vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
In early XXXX 2015 I submitted paperwork to Ocwen Mortgage Services to apply for a deed in lieu due to a situation with my XXXX year old mother that requires my presence in XXXX. I called to inquire as of the status of the application on XXXX/XXXX/15 and advised the representative in the deed in lieu department that as of XXXX XXXX the house would be vacant and suggested that they take steps to secure the property as there are several vacant homes on the street that have been vandalized the moment they were vacant. upon return home yesterday I find out from a neighbor that Ocwen Mortgage sent someone from their preservation service to change the locks on my house. I have not been approved or denied for a deed in lieu nor has foreclosure been started. All my belongings as well as my dog & XXXX cats are inside the home and I still live there at least until XXXX XXXX 2015. In addition to prematurely sending their agent to change the locks, my situation was discussed or mentioned to my neighbor which im sure is a violation of my right to privacy. I do not speak with any of my neighbors yet one saw that someone was taking pictures and inquired. He advised me that I should call the preservation company to let them know I am living in the house still and my neighbor also said " your locks are going to be changed because you are in foreclosure. '' He would have no way of knowing my situation as I keep to myself and did not want anyone to know I was leaving just because my house was already been broken into with me living there and I live alone and I am afraid. Can you please look into this and advise me what I need to do or if my rights have been violated? I have emailed Ocwen '' s Consumer Ombudsman as well as a general email for Ocwen to advise them I would contact someone to see if my rights have been violated. You may contact me at XXXX after XXXX Eastern Time if you have any further questions. 
Thank youXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
I believe that Ocwen Loan Servicing is attempting to commit mortgage fraud. I have asked detailed questions as it relates to my mortgage and Ocwen Loan Servicing evades my questions about the mortgage on my property. I am a XXXX XXXX and has submitted XXXX RESPA requests to Ocwen Loan Servicing since 2013. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Other financial service — Refund anticipation check
Issue: Customer service/Customer relations — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
We had a major flood. Insurance check made payable to us and OCWEN ( first mortgage holder ). They have money and told us to have an inspection when we are 35 % done. We did this. They received the inspection report in early XXXX. Ever since we have gotten a run around. Six weeks later the check still has not been sent to us. Our workers have threatened to stop work.

Company response to consumer: Closed
Consumer complaint received 2015-06-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
BANK CONTINUES TO SAY WE ARE MISSING A PAYMENT WHICH WE ARE NOT WHICH HAS THEM SAYING WE ARE LATE AND THUS HAVE N'T ADDED OUR PAYMENTS TOWARDS OUR MORTGAGE LOAN. WE HAVE BEEN IN CONTACT WITH OUR LAWYERS AND HAVE SPOKE TO OUR LENDER ON NUMEROUS OF OCCASIONS AND NOTHING SEEMS TO BE HAPPENING.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
I notified Ocwen that my property taxes and my insurance had both been changed ( lowered ). They were provided with the necessary documentation from both the new insurance company, which they have already paid and the formation from XXXX that my property taxes were lowered. They are refusing to update my information and sending me new escrow estimation so that my payments reflect the changes. The county sent them notification of my tax decrease in XXXX yet in XXXX they sent me an estimate of escrow with the old information. I have spoken with both their escrow and insurance departments and they both agree they have received the updated information. I have contacted them every week since I recieved their escrow estimate in XXXX and am being told that they will correct the problem in XXXX business days but today is XXXX XXXX and it has n't been corrected yet. 

I keep getting phone calls from them asking if I have received a refund from my old insurance company and to send them the refund. I was also charged a {$100.00} fee for something they say my old mortgage company charged however, I have called the old lender and they say they have no record of a {$100.00} fee. 

I am XXXX years old and live on a small fixed income. I feel that they are trying to take advantage due to my age. I ca n't afford to give them monies that are not due them and would appreciate your help in getting this matter resolved in a timely manner!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
FULL PRICE SHORT SALE XXXX - Seller XXXX - Buyer Complaint against OCWEN Bank Account number XXXX This has been going on since XXXX! 

Ocwen Bank has abused the Seller, XXXX, the Buyer, XXXX & XXXX, XXXX, Realtor and XXXX. Ocwen bank receive a full price cash offer and all requested documents 4 times. Ocwen bank keeps asking for the same documents over and over again. We have receipt that they have received the documents.

Company response to consumer: Closed
Consumer complaint received 2015-04-09 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: CO

Complaint narrative:
I signed a short term lease while I was in Texas, I was drafted after I already signed the lease but was told ball players could get out of there lease at anytime. I went to the community and advised them of course the lady that was there when I signed the lease no longer worked there and a man advised me no that is not accurate and if I leave I will still have to pay the entire lease which I signed even if they rent the unit out to someone else. So I did I paid every single month to not have any negative remarks against me. When I left I turned off all utilities that were in my name also. Every month the actual rent included trash pick up, water which was a flat fee of XXXX and pest control. I received the ledger of the so called charges and every month per even the ledger reflects the electric being XXXX to highest XXXX which started in XX/XX/XXXX which I was n't there. I should not owe anything to this company. I feel I am being taken advantage of and after paying for a unit I was n't even at. I do not know this for sure but I am sure this company rented it out also and did n't leave it vacant. I and a firm which is trying to help me resolved requested validation of what I paid in and some other information which this company is failing to reply with. Now I have a collection agency Hunterwarfield on my credit and calling me for payment which I do not owe. PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: IL

Complaint narrative:
XXXX offered to settle an account then refused when I didnt have a secondary phone #. Also RUDE and SARCASTIC Supervisor. I called Hunter Warfield regarding an alleged debt to ask if there was a possibility of removing from my credit report with full payment or settlement. The representative said that it can not be removed but she would certainly offer me a settlement of less than the full balance. When I asked what was the lowest amount she would accept she said there were some questions. I verified my name, address, and ONLY phone #. She asked for a secondary # to which I replied I did not have a home phone # and my place of employment didnt allow personal calls. She told me that without another phone # to put on the file she would not offer me a settlement. I told her I didnt understand that policy because I was prepared to close the account that day. She asked me for a friend of family members number and I asked why if she had a confirmed phone # for me. Calling a XXXX party when they have a good phone number for me would be an FDCPA violation. She said sorry. I asked to speak to a Supervisor. Supervisor got on the line and reiterated that they could settle the account. I said, Great! How much can you save me today to take care of it?? He said : I just need to updat the file with another phone #? I again told him that I only had XXXX number, that they had permission to call me on my cell manually but not by an auto dialer. I told himt here was no other # I could give him. He sarcastically said : When you pick up your cell phone and click on contacts you mean to tell me it 's empty?? I again asked why having a freinds phone # was so important and that having and using a XXXX party phone # would be an FDCPA violation. He said : " Fine pay the balance in full then. '' I asked him if it was normal practice to offer settlements to people who have XXXX phone # 's but not people with XXXX?? Doesnt that seem like discrimination? He said I can pay the balance in full if I do n't like it. We ended the call with me asking them to call back when they would like to offer me the settlement they first spoke of. He hung up. XXXX hour later the XXXX representative called me again and said : " what 's up with the account? '' Sarcastic and unprofessional. I asked if she was going to offer me the settlement figure and she said she needs a XXXX #. We ended the call the same way with me saying that I would gladly discuss with them when they were ready to call back and offer a settlement. 

I do not understand their arbitrary practices of offering a settlement not do I understand their need for an alternate phone # for a friend or family memeber when they have a good contact number for me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: LA

Complaint narrative:
I received a notice to vacate from Attorney XXXX XXXX XXXX stating that the owner XXXX XXXX XXXX XXXX XXXX is seeking to recover possession of the property. After contacting XXXX Bank, I received an email ( attached ) stating that XXXX owned the property that XXXX Bank is the trustee not the owner, but after research XXXX XXXX XXXX XXXX XXXX XXXX XXXX stating that the property was Service Released to Ocwen and XXXX Bank is still the Trustee not the owner. Attorney XXXX, under the motion filed in court by Another law Firm states that the property was sold to XXXX Bank by XXXX on XXXX XXXX, 2014. I never receive the addition information that XXXX Bank stated that i should have received by Ocwen as the transfer of the property to Ocwen. I called Ocwen and was told that the social security number listed on the loan number did n't match the property address at XXXX XXXX XXXX XXXX XXXX, LA XXXX. The loan number given to me by XXXX Bank # XXXX, and that Ocwen was responsible for the proceeding. The attorney filed that he was representing XXXX Bank as the owner. In court the attorney that gets the motion signed is working at the XXXX where we are to report fraud in Louisiana and he and other attorneys are committing fraud for these bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I filed a TILA complaint in Fl. state court in XX/XX/XXXX. 
Case XXXX in the Fl. XXXX Circuit. 
GMAC [ non lender or creditor responded without evidence to do so. 
Attached is what OCWEN is trying to do AFTER the XX/XX/XXXX Consent Order.I have tried to get someone from your office to do an XXXX XXXX. XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
This is the XXXX time I have to submit a complaint with the Consumer Financial Protection Bureau. Ocwen is once again stating that I am late on my mortgage payments even though my payments are submitted automatically bi-weekly by my financial institution. Based on information derived from my financial institution I am XXXX a payment ahead on my payments. Ocwen is the most incompetent company that I have ever encountered concerning customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: UMPQUA HOLDINGS CORPORATION
State: CA

Complaint narrative:
last year I applied for a loan with Umpqua bank ( actually sent a complaint to CFPB on the loan officer last year ) and rescinded the loan the day after I signed since it was not the terms I was told it was. 
Recently my husband and I decided to do a refinance and found out that Umpqua bank recorded a XXXX on my home. As you can imagine I was so upset. I have been dealing with them for the past week, and they are trying to fix it however has not happened yet. 
That is illegal and should not have happened.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
This company has filed a " NOTICE OF SALE UNDER POWER '' to auction my home on the XXXX Tuesday in XXXX. Their power as " Attorney in Fact '' was revoked due to violations of Federal Regulations 617.7010 Title 12-Banks and Banking Title part 617-BORROWERS RIGHTS Subpart A-General Item c, the borrower 's written waiver must contain a statement that the borrower was represented by legal counsel in connection with execution of the waiver.I WAS NOT REPRESENTED BY LEGAL COUNSEL IN THIS MATTER. I filed an affidavit of NOTICE OF REVOCATION OF POWER OF ATTORNEY AND TERMINATION OF ATTORNEY IN FACT on XX/XX/XXXX in the XXXX XXXX Supreme Court and mailed copies to Ocwen and their attorney, XXXX, XXXX, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 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:
I need help, I loved at XXXX for many years decided I was not going to renew my lease provided a notice as stated in my lease and now I look at my credit file and see a {$2600.00} collection. This is NOT accurate and unfair. I have disputed this with no outcome. Please help. I was a GREAT tenant and left the unit in excellent condition. Where are these fees coming from? This debt is NOT MINE

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
it all started XXXX 2014 we was trying to get a modifcation approved and still trying the pkg was sent filled out sent back they called didnt received it didnt received it paystubs were sent they called no paystubs its was XXXX thing after another in the meantime i have all my faxes that was sent this is how they get u behind on purpose money hungry people they dnt care about u they want your paystubs to see how muchmoney they can get off of u my loan is 84,000 they have tacked on 14,000 since XXXX 2014 8 months waiting on it wow now i owe 90,000 the XXXX house is worth under that what XXXX they need to go down taking peoples hard working money and they dnt care none of them speak english u cant under stand them these sumbags to be accountable.plus they have a fffffffffffff rating a large amount of complaintsssssssssssssssssssssssssssssssssssssssssssssssssssssssss

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc
State: FL

Complaint narrative:
They call my work and cell phone repeatedly and then called my daughters phone # and harassed her about giving them my phone number.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
We have a mortgage with Ocwen. They sent a letter stating there would be an escrow shortage of XXXX which I paid to keep my monthly payment the same as it always has been. I got a phone call today saying that my payment would be going up even though I paid the escrow shortage. The customer rep said it was due to increases in insurance and taxes but is n't this covered when they did the escrow analysis and made me pay over {$1000.00} to keep my payments the same. When I asked this they said the monthly payment would increase no matter what I did or if I had paid more. Never with any other mortgage servicing company have I had such problems. A yearly escrow analysis is done and if you pay the shortage your payment remains the same. What kind of " cushion '', as they call it are they allowed to keep of my money and STILL RAISE MY MONTHLY PAYMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: LA

Complaint narrative:
Our home flooded XXXX XXXX, 2016. We submitted a claim with our Flood Insurance and was paid XXXX in damages. The check was written to us and Ocwen Loan Servicing, LLC ( our mortage co ). ( loan no. XXXX ) ( XXXX ) We contacted Ocwen and was put through to their Loss Draft Department. We were told what documents were needed to get draws from our account. We have repeatedly submitted ALL REQUIRED documents and Ocwen has paid out XXXX as of XXXX. We submitted 3 estimates to be paid on XXXX XXXX. We have called several times a week to check the status of the checks. We are told EVERY TIME something different, ie. XXXX documents now rejected, adjuster document rejected ... They have ALREADY paid out on these contractors bills, how are they now rejected? We are then told our " request for payment '' will be sent to be approved, then we are told are request was approved and check submitted only to NOT receive the check. We paid a fee to have ALL payments overnight mail to us. We call the next day and are once again told the exact same thing, from the rejected documents, to its going to board for approval, to it will be sent out with note to rush the process, etc etc. We CAN NOT have our home repaired and completed if Ocwen holds our insurance money and does not pay out to our contractors. We are homeless and just want to go home. This is OUR Insurance money, NOT Ocwens money. How can they NOT pay out when we have complied with their policy, rules and regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
I believe OCWEN and the loan investor XXXX did not act in good faith when working with me to modify my Mortgage loan during my financial hardship. Ocwen repeatedly denied receiving my loan modification package and sent foreclosure notification letter that did not allow me the appropriate amount of time to respond. In spite of my continued communications with them they began the foreclosure process in the fall of XXXX. 
In the winter of XXXX Ocwen commited XXXX XXXX dollars to work with distressed homeowners. However, in XXXX of XXXX they were still unwilling to provide me a reasonable loan modification. In XXXX XXXX I was offered a loan modification to pay nearly $ XXXX for a home valued at $ XXXX. When I appealed the offer I was informed that my investor XXXX XXXX XXXX XXXX did not participate in Principal Reductions. 
I do not believe the Ocwen or XXXX thoroughly reviewed all of the options available. I believe straddling a homeowner with a mortgage % 100 underwater is very reminiscent of the Predatory lending practices that began U.S financial crisis of XXXX. On XXXX XXXX, XXXX The XXXX ran an article titled " Ocwen and Bondholders Clash over Mortgage Services. '' XXXX XXXX of the law firm XXXX, XXXX and XXXX is quoted " investors, including " certain hedge funds, '' also continue to object to the use of principal reductions, which are often the most effective way to help struggling homeowners avoid foreclosure. '' 1. ) I am requesting that Ocwen provide a list of the loss mitigation options that I was considered for and explain the outcome of each option. 
2. ) I would also like a copy of all of the documents that were reviewed in my loss mitigation option review.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Revenue Recovery Corporation
State: TN

Complaint narrative:
I have no knowledge of said debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ocwen Financial Corporation
State: AK

Complaint narrative:
I have been contacted over and over during the past three years for a debt I do n't owe. XXXX it was XXXX call, then a year later they started calling me ever few weeks, then XXXX or XXXX a week, and now they call me every single day, XXXX times a day. I have spoken to them on multiple occasions and they have been nothing but difficult. XXXX they absolutely refuse to say anything but " I 'm sorry you are not authorized '' as soon as they find out I do n't owe them money. XXXX they keep taking my name and phone number but it apparently does absolutely nothing. I have XXXX and this is not only very XXXX but I also have XXXX and their calls at XXXX are disrupting what little sleep I get.

Company response to consumer: Closed with explanation