vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
My wife and I are trying to sell our home but during the title search they found a satisfaction of mortgage from 2003 for {$22000.00} which was not recorded by GMAC in the county records. That mortgage was paid off during a " refi '' by another GMAC loan one month after the {$22000.00} loan was taken out. We were directed to Ocwen to retrieve this document and have contacted them by phone, fax, and e-mail numerous times but with only one response back saying they need more info. I decided to drive to the headquarters about 1 hour away from my home but after giving them my SS #, address, and loan number they told me that I was not in the system and they could not help me any further, he also advised me to contact there research department which is who we sent all our faxes and e-mails to from XX/XX/XXXX. I am currently in the 3rd extension on my home and the home we are purchasing. We are currently paying an extra {$250.00} to lock in our buyers rate since his rate lock has expired. In addition, we are in jeopardy of losing the house we are trying to purchase, which will also jeopardize our {$10000.00} deposit. I feel we have been extremely patient with this company but we have been grossly ignored over the past 30 days trying to obtain this document. I am a business owner myself and I feel this lack of customer service is incredibly ignorant in this day and age with unlimited lines of communication in which they can, at minimum, contact me and let me know they are at least working on this issue. Unfortunately the only communication from them came to us in the mail asking for more information on XX/XX/XXXX. We responded to there request but as of XX/XX/XXXX we still have no communications with this company. I will be retaining a lawyer to pursue this issue further on Monday XX/XX/XXXX but unfortunately we are not made of money and are only willing to do this to try and keep our deposit. We have come to terms that we are inevitably going to lose our dream home, and lose the sale of our home as well. This document affects the financial and mental well being of XXXX families all waiting in limbo, living out of cardboard boxes and sleeping on mattresses on the floor. All XXXX families have been packed and ready to move from XX/XX/XXXX and all because of this simple document which nobody can help us with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-27 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Ocwen Loan Servicing is committing fraud against me. 
XXXX XXXX Sheriff Case Number : XXXX See evidence attached. 
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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: WA

Complaint narrative:
Ocwen Loan Servicing holds the second mortgage on my home. At the time I filed a Chapter XXXX Bankruptcy my payments were current regarding this loan. Ocwen stated that due to my current bankruptcy status they could no longer accept payments towards this loan. There was no basis either contractually - in the promissory note, or legally - as a result of the bankruptcy filing, for the beneficiary or its servicer to refuse to accept my payments. Instead it was a ploy to try to force me to sign a reaffirmation agreement on this debt, which I had no legal obligation to do so. Now they are attempting to add late fees and foreclosure fees to my loan balance, fees that were incurred as a direct result of their own unilateral action of unjustifiably refusing to accept payments. This is, to my view, an unfair and deceptive practice towards me that was likely repeated with many other consumers. I have suffered damages in the amount of lost wages, legal fees I incurred in fighting the foreclosure and doing the mediation and in the amount of late fees and foreclosure cost being tracked on the end of my loan balance. I lost my father less than a year ago and this additional stress caused by the threat of foreclosure has been unbearable!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
My current subprime mortgage provider is OCWEN. I have a 15 days grace period to pay without late fees. However, it is only available before and up to 10 days after your due date. Between the XXXX15 days in order to pay online, we are charged a {$10.00} fee. I have tried mailing my payment to avoid the {$10.00} fee but always they claim they did n't receive it which makes it worst because then it is a 5 % late fee. If I have a 15 days grace period then it should be free to pay online.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16 00:00:00
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
XXXX XXXX XXXX, XXXX, as Indenture Trustee for the Registered Noteholders of XXXX XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ) was to provide notice of assignment within thirty ( 30 ) days of alleged acquisition of my note and mortgage in XXXX XXXX. But, never did such. My lender, XXXX XXXX XXXX, went out of business and shuttered its doors in XXXX. Yet, 3 years later Ocwen Loan Servicing , LLC ( " Ocwen '' ), modified my mortgage in XXXX XXXX and used a robo-signer to endorse the modification agreement. Then, 7 months after modification, Ocwen, with the assistance of MERS, prepared an Assignment in XXXX XXXX from XXXX Mortgage to XXXX. Thus, in XXXX XXXX no lender could have authorized Ocwen to continue to accept mortgage payments, better yet modify my loan and mortgage. Further, it was impossible for XXXX XXXX to authorize any real property transfers in XXXX XXXX since it had closed 3 years prior. Also, the Assignment that Ocwen prepared was for a transfer from XXXX Mortgage to XXXX. However, an endorsement is affixed to an Allonge wherein my loan transferred from XXXX Mortgage to XXXX XXXX, so my loan could not have transferred from XXXX directly to XXXX. Next, the Assignment prepared by Ocwen in XXXX was largely executed by robo-signers : XXXX XXXX, XXXX XXXX, and notary XXXX XXXX. Last, the Assignment is executed by MERS in its individual capacity ( by an Ocwen employee ) and not as a nominee for any party. But, MERS was never my lender and thus not the party to transfer my mortgage from itself to any other party. Consequently, there was no valid assignment of my loan and mortgage from XXXX XXXX prior to its closure in XXXX and Ocwen has clouded my title with its illicit conduct. Despite the fact that XXXX has not obtained the legal right to foreclose my mortgage, in XXXX it commenced a foreclosure action based on the above described fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
After months of trying to determine why my escrow went up after my property value declined. I discovered that I was erroneously charged ~ {$1100.00} for liability insurance when I already have liability insurance through my XXXX XXXX. I faxed copies of the master policy months ago and never heard back. I did call to check but no XXXX in their customer service department speaks XXXX as a first language. Therefore no one understood my complex questions and I got frustrated and moved on. Then months later, after finally emailing the Ombudsman, I am sent all the documentation regarding my account and see this insurance premium that I did not authorize. I called the next day I was told by a XXXX speaker on the phone that a copy of the policy must come from the Insurance Company which is totally untrue. A valid copy of the policy is a valid copy of the policy. I did not have these issues when XXXX XXXX XXXX was my lien holder. They accepted all the documentation I submitted. 

I again faxed copies of all the insurance policies for the past three years, uploaded them to the website ( I was told to do this on the phone from a manager but honestly there was nowhere to do this except for the section marked for refinance applications ) and sent copies to the Ombudsman via email. On the phone, I dealt with a rep and a manager, XXXX of whom did not understand my questions and insisted on reading from a script, which meant that none of the responses matched my questions. I repeatedly asked for a timeline for a refund and was finally told that my account would be " credited '' if after XXXX14 business days, they find the policy to be valid. I would then need to contact another office to have the credit processed into a refund. I am extremely concerned that I will never receive my refund despite the fact that it was their clerical error that they lost or did receive but did n't accept ( the story kept changing ) copies of my liability insurance policy. None of these issues were communicated to me after receiving the initial request for a copy of my policy. The fact that I can not intelligently speak to someone on the phone regarding my problem is also a huge issue. 

I can not wait for the day until my mortgage is sold again away from this terrible company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: AmeriCash Holding LLC
State: SC

Complaint narrative:
I 've asked Americash Loans to stop contacting me several of times, and to only contact me through mail, yet they still call me. I received a call on Monday in which a guy told me that legal actions will be taken against me, and this evening XX/XX/2017 a lady by the name of " XXXX XXXX '' claiming to be an supervisor called me after I 've told them to stop calling me. A previous rep called me ignorant as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Insurance Claim on Primary Residence. Mortgage Company mishandling my funds for repair of loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Revenue Recovery Corporation
State: FL

Complaint narrative:
On XXXX XXXX, XXXX I went to XXXX XXXX XXXX XXXX and I received attention in the XXXX. On XXXX XXXX, XXXX I received a hospital bill stating that I had to pay {$450.00}, which I paid in time. On XXXX XXXX, XXXX over a year later, I received a notice from a company called XXXX XXXX XXXX and they informed me that they are a collection agency that took over the account of the company XXXX XXXX XXXX XXXX XXXX XXXX which was a company charging me {$1500.00} for the doctor 's bills. They were charging me because I did not pay. I called XXXX XXXX XXXX XXXX XXXX XXXX and asked them why they sent me to collections if I did not receive a notice from them for over a year. They told me that they did try to communicate, but they never received a response and I asked them why is it that they say that they tried to reach me when I never received any notification but received a letter from XXXX and they did have my correct address and means to reach me. They advised me that they could not do anything because the account was in collection. I called XXXX XXXX XXXX and made payments arrangement. So far I paid XXXX a total of {$500.00}, with my last payment being made on XXXX XXXX, XXXX. On the first week of XXXX XXXX, I received an online notification from XXXX stating that I had an open account place in collection from another company named Revenue Recovery Corporation from the amount of {$1200.00}, which is a surprised since I paid to XXXX {$500.00}, so the amount should be {$1000.00}. Where the extra {$200.00} came from? I called XXXX to asked them why they sold my account to another collection agency. They answered me that the account was closed by the original creditor and I should call the original creditor which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I called XXXX XXXX and they told me they do n't know why XXXX closed my account when I was making payments. I called the other collection agency Revenue Recovery Corporation and ask them when are they planning to inform me about this account on my credit report. To this day XXXX XXXX, XXXX I did not receive any kind of communication from them. Is this tactics legal? Is this the right way to conduct business? I want to complain because the company XXXX XXXX XXXX XXXX XXXX XXXX sent me to collections without notice after a year. I also want to complaint about this new collection agency Revenue Recovery Corporation as they say I owned {$1200.00} which in reality it should be {$1000.00}. Why are they charging me {$200.00} extra? Why did they report me on my credit report when I was paying to the other collection agency?

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 2015-07-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
We issued Ocwen Loan Servicing a notice of void/rescission demand of a refinance for our principal dwelling, that was done in XX/XX/XXXX. We found out that the entire transaction was a sham. We agreed to an FHA Negative Equity Refinance loan. At the time we had no knowledge and were being pressured by XXXX to pay XXXX a month even though our payment was around $XXXX a month. While into our 3rd month of making these payments, Mortgage Services XXXX, offered us an unsolicited refi, at the bequest XXXX for the FHA loan. 
    We were told, that the loan would reduce our principal balance and lower our monthly payment. According to our final XXXX statement, our principal was listed at XXXX and our payment was listed as XXXX. According to the appraisal, our home's value was listed as XXXX. To qualify for an FHA negative equity loan, we had to owe more on the home than it was worth. According to the attachments, you can see this was not the case.
    On the Hud-1 It shows our principal balance as XXXX and our monthly was listed as XXXX. All of this information is blatantly false. The payoff statement from XXXX listed the payoff amount as XXXX with no information to explain why it was so much because the XXXX statement the month before stated our principal balance was  XXXX. 
   The Supreme Court Ruled that all a consumer must do to rescind a refi on a principal dwelling is to send the creditor notice. We sent Ocwen several and Ocwen is noncompliant on all of them. We sent the first demand to void the loan on  XX/XX/XXXX Ocwen sent us a denial and they did not file anything in court to declare they are the creditors within the 20 days they had to dispute the rescission. It has been almost 2 years and Ocwen did not file anything in the Court for a declaratory action, and because of this they have no recourse, the loan has been void since XX/XX/XXXX, as are the note and the debt. They are time barred to do anything at this point, they are in no way entitled to relief, and they still have not begun the process to unwound our loan, they have ruined our credit illegally, and they are going against the very thing Congress and the CFPB laws that are used to help the consumers. We had only to send them notice for rescission and from that point forward the security instrument Ocwen has is null and void. They have not given us any of our money, they have illegally ruined our creditor and they have been engrossing in improper litigation for almost 2 years, when a rescission is instantaneous. 
    The ruination of our credit has caused us many hardships, due to costly repairs that we have needed for our home, auto and healthcare. We went the entire XXXX with a broken heat-pump and now it is the XXXX and our A/C is broken and we can not get financing because of Ocwen and we can afford to replace it because our daughter has to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: NE

Complaint narrative:
Received foreclosure notice in XXXX 2015 from Ocwen, during the same time that I underwent a XXXX ( XXXX XXXX ) .The house was scheduled for auction XXXX. I submitted the modification package as well as all requested documents by fax on XXXX XXXX. Ocwen stated there were documents missing, which I emailed twice and uploaded directly to their website. They then said it was too late to stop the foreclosure, but then stated they would send an email and try to stop it. I was told this on XXXX XXXX, XXXX, and XXXX. On the XXXX I was told to call the morning of the XXXX, which was the sale date, to see if the sale was stopped. My daughter called and was told it was too early to tell and to call back later in the day, and that the agent would also call us when he knew the status. We checked the website later that day and it now stated that the modification was in review. The agent called my daughter on XXXX to also advise the sale was stopped and the modification was in review. I received a letter dated XXXX stating the same. We have been checking the website daily to see the status and it still, as I type this, says it is in review. However ; I called last week to check status and was told the property is now real estate owned. My daughter immediately called the local assessors office and was told the deed was still in my name. My daughter spent hours on the phone with Ocwen, left messages with the real estate owned division XXXX, which still have not been returned, and finally spoke with someone who looked into the account and could see something was wrong. The agent said Ocwen has XXXX systems and XXXX said the loan was in modification review and the other said it was real estate owned. The agent stated that on XXXX there was a note stating the foreclosure did not go through and the loan was in review. The agent advised my daughter she would call her Monday, XXXX, with a status update, which she did not make, My daughter left her a message which was returned today, in which the agent advised the house is real estate owned. She said the modification had been denied XXXX times, and my daughter tried to explain that they were denying it because they were saying there was documentation missing, which is why the actual review did not start until XXXX. She also mentioned the letter dated XXXX and the fact that the website still says we are in review, but was met with an unconcerned response. She also mentioned we have received no documentation regarding a sale, or a modification denial. They are saying there was a sale, but we are unable to find any record of this sale with the register of deeds. Please help. We have had this house for 29 years, my daughter and her family live there and have nowhere else to go.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UMPQUA HOLDINGS CORPORATION
State: WA

Complaint narrative:
Umpqua bank allowed a transaction of {$180.00} out of my checking account from a garnishment, then charged me an additional {$120.00} in fees. My paycheck that Friday was only {$300.00} and my checking account consisted of only XXXX dollars and change prior to my direct deposited check. They wiped my entire account to XXXX balance then closed it. When I requested all funds be refunded as that was my very last paycheck prior to going on XXXX which could take weeks to process prior to receiving any payment at all. I 'm a single mom with now not a dime to feed, clothe or shelter my own children. I did not have the funds to garnish, I did not have a phone call, a letter or any notification of this transaction and if I had I could have paid the garnishment and at least had XXXX to feed my children. This was a violation of my rights and should be illegal,, I 've been robbed from my own financial institution who I have trusted. This bank is refusing to help me in this matter in fact blaming it on the creditor XXXX, stating they should be responsible for the fines and fees ... .but here 's my question " should n't the creditor and the bank allowing a garnishment have the same laws set before them to fully understand the allowed amounts to be taken according to the amount in the account? They took more than double 25 % of my wages that week and Umpqua finished my account off after. They are XXXX.

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 2017-02-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
In XX/XX/2005 I was put on a transplant list. I had just retired and I only had XXXX After the XXXX claim my premiums trip tripled and benefits were cut by XX/XX/XXXX. With all of the medical expenses, I was forced to refinance and an online broker filled out the paperwork so I would qualify for their XXXX XXXX. I was desperate and sick. I was being charged up to XX/XX/XXXX XXXX % on a house that was under water! The loan was bot and sold many times to different ( Loan Servicing Companies " Debt Collectors '' ) I finally was able to receive a Loan Mod. 
From XXXX ( Really Crooked ) that took about a year and a half! It was affordable at first, but now the interest rate is making it unaffordable again! The loan now is owned by Ocwen Loan Servicing ( More Crooked than Any Debt Collector )! Impossible to deal with! 
In XX/XX/XXXX I sent a Certified Letter & Claim re : The XXXX and the original DEED that was fraudulentl from the start. It was made by XXXX Mortgage in XX/XX/XXXX 
Ocwen has never replied the XX/XX/XXXX Certified Mail. All they have done is send me copies of the original Loan Modification Documents and avoid/ignore the fraudulent claim against them! 
They are stalling because my house is now longer under water and they would love to own it! 
I am now XXXX years old and try to work as much as I can, but I 've had a XXXX, I 've had over XXXX in my lifetime and still do have XXXX removed about every XXXX months, due to a compromised Immune system from trans plant. 
I would sure hate to be on the street at my age and condition!

Company response to consumer: Closed with explanation