vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-19 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: HW Holding, Inc
State: FL

Complaint narrative:
On XXXX XXXX XXXX Hunter Warfield responded to a complain i filed with the CFPB on XXXX XXXX XXXX ( case number XXXX ). The complaint was filed because while checking my credit report i found and account from this company listed on my file from which i had never received any communication from and when i disputed the account with them they sent me a letter requesting more time. Their response states that they did send me verification when the obtained the account but the documentation they sent to " back up '' their claim shows otherwise. The documentation they sent through the CFPB portal is as follows. Rental application, Move out statement, and their verification letter. Now looking at these documents you can see that the apartment complex noted i gave them notice and moved out on XXXX XXXX XXXX and Hunter Warfield claims they sent me a letter on XX/XX/XXXX..But they did not send it to the address i gave the apartment complex they sent it to the apartment from which i had moved out of over month before they claimed to have sent their verification letter had they sent the letter to my correct address which the apartment complex has this matter would have been taken care of. Now to add insult to injury they have not only increased the original balance from {$2600.00} to {$2800.00} they are not KNOWINGLY reporting the original amount as {$2800.00} on my XXXX, XXXX, and XXXX files. In their response to my original complaint they note tht i must contact XXXX XXXX about this account on XXXX XXXX XXXX i mailed a letter to XXXX to settle this account which was delivered on XXXX XXXX XXXX and i have not received any response.

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

Complaint narrative:
My mortgage company, Ocwen ( insurance dept XXXX ) is requiring a new coverage - condominium unit owner- for my townhome. This coverage, based on Ocwen 's rep is for interior walls of my townhome. I had faxed and uploaded the policy document since last year which included " interior walls-excluding improvements '' coverage. However, now I am being told I need to have " interior walls- with improvements ''. When I inquire where the " with improvements '' requirement is based on, I am told it 's based on Ocwen policy. My current mortgage has been in place for about 10 years and Ocwen is about XXXX company the account has been sold/transfer to. I never signed anything directly with Ocwen nor chose this company. For months I had been stressing, calling Ocwen multiple times, faxing and uploading documents without resolution. Everytime I call I get different response from Ocwen reps varying from the coverage expired, it was never included on the policy. And when I confirmed with the insurance company the interior walls are included on the policy, Ocwen changed their position that it needs to include walls with improvements. I have never done improvements nor plan to do any on my home. Ocwen is threatening to purchase a very costly policy of {$1700.00} for the technicality of adding " interior walls with improvements '' vs. " interior walls excluding improvements ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
I contacted my lender for refinancing, I 'm current, but my interest rate is extremely high, they refused to assist me because I 'm current on my mortgage payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: HW Holding, Inc
State: FL

Complaint narrative:
Hunter Warfield , Inc . 
ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX : ( XXXX ) XXXX Dear XXXX : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you Hunter Warfield XXXX Inc. or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Hunter Warfield XXXX Inc. or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CT

Complaint narrative:
I need a review of the mortgage for fraud they do n't want to give a mortgage they have been asking for the same paperwork over and over again, they want foreclosure, I want to get a modification

Company response to consumer: Closed
Consumer complaint received 2016-07-12 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
XX/XX/XXXX This is my second official complaint against OCWEN. Even though they have been fined, sanctioned or other, they continue to act as bullies, and collection thugs. Either they are taking these actions against me for complaining the first time or they do n't care because the profits are just too great for them to care about the consumer. I have made for the past 6 continuous months payments to Ocwen in amounts greater than the required minimum. This did not stop them from sending false and malicious letters stating that I was in " default '' and that they were going to file for possession. They did not apply additional funds to my account but kept them in a " Un-applied Funds '' category to try and fake that my loan was not in compliance. Further, regular monthly payments to them were not " timed in '' and they ran the " clock '' towards foreclosure for their own profit and without concern of the client 's faithful payments. Lastly, they employ a " debt collection law firm '' here in the XXXX area as a " fake store front ''. Ocwen preports that you as a client can go to this location to speak with Ocwen employees for advice, assistance and help and/or make a personal payment. But the location at XXXX XXXX XXXX XXXX, # XXXX, XXXX, Colorado XXXX is clearly another of the infamous law firms that assisted many of the mortgages companies XX/XX/XXXX-XX/XX/XXXX in defrauding home owners and others leading to the banking/mortgage crisis. Specifically, I was told that my personal payment made at the " fake store front '' ( law firm office ) would be credited that day and I was given a date/stamped copy of the same. Three days later after calling Ocwen 's offices, they had NOT received nor credited my account as promised. I am certain that this is Ocwen policy and done specifically to extract fees, bump up profits and abuse the consumer public. These companies should not be allowed to operate. This is not a " new problem '' but systemic and needs to be corrected. Thank you for your help a second time. XXXX in XXXX, Colorado XX/XX/XXXX

Company response to consumer: Closed
Consumer complaint received 2016-05-12 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I had a XXXX and XXXX mortgage with GMAC in XX/XX/XXXX. I received a modification from GMAC in XX/XX/XXXX and was notified of the new loan balance and payments. I began receiving monthly statements reflecting the agreed upon terms. There was no specific mention to the XXXX not being included in the modification and I never received another statement on that loan. It was my understanding that if had been rolled into the new loan. When GMAC ceased operations my loan was transferred to Ocwen and I began receiving loan statements from them. I asked Ocwen if they were aware of a XXXX loan and was told that they had no record of another loan. For the whole time period since the modification was granted I have never received a statement of any sort indicating that the XXXX loan still existed or what the status of that loan might be. On XXXX XXXX XXXX Ocwen sold/transferred a XXXX trust deed on my property to XXXX XXXX and they immediately filed a Notice of Default with no attempt to contact me. I am now suddenly {$50000.00} in arrears on a loan I could not locate and had no idea who/how to pay over the last XXXX years. I am being forced into default. At any time over the last 6 years did anyone who held this trust deed have a responcibility to notify me, send me statements or in any other way facilitate my repayment of this debt obligation?????? It was my understanding that when a loan is transferred to a different servicer notice is required. My XXXX is and has been paid as agreed and I am now at risk to lose my house to foreclosure. Had GMAC been upfront about the terms of the modification, had Ocwen honestly told me they held the loan, or had I been notified of who and where and what to pay at any time over the last 6 years this would not be happening. I am not attempting to shirk a legitimate debt but feel that numerous parties actions over the last 6 years have not been upfront or with complete transparency. I was not provided the information with which to satisfy my obligations so that others could financially benefit.

Company response to consumer: Closed
Consumer complaint received 2016-07-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
My husband and I were in an active Chapter XXXX Bankruptcy which was discharged on XXXX XXXX, 2015. Shortly thereafter, we started making payments to our mortgage lender, OCWEN ( copy of payment history attached ). We recently started trying to refinance to get away from this lender and found that they are reporting us 90 days past due from XXXX 2015. When I pulled the payment history on their website, I found that they appeared to be putting our payments in a " suspense '' status because they thought we were still in an active bankruptcy, which we were not. I argued and argued with them about this way back when and did not know until now that they reported us past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
I have an ongoing issue with Ocwen Loan Servicing, they allowed a mortgage to be obtained in my name by forgery, they have agreed that this happened, they have released me from the loan and debt, yet it is still showing on my credit reports as an open account. This is preventing me from obtaining a mortgage for myself

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: GA

Complaint narrative:
We received multiple voice mails from Weltman, Weinberg, and Reis regarding a debt they claim we owe and payments they claim we had not paid. We had never heard of that law firm. I called them and they said the account was being handled by XXXX Law Firm. XXXX Law Firm had taken over over our account almost two years ago from XXXX XXXX XXXX XXXX without notifying us and we had been paying them every month as agreed. When XXXX took over the account, they filed a garnishment on our bank account with no notice claiming that we had not been making payments. Our payments were made to XXXX XXXX XXXX XXXX and my checks had cleared my bank every month. I had to hire a lawyer at a cost of {$1000.00} to have the garnishment released. I then called XXXX and they said they had no record of us. I explained that we had been making payments to them and I gave them check numbers. They said they had no record of us. Then I received a letter from Weltman saying that if we did not make payments to them, they may file a garnishment against us. Then I called my attorney to help. He sent Weltman a demand letter stating that we had not been notified that XXXX no longer was handling the account and that we needed verification from them that they had taken over the account and that my checks to them would be properly credited and reconciled to my account. They simply sent an email giving us their mailing address where to send the checks. My attorney billed me {$250.00} for the demand letter. I did not want to have my account garnished again so I sent my checks to them and very clearly stated to them NOT to deposit my checks until they had provided me with verification that the account had been transferred from XXXX to XXXX. I have heard nothing from them and today, my checks cleared my bank. They had deposited my checks despite my very clear instructions not to deposit them until they gave me verification that they were handling the account. Now I am out {$1200.00} in legal fees and I still do not have any documentation or verification from Weltman. I have attached all documentation to support my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-23 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I had tried to pay me credit cards off and found alot of deception in what was advertised and executed. Capital One has a department that is suppose to help customers bring their account current but they offer no help whatsoever. XXXX I tried to enrool in the service and XXXX they either cancelled the payments without me knowing or never took the payment causing for my account to get so behind in payment that my credit had XXXX late payments. Once again the department reached out to me because they would not allow this account to be included in a consolidation account and did not give the company a reason why this account could not be included to be paid off and the payments would be monitored. Even when I paif off the account the Account Manager refused to report the account paid.The account manager 's name is XXXX XXXX. I had to give my last payment to XXXX from that department.The specialty assistance department policy is to not charge any over the limit fees and past due fees but once you dont continue with them they will add the over the limit fees and past due charges. They also dont not age the accounts making it seem like the customer did not payoff the account and they will charge it off in a negative way. Now mine you that this is the department that s suppose to bring you up to current payments!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I had a credit card with Capital one and I paid it off and requested for the negative tradeline be removed from my credit reports since XXXX of 2014 since I have been working with XXXX Law firm and Capital one refuse to comply with my challenges to provide documentation, however Capital One indicated that they have complied and responded to my dispute letter by sending a response to a address I have not live at in years which was XXXX XXXX XXXX, XXXX, Ga XXXX. I never received any reply back from my disputes. I do n't think they even sent a reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
On XXXX XXXX I submitted on a web page to try a product for a trial period. The trial period was 18 days. On Sunday XXXX XXXX ( 18 days later ) I attempted to contact the business to cancel but no one was in the office. I called back on Monday ( XXXX ) but got the answering machine again. I then contacted Capital One ( my credit card merchant ) to get their help. The capital One representative called the business in question only to receive the same message I had gotten that no one was in the office. On Tuesday I contacted Capital One and we talked to a representative from the business in question. The rep advised that I had not canceled in time. She said there would be no refund. I hung up but checked my calendar and realized I had called in time. So Capital One and I called back. We went round and round and finally she offered to refund me half of my money. I told her I was not happy with that but to send it. 
I am writing this because I truly feel that I have been wronged. The trial period started after I made the transaction on the XXXX. 18 days later is Sunday XXXX XXXX. No one was in the office so I could not cancel. No one was in the office on Saturday XXXX XXXX so I was really only given a 16 day trial period. Is n't this fraud? The rep told us that they had reps in the office on Monday but the capital One rep read her notes that proved a call had been made that Monday and that no one was in their office. As I have understood trials like this if it ends on a Saturday or Sunday then the trial is usually extended to the next day that is not a Saturday, Sunday or holiday. The company rep told me I should have just called on Friday. So much for my 18 day trial. Can you help?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Been getting calls from Credit Collection Services from phone no. XXXX trying to collect from unpaid bills from XXXX XXXX XXXX. I do not have subscription from XXXX XXXX XXXX and the person on the phone are demanding, interrogating, and unpolitely harrassing me. He has my phone number and name and some PII. I am a federal employee whose background check information was compromised at OPM..

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: LEXISNEXIS
State: FL

Complaint narrative:
I am continuing to have problems in getting a public record removed from my experian file with XXXX XXXX Clerk XXXX. XXXX continues to claim that they are verifying the Judgement through Lexis Nexis even after I received confirmation fro Lexis Nexis on XXXX XXXX that the Judgement was removed.Please find letter attached. I need lexis nexis to contact XXXX and send them an update of the judgement being removed from my lexis nexis risk file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was told by the creditors customer service representative that as long as I made the minimum payment due that my XXXX credit card accounts would be brought to a current status and would be in good standing. This was a lie when in fact my credit cards were both in a permanently restricted status. No matter how many payments I make towards the debt I will never be able to use my cards again. 

I have been called many times since I became late on payments due to financial hardship and no one ever informed me of this fact. They waited until after I made a payment to bring my accounts " current '' to post on my online account that my cards are permanently restricted. 

I was blindsided and completely mislead. I thought I was going to bring my accounts into good standing when this was not the case. I refuse to be manipulated and lied to into making payments under false hopes and false pretenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I 'm being charged a balance of {$190.00} by Capitol One who says this event occurred in XXXX of 2010, after speaking with them on the phone tonight they said the address they had for when the incident occurred is my current address which is incorrect because i lived at another home at that time and was away at college. They 're offering a lower payment to make this go away quickly but why should i have to pay anything at all when i 'm not the individual who applied for this card and used money off of it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-21 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX claims they sent a letter of validation on XXXX XXXX 2013, i would like for them to send me a copy of said letter. 

Also i need to ask how much they purchased this said debt for from capital one.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2013 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation