vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: UMPQUA HOLDINGS CORPORATION
State: WA

Complaint narrative:
I applied for the third time for a FHA refi and wasted 2months of valuable time only to find at the end that I could not have more than XXXX FHA at one time. Because it was check in the front I paid for an appraisal and was denied. This caused my credit report to be affected with two more months of past due on an balloon payment. 
Today I received denial reason which are wrong. The bank changed the product so they could then deny me for the 1 ) excessive obligation 2 ) unacceptable payment record on previous mortgage and then 3 ) Does not meet FHA guidelines. 
All of the above is wrong because I applied for the product with a co borrower and was told early in the process that all was good. I explain in advance that my income had changed and that I knew that could affect the outcome. So in the end all was good until we found out that I already had an FHA, That was the only reason I was denied. My credit score was XXXX until I started my loan quest with XXXX different banks. They only reason that I became past due is because all of the banks did not do their fact checking on the front end. They did it on the back end.

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 monetary relief
Consumer complaint received 2016-02-01 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I signed contracts on XXXX modified loans with OCWEN loan servicing. After months of paying my payment they said I was not paying the correct amount and my payments were more than what was stated in the contract. I tried to work this out with them for almost a year. I worked with there reseach dept and made call after call with always the same result. I was told the person I need to speak to is not here but would call me back of which never happened. I sent them copies of my contract and continued to pay my payment up until they stop excepting my payment. I recently lost XXXX of my homes and will soon lose the other.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
Case number : XXXX OCWEN FIN. 
In XXXX XXXX OCWEN was mail 3years statement XXXX TO XX/XX/XXXXshowing payments was wire to GMAC & OCWEN. Ocwen has said therewas no payments in two years. Ocwen charged me in XXXX XXXX $ 350.00for some type of Home secure, Which I have no ideal about. In Additions, XXXX Mortgage company in XXXX and XXXX said Ocwen has it setup that I can notrefinance. In Addition, XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX seems to may have change the Loan terms and Mislead, XXXX with OCwen, I have A gov.Loan, I had problem since buy my XXXX homein XXXX. In XXXX wanted to refinance and XXXX was un able because how OWCEN HAD THIS SETUP ON MY HOME. I ALSO CAN NOT GET EQUITY LOAN BECAUSE OF OCwen setup .My agent subject I get take OCWEN TO COURT or XXXX they redidterm loan. .reporting it falsely as an active loan Some how GMAC & XXXX charging me 17 % on Mortgage payment since XXXX. I refuse to pay this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I became XXXX and when I contacted Ocwen they put me on a repayment plan but did n't offer a loan modification. I got hospitalized and once released and no longer depressed I contacted Ocwen and the representative told me I could not send in the payment. So, I eventually applied for a modification and each time my application has some how disappeared. But I have been assigned a representative from their company more than once. I have even taken my loan modification application to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Florida. on several occasions. I contacted to get a pay off and they quoted me XXXX but the attorney representing Ocwen gave a quote just a little over XXXX XXXX. I submitted the loan modification to their attorney XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
The home sold at foreclosure auction XXXX/XXXX/XXXX back to the bank. The homeowner applied for assistance before the foreclosure sale date and has not been reviewed for help prior to this submission. There is also no previous modification since XXXX applied to the loan. We spoke with representative XXXX ID XXXX on XXXX/XXXX/XXXX and he confirmed that the clients modification request was sent to underwriting on XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MD

Complaint narrative:
My computer was going crazy with a written and verbal alert of a virus infection. The alert stated that I needed to contact XXXX immediately with the XXXX. I called and a guy presenting himself as a tech offered XXXX service plans to choose from. The plan I chose was {$420.00} for 3yrs. tech. service and lifetime software. Paying by money gram a tech was scheduled that never showed. I called back to complain. At that point I was told the supervisor that the money gram was sent was out on sick leave and that the money had not been received. At that point I told them to cancel the service. the guy who went by the name XXXX told me to keep me a happy customer that they would give me the service free of charge and that the tech would bring my refund in cash as I was given a choice of how I wanted my refund. At that point I was then told to cancel the first money gram and submit another XXXX to another supervisor for same amount and the tech would brig me {$850.00} instead of {$420.00}. This I was told was to establish a log of the transaction of which I refused. This was all because when I returned to XXXX where I 'd purchased the money gram I was told that it had been received. Being uncomfortable with I contacted XXXX by another number and informed that it was a scam and that they do n't conduct business in that manner and they do not send techs to your home. Here are the numbers used by the scammers. XXXX [ tech service ] -- -- XXXX [ billing ] the names are XXXX, XXXX XXXX to whom the money gram was sent in XXXX XXXX XXXX was the person I talked to about the tech not showing up, XXXX XXXX was supervisor in Az. that they wanted me to send the second money gram of {$420.00} and XXXX XXXX was the tech that was suppose to come to my house ; XXXX # XXXX. They even gave a confirmation # XXXX. The real XXXX tech took over two hours to regain control of my computer and over four hours to clean it of the virus they had implanted. In the process they had removed my anti-virus protection. Thanks to XXXX I have my computer back.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
Ocwen has a Hamp that was submitted by a Housing Counselor since XX/XX/XXXX. Homeowner was approved for a Trial Mod and due to XXXX and XXXX She did not make her 1st payment but Funds were paid by the 3rd trial due date and returned to the Housing Retention Program. Since approved trial modification the homeowners income improved with XXXX and Contribution. The lender not only has not made a decision, they have just recently asked for a new packet for it being outdated, I submitted on XXXX/XXXX/XXXX. I have asked for status updates and they have asked for a XXXX page that included her Name, Phone number, Social and if her intention is to keep or sell the property, information they have had on file since a minimum of XX/XX/XXXX. The ongoing strain of the homeowner health and the thought that she may loose the home she has lived in since XX/XX/XXXX is causing a decline in her health.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Several months ago I provided the Short Sales Dept at Ocwen Financial Services, with an authorization for Attorney XXXX XXXX/Assistant who are handling my Short Sales process. Ocwen approved the Short Sales and I have a Buyer who 's approved and ready to close ; but to my dismay due to the negligence of the Relationship Manager ( XXXX ) assigned to my file, I 'm in the verge of losing my Home to Foreclosure. Both the attorney 's assistant and I have been trying relentlessly to contact XXXX XXXX ( Relationship Manager ) in order to obtain a scheduled BPO ; which is the only thing missing for the closing and despite are continuous efforts to call him, he does not return our calls. Due to this I 'm getting very close to the date scheduled for the Foreclosure Sale of my home. In light of this, both the assistant and I have also tried contacting the Director of the Short Sales Department, but every time her and I have called the Customer Service Department, the Representatives have refused to provide us with his contact information. In light of the fact, that they refuse to provide us with his contact information, we 've requested that he contact me or her, but again to my dismay without success. I recently sent a letter to their Headquarters located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, in attention to XXXX XXXX XXXX ( President of Ocwen Mortgage Services ). In this letter, I provided specific details of my ordeal and I asked for his intervention, in order to prevent the possibility of losing my home to Foreclosure only because of the negligence of the individual assigned to process my file. Now I 'm filing this complaint hoping that, I can get a positive outcome and not lose my home to Foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA
State: PA

Complaint narrative:
I had a school loan with Fed Servicing that was bought buy them, I was in the middle of a medical discharge of my school loans. My loans were discharged in XXXX and all my loans are in good standing on all XXXX credit reports except with Fed Loan servicing. They claim I was sixty days late with my loans, and they were in the discharge process and were not to be considered late, my loans were bought and sold 3 times and all XXXX of them are listed as negative on all of the XXXX credit reports. I started to dispute this back in XXXX when I noticed this company put the XXXX loans on all three credit reports. I even contacted DOE and and they said I had to contact Fed Loan and I did and they told me to print out a dispute credit form and send all documents to them and they would fix it, Because on information on the DOE website it says if loans are discharged any negative information on your credit reports will be removed. That is aside from my loans were under protection while in the discharge process at the time. So I sent the dispute to Fed Loan and I got a letter back telling me they looked over documents and are " NOT '' changing the negative standing on my XXXX credit reports. So I called them again and asked why and they said nothing they can do, if I wanted to submit the documents again. I told them NO and that I was reporting them for not following Federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 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: IL

Complaint narrative:
I rented an apartment from XX/XX/XXXX - XX/XX/XXXX and my landlord terminated my lease on XX/XX/XXXX with a 10-Day notice of termination giving my until XX/XX/XXXX to move out. 

I paid my rent up to XX/XX/XXXX as I did not move out by the XX/XX/XXXX date. The leasing company made every attempt to retain me as a tenant despite the notice of termination and I declined, so I moved out. 

I received a phone call from the debt collection agency requesting payment for the balance of the lease ( XX/XX/XXXX - XX/XX/XXXX ) I explained the situation described above, asked if they had the termination of lease document ( they said yes ) and asked then what are you trying to collect? 

The agent of the debt collection agency started to give legal advice on what a contract is how its upheld and further explained that the leasing company has the right not to have " people like me '' on there property. After trying to further explain and defend my position I realized I did n't have to and I told him I 'll just see them in court, ask them not to call me again and hung up. 

They called back ( this time the disclaimer of you are on a recorded line was not stated ) and started to make threats that I will be ruined financially, I should be a responsible person and pay my bills, my lease was terminated because the leasing company does n't want people like me on there property etc ...

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-03 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: Duncan Solutions, lnc.
State: IL

Complaint narrative:
My debt was a parking violation at XXXX University on XXXX/XXXX/07. I paid the fine in full the morning I received the ticket. A few years later they tried to say I did n't pay it. I disputed it and it was removed from my credit report. I just received a letter in the mail from a debt collector that states the fine is their hands. Is n't this illegal? Does this fall under re-aging? I called the debut collector and explained my situation. I told them this was over 9 years ago and my documents have now been destroyed, but the debt was paid. They want me to mail the collection statement back to them with a written reason why I 'm disputing this charge. It 's a {$30.00} debt and I could pay it ... But how many times should I have to? 

Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
My husband passed away in XXXX of 2013. A couple months before he passed away, during XXXX, I had to file bankruptcy as we 'd lost his income for over a year. Prior to the bankruptcy, we had never missed any payments and our credit was outstanding. OCWEN Mortgage carried our home loan. After my husband passed away, I received proceeds from XXXX insurance policies. I tried for months and months and months to talk with someone at OCWEN to look at various options to reduce my payment so I could stay in the home. It was literally a merry-go-round. Then I received a letter introducing my new customer care person who was dedicated to personally assisting me in finding ways to work together. They would have me set an appointment when THEY called me. I was running a XXXX a month negative which I was pulling from life insurance proceeds. I offered OCWEN {$150000.00} ( my loan amount was {$320000.00} ) to restructure or refinance my loan to reduce the payment so I could afford to stay in the house. Because it was in bankruptcy status, they said they could not refinance or do anything to help or work with me. I sold my home and moved on with my life. I have never in my life talked to so many people within one company and received such a runaround. I later learned from an attorney, one of my XXXX, OCWEN was being sued in a class-action suit by a group of realtors. I was SO HAPPY and hoped those people got every penny from OCWEN. They were horrible to work with. He told me about the Consumer Financial Protection Bureau. Also after I just finished an article in Consumer Reports, I decided to try and get this out to the public so others hopefully will never have to go through what I went through. Be aware there are home mortgages loans offered under other names that actually are OCWEN. PLEASE be aware.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
A request for a short sale was submitted prior to the seven days needed for to be reviewed before a trustee sale date. The short sale requests was rejected due to insufficient time, even though I have evidence it was in prior to the seven day that 's required. I also informed Ocwen there e-mails and faxes were getting kicked back,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
On XX/XX/XXXX a foreclosure complaint was filed against me. On XX/XX/XXXX, I filed a counterclaim against the Plaintiff. On XX/XX/XXXX, I submitted a request for a loan modification request to Ocwen, the current servicer for my loan. On XX/XX/XXXX, Ocwen acknowledged it received my request and on XX/XX/XXXX, Ocwen asked for some additional documents. There were a few more requests, and on XX/XX/XXXX I was approved for a modification. On XX/XX/XXXX, the lawyer for Ocwen sent me a letter discussing a settlement agreement would be drafted if I liked the modification. XXXX XXXX, Ocwen 's lawyer then told me that I had to dismiss my counterclaim with prejudice in order to get the modification. I then filed a motion to dismiss my counterclaim which was granted. However, Ocwen 's lawyer refused to dismiss the foreclosure complaint and said they were going to proceed with litigation and the case was continued to XX/XX/XXXX. On XX/XX/XXXX, I did receive my final signed loan modification, but the foreclosure complaint is still pending. I read in the CFPB settlement that a bank can not make me dismiss my counterclaim as a result of a modification. I had to go through underwriting, and I was eligible for a medication. I dismissed my counterclaim for fear I would lose the home my mother built.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-26 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: IN

Complaint narrative:
I have applied more than 5 times over the years for a refinance. I 've Never gotten to speak to a person who XXXX. I 've been denied a lower interest rate from XXXX percent. I filed a complaint with the Indiana Atty. generals office and a representative from Ocwen denied I applied for a refinance. They placed me in foreclosure proceedings and chagred me a fortune for their atty. fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
I have paid my 6.25 % interest loan faithfully for 12 years. I finally paid my balance off enough to have 20 % equity therefore allowing me to refinance my loan. I attempted to get a payoff from Ocwen first in XXXX and then again through the lawyer who is handling the refi. He was unsuccessful for a time, but I eventually made it happen around XXXX XXXX. The payoff was sent to the lawyer. My principal balance was somewhere around XXXX on my XXXX statement. I was sure the payoff would be somewhere around XXXX. I received the closing statement XXXX XXXX before the scheduled closing on XXXX XXXX. The payoff Ocwen sent was XXXX. I have submitted a dispute. Ocwen says they need 10 days to research something that should pop up on a computer. 10 days is {$700.00}. Ocwen stalled giving me my payoff ( at least 3 weeks ). They gave an incorrect payoff and are now forcing me to make another {$3500.00} payment to them before I can refinance the loan. I am concerned I may never get a correct payoff. They do not want me to pay this loan off. I am super concerned.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
My house was foreclosed on after I moved out. The mortgage company was Ocwen Servicing. They have never recorded the deed and they have it on my credit as being behind AFTER it was foreclosed. I need to get this record corrected. I looked the property up online and that is where I got the date of XX/XX/2013 when the deed was transferred. I want proof of when the deed transferred back to the bank and no one is giving it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: UT

Complaint narrative:
I am getting charged insurance on a VA loan that already has insurance on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: UT

Complaint narrative:
Ocwen is continuing to update on my credit report for an account that was included in my bankruptcy. By law after a discharged bankruptcy they are not to update and damage credit.

Company response to consumer: Closed with explanation