BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-03-26
Company: HW Holding, Inc
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08
Company: M&T BANK CORPORATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company advised me XX/XX/XXXX that it would suspend all collection and interest activity due to me having experienced a home fire and the home not being habitable. Since XXXX MT Bank has held funds in excess of {$89000.00} and is aware of my intent to payoff the principal balance due, especially since they had failed to cease collection, interest and unlawful escrow practices. I spoke with a supervisor XX/XX/XXXX who assured me that all erroneous interest and escrow balances that have increased the amount due since XX/XX/XXXX would corrected, removed and my payoff balance adjusted accordingly. The deadline she gave me has passed and no thorough investigation or ownership of my unique situation has occurred. I have spoken continuously with representatives from MT Bank, and kept logs of all correspondence since XX/XX/XXXX, and have constantly received confusing and incorrect information regarding my intent to pay off the principal loan balance of {$68000.00} as reported on my credit file and have the difference of my withheld funds in the amount of {$21000.00} returned to me. Currently they remain in violation of the Act and continue to hold my funds unlawfully with no interest accruing in my favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
For over seven years I have had been requesting why the mortgage servicing company would show a past due on my monthly statement. Each time I would get a form letter stating that I would get a response within XXXX days - NEVER got any additional response. It was easier to change the servicing companies - XXXX, XXXX, XXXX XXXX XXXX, XXXX and Ocwen in XXXX years. During that period the servicing companies made payments for insurance and taxes before the due date ( my on time payments were returned as the bill had already been paid ) - I DID NOT ESCROW, I paid myself. I believe that there actions were in an attempt to build a reason to foreclose. In XX/XX/XXXX XXXX XXXX ( law firm in XXXX ) got involved. I provided copies of my requests for a detailed statement with explanation of what I owed. FINNALLY - a letter from XXXX of XXXX/XXXX/XXXX provided a statement.. I provided copies of the cleared checks and copies of the checks returned by the servicing company accounting for all the months on the statement up to the time ( XXXX/XXXX/XXXX when I stopped making payments as they were just returned. I also included proof of payments for insurance and taxes ( with letter from Tax commissioner when my payment was received after the mortgage company had paid, although I PAID ON TIME ). I Itemized what was due ( taxes and monthly interest payments since they began to return my checks ) and offered to pay in full {$34000.00} the total amount due through XX/XX/XXXX. I have NOT received a response. There efforts are to get the court to put my loan in default and foreclose. During the last months I have receive a stack of documents the lawyer has sent to the court. I have responded to the court each time providing the background as I am now doing. 
I believe the actions not taken to resolve and taken in a effort to foreclose is a crime against a senior.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: HW Holding, Inc
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
When I lived at a residence in XXXX during my time at XXXX, we leased from XXXX. When I moved out, I spoke with the rep who said we did n't need to do anything else, but they kept the security deposit due to a need for cleaning/paint. They gave me a final bill that stated our balance was " {$0.00} ''. Fast forward about a year, and I started getting calls from Hunter Warfield/ collections agencies saying that I owed XXXX over $ XXXX for " new paint '', despite the fact that they kept the security deposit already for this, and had provided me with a {$0.00} final balance statement. 

Whenever I tried to contact XXXX to correct this mistake, they refused to take my call, nobody was ever at their office, and they began blocking my calls. However, every time I confirmed the situation with the collection agency ( who said they would close the case ), a few months would go by and someone else would call again, saying XXXX refuses to drop the case. 

Most recently, I have looked up XXXX and they have been shut down, and they were discredited by the XXXX and removed from the site for failing to comply to necessary standards.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03
Company: Ocwen Financial Corporation
State: UT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I became aware that my mortgage had been sold to another company when I got a letter form Ocwen mortgage services dated XXXX XXXX, 2015. We closed on home XXXX XXXX with a first payment due on XXXX XXXX. On XXXX XXXX I received a letter form Ocwen saying my hazard insurance had expired and they were planning on buying insurance for me. In my state you ca n't close on a mortgage loan with out home insurance. I called the people we got our loan from and they said that information was included when the loan was transferred but they would go ahead and again verify that we had insurance on the house. On XXXX XXXX, 2015 I received and account statement that said my first payment was due on XXXX XXXX but the amount due was {$910.00} which was {$400.00} more than the amount on our closing papers. two days later I got a phone call from Ocwen asking me to verify my account by giving her the last 4 digits of my social security number which I refused to do. She then said I could verify my account by giving her information from the account statement. I gave her the property address and the amount due and she told me that was incorrect. I ask how that could be incorrect since I was reading it from the account statement I had just received from Ocwen. 
She again repeated that it was incorrect and that I could verify my account by giving her the last 4 digits of my SS # and that is where the conversation ended. On XXXX XXXX, 2015 I received another account state form Ocwen with the correct information but I have never been asked to verify any thing since that first statement. On XXXX Ocwen sent me a privacy statement saying they sometimes share information with other financial companies. My unofficial count of companies having my information is about 8 right now. 
On XXXX XXXX, 2015 I received a letter from XXXX XXXX saying they had purchased our mortgage on XXXX XXXX, 2015 but they were now selling it to Homeward Residential and that I should make my payments to them. If I sent payments to XXXX they would be refused. I have never received any payment information form Homeward so where do I send payments for my loan. If I ca n't make a payment on the loan I will be in default and that will lead to foreclosure. I just applied for a home equity loan so I can pay off who ever has the loan but it now seems nobody wants to claim it at least not until I have missed some payments and then I expect Ocwen to inform me that I am late on my payments and they are going to start the foreclosure process

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Greetings CFPB my family and i experienced a deadly ef-4 tornado in XXXX Tx. 
we are underinsured as it stands aside from this traumatic experience our insurance cp paid a moderate amt barely to cover our roof and interior damage, the check was made to both Ocwen loans and myself, Ocwen has send XXXX of the check, the check was for XXXX Ocwen send less than XXXX, and is playing games stating that i will receive a call in 3-5 business days, this is not only deceptive it is a blatant lie they are trying to keep the money, i was misled to believe if i paid the XXXX which i have XXXX to be precise this is hurting my family we lost alot of our contents which we dont have coverage we had a minimum fire policy which did cover wind thank XXXX but we are suffering and Ocwen appears to have done this to other consumers click this link after you read the paragraph of a consumer to the far upper right click comments i found other consumers are told the same thing misleading them to believe they will be called for an inspection in " 3-5 '' days it is a lie in fact i will request phone records as i have not received a single call from Ocwen for an inspection see link : XXXX please see the devastation in this video a pastor recorded of me and my husband this tornado is devastating we dont have any other means to repair our home as i am XXXX, Ocwen should release the funds i have faxed proof they were sent copies of the Cashiers check where i paid the contractor in full. 
please help me i am devastated, Respectfully XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have received a past due notice on my mortgage from, Ocwen mortgage loan XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. 
My Bank, XXXX XXXX, sends my payment automatically at the beginning of each month between the XXXX and the XXXX. 
My XXXX XXXX payment was sent on XX/XX/XXXX. Ocwen has not cashed it yet. I called and talked with XXXX, customer service number XXXX. He insinuated my Bank was at fault because they are the senders. 
I had the same problem XX/XX/XXXX with Ocwen and I wrote a complaint you people because of a similar complaint in XXXX of XXXX with Ocwen. The difference in XX/XX/XXXX the mortgage payment was sent on XX/XX/XXXX and cashed on XX/XX/XXXX by Ocwen causing a late fee. XXXX and XXXX were resolved pursuant to a complaint made to your agency in XX/XX/XXXX, except for an erroneous late fee they keep sticking on my bill, which I was told would be taken care of, but never was. I do n't know what happens in XX/XX/XXXX, at Ocwen. The other 11 months seem to work sort of, the only problem that continues is an arbitrary late fee that appears from nowhere. This situation is getting extremely aggravating. I have through my bank very detailed documentation if needed. I hope this can be taken care of permanently at this level. I thank you for your past help and your patience for doing this line of work.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We are fighting to keep our home. I sent in a QWR and OCWEN in return just made a document dump and sent me a box with thousands of documents ... there is no way of understanding what document goes with what question, hence I feel OCWEN is not in compliance with RESPA. Below is what I sent to them to comply. 
Best regards. 
XXXX XXXX Attn : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX Loan Number : XXXX Ocwen Loan Servicing , LLC Lady and Gentleman. 

I received on XX/XX/2016 the box of documents that the Research department provided from my request through the Qualified Written Request to you dated XX/XX/2016. After going through the documents you provided and trying to match them up with the specific questions asked in the QWR, it is clear that all that was done, on your end wasa document dump of everything inthe file for this property.There is no way that any person could verify questions in the QWR to specific documents that you provided and I find that you are not in compliance in spirit or deed with the Real Estate Settlement Procedures Act, 12 U.S.C. Section 2605 ( e ). 

What I require is, you to take question by question in the QWR and match a document to each question you believe reflects it 's answer. You will have to make a " KEY '' like " A1, A2, A3, A4 and match question to document so one can understand what you are communicating. 

We have a lot at stake here, so lets at least be professional about it. 
Best regards. 
... ... ... ... ... ... ... ... ..XXXX XXXX XXXXXXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My complaint involves Ocwen Loan Servicing , LLC . The lenders payment grace period is the XXXX of the month. Due to recent Strike with my company I made my payment in full with late fee on the XXXX of the month, and only 6 days after the grace period I received a Remittance Information from Ocwen threatening to foreclose on my property if I did not bring my account to current. This may all be perfectly legal documentation but how fair is it for a company to send a threatening foreclosure statement when most statements of this sort are not even sent out until a homeowner has MISSED TWO PAYMENTS! I tried contacting Ocwen and they sent a document claiming that they are within their rights to send the form when payments are late. My complaint is that I feel their practices are shady, and they have late notices which appear to be misleading and unjustified, especially for homeowners like myself who are up to date on their current mortgage payments. I have n't MISSED a month before but I am concerned that whenever the time comes when I am late by a month, ( say during my current unemployment, that this company will throw me into Foreclosure before the two month grace period.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I AM ATTEMPTING TO GET MORTGAGE ASSISTANCE BUT MY SERVICER, OCWEN, IS NOT ACTING IN A REASONABLE MANNER. I WAS DENIED FOR ASSISTANCE IN XXXX WHEN OCWEN FALSIFIED THE VALUE AND CLAIMED THAT BECAUSE I HAVE EQUITY, I WAS DENIED FOR ASSISTANCE. I PROVIDED COMPARABLE SALES AND A REAL ESTATE AGENT OPINION WHICH SUPPORTED LOWER VALUE. OCWEN DENIED AGAIN BUT INVITED ME TO RE-SUBMIT AND REQUEST AN APPRAISAL. I DID JUST THAT. OCWEN ALTERNATELY ACKNOWLEDGES AND THEN DENIES THAT THEY HAVE RECEIVED MY PACKAGE. OCWEN PREFERS TO PLAY THESE GAMES TO WEAR OUT DISTRESSED HOMEOWNERS BECAUSE THEY PREFER TO PROFIT FROM FORECLOSURES AND FORECLOSURE FEES.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XX/XX/XXXXTo Whom It May ConcernRe : Loan # XXXX Suppression/Removal from XXXX Credit ReportI am hereby submitting this complaint concerning Ocwen 's suppression and removal of my loan status from the XXXX Credit Report. This loan was transferred from Litton to Ocwen who now has the Fiduciary duty in reporting the loan status to all Credit Report Reporting Agencies. 
This two-plus ( 2+ ) year old issue remains un-resolved to -date after numerous communicative attempts through 'Customer Relationship Managers ', Accounts Representatives and Managers etc to have this resolved, ( see attached email transcript " Fwd : Fwd : XXXX Confirmation on Ocwen Loan XXXX XXXX XXXX XXXX '' ). 
The earlier XXXX Report snippet of XX/XX/XXXX clearly confirmed the presence of the loan account status on the report with Ocwen as the servicer prior to its suppression ( see attached " XXXX_Confirmation_of_Suppression_by_Ocwen.pdf '' ). 
In the attached " XXXX_Confirmation of Account Removal_ Suppression.pdf '', the XXXX Investigative Report of XX/XX/XXXX clearly shows that Loan # XXXX was deleted. 
The Full TransUnion Report of XX/XX/XXXX clearly shows that the status of Loan # XXXX remains suppressed/deleted from the Report. ( see attached " XXXXCredit_Report_XX/XX/XXXX.pdf '' ). 
Communications between both Ocwen and XXXX to have this resolved resulted in scapegoating explanations. XXXX recommended getting in touch with the Lender " Ocwen '' and Ocwen subsequently responds with the release of further misinformation and confusion in their " credit report letter '' deceptively suggesting contacting the XXXX Credit Bureau ( see attached '' Loan_Status_XXXX_From_Ocwen.pdf ''. 
With this hard evidence that is provided, I am submitting my complaint, which clearly confirms Ocwen 's illegal and deceptive manipulation of my loan account which is in good standing from XXXX that it now has Fiduciary duty to maintain. 
Thanks in advance for a final resolution to this issue that has negatively affected my credit inquiry results for the past 2+ years. 
Regards, XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have had numerous issues with this company ( Ocwen ). I have XXXX issues now : 1. Ocwen has been charging me an extra {$50.00} per month for no reason. I have asked what this {$50.00} is for, but have received no response. 
2. I have had this loan for years and the payment was always automatically withdrawn from my bank account. Then, suddenly and without prior notice, they stopped making the withdrawal. I was on vacation when the letter notifying me of this was sent. When I returned home, I made the payment. However, they still charged me a late fee of {$140.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have applied on several occasion for a home loan modification with OCWEN Loan Servicing and a Deed-In-Lieu and each time they have denied it or lost my paperwork until I stopped paying the mortgage all together. In 2012 there were enhancements made to the HAMP program that they did not follow as I am XXXX military and was displaced by a XXXX move.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX XXXX I submitted a compliant against Ocwen home mortgage servicing my loan because at that time I had been held in default since XXXX unable to make any payments while my loan was bought and sold numerous times. 2 years later XXXX XXXX i am still in the same situation but now after having been assigned 4 project managers with Ocwen and filled out and sent in all my HARP required information 8 total times I have had no choice but to file for bankruptcy because my total amount owed now with late fees and penalities over 7 years has my loan repay over XXXX on a loan which was XXXX but never allowed to make payments in 7 long years. I have spent XXXX on lawyers assisting me to stop their foreclosure efforts 3 times over these seven years. Each time I thought I was going to have a deal worked out with them I would be blind sided with papers of Ocwen trying to foreclose on me while I am in the middle of my work out programs with the assigned counselors. In XXXX I received a letter telling me i was denied a refinance program due to my income which was reported XXXX less then the information i provided them. Then the VERY NEXT DAY I received another letter telling me i was assigned a new counselor and to send in all my required paperwork after I had just sent in all my information and having monthly conference calls with the project manager to ensure I sent it all in. Then the letter would tell me that once all the proper paperwork was received no further action on foreclosure would occur over the next 30 days of the review process. The same letter I received 6 times. 2 times i did n't received anything for my submission.. It is so confusing at this point that when I speak to attorneys they look at me as though I am making this up. i need to move on with my life and bankruptucy due to a loan they will try to collect from me for XXXX would destroy what is left of my future. I do n't even have a solution at this point I am speechless and they need to know how lives are destroyed. lastly I have every single email, fax, paper and letter over the years as well and did everything a consumer was asked to do such as I attended all monthly assigned conference calls with counselors. I met counselors at the XXXX who were as stunned as I was with my situation. It has consumed and ruined much of my life these past 7 to 8 long years

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
After my point of contact told me that this file was being submitted for an approval. They came back and stated they have to order up a new appraisal/BPO. This was 4 weeks ago. We have been waiting for weeks upon weeks to get a BPO/Appraisal to come to client 's property. Every week they order an BPO/Appraisal and nothing comes of it. No phone calls, no scheduling. Nothing. Ocwen continues to state every that someone is coming will contact me. They have already scheduled a foreclosure date of XXXX XXXX, 2015. We have a buyer and the buyer is now growing impatient with the waiting process. Ocwen told my me that they will not allow an escalation. They will not reveal the investor on the loan. They only state that we will have to continue to wait for BPO/Appraiser to come out. We have been waiting for over 4 weeks ago. They are setting this client up for a strategic foreclosure. They continue to tell me that they do not know why no one has contacted me but wait another 7-10 days and " maybe '' someone will call. Ocwen is really being unprofessional about this. This is a HAFA short sale and for them not to give me any information on who else to contact is ridiculous. I need help with Ocwen. This is stressing my client out. She does not want a foreclosure on her record, but Ocwen is forcing XXXX her.

Company response to consumer: Closed with explanation