vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
TO WHOM IT MAY CONCERN XXXX AND XXXX XXXX WHO LIVES AT XXXX XXXX XXXX XXXX XXXX PA XXXX FELL ON HARDSHIP WITH OCWEN FEDERAL BANK IN 2010 WE WERE ONLY THREE MONTHS BEHIND WHEN WE CONTACTED OCWEN FEDERAL BANK TO HELP US CATCH UP ON OUR MORTGAGE. THEY SAID THAT WE WAS ELIGIBLE FOR IN HOUSR MODIFICATION LOAN WE FELL ON HARDSHIP BECAUSE THE CO SIGNER OF THE LOAN XXXX XXXX XXXX HAD PASSED AWAY AND XXXX XXXX XXXX AND LOST HIS JOB AND XXXX XXXX HAD XXXX SURGICAL PROCEDURES DONE ON HER. WHEN WE FILED FOR THE MODIFICATION LOAN, WE WERE DENIED BECAUSE THEY SAID THE INVESTORS DOES N'T DO MODIFICATION LOAN, AND THEY STOP TAKING MONEY FROM US FOR THE MORTGAGE.WE REQUEST FOR ANY INFORMATION ABOUT THE INVESTORS THAT IS HOLDIN On THE LOAN THEY SENT US A WRITTEN PAPER SAYING THAT ITS US BANK WE WROTE TO US BANK AND THEY TOLD US THAT IT WAS UP TO OCWEN TO GIVE US THE MODIFICATION LOAN. NOW THAT WE ARE 5 YEARS BEHIND NOW, AND OUR INTEREST RATE IS 13.5 % WE FILED FOR BANKRUPTCY A COUPLE OF TIMES AND THE MONEY THAT WAS PUT ON THERE, WAS SUPPOSED TO GO TO THE MORTGAGE AND THE TRUSTEES. WE ARE LIVING IN THIS HOME FOR 15 YEARS. AND I ASK THEM FOR A WRITTEN BREAKDOWN OF HOW MUCH WENT TO MY LOAN, THEY TOLD ME XXXX $ WENT TO THE LOAN AND XXXX $ WENT TO THE PRINCIPAL AND THE INTEREST RATE KEEPS GOING UP. THE LOAN THAT XXXX XXXX XXXX TOOK OUT WAS ONLY XXXX . NOW BEINGS THOUGH THAT THEY WAITED FOR US TO GET FAR BEHIND WE ARE NOW WORKING WITH A HOUSING COUNSEL AT THE XXXX HOUSE. HER NAME IS XXXX WE APPLIED FOR SEVERAL MODIFICATION LOANS AND THEY KEEP SAYING THEY CAN REFER US TO OTHER PROGRAMS THAT MIGHT HELP US TO BRING OUR LOAN CURRENT, AND THEY ALSO TOLD US TO PROBATE THE ESTATE AND WE COULD ASSUME THE LOAN. THEY HAVE NOT LET US YET TO ASSUME THE LOAN AND THEY WILL NOT GIVE US A MODIFICATION LOAN, NOW WE TRY TO APPLY FOR A HEMAP LOAN. THEY PUT OUR HOUSE UP FOR SHERIFF SALE 3 OR 4 TIMES AND THEN CANCEL THE SHERIFF SALE. EVERYTIME THEY DOES THIS IT COST US {$8500.00} NOW ITS GOING UP FOR SHERIFF SALE FORECLOSURE FOR XXXX XXXX. THEY GAVE US A RELATIONSHIP MANAGER TO SPEAK WITH AND HIS NAME IS XXXX WE ARE REALLY TRYING TO SAVE OUR HOME, AND HE SEND OUT ANOTHER MODIFICATION PACKAGE TO FILL OUT. NOW SINCE THEY WILL NOT HELP US WE HAVE AN OUTSTANDING BILL THEY SAY FOR {$86000.00} HALF OF THAT IS FORECLOSE COSTS ATTORNEY COSTS, AND I DONT THINK THAT ITS FAIR THAT WE CAN NOT GET A MODIFICATION LOAN WHEN US BANK AND OCWEN BANK DOES MODIFICATION LOAN THEY NEVER TOLD ME WHO THE INVESTORS ARE. WE SPOKE WITH THEIR ATTORNEY AND HER NAME XXXX XXXX AND SHE SAID ITS UP TO OCWEN TO GIVE US A MODIFICATION LOAN.WE NEVER HAD A MODIFICATION LOAN BEFORE. AND WE ARE ASKIN CAN YOU PLEASE HELP US WITH THIS MATTER SO WE CAN STAY IN OUR HOME. THANK YOU XXXX AND XXXX XXXX IF YOU HAVE ANY QUESTIONS YOU CAN CONTACT US AT XXXX XXXX XXXX THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: American Financial Resources, Inc.
State: PA

Complaint narrative:
We are a title company. We deal with many lenders. The Buyers chose XXXX XXXX Mortgage as their lender. This was a FHA loan so XXXX uses AFR XXXX American Financial Resources XXXX to service the loan. We had a closing date established for over XXXX weeks, but AFR could n't close and did not tell us until day of. Buyers had to rearrange their work schedules. Attempted to close a week after and on date of closing, AFR took issue with our Deed. The Deed language was legal and correct ( we are also a law firm XXXX but they refused to allow our closing attorney to speak with underwriting to discuss the issue. This went on for 3 days and delayed closing due to the loan processsors refusing to provide contact information for a manager or an attorney in underwriting. Our closing attorney finally looked up their website and found a number for the VP and spoke to him. This was after we already were suppose to close. VP instructed the processors to provide contact information and the issue was then resolved. Also, AFR kept changing their figures on the HUD and refused to approve it. Even attempted to add their own origination fee, which they can not because original lender XXXX XXXX XXXX XXXX was only XXXX allowed. XXXX XXXX and AFR went back and forth for almost a day until finally AFR changed the wording of that particular fee. Mind you, XXXX already sent the loan documents and it closed but this was 2 days later they said they were not approving the HUD yet! XXXX XXXX demanded they keep the closing date so Buyers did n't have to redo the loan. So for almost 3 days I went back and forth with AFR on figures, XXXX of which was XXXX cents they were changing, which changed the entire HUD!! XXXX XXXX tried to resolve the figures with AFR through numerous email exchanges but XXXX was funding so ultimately it was up to them to approve. Finally, on almost day XXXX, they approved the HUD a full TWO DAYS AFTER CLOSING. I almost missed payoffs and other figures that were date-sensitive on the HUD on our end for Seller. AFR refused to work with us, refused to communicate with us and only did so when their own VP stepped in. XXXX XXXX stated they have this issue with them a lot on FHA loans. Not sure why they still use them, but we had a XXXX closing lined-up right after this XXXX that we terminated due to AFR servicing it. We lost almost 3 days worth of billable hours, not to mention delayed closing by a week to begin with, due to AFR. We will NEVER work with them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
I have had a mortgage with Ocwen Mortgage, Loan # XXXX since XXXX ( been a homeowner since XXXX - NEVER made a late mortgage payment EVER ). In XXXX I applied for and received a HAMP loan through them. For the past year I have made multiple calls attempting to get the {$5000.00} I am owed for paying my mortgage on time which I should have gotten after the XXXX ( XXXX ) or XXXX ( XXXX ) year, which was part of the deal. I have my mortgage deducted automatically every month on the XXXX for the current month ( so XXXX XXXX was deducted/paid on XXXX XXXX for instance. ) I have gotten a constant run around from Ocwen. On XXXX XXXX, XXXX I was handed over to escalation manager XXXX, XXXX, who assured me I would receive the {$5000.00} against my principal by XXXX. When I called back on XXXX to see how everything was going, XXXX had left the company and I had to start over. I spoke with XXXX, XXXX, who escalated my case to the Concern Department. On XXXX XXXX and I spoke and he guaranteed I will get my money - he just needed a few more days to research. I had to call back over and over - sometimes he returned my call and sometimes not. Today - XXXX, at XXXX CT - he told me that I paid my mortgage late between XXXX and XXXX so I would not be getting the {$5000.00}. I asked how that can be when I have it automatically deducted each month. He would n't listen and said I would get a letter in the mail. If you look at the documentation I will attach you will see my mortgage payment is taken out every month on the XXXX ( statements show a day or two later for it to clear ). However, if you look at the transactions they have on line ( also attached ) it will make your head spin. They clearly applied and then deducted/suspended many many times over the payments I made. And now they have sold the mortgage to XXXX XXXX XXXX so I am stuck between the two. I 'm hoping you can help!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
OCWEN Loan Servicing took over my mortgage and the interest rate on XXXX house is 10 % and interest on the other house is 7.9 % I asked, called and wrote a letter asking them to lower interest rate. They will not do it. I do not qualify for a loan re-financing because I am unemployed and poverty level. I do have school loans which are also considered for the rejection of the re-financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: UMPQUA HOLDINGS CORPORATION
State: OR

Complaint narrative:
My mortgage is held with Umpqua Bank. Formerly, Sterling Bank. Since the time Umpqua took over all Sterling clients and loans, my mortgage payments have been messed up. In XXXX 2015, as I normally do, I mailed my mortgage payment, it was cashed by Umpqua Bank on XXXX/XXXX/15, ( proof of the payment is available and was sent to Umpqua Bank ). Then in the beginning of XXXX I received a call and mail from Umpqua Bank stating my mortgage was XXXX days behind and they sent me loss mitigation paperwork. Not knowing if they were accurate, I authorized XXXX immediate payments. I then went home to research whether or not I made my XXXX payment and found out by my records and my XXXX XXXX that not only was my payment made, it was cashed. I immediately phoned Umpqua Bank back, they asked me to fax a copy of the check, which I did on XXXX XXXX and they would get back with me. By Monday XXXX XXXX, no one had called, so I called again. I was told redirected to XXXX different people, I was told they were working on figuring out the issue and because I was a former Sterling customer, they would take up to XXXX additional days to resolve. To date, I have made a total of XXXX payments since XXXX, they have no resolution and they have derogatorily affected my excellent credit. I was told this was happening to many Sterling customers and there was nothing they could do. I provided proof and have NEVER missed a mortgage payment. I believe they have violated numerous laws and I feel as if NO ONE is protecting us from this bank. I would like to have this entity step in and resolve these issues, get refunds for me and other borrowers affected as well as correct our credit reporting. I do believe if I do n't get resolution, I will hire an attorney. Fair Credit Reporting Violations, Misappropriation of customer funds and an inability to have accurate accounting of my mortgage payment and reserve account are all things that I have been advised are part of the Consumer Protection, are n't they?? 
PLEASE ADVISE WHAT THE NEXT STEPS ARE AND WHAT WILL BE DONE FOR RESOLUTION.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-25 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Ocwen Loan Servicing LLC is holding the mortgage for XXXX XXXX XXXX XXXX XXXX, Fl XXXX that unit has been in default of condominium fees for over 3 years. In XXXX 2015 Ocwen filed a motion for default against the defendant unit owner. However, the default has not been entered as of yet that we are aware of. The condo fees are in arrears for well over {$5000.00}. Ocwen is protected by safe harbor. I, as a unit owner in XXXX XXXX, have no protection and am bearing the burden in my fees for this defaulting unit every month of every year this goes on. I am asking the consumer financial protection bureau to do all within its power to get Ocwen to foreclose on this unit and sell it. Other units have sold for well over the {$66000.00} which I believe is the mortgage amount, so there is no excuse for this to continue. By Ocwen dragging its feet on its responsibility for this unit it is causing unnecessary and undue penalty to me, a senior citizen, living in this XXXX condominium association. This is a horrendous situation and should not be allowed to continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: AmeriCash Holding LLC
State: IL

Complaint narrative:
Excessive over 700 % I keep getting calls from live person or robocalls saying I owe money # XXXX I received over 30 call from two mos ago I told them to stop but still calling

Company response to consumer: Closed
Consumer complaint received 2015-07-19 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: FL

Complaint narrative:
I recently pulled my own credit report and observed a discrepancy. I noticed a company ( XXXX ) is stating that I owe them {$89.00}. I attempted to contact the company but was unable to speak to a representative. I have do n't know how this company received my information or why they are claiming I owe them money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: OR

Complaint narrative:
Predatory bank practices on our home ; ie, lack of modification two times, will not lower the 8.39 % interest. We were recommended to this agency from our state 's AG office. We believe the actual loan is with XXXX, yet serviced by OCWEN LOAN SERVICING with call centers in XXXX. Lack of negotiations from them. After 12 years and no missing payments from us. They will not be compassionate or care to understand w/o lowering the interest rate. Unfair practices to force retired, good people like us into foreclosure and lower standards of lifestyle from own home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
Thank you for your support in monitoring our wrongful foreclosure case that was brought against us by AHMSI/Homeward Residential/Ocwen/XXXX. Ocwen has never planned to help our family even though we never defaulted on any of our HAMP payments. Ocwen has continued to refuse to drop the foreclosure against us so that we can work directly with Making Home Affordable Escalations and the CFPB. Ocwen moved for summary judgement against us over the holidays proving that Ocwen has no intention of helping us. XXXX/Ocwen stated that we have not given any proof that our loan is a part of the Ocwen National Mortgage Settlement when we are clearly the poster child of why the settlement happened in the first place. We have never wanted a free house and Ocwen is forcing us to continue to incur substantial legals fees instead of settling with us and having the money go to the true investors of our loan. Please continue to monitor our case to insure justice and fair treatment. We want to settle as soon as possible XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Began calling servicer when income decreased. Call center in XXXX gave false information repeatedly. Sent in repeatedly load modification packet American Home mortgage was working with us on modification while filing foreclosure and not serving or advising Hope Now was contacted to no avail. 
Homeowners were dual tracked repeatedly. 
Libor rate is

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
Some years ago I was paying XXXX a month and went to refinance I was told it would be XXXX a month. When the settle date came the officer came to my house she was from a service. The rate was a lot higher at XXXX I called the bank rep and he said go ahead and sign it will be the XXXX it never did and I could get nothing from him. It killed me and caused me all kinds of financial hardship. I have not been able to make a payment after the XXXX a month drained me. I have been in bad health and have XXXX. The bank was indymac, XXXX, XXXX and someone else. I paid a lawyer who stole XXXX promising me a loan mod & gt ; Mortgage lawyer XXXX was the name. I also went through XXXX XXXX XXXX XXXX 3 times i did the paper work and they had me redo it it was totally finished and submitted by a hud rep XXXX XXXX. I did it a 4th time with XXXX XXXX it was totally completed and then they said we had to redo it because the bank changed. I was scammed into the mortgage and the appraisal on my home was inflated. I asked about it and they said it was ok. I am a minority XXXX and this is not fair. I believe the lender was also racist as I could and should have qualified for a loan mod. I am trying to have a short sale now and have a lawyer but I am not sure what this one really is doing. I have lost a ton of money and can not even pay. I just want this nightmare to end. I tried several times to find out what legal action I could have and was turned away. Seems like people of color always are. I need help what was done to me is wrong I have been bankrupted and almost divorced. It has been hard to sleep or live for years. I have been threatened and embarrassed to the utmost a man came to my house at XXXX one time and taped papers to my door. I have not paid and I was promised a trial mortgage by my crooked lawyer who had me list the house and then tried to buy it in short sale but i would not sign when i found out he was part of the deal. XXXX, Indymac and whoever else isaoa has been horrible to deal with. I think they just want the house. I have kept it up hoping that i can get somekind of relief. I want to pay but not XXXX a month its not fair and is criminal i have been in contact with the bank and feel they are racist and do not want to help me .Please help me Please this can not keep happening to people of color in this XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Here gors the story again, I paid ocwen XXXX off my principal in about XX/XX/XXXX, They post it minus the XXXX to principal witch is my payment, I also was told by some tech to apply an extra XXXX to principal, next day it shows up in escrow, then at that time all my payments are made to principal.They get them self off the hook and reverse everything to P & I but still apply everything to principal and as you know that can put me into a fore closure situation, than i must off gotten them reL XXXX, i GOT out of escrow.Paid by XXXX XXXX IN THREE DAYS & lt ; XXXX and change.Now they are still applying everthing I pay to principal only, I has to get to an ombusmen to get that changed after, this five months of reversal ofl hell.I have XXXX doc on these people, saving you the time.next great one, they add XXXX to escrow, tech says it has something to do with tax, well i have no escrow i guess cause I complain ed conviently they change that to a renibursement which was done well over a week ago and i have not seen my money.They have not reported me to the credit agencies right, they say my due date is the XX/XX/XXXX/my due date is XX/XX/XXXX/th ey had one of thier techslie and say we report that on your grace day, well that is XX/XX/XXXX.my due as it stand s is XXXX/XXXX/2015 unless they change it ( IT says XXXX XXXX ) .here is a list off thier instutial owners, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, very powerful ones, that pull Ocwen 's string as Ocwen pulls mine , I wish you to report this all over the internet and to all that can help, the third party servicing is fine but since they allow, they are all part of this, i can care less what they do to me, maybe instead off these litigation, we can go civil.i do not know if this works, but they are killing peo ple all over the place, i just need someone with the courage to put them in thier place, by the way they con tinue to buy time for they send me a letter and tell me it will be XX/XX/2015.You see what i mean.Remember, i have saved app XXXX SAVE MAILED DOCS FROM THEM, I CAN FAX THEM ALL TO YOU, BUT I AM SURE YOU HAVE LOTS MORE TO DO, TOO BAD A ROTTEN APPLE HAS TO STINK UP THE, REST, SINCERLY, XXXX XXXX, Ps i have proof they post date, they di not even inform me my escrow was to go from XXXX to XXXX, they have broken all the laws!!!!!!!!!! oh afte the ca oversite commitee had them reverse all those payment up to XX/XX/XXXX, they continued to do principal only!!!!!!!!!!!!!!!!, like I said i can fax it all to you!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 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: VA

Complaint narrative:
I have required proof of what they want me to pay for and have not received it and I have asked several times and when I stated I was taking legal action I get hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19 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: NC

Complaint narrative:
Hunter Warfield continues to make repeated calls asking for someone who does not live at my residence. They have been told that that person does not live here but they continue to call and leave messages. I have tried calling them to speak to someone but no one answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: First Associates Loan Servicing LLC
State: MA

Complaint narrative:
I am currently paying to XXXX XXXX XXXX on behalf of the XXXX. I have received a validation notice and other related information to setup payments with XXXX. I have received all information from both XXXX and XXXX monthly. Along with a payment statement from XXXX parties for the last several months. 

However, now another Debt collector 'Peaks Loans ' has started harassing my family and place of employment. I 've tried to talk to these people, mainly XXXX XXXX, to no avail. She did not have a professional license number and refused to give said address. They are very aggressive and insist they own all my debt. I never received a validation notice from this company. They are, in fact, not aware of any notifications that they should of informed me of. All they cite is that my former college and I signed " documents '' agreeing that they are the sole heirs of my debt. This is beyond false statement and they refuse to remove all contact information and to stop calling. 

Again the person, is XXXX XXXX at XXXX XXXX XXXX XXXX Peaks Student Loans. 
c/o Peaks LoanXXXX XXXX XXXX XXXX, CA XXXX

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