vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
I took out an FHA loan on my property when I bought it over 6 years ago. At the time I put down over 20 % of the purchase price. Since my loan was FHA I still needed mortgage insurance. I refinanced 1 year later, and was told that since I had well over 20 % of the value of my property paid I had to wait 5 years and then I could get rid of my mortgage insurance. As of XXXX XXXX, 2015 it will be 5 years. I have been trying to initiate the process of getting rid of my PMI, but the company ( Ocwen ) has not been responding or telling me what to do. They are acting as if they are drawing out the process so that I have to continue paying PMI even though I do not have to. I have already paid my XXXX payment, which means my next statement should not have PMI on it. However, I have sent emails and gotten no response, and I have talked to customer service reps who say there is nothing they can do for me. I believe that Ocwen is purposely attempting to not help me in order to continue collecting money for PMI which I should not have to pay any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-28 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Cooper Hoffman Klein Associates
State: TX

Complaint narrative:
It began when my relatives kept receiving phone calls that I owed to a payday loan company that I never took a loan out on. My relatives gave me the debt collectors contact info, and I returned their phone call. They proceeded to say that they had served me with an affidavit to an address I have never dwelled in, XXXX, and that this was an issue of a loan taking out in XX/XX/XXXX. I checked my bank statement to corroborate their story and I did not receive any fund in the timeframe they are accusing me of. I proceeded to explain this and asked if they could send me a copy of this affidavit, and they proceeded to say they do not bend over backwards for people that did not pay their bills ; than when I preceded to say it was public record, and it should not be that difficult they hung up. About a week later the same company called me this time after my relatives said they would report them. They proceeded to tell me the same song and dance, and I told them it is XX/XX/XXXX the fictitious debt you trying to collect is too old. Than they said you live in this state or this state, and I said neither, than they said where you live, and I said if you have an affidavit for my arrest you should know. Than, I got transferred again I told this individual that I was in the military at the time of this so called payday loan and military members are not allowed to get payday loans, and they said that 's not true, when indeed it is. And I told him if I had a warrant out for my arrest I would not be able to have a job that has a XXXX, which I do. He than proceeded to yell and scream and call me a scumbag that does n't pay my bills, I could n't do anything but laugh because they got caught in their own scheme, and were getting mad at me, then they hung up. I received one more phone call with them stating they have my commanding officer 's information from a base I have not been stationed at for years, and I told them good luck with that, than the hung up on me again.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Qualify for a better loan than offered
Company: First Associates Loan Servicing LLC
State: WA

Complaint narrative:
I believe like i 'm a victim to false advertisement like many of the students fighting for there money back at XXXX XXXX XXXX. I think it was unfair to begin with to be pulled aside during class and told that I did n't qualify for aid so I needed to get private student loans. I have made my complaint with the XXXX about predatory loans, Overly ambitious job placement, and knowing gaining profit from people defaulting on there loans. I feel used, and I think that my life was wasted after so many years not being able to find a career within my degree. I really have no idea why I had to switch to federal, and I think I was to young to even understand at that point. only the threat of not being able to continue my degree.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Original bank sold my mortgage to Ocwen XXXX back in 2013, I 'been trying to get modification ever since, the XXXX time I made payments for three months and after the three months I was denied, next I try short sale for almost a year it was back and forth, finally I tried modification again and got it again, after XXXX payments later they ask for {$650.00} more no explanation, I do not want to lose my house, and it 's almost impossible., they milk the time so the total amount will be grader, do they have the right to do this?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-28 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
We are sending a Notice of Error as noted below. 
On XXXX XXXX, XXXX we requested the loan to be de-escrowed from the account. 
On XXXX XXXX, XXXX the cancellation for the ecrow account was granted. However, as of XXXX XXXX, XXXX we have not received a revised statement on XXXX XXXX, XXXX showing how much we needed to pay monthly that due on in 15 days or a refund because our Escrow was cancelled. 
From our records it shows that the Statute of Limitations has expired for the debt. As required by New York and Federal law, Ocwen Loan Servicing , LLC has not provided a disclosure statement before accepting any payment. Furthermore a disclosure was not provided in the communication accepting our monthly payment. This loan in question is not enforceable as part of the Fair Debt Collection Practices Act On XXXX XXXX, XXXX XXXX XXXX Department received proof of payment we made from XXXX XXXX through XXXX XXXX that was not applied to the account along with proof that Ocwen was servicing the loan in XXXX XXXX. This information in noted on the credit report. 
On XXXX XXXX, XXXX XXXX Securities and Exchange Commission, XXXX XXXX XXXX XXXX XXXX XXXX and Ocwen Loan Servicing LLC received proof of payment we made along showing that payments were accepted by Ocwen that was not applied to the account REQUEST FOR PAYOFF STATEMENT PURSUANT TO 15 U.S.C. $ 1639g of TILA 7 ( seven ) business days to respond Please provide an accurate statement of the total outstanding balance that would be required to satisfy the above obligation in full as of date no later than 7 ( seven ) business days from the date of the letter. This request is also being made in pursuant to 12 C.F.R 1026.36 ( c ) ( 3 ) Regulation Z. Please provide this information within 7 ( seven ) business days We are requesting a Satisfaction of the debt you alleged we owe, Refund from the our monthly overage payments and a A Payoff Request OCWEN LOAN SERVICING , LLC IS IN VIOLATION PURSUANT TO 12 C.R.F 1024.36 of REGULATION X A updated Monthly Statement Refund from the Escrow Account

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Hi, I want to dispute the Credit check. 
I recently opened a new XXXX account. I never applied for credit or filled out any application with my SSN. Ofcourse, I did accept the terms and conditions to open the XXXX account. When I created the account, XXXX forced me to link my bank account to XXXX. I tried to check if I can delete the XXXX credit that I noticed on my XXXX account. But there were no options. I did not suspect that a credit check was run by XXXX because I did not key in my full SSN anywhere, did not fill out an application for line of credit and did not accept anything that prompted my permission to run a credit check. I had been very careful not to apply for any credit to retain good credit. 
Please can you help me to get this credit inquiry removed from my credit account. 

PS - I was asked to select company 's name but XXXX 's name was not in the list. So i selected some random company name in order to submit my complaint. The name of the company this complaint is against is XXXX. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
I have been seeking a loan modification with Ocwen Loan Servicing for months. On XXXX/XXXX/2016 they verbally agreed to a discount payoff agreement. On XXXX/XXXX/2016 they followed up the verbal agreement with a letter stating the terms of the agreement. I called Ocwen back on XX/XX/XXXX@XXXX EST to get clarification on some of the items in the agreement letter only for the Ocwen representative to inform me that we no longer have an agreement. That the loan has been referred to a third party. I was not able to get any information about this third party except a phone number for me to call. 
I will like for Ocwen to honor the agreement we had on XX/XX/XXXX, reinforced by the letter they sent. We have an agreement. This agreement requires me to pay a certain amount and Ocwen will release the deed to the property. The agreement letter also states that 'Ocwen agrees that it shall not transfer any further obligations or rights to pursue further judgeent or deficiencies to a third-party debt collector '. But it seems this is what they have done. 
Please help in persuading Ocwen to abide by the agreement contained in the letter the sent to me on XXXX/XXXX/16

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation

Complaint narrative:
My hardship begain back in 2008. Over the past few years it has been a very difficult struggle.Due to these circumstances ; I 'm now on a fixed income. As a result of me now being on this fixed income I have no savings and all of my bills are now deliquest with the exception of my mortgage. I 'm so afraid to llose my home. My XXXX income is only {$XXXX}. My monthly mortgage payment is {$1400.00} and from that amt., only {$170.00} is being applied towards the principal. Without assistnace from my family member 's I would not be able to save my home. The Lender has denied the loan. I trulu need assistance. I have no place to go at this point in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HW Holding, Inc
State: FL

Complaint narrative:
we moved out of an apartment, we were refused walk through and billed for damages without any kind of proof, they also said we did not pay a security deposit which we have a cancelled check proving we did

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called outside of 8am-9pm
Company: HW Holding, Inc
State: FL

Complaint narrative:
This company called my personal cell phone at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 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: MA

Complaint narrative:
I have asked repeatedly to have this item removed from my credit reports. It has not been, other than verified and it does not belong to me, nor have I received any correct documentation that it does. When I called the number they harassed me and would not answer my questions other that repetitively asking me to pay the debt that does not belong to me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: HW Holding, Inc
State: TX

Complaint narrative:
When I was called on the XXXX/XXXX/15 I informed the collector that I was aware of the debt, but that the due date for payment was not until XXXX/XXXX/15 and that I had written confirmation from the original owner of the debt ( this resulted from charges following vacating an apartment ). I also told them that I would pay the original creditor on or before the due date provided to me and requested that they not call me. I received a second attempt to collect a " debt '' today XXXX/XXXX/15 for a debt not even due yet. 

I have written information from the original creditor that specifies a due date that has not yet passed. 

I requested not to be contacted in my original conversation on the XXXX of XXXX. 

This debt can not be valid because the date payment is due has not passed. 

When I explained these things my call was terminated without notice and no resolution was given.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
It appears as through Ocwen Loans Servicing, LLC are going around in circles and not coming to an amicable resolution to this issue that has affected our property. 

This is in response to a recent letter sent through the CFPB Portal stating " Additionally as Ocwen did not service the account prior to XXXX XXXX, we have no record of establishing a credit tradeline prior to that date. You have indicated your credit report shows Ocwen established a credit tradeline prior to XXXX XXXX, however you have not supplied a copy of their credit report to Ocwen so that this claim can be investigated. To have this issue research further please provide a full current ( within 90 days ) of your credit report directly to me. ". 
Please note that a copy of the credit report dated XXXX XXXX, XXXX at XXXX was generated and sent to Ocwen by certified mail, through the Consumer Financial Protection Bureau and XXXX XXXX, XXXX, the XXXX Department of Finance legal division, Securities and Exchange Commission and XXXX XXXX XXXX XXXX Trustee on XXXX XXXX, XXXX along with all supporting financial documentation. 
After careful review of the Corporate Assignment filed on the property located at XXXX XXXX XXXX, we have discovered that the Power of Attorney Document Reference XXXX giving you Limited POA ( Power of Attorney ) is based on LOAN NUMBER XXXX which is not the loan for the property XXXX XXXX XXXX XXXX, NY XXXX. The recording was done in error The alleged loan number for the property is XXXX. I 'm also including a statement for your reference. 
Ocwen Loan Servicing LLC has requested XXXX XXXX XXXX to record the Corporate Assignment to validate their reason on collecting payments prior to securitizing the loan for XXXX XXXX XXXX XXXX XXXX XXXX and have not applied {$48000.00} of payments towards the property from XXXX XXXX - XXXX XXXX in the past 17 years. 

A complaint will be filed against the Notary, XXXX XXXX XXXX in the Executive Governors Office in Florida for his errors and omission by not validating the reference document. 

Furthermore Ocwen has not retracted the XXXX that has been recorded. Per the real estate records division, Ocwen Loan Servicing , LLC can only rescind the Power of Attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07 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:
Hunter Warfield is representing an XXXX that I visited and i was told i was DENIED the day of MOVE IN after signing the lease.I was assured the lease was not VALID. There was a computer error and they claimed I did not make enough money. I was short XXXX of the XXXX financial qualification. Years later I see this apartment community on my credit file. I was told by the credit bureau to submit the affidavit because the manager claimed the unit was rented and someone lived there under my name. I have mailed and faxed a idenity theft affidavit, A third party company named XXXX has also sent information to validate said information. I have sent my photo ID upon request and now they are using it as if they had it from the beginning.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I have a home mortgage with ocwen loan services llc. I make my payments with no problems they are always on time and even early. they keep sending my payments back and not any reason with it. now i have received notice telling me i am 351 days past due and threatening to take my home away. i have all my checks that have been sent out. my husband is a XXXX XXXX veteran who has passed away. i maintain all payments for the estate of my husband. i have had help from other friends and been told this company is XXXX that is into stealing seniors homes by not taking their payments to force a foreclosure on the home. as a XXXX veterans wife i feel that i should be able to get help quickly before they force me out on to the street. i am XXXX yrs old and have several XXXX issues and can not keep going through this stress i am also contacting the governor of Florida for his support in this matter. please can you help me to save my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
Ocwen On my credit report it shows XXXX 30 days late, XXXX XXXX and XXXX XXXX. The funds was sent on XXXX XXXX, XXXX from XXXX, and Ocwen claims they did not received it until XXXX XXXX, XXXX. They also stated that the payment was in the month of XXXX XXXX, XXXX, and I was considered late. From my understating of the law I had 30 days to make this payment, and it does not matter if it was in the same month. It was due on XXXX XXXX, XXXX, and add 30 days on top of that would make it XXXX XXXX, XXXX. For the month of XXXX XXXX. XXXX XXXX from Ombudsman stated in a letter in paragraph XXXX if I could show proof that the funds were processed by my bank and received by Ocwen on XXXX XXXX, XXXX he will change the 30 days late. I as well as other people sent him copies of proof of payment that showed it was process and accepted on XXXX XXXX, XXXX at XXXX. He is not a man of his word. I would like these two months to be changed to OK on my credit report. If there is another investigation I want someone else other than XXXX XXXX to look at my case. I believe that this man not to be trust worthy, and I have a right for another person who has not looked at my case to investigate if it comes down to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26 00:00:00
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
XX/XX/2015 received a call at XXXXXXXXXX/XX/2015 received a call at XXXX, XXXX,XXXX,XXXXXXXXXX/XX/2015 received a call at XXXX XXXX, and XXXXXXXXAll calls were received from Ocwen financial about my mortgage payment . My payment is due on the XXXX of every month, however it is not considered late until the XXXX of the next month. This is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Thank you CFPB! I finally received the documents of the transactions that I have requested from my mom 's mortgage company - Ocwen Financial Services since my last complaint through the help of CFPB case # XXXX. I am seeing a lot of charges for Attorney Fees and other charges. I would like a detailed written account of each transaction of the fees assessed to help me understand why my mom was charged over XXXX charges in fees, XXXX charges in attorney fees and XXXX certified mail charges during the life of the loan with them. Some of those charges occurred multiple times during the same date. I would like the date of the charge and an explanation of how it was assessed. I would like to receive this information within a week 's time. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09 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:
I have requested verification and validation from this company and they refuse to provide it to me. I sent them a certified letter requesting this information. They have no provided to me in a timely manner. This is my formal and last request for this information. You can email this information or mail. My email is XXXXXXXXXXXX and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Last XXXX of my ssn are XXXX and my date of birth is XXXX. This information needs to be removed off of my credit since you can not comply with the law. I will file a suit against your company if needed to protect my rights. I also see that you are based out of XXXX.. Are you bonded to collect in my state?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation