Bank foreclosed on the home I am a tenant in. Wells Fargo gave conflicting information to me and the other tenants about whether Wells Fargo would settle with us in order for us to move out. First the bank asked us how much it would cost to get us to move, then the bank said " everything is on hold '' because the former owner is suing the bank. Wells Fargo has repeatedly said it would send a representative to the property to discuss the foreclosure with the tenants and give us information, but it has never done so. Wells Fargo is obligated to assume payments for our utilities, which are included in our lease. However, Wells Fargo has never assumed its obligation as the new owner of our home. We have received multiple shutoff notices for the water and electricity. Wells Fargo has refused to return our calls about the utilities or the status of our tenancies. We believe Wells Fargo intends to constructively evict us by allowing the utilities to be shut off. An attorney for Wells Fargo, XXXX XXXX, sent us a confusing notice about our tenancy, but has never returned our calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HW Holding, Inc
State: PA

Complaint narrative:
I received a collection notice from this agency without ever receiving any notice of the claim prior nor validation of the claim such as utility statement. Agency stated no further action would be taken until validation was secured. Posted to credit agency which has cused a denial for apartment rental

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
The HELOC maturity date was XXXX XXXX, 2015. The final payment, based on the payoff quote provided in writing, was sent and credited to the account XXXX XXXX, 2015. The Ocwen website shows {$0.00} balance due however Ocwen continues to call everyday to collect {$28.00}. After numerous attempts to get someone to investigate the final settlement, it has been determined ( have a letter from Ocwen in hand ) that the loan was overpaid and Ocwen owes me {$13.00} ... The debt collectors refuse to take me off their call list. They want ME to write a letter asking to be removed even though it their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Ive been making automatically deducted monthly mortgage payments since my mother died on XXXX XXXX, XXXX. I updated the address in XXXX of XXXX to be XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX and received statements there up until XXXX XXXX. As of XXXX XXXX, Ocwen, stopped taking my auto-payments because the loan was in default without my knowledge as the address was changed by a third party research firm, hired by Ocwen. I was receiving all mail until XXXX XXXX, have the same information, and even have been checking the mail at the property address and nothing has come from Ocwen notifying me of these changes. During this same time, the ARM mortgage as varied since XXXX but I 've not seen any mortgage payment adjustment letters - as I was receiving in the past. Ocwen has put the loan in defualt and on its ' way toward forclosure and have asked that I pay legal fees, etc. to be reinstated but it was their doing in changing the information and I wo n't pay the $ XXXX legal and adminstrative fees they want to reinstate the loan. 
Because of this, I am asking for all related fees to be waived. I will pay for all back-payments that go to the principal and interest but no related fees for hiring this company to change the address, for inspections, etc as the property has went into non-active status without any notification coming to the correct addresses ( property address or original address ). I am asking for you to research this change and validate that the death certificate, Letters of Administration for me, and my current mailing address is what is on file. I am also asking that all fees related by removed and I am provided with the balance due to catch up ( principal and interest unpaid since XXXX XXXX ). I also am at the property address bi-weekly and have not seen any mail from Ocwen in over a year. I see that Ocwen says in the last report they tried to reach out to me but they had my correct address on file and as the mailing date for 12 months prior to Ocwen changing it to XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX. My mom, father ( also deceased as of XXXX XXXX ), myself, and her next of kin have never lived in/nor had a forwarding address anywhere in California. 
They have updated the address, not reinstated the loan and still have an incorrect address ( left an apartment number on the address ) but I am getting mail as of this week. I 've reached out multiple times to the Customer resolution center and talked with an Escalation Manager who refuses to/has not returned my calls over two months of attempts. 
It is clear that this is not a normal occurrence, that misinformation was received, sensible communication channels were not followed in an effective manner. HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NH

Complaint narrative:
I received a discharge in a XXXX XXXX Bankruptcy on XXXX XXXX, 2015. Ocwen filed a response to final cure payment in by Chapter XXXX Bankruptcy case indicating that I was current at the end of my Bankruptcy Case. Ocwen is now asserting that I have an escrow deficiency of approximately {$10000.00}. Ocwen will not provide me any additional information regarding the deficiency ; however, I have always had escrow included within my payments. My taxes and insurance have not increased significantly since my Discharge.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I am XXXX military and after transferring from Maryland I could not sell my house due to its decline in value. I also could not refinance because it was considered an investment home. I requested a modification to make the payments more affordable. I showed financial hardship and for a year was given the runaround by ocwen for them to ultimately deny me the modification. Die to flood damage costs by the tenants and the tenants financial hardship, they were unable to make full payments. I was unableTo repair the home, make the mortgage payment and continue to pay the rent in the home my family of XXXX children currently lives in. I wasLate on the ocwen mortgage for a few months, less than three, during summer of 2014 while I was XXXX to the XXXX XXXX. Ocwen finally granted me a modification once I became delinquent on the payments. I have been current on all payments since XXXXOf 2014 yet ocwen continues to show that I 'm making late payments as recent as XXXX of 2014. This is affecting my ability to even rent a home and keep shelter of my families head because landlords are seeing the in accurate reflection. Ocwen has not positively worked to rectify this problem and I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Ocwen purchased the mortgage on my XXXX condominium a number of years ago. They have been repeatedly sending me letters insisting that my homeowners insurance has lapsed and that I must obtain coverage or they will obtain it for me at my expense. Our homeowners association maintains this insurance, it has not lapsed for the 18 years I have had this mortgage, and I have faxed a copy of the policy to Ocwen three times. They continue to request the proof of insurance, even though I have called to tell them that I have faxed it to them, and now have sent me a letter on XX/XX/XXXX telling me that they have purchased insurance for me from a company named XXXX XXXX XXXX for {$390.00} annually and have added this cost to my mortgage without my consent. I also have individual homeowners insurance which also has not lapsed in 18 years. This is a scam which I have read all about them doing to other homeowners on the internet. I have always paid my mortgage on time and am also buying another home in XXXX with XXXX with no problems with that mortgage. This company is corrupt and needs to be put out of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Threatened to take legal action
Company: Investment Retrievers, Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX an authorized individual to handle the account for a XXXX XXXX XXXX. I spoke to the Collection manager XXXX XXXX which, at the beginning he seemed helpful in trying to resolve a matter, the next day I e-mailed and called him to let him know I got XXXX to commit to a settlement, he then turned and said he ca n't do it and he started saying he would take legal action against XXXX, I tried to warn him he can not use threats and he proceeded to say this is what he does all the time. He violated numerous FDCPA infractions and compensation is warranted for these actions. Collection Managers should never conduct themselves the way he did. I 've contacted his compliant officer and they can not obtain the call recording. They have asked me to provide it for them and they are hoping there is no evidence of this call. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
Ocwen Mortgage reported to the credit bureau that I was 60 days late on my mortgage payment. I made two " additional '' payments. This brings me up to date. Ocwen has refused to update my files. Additionally, they continue to charge a late fee.

Company response to consumer: Closed with explanation