vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: HW Holding, Inc
State: MD

Complaint narrative:
After sending a letter to Hunter Warfield requesting validation of a debt that was placed on my credit report, they have failed to respond after numerous attempts to contact them. This debt was satisfied to the original creditor XX/XX/2015.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
After a recent divorce, I am under court order to sell the marital home or refinance entirely in my name. Because the property is currently worth {$50000.00} less than we owe on it refinancing is out of the question and a short sale is necessary. Let me be clear, as of this date I am current on my payments. My ex-husband and I have worked hard to meet our financial obligations and to minimize the disruptions to our children 's lives brought on by the divorce. At this time it is necessary to sell our home. We are no longer economically able to continue to support this debt and are trying to be as responsible as possible in resolving the sale of our property. We have an offer to purchase our home that we have submitted to the bank. Ocwen has drug their feet throughout the entire process. I have had to submit documents multiple times. I have received conflicting and inaccurate information about what documents have been received and which are still required. Every time I have sent them the documents they have requested they come back and ask for another XXXX or ask me to resend what I have already submitted. My offer has been with Ocwen for weeks and has yet to be submitted tot their " Investor, " in my case XXXX XXXX. I feel because we are not in default they have no incentive whatsoever to work to resolve our case. Their " Relationship Managers '' have XXXX authority to answer any meaningful questions about what will happen with my loan. All they can do is collect my documents, and they do n't even do that efficiently, and send them on to " their investor. '' XXXX can not escalate to a supervisor or file a complaint in any fashion. There is no way to contact or speak with the mythical " Investor. '' It has been the highest, broadest, thickest stone wall I have ever encountered in my experience as a consumer. There is no recourse whatsoever. This is a government regulated industry where banks operate with impunity at obscene profit. I have little hope that this forum will offer any assistance but I have made an attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
I have been forced into foreclosure due to unwillingness of my lender, Ocwen Financial to modify my loan. I was only two months behind on my rent and was not allowed to make payments due that everything had to go through a relationship counselor by appointment only. The past due amount kept getting pushed higher and higher, and in spite of my attempts to catch up and communication with anyone in customer service ( XXXX % of whom are non-english or broken english speakers ) communication was EXTREMELY difficult. Each person disseminated different information. I was bombarded with paper work that i could n't understand. I am now 11 months overdue and am selling my house to resolve the matter! All this could have been avoided if there was willingness to work together and communicate. Even though I was laid off 6 years ago from my job and have been working XXXX-XXXX jobs to make up the income -- there was NO willingness from them to modify AT ALL. I have XXXX kids to feed and provide for -- I 'm done fighting for my home and not sure what the future holds for us!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HW Holding, Inc
State: TX

Complaint narrative:
I am unsure as to who this company is. This company contacted my mother and never contacted me. They contacted her on her cell phone and I have reviewed all of my records and have never received any correspondence from this company. Where is the VOD or validation of debt, if any. I do not know who they are collecting for and at this point the representative XXXX XXXX and her company Hunter Warfield are in clear violation. I am requesting this company cease and desist. They should only be using location information if they are unable to reach me, which they have not tried. I am unsure of what the antics are, I have read a lot on this company but this is my final attempt to get them to cease communication and to close any files they have as I am getting my lawyer involved.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
I became XXXX XXXX/XXXX/2016, was out of work and underwater with my mortgage so contacted Ocwen for assistance with HARP program, told do n't have that but will help me with HEMP. I advised Ocwen I was getting help from peers paying my mortgage so my credit score would not be affected, I provided all requested documents. During loan modification XXXX 2016-XXXX 2016 I experienced extreme frustration to get assistance.I was expected to provide documents in short periods, wait for followup calls, then asked to resubmit the same documents, sometimes more than once. I provided all documents requested. In XXXX 2016 Ocwen advised my modification was denied due to " I paid my mortgage on time, can only be approved once my mortgage is 6 mts late. However being 6 mts late does not guarantee approval ''. I have been misled by Ocwen and believe their process is not clear. I am aware Ocwen calls are recorded, which will show how I was misled. On further discussions with other lenders i was advise Ocwen does have the HARP program and should have assisted me. As of today XXXX/XXXX/16 I am still with Ocwen underwater with the mortgage, keep getting late fees and no assistance from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: WV

Complaint narrative:
I found a deal on craigslist for a vehicle and and contacted the supposed seller. She ( or whoever ) sent me a text message asking for my email address so they could send me more info and pics on the vehicle. I did. She sent me info and a link to pics of the vehicle. She then told me she was in the military and that she needed to sell her vehicle asap. She said she was using XXXX as a third party so everything would be covered. I stayed in contact with her until I did the money gram and then she would n't reply to my emails. Also I got the invoice from XXXX and thats where the info to wire the money was at. I figured out it was a scam when I received an XXXX invoice for another vehicle but did n't have my name on it. It was being sold to another person. The address was the same for the seller but different names. Also I contacted XXXX and they have no record and do not sell vehicles, but I did report all the info on the names and supposed people invovled. My money was wire to XXXX state but picked up in another and I do n't understand that. I would love to get my money back but I know that wo n't happen but I would also like for this not to happen to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
ZOMBIE TITLE Ocwen/Property Tax Liens City of XXXX XXXX XXXX XXXX XXXX Pa Hud was the undersigned of above property XX/XX/XXXX-XX/XX/XXXX They sold homes to Ocwen. From XX/XX/XXXX-XX/XX/XXXX Ocwen wanted to foreclose. Ocwen lost 6 months of mortgage payment cashed the checks but never credited the account. We fell one month behind. Ocwen wanted 2 months then XXXX % of the balance of the mortgage in only 4 months Unserved court dockets led to XXXX judgement ( XX/XX/XXXX ) House went to sheriff sale 3 times XXXX and No Sale! When home was purchased XX/XX/XXXX HUD Inspected. And failed to release information of settlement damage report XXXX XXXX & I XXXX Row house was build on creek and filled with debris from past property XXXX. My husband myself and XXXX minor children moved out XX/XX/XXXX when Ocwens lawyer issued document of eviction. HUD stated Ocwen was foreclosing to move out. XX/XX/XXXX Ocwen sent a realtor to collect keys sign paper to exit cleaned home Payment was {$500.00}. Also locks were changed and property appraised Damage from settlement was {$35000.00} on a {$29000.00} loan Ocwen boarded up home XXXX Never transferred the deed/title on the property. Squatters moved in XX/XX/XXXX used our names lived there XXXX House was stripped of all metals pipes wall busted out to get the pipes. Major ID Theft case to date from squatters. Home deemed unsafe risk of collapse XX/XX/XXXX was demolished XX/XX/XXXX City of XXXX has 16yrs of unpaid property taxes on " Zombie Title '' I found XXXX liens on city of XXXX court site. All signed by administrated Judge that was my x-fired lawyer due to misrepresentation and conflict of interest. We lost everything and are XXXX living with my XXXXyr old Mother. Property is vacant land! It did n't sell in sheriff sale when it had a home on it! Taxes are over {$22000.00} with some years showing errors in which the tax penalty is {$200.00} more then the orginal taxes! No lawyer wanted this case! Most likely due to my x lawyer being a Judge Now he is a PA State Supreme newly elected Judge City of XXXX lost all documents on property

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Server did not pay my escrow flood insurance when it was due. Now it is lapsed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I submitted a request for assumption back in mid XXXX XXXX. I confirmed reciept with Ocwen and I also called to verify that they had a complete package and they said they did. I also followed up on several occassions being advised that I would receive an answer shortly. It has been over two months since I submitted my complete package and today XXXX XXXX XXXX I received a call from XXXX XXXX at Ocwen advising that he needs all updated information and also he requested 2 new items a XXXX and an HOA statement. I advised that these were not requested initially and its now 2 months later and they are asking for new items? Ocwen promptly cashed my check for the assumption and today I am told that my file has not even been sent to underwriting at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: NV

Complaint narrative:
I have several problems to report with Ocwen Loan Servicing : I was laid off XX/XX/XXXX. I got in touch with Ocwen and applied for Mortgage assistance. After reviewing my application, Ocwen recommended a Trial modification forbearance plan, whereby my mortgage payments would be reduced to {$600.00}, due on the XXXX of the month, beginning XX/XX/XXXX and ending on XX/XX/XXXX. I made all payments on time as agreed to by Ocwen and myself. This program was recommended and sanctioned by Ocwen, yet they reported these payments as being late to XXXX, XXXX, XXXX, and XXXX credit agencies. Rather than offering a helpful solution, Ocwen has done long term damage to my credit rating. I am still working with credit agencies and Ocwen to resolve this dispute. 

I have not been able to find work in my field so I reapplied for a Loan Modification through Ocwen on XX/XX/XXXX. I meet the following eligibility requirements for HAMP loan modification : XXXX lien -Loan originated before XX/XX/XXXX -Primary residence -Property is XXXX unit and principal is below {$720000.00} -No previous HAMP modification -Payments exceed XXXX % of monthly income -The only criterion I do not meet is that the loan is not delinquent, however, considering my situation loan default is reasonably foreseeable. 

Ocwen called me on Friday, XX/XX/XXXX to tell me my application for assistance was denied. When I asked why I was denied, the caller said, " because the account is n't delinquent. '' I asked for more information or alternatives and was offered none. I have not received detailed information on why my application was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I previously owned property which carried two mortgages. The property went into foreclosure and was sold. OCWEN was the holder of the second mortgage. OCWEN is showing a " charge off status '' on the property, which is reflected on my credit, continuing to severely damage my credit. OCWEN has advised that they require a copy of the " Trustee 's Deed Upon Sale dated XX/XX/XXXX '' and that OCWEN never received one. My Attorney has forwarded the document to OCWEN multiple times, beginning on XX/XX/XXXX, but OCWEN has not acknowledged receipt nor advised my Attorney or me, that the " charge off status '' on my credit report has been removed and my credit amended to reflect the XX/XX/XXXX date.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I have been informed from Ocwen 's Ombudsman office that Ocwen 's legal counsel, XXXX XXXX, has advised Ocwen not to speak to me about my account. I have filed complaints against Ocwen through the CFPB portal because of servicing misconduct and fraudulent activities that are being used to wrongfully foreclose on our primary residence. The Consumer Account Analyst, XXXX XXXX, from the Ombudsman office stated in one of her responses to my complaint, that I could call her if I had any questions regarding her response to my compliant. When I called to speak to her, she advised me she was unable to speak to me regarding my account and she has failed to thoroughly research my complaints and concerns regarding the fraudulent documents produced to wrongfully foreclosure on our primary residence. She just simply attaches a response from their legal counsel from XXXX XXXX, XXXX instead of thoroughly researching my complaint as she claims to do. In her last response to my latest complaint filed, she has directed me to address any questions or concerns regarding my account to XXXX XXXX. I am not really sure how this firm can address the concerns raised when XXXX XXXX is the reason behind my concerns. XXXX XXXX is the firm that produced to us an allonge in XX/XX/XXXX that was unstamped during the discovery phase of our lawsuit. Then XXXX XXXX provided a stamped allonge months later. XXXX XXXX is also making a false claim that I was presented with the original loan documents during my deposition and did not deny that it contained my signature. That statement is absolutely false. I stated in my deposition that the signature appeared to be computer generated and did not appear to be my original signature. The attorney for XXXX XXXX continued to badger me when I made this statement and was trying to force me to admit to it being my signature. We filed a lawsuit against XXXX in XXXX XXXX because of their servicing misconduct activities being done against our primary property. This lawsuit is now closed and Ocwen should be able to speak to me directly involving any unresolved issues or concerns I have about my account. My relationship manager, XXXX, XXXX XXXX, has also advised me that he is unable to discuss my account with me. As part of the Ocwen National Servicing Settlement Agreement, I am to be assigned a single point of contact. What is the point of having a single point of contact to ask questions about my account, when they have been unable to speak to me about my account?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Deutsche bank has given me problems every month with my mortgage payments. XXXX XXXX deutsche bank began to return my mortagage payments and has file suit to foreclose my house. In return I have filed suit against deutsche bank to prevent them from foreclosure on my home. I have always paid deutsche bank on the first of every month with a personal check via USPS Certified Mail with Return slip option. deutsche since approx. XXXX has repeatedly held each monthly check past the grace period of the XXXX of each month so that they can turn around and charge late fees and penalties. They have also held my checks and randomly notified me that my checks did not clear my bank as a strategy to place me in default. I have checked with my bank when I was notified by deutsche that my check did not clear, and was told by my bank that deustche never submitted my check for clearing. I have tried in numerous occasions to remedy this problem that deutsche is creating and they have never tried to work with me. deustche bank also sent me their audit of my account back in XXXX showing proof of my mortgage payments and they themselves denied my proof. I have tried to seek shelter from bankruptcy and the judge discontinued my claim. I am XXXX years old and a veteran of the XXXX of 32 years 8 months and 11 days of service and it is apparent that desustche bank has made me their target. I have proof of all the USPS return slips with their signature that they received my mortgage payments. They are trying to take my house away because they do n't want to admit their errors. deutsche has run down my credit score in the process of not accepting my monthly mortgage payments. This is a reach but I feel through their actions against me that deutsche bank may be discriminating against my last name and discriminating against U.S. military veterans. My attorney is in possession of all my records relating to this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 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: Duncan Solutions, lnc.
State: PA

Complaint narrative:
I accidentally drove through the XXXX on the PA turnpike. They billed me for the full length of the turnpike. I called Nd told them I still had the ticket. The woman instructed me to mail in the ticket with a money order for XXXX . I did this XX/XX/XXXX. I know this because I have a photograph of all of the paperwork before I sealed it and dropped it in the mailbox. XXXX, I recieved a notice from a collection agency for XXXX . For failure to pay the pa tp. I called XXXX to see if the money order had been cashed, it had not. I honestly do n't know what to do at this point. I 've spent years trying to fix my credit. I feel powerless.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 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:
re : Hunter Warfield account XXXX Currently, Hunter Warfield is attempting to collect a debt in which it claims {$570.00} is owed to an apartment complex called XXXX XXXX. 

More than five years ago, I moved out of XXXX XXXX. There were substantial issues with the management of the complex, to say the least. Among other issues, there was a murder at the complex XXXX which certainly did not make me feel safe having my wife and children live there, to say the least. 

Most direclty, the woman who was employed by XXXX XXXX as the complex manager at that point ( 2012 ) specifically told me that my account with XXXX XXXX was paid, settled, and nothing further was due. It has since come to my attention that this ( now ) ex-employee was later arrested and convicted of fraud, involving her use of other people 's Social Security Numbers to fraudulently obtain goods and credit. 

I have disputed this debt multiple times to the various consumer credit bureaus Hunter Warfield is reporting it as an " unpaid collection '' to, but each time, Hunter Warfield confirms the debt is " accurate '' and instructs the bureau to continue to report it. 

I have no legitimate debt owed to XXXX XXXX. Collection activity should stop and whatever information reported to my credit should be deleted.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
PART 1024 -- REAL ESTATE SETTLEMENT PROCEDURES ACT ( REGULATION X ) Subpart C -- Mortgage Servicing CFR 1024.38 ( b ) ( i ) ( ii ) ( iii ) ( iv ) ( v ) Robo-signing is illegal and has been outlawed in the State of New York. 
I discovered the Assignment of Mortgage on my loan being used to establish ownership was robo-signed by serial robo-signers XXXX XXXX, XXXX XXXX and XXXX XXXX. 
XXXX XXXX XXXX, XXXX publicly went out of business in XXXX XXXX, XXXX. 
XXXX XXXX XXXX, XXXX, was not in business on XXXX XXXX, XXXX and did not exist on XXXX XXXX, XXXX when the Assignment of Mortgage was recorded and filed in XXXX County Clerk 's Office.

Company response to consumer: Closed with explanation