vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: KY

Complaint narrative:
My insurance company ( Ocwen ) has taken funds from my escrow account for " annual '' Lender 's placed insurance twice this year. First in XXXX ( {$680.00} ) and again in XXXX ( {$630.00} ). They also failed to pay my property taxes in XXXX. This resulted in a over {$3000.00} in fines and penalties. They did end up paying the back taxes and fees in XXXX to avoid foreclosure from a XXXX party company that purchased the back taxes. They held me responsible for over {$1600.00} of these fees. I have been behind XXXX payment for the past few years. They have refused to help me remedy this, any over payments I make they apply to late fees, even though their statements advise that they will apply all funds to past due payments first. I have spent countless hours on the phone with representatives that are not willing or refuse to assist us in any way other than to make the full payment to catch up. We have previously asked if they would defer the past due payment. The representative advised that they would be able to assist, but this never happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I entered into a HAMP mod with OCWEN in XX/XX/XXXX, the terms of that mod include debt forgiveness/cancellation in XXXX even steps after I perform without missed or late payments in XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. I received a XXXX this year stating that OCWEN has taken the full amount of debt forgiveness against the XX/XX/XXXX tax year. This is debt forgiveness that has not yet been realized as the dates have not been hit and I still have to perform. This is tax fraud ( it has been reported to the IRS ) and I have no doubt that OCWEN is treating all other similar HAMP mods the same way as they are desperate to have losses to package as " advance receivable trusts '' or similar debt instruments. 

OCWEN can not take the " loss '' in XX/XX/XXXX ( in violation of the HAMP mod terms ) without immediately granting me the debt cancellation rather than making me wait several years. OCWEN ca n't pick up their end of the stick without picking up my end also. 

I am harmed by the illegal acceleration of the debt forgiveness as I am obligated to show an additional $ XXXX in " income '' on my tax return. This is unconscionable. The schedule for debt forgiveness is on " page XXXX of XXXX '' in the agreement, paragraph XXXX ( C ) " the modification ''. This is I believe actually the XXXX page of the pdf file attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: KS

Complaint narrative:
The assignment on my mortgage is fraudulent. Ocwen knows about it and will not address the issue in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Ocwen purchased my loan from indymac and they miscalculate the escrow account so they sent me a letter in XXXX 2015 with the new payment with all escrow shortage corrected. I talked to them and they stated that now on everything will be the same. 
Payment went from XXXX to XXXX. 
now in XXXX 2015 they send me a new later increasing my payments to {$3900.00} because now the want a " cushion '' for emergencies. I think this is a scam. I cant make that payment. 
my rate is fixed. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Ocwen Financial Corporation
State: IN

Complaint narrative:
Filed this with XXXX County, XXXX court of common Pleas Cival Division = My responseThe XXXX fka XXXX as trustee for the cerificateholders of the XXXX, XXXX, Asset-Backed Certificates, XXXX XXXX XXXX XXXX. Temp, XXXX XXXXThe XXXX XXXX = Plantiff vs XXXX XXXX XXXX Defendant. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX, XXXXXXXXXXXX XXXX XXXX XXXX generally deny the allegations in the complaint or have lack of knoweledge as to the accuracy. 
I may still cooperate with the agreed entry. 
The property in question is loacated at XXXX XXXX XXXX, XXXX, XXXX. XXXX property has been vacant since XXXX of XXXX. Was put up for sale by my XXXX XXXX XXXX XXXX XXXX XXXX @ XXXX. On or about the end of XXXX XXXX. In XXXX of XXXX we received a cash offer from a potential buyer / Investor for some XXXX. XXXX XXXX XXXX approved the short sale. They had comfirmation of cash payment, and a closing date assigned. Potential buyers aware of the sewer project and prepared to make the hook up. 
Title search cambe back as the original loan not being properly satisfied on the deed. Worked with XXXX XXXX XXXX to chase down re-finance company and title company. Morgage Company / Title company are out of business and title company deceased. This forced the buyer to back out. 
If we could locate someone from XXXX XXXX XXXX XXXX, nka XXXX XXXX , XXXX last known address of XXXX XXXX XXXX, XXXX, XXXX XXXX. We could poetetially fix the isue with the title / deed with not being properly recorded and showing as satisfied. 
Since the above, XXXX XXXX XXXX released the property and has taken over by XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX. XXXX. XXXX ext. XXXX as a debt collector and aware of teh previous short sale agreement attempt. Since then the property has gone into foreclosure. Estimated sale date was indicated as XXXX of XXXX. 
I have had no access to the property. XXXX XXXX XXXX changed the locks and added a lock box, and also pad locked the garage door. The house has been winterized since XXXX of XXXX. 
Copies of my response filing have been sent to : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX, XXXX. XXXX person to XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX. XXXX. XXXX, XXXX. XXXX. 
Filed XX/XX/XXXXXXXX XXXXXXXXXXXXPlease help me resolve this issue. 
Thank you!

Company response to consumer: Closed
Consumer complaint received 2015-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Integrity Solution Services, Inc.
State: LA

Complaint narrative:
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 public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
I started off with XXXX XXXX, then they sold my loan to Indymac, then they sold my loan to Ocwen, and ever since ocwen took over every year I have to pay them more money as they are always short on my escrow. So I pay the shortage, this year I received a check for escrow overage and then no more of me cashing the check I get a nitice that they are short on escrow again and I have to pay it back, also I have been out on work comp. for almost the last 5 yrs. so the last 2 years I have applied for a loan modification and been turned down, I am at a 7.125 % interest rate so they just keep telling me to put my house up for quick sale. So what can I do??

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Integrity Solution Services, Inc.
State: AZ

Complaint narrative:
Integrity Solution Services continues to post debt that has previously been REMOVED! Many agencies continue this process of adding, I continue to dispute them, they get removed, then reappear under a different name ( XXXX XXXX, XXXX, XXXX, XXXX ). Some have even changed the name of the original creditor.

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 2016-08-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I HAD CHANGE DECREASE IN INCOME, OWEN SUGGEST I QUALIFY FOR A MODIFICATION LOWER MY PAYMENT TO AFFORD IT. IVE BEEN TRYING FOR XXXX MOTHS TO NO SUCCESS. OWEN DENIES ME WITH I KNOW I QUALIFY XXXX % OCWEN STATES IT MY " INVESTOR WHO OWNS MY LOAN WONT HELP ME???????? MAKE S NO SENSE WHY WOULD OCWEN TELL ME I CAN GET A MODIFICATION TO HELP ME WHEN THEY INSIST MY INVESTOR WONT HELP! PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
PART 1024 -- REAL ESTATE SETTLEMENT PROCEDURES ACT ( REGULATION X ) Subpart C -- Mortgage Servicing CFR 1024.38 ( b ) ( i ) ( ii ) ( iii ) ( iv ) ( v ) Robo-signing is illegal and has been outlawed in the State of New York. The Corporate Assignment of Mortgage being used to established ownership was robo-signed. 
XXXX XXXX XXXX, XXXX and XXXX XXXX, XXXX were not in business on XXXX XXXX, 2015, when the assignment was executed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
XXXX XXXX submitted documents for a loan modification via email on XX/XX/2015. Ocwen confirmed receipt of documents and stated a review had been opend. on XX/XX/2015 ocwne Stated nothing was needed. On XX/XX/2015 ocwn stated they needed a date of when hardship started. That info was given to them that same day. XXXX was called on a daily basis. Nothing was needed from them and the file was under review. On XX/XX/2015 Ocwn called and stated they would not review the file any further as the sale date was too close. They stated that there was missing info which was the date of hardship and that is why they could n't review the file. That info was given to them same day it was requested. Ocwen is refusing to assist the homeowner per XXXX XXXX and per supervisor XXXX XXXX. Ocwen is discriminating against XXXX XXXX because she is XXXX. Ocwn is discriminating against her based on her race, national origin and sex,. Ocwn needs to treat her file as any other file and properly review the file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
we have been trying to refiance since last XXXX.we sent in everything that they requested from us, now today I get a letter stating that since I have not been late with my payment of which is XXXX every month at XXXX interest rate that I do n't gualify we liveon a fixed income of pension from my husband and social security for XXXX us besides we have XXXX mortgage the second is XXXX so I pay every month XXXX every month besides our every month bills all I want is to reduce our interest so we can survive a little better we ca n't get help from harp and XXXX act of which I do n't understand why please can you help us XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: Ocwen Financial Corporation
State: NV

Complaint narrative:
I XXXX XXXX spoke to Ocwen Loan Servicing XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX I also talk to XXXX they toll me they can not give me the full amount, XXXX went I talk to them on this day they say Yes that they were going to give me the full amount never toll me about any interest charge XXXX XXXX ID XXXX, also talk to XXXX ID XXXX well went I talk to them they told me to make the payment on the loan, and I did for the amount XXXX Do n't worry you are going to get all your money back went we get the pay off amount. But I told them that I was in the proses off paying the loan off amount {$170000.00} and my loan officer sent the pay off amount XXXX they got the pay off amount XXXX they are charging interest went I pay off the loan on time and made and extra payment for XXXX XXXX I pay {$1100.00} They only want to sent me {$1000.00} went I suppose to get the full amount. They say as long we get the payment before the XXXX XXXX it should be ok. I will get the full amount I still have not got my Money.Pleace help me call me at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
We are selling my mothers home and need the payoff amount from Ocwen financial. I 've been calling for two months trying to get a response but to no avail. This week we are supposed to be closing and we still have n't had any response from Ocwen. All we need from them is to verbally confirm the amount and fax over some paperwork to the escrow company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
My complaint is that our house was foreclosed on XXXX/XXXX/2016. During this time our application for modification request was in review ( as noted on the XXXX Notes ) Please take a look at the letter dated XXXX/XXXX/16 where it states Ocwen was acknowledging the receipt of the application for assistance, when in fact, this request for assistance had been submitted back on XXXX/XXXX/2016 ( Listed on the XXXX Notes ) Also, please make note as to how many Ocwen representatives touched this file -- there should only be XXXX Single Point of Contact or Account Manager working the file. Due to the fact that Ocwen is a servicer for XXXX XXXX Bank, and under the scrutiny that XXXX XXXX has been under, here is another case that should be reviewed for the discrepancies by the Servicer, Ocwen. They created DUAL TRACKING and foreclosed on this house while in Modification Review.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
Someone by the name of XXXX is calling asking for social security number to collect debt on a property I do not own. They say the name of the company is Ocwen Loan Servicing LLC .

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08 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: NC

Complaint narrative:
I was evicted from my apartment complex due to financial hardship. My boyfriend loss his job and I was taking care of everything on a XXXX salary. I made sure I spoke to my leasing office daily to keep them abreast as to what was going on. They understood but when it came down to it they had to do what was best for the business. 
Now, Instead of me being charged for the unpaid rent that I owe and maybe a cleaning charge for not being able to clean properly due to the apartment getting locked. I am being charged fees that the debt collectors want me to pay so that the complex and themselves can make a profit off of a life time set back I had and we all have. I would like to be charged for the original amount that I owe so that I can clear the balance up and move on with my life.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
On XX/XX/XXXX I mailed out XXXX money orders to the Ocwen processing center in XXXX Texas. One for {$1000.00} another for {$580.00}. The money order for {$1000.00} was received and processed. The {$580.00} money order was not. I assume they must have been stuck together. I contacted customer service and they stated that payments received on Saturday 's are processed by machine. I contacted Ocwen 's research department, but they could not find the money order. I contacted Ocwen 's ombudsman office and spoke with XXXX. I told her that the post office has a 60 day policy for investigating whether or not the money order had been cashed. This was XX/XX/XXXX. During this time period of 60 days XXXX tells me to continue making payments until the investigation has concluded. I make a payment for {$1500.00} on XX/XX/XXXX which was received and noted to my account on XXXX XXXX, XXXX I receive a check from the post office on XX/XX/XXXX I mailed the {$580.00} amount along with a payment of {$1500.00} these payments were returned with a letter stating insufficient funds for reinstatement. From XX/XX/XXXX- XX/XX/XXXX I tried to contact XXXX but she does not return my calls. XXXX weeks have gone by. I speak with a rep in the ombudsman office and tell him my concerns. He states that possibly they can contact the cashier office, and bring the account up to date. He would have to talk to XXXX about this matter. XXXX weeks have passed finally I get to speak with XXXX. I explain what her associate tells me. XXXX ask what would I like for her to do? I suggest what her associate told me about updating the account. I mention to her about our conversation of the postal money order and the 60 day period, and the post office letter that I faxed to her. She says she would see what she could do. XXXX days later I get a response from her stating there is nothing she can do, the account is in foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CT

Complaint narrative:
I was trying to refinance my car and decided to check my credit report. I then realized that Ocwen Loan Servicing had stopped reporting my mortgage payments. The account was either deleted or showing charge-off or closed. I reported the issue to the customer service department and was told they they had been reporting correctly. I then tried to dispute with the credit bureaus and they informed me that Ocwen has stopped reporting and that I can not dispute. I called Ocwen again and they said they had opened an investigation. I never heard from them. I called back and complained again they said that they were not sure why my credit reporting was being " surpressed '' and that they would investigate. I got a letter back a week or so later stating that again the information was accurately reported. I later called in to the office of the ombudsman and complained. after a month or so I again got a letter that the information was correct and that if I had any documents to prove otherwise to send it to them. I called again and emailed the copies of my credit report. I received a call confirming the dates etc on the report. And later received a letter that they would finally make the corrections to my report. I am still waiting to see the corrections. However I watched my credit score drop dramatically across the board. This of course has impacted my livelihood. I was not able to get the refinance rate I deserved I am trying to get better auto insurance and am afraid to try based on my " false '' credit score. This whole process has been goin on since around XX/XX/2016. Thanks for your attention and time to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
We were on a HAMP loan at 2 % and were current. Ocwen raised us to 3 %, I lost my job and the ability to drive XXXX and earn a living. We can not afford the 3 %. We need help. Please contact me with any questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
Ocwen Loan Servicing , LLC took over our mortgage, and life has been a nightmare ever since. Every few months, Ocwen raises our monthly fee. We do the best we can, working as many hours as we can, to pay the ever-increasing mortgage rate. One month, our bank ( XXXX -- another corrupt institution ) bounced our online payment after re-organizing payments, which XXXX does all the time, and which makes it impossible to know how much money you have. Since then, we have been a couple of weeks behind on Ocwen, considering that our mortgage is now more than {$1000.00} higher than it was a couple of years ago. In good faith, we have struggled to pay this rate, doing the best we can to stay current, despite having NO money left over to feed our kids sometimes, put gas in the car, or pay the electric bill ( all of that good stuff ). Despite repeated mailings and faxes to Ocwen, their Research Dept just doubles down, arguing that the rate is correct ( and then raises it more!! ). Either this is an evil conspiracy to steal the homes of hardworking Americans, or Ocwen is so inept that one department can not communicate with another. We expect it 's a bit of both. DO NOT do business with Ocwen ; we want to run away from Ocwen, but Ocwen has RUINED our credit and made our lives impossible. We have written to the Ocwen CEOs ; we will go public to the highest levels, if necessary, to expose these shady business practices.

Company response to consumer: Closed with explanation