vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
I am the personal representative of my mother 's estate. After she passed, my brother decided to move into her home ( ie make it his primary residence ) and take over the mortgage payments. From my understanding of the XXXX XXXX XXXX XXXX XXXX of 1982, my brother, who meets all of the definitions of a an immediate family member, and meets the primary residence requirement, is able to take over the loan without qualifying, refinancing, or changing the name on the deed from our mother 's name to his name. 

However, I continue to get harassing phone calls from the Ocwen servicers asking for me to change the loan over to my brother. I have provided updated contact information, and my brother has been up-to-date on all mortgage payments. I would like the phone calls to me, especially during work hours to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 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: VA

Complaint narrative:
I co signed for my sisters apartment. I agreed to help her with her first year. After the first year my mom, and my sister went into the rental company, and told them to take my name off. That i didnt want to be on it for the second year, and that I wasnt going to sign again. They told my mom and sister, no worries he doesnt need to. At that point my mom offered to go on the lease with her to replace me as well. They told her she was not needed either, all payments were made on time, and my sister was fine. The rental company clearly knew I wasnt ok with being tied into the lease agreement for a second year. My sister got in legal trouble towards the emd of the lease. The rental company calls me saying i am responsible for the place and that I need to come get her stuff. I made it clear then I was to be removed from the lease. They started to argue with me so I went in in person. They told me they just wanted to get her stuff out that they were not going to come after her to collect on the lease. So I dropped it and removed her belongings from the apartment. Well a couple months later I get a bill for XXXX + dollars. I called immediately and was given the run around again. I asked for a copy of the lease they said sure come pick it up. I drove the whole way to them, and they said I cant have a copy of the lease. They also refused to give me a copy of the move out report from my sisters roomates for the first year she was there. As alot of damages that were on this bill were done by them, as well as my sister. They could not produce those documents either. I told them I wasnt responsible for the debt. I have told the collectiom agency the same story, and the gentleman on the phone tried to threaten me. Saying I will mo longer be able to buy a home, or a car with my credit of I dont pay. Which is a total lie and made me angry. I secure loans for people for a living other than this mess i have over XXXX on time payments on record without XXXX late payment. I pay MY debts. However this collection needs removed from my credit immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I opened a new chase XXXX preferred card a few moths ago. I figured it would be a good card for when I traveled abroad. Before I left on my trip, I signed up for their autopay program. I was gone for XXXX weeks. When I came home, I noticed that I had a balance from the previous month. I called chase, and the rep told me there are some purchases that do n't qualify for autopay. I had no idea why, but I felt I had no choice to pay the interest. If I had made a mistake not reading some fine print, it was my fault. I called them back and asked the rep to use my bank account to pay off my balance. He said he would take care of everything. My balance and any interest charges I owe would be taken care of. This was 3 months ago. I have since received a couple of hundred dollar charges on every statement received after. When I inquire about it, they tell me they are residual interest charges. Not sure why I 'm paying residual charges when everything should be paid off and I was specifically told by the representative that I would be starting on a clean slate after I paid off my balance. I 've had many credit cards over the last XXXX years. I 've never XXXX paid interest until 3 mouths ago. Very frustrating to deal with their customer service. They are charging bogus charges to make money.

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

Complaint narrative:
Due to a loss of income last year ( $ XXXX/mo. ) I applied for a loan modification through our lender, Ocwen Loan Servicing XX/XX/XXXX. We were approved for a modification and made our first trial plan payment XX/XX/XXXX. We successfully made our 3 trial plan payments and continued to make payments to the mortgage company after the trial ended. We started calling them XX/XX/XXXX as we had not received our completed modification papers to make the modification permanent. We spoke to our relationship manager three to four times a month requesting our paperwork. We were always told that the paperwork was with the underwriter and we should have it " soon ''. We finally received our paperwork XX/XX/XXXX. We had the papers notarized on XX/XX/XXXX at the bank where I included a cashier 's check for the monthly payment as Ocwen had requested and mailed the papers that day. When I called in XX/XX/XXXX to make my house payment I was told that my loan modification was denied because they did n't receive the paperwork within the allotted time frame of 30 days. When the customer service representative looked into it further we were told that they had in fact received our paperwork on XX/XX/XXXX and that the modification was denied on XXXX XXXX. When we asked why they told us it was because the lender had that right. We called numerous time after that and we were told that it was being sent to a supervisor and that they would fix it. I tried to make a house payment in XX/XX/XXXX and they once again would not accept my payment due to the denial. On XX/XX/XXXX I received notification that my loan had been referred to a law firm for foreclosure. We never received anything from Ocwen stating that we were in foreclosure. When I spoke to yet a different customer service representative I was told to just fill out another request for modification. I did that and submitted a complete application XX/XX/XXXX which was later denied because we had submitted a XXXX application within a years ' time. In XX/XX/XXXX I was told by another representative to send an email to the escalations department asking them to look at the original denial. On XX/XX/XXXX we received notice that the denial was overturned and that they were approving our modification. I was able to talk to our relationship manager on XX/XX/XXXX who told me that he had to ask the research department to confirm that we had made all of our payments. About a week later we received documents in the mail showing payment history starting XX/XX/XXXX but none of the payments from XX/XX/XXXX. Ocwen is now telling us that we are in default again due to no payments being accepted by them since XX/XX/XXXX. As of this week our relationship manager is still unable to give us any information as to how we are to proceed from here. I would greatly appreciate any suggestions that you can offer at this point. We want to keep our house. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
I disputed the balance and status of my mortgage lender and servicer on several occasions to various agencies. On XX/XX/XXXX the grantor reported to XXXX Credit Reporting agency that the dispute was settled by the grantor, the balance is zero and the account is closed. I was not aware that the grantor closed the account with a zero balance until XX/XX/XXXX. Ocwen has not updated any bureaus regarding this account since XX/XX/XXXX and Ocwen has decided to Non-Renew its forced placed insurance on the property. Upon finding out about the XXXX balance I contacted the attorney for the lender and its servicer and substitute trustee informing them that the balance was zero and the default no longer existed. I also asked if they were still claiming that a balance was owed that they should notify me. Despite the account being closed with a XXXX balance Ocwen provided a reinstatement amount in excess of XXXX. Since the dispute has been settled and the account closed Ocwen and its agents and officers are violating the law by attempting to collect on an account where there is no balance and the account is closed. In XX/XX/XXXX Ocwen signed a consent order in federal court stating that it would refrain from certain actions and were made to make payments to homeowners that had a valid complaint. I filed my complaint in regards to the National settlement and was awarded a small check. Ocwen has continued with mishandling of this loan despite its consent order.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: ME

Complaint narrative:
I have XXXX violations from Ocwen Loan Servicing, first is a violation of the FDCPA in over contacting me ( 5 times in a 7 day period ) and I have been lied to when requesting to be able to pay my own homeoweners insurance and removing it from my escrow payment. 
Third, I have been viloated in my privacy under Graham Leach Bliley Act, when Ocwen without my permission contacted my insurance company and conducted business without my expressed written or verbal consent

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
I have been sending extra money to Ocwen to be applied to my principal balance, yet they continuously fail to do so. Ocwen sent a letter to my attorney alleging the issue had been resolved ( see letter ). 
Yet, money is in suspense, as opposed to being applied to my my principal balance. They claim my next payment is due in XXXX XXXX, however, it all of my extra money has been applied to my account-then my payment is due for XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: HW Holding, Inc
State: CA

Complaint narrative:
In XXXX I move out off apartment that I was renting. 
Deposit of {$500.00} was in question when I left the property. 

XXXX XXXX sends this account to collection, without notification. 

The only balance was left was {$500.00} prorate rent for XX/XX/XXXX, but they did not return my deposit. 

My balance was at the time {$500.00} to XXXX XXXX apartments In XXXX XXXX, CA. 

Last year trying to build credit, lender run my credit and shows a balance of {$2000.00}. 

I request the credit companies a validation of the account to find out : -How they came up to this balance? From {$500.00} to $ XXXX-I offer a Settlement-I offer a payment plan with something in paper to reflect this agreement. 

They came back with, I had to pay or there attorney will proceed ; know collection calls asking me to pay full balance. 
When account was Charge off. Status of Limitation was check in California is 2 year. 
I started contact ; I initiated conversation and XXXX call. 
I submit a request to the credit bureaus but, they only send me a charge statement from this Agency. 

Company failure to comply with : -break down of fees-copies of the original contract-provided name or manes of account ( Attorney ) - Harassing me with calls- Company failure to comply with copies of records within 30 days. 
-refuse to work with me-damage my credit - reporting account I was not informed I had. 

Please see attached documents I have send to credit companies. 
Please, know I am asking for deletion of the account. 
This collection had created a financial impact in my credit for many years. 
Not able to obtain credit, not employment. 
Creating, : Stress, fair, and emotional stress that have affected the stability and peace on my family. 

Thank you!! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
I really just wanted to say to you guys that you take the time out to sue XXXX over credit cards!!!!!! really!!!!! you also sued ocwen loan co for their fraudulent impropoper practices but just let them keep doing it after they have been sued,,,,, ,they and wells fargo are now taking our home bc you guys do n't do your job!!!! thanks for being there for us homeowners begging you for help ... I think your all crooked!!!!! I honestly believe you are all in on it together!!!!! shame on you all!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: IN

Complaint narrative:
In XX/XX/XXXX I filed Chapter XXXX bankruptcy and did not include my house in the bankruptcy. Ocwen is my mortgage company. I was able to continue making payments towards my mortgage up until XX/XX/XXXX. My last payment accepted by Ocwen was in XX/XX/XXXX. I made a phone call to Ocwen on XX/XX/XXXX at XXXX Central time. During that conversation I was transferred to the bankruptcy department. The purpose of my call was to discuss why I was unable to make a payment in XXXX both over the phone and on the internet. The customer service representative would not allow me to make a payment. He stated that because I had declared bankruptcy my loan was then transferred to the bankruptcy department which is why I was not allowed to make a payment. The CSR stated that Ocwen had not received my reaffirmation agreement from my bankruptcy attorney, advised me to contact my attorney, have my attorney fill out the reaffirmation agreement, and fax it to Ocwen. He stated this had to be done in order for Ocwen to start accepting payments. After much back and forth between my attorney and Ocwen I learned that the information your CSR gave me was incorrect and that I should have been able to make a payment. Due to this I fell behind on my mortgage and then unfortunately lost my job early XXXX of this year. By the time I had all the information from my attorney and Ocwen, Ocwen then would not accept any payments unless the behind balance was paid in full. I was told that since the account was greater than 90 days overdue they could not accept any amount of money except the full amount. This incorrect information created quite a problem for me. When I found out that the information this CSR gave me was incorrect from another Ocwen CSR I was told " I 'm sorry you were told the wrong information but they should have been able to take a payment, you were n't speaking with a bankruptcy team expert. '' How in the world was I supposed to know that when I got transferred to the bankruptcy department that XXXX. I was n't speaking with an expert and XXXX. That the information he was giving me was incorrect and that a payment should have been accepted!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 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: CO

Complaint narrative:
I was never on a lease with at a rental building called XXXX. i lived in the complex briefly but was never on the lease and only stayed there temporarily. Just recently I was contacted by a collection company stating that i owed XXXX. This ca n't be as I never was on any legal document. I 've attempted to have them send me the proof of debt to no avail as well as try to have the item removed by going directly to the bureaus. They are negatively affecting my ability to get a home loan at this point and I have no other place to turn. Please assist in any way that you can. Thank you

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
In 2009 XXXX XXXX for imposed forclosur on my house, They deneighed me the HAMP program saying I did not qualify. They sent letters of a offer of a loan at a unmanageable amount and proceeded to for close. I made check by phone the last whole year and a half. They would post payment up to XXXX months time and immediately hit my credit .Six months ago I pulled my report and it showed only XXXX XXXX day and XXXX XXXX day on both XXXX XXXX and XXXX. I filled a complaint to show loan was paid and on time. They XXXX XXXX Responded by adding XXXX - 90 day latest to my credit .I feel taking my house wrongfully is not enough ( XXXX XXXX ) of a hardship but they have to add the Credit Insult to financial InjuryInjury .XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
I got a mortgage having to put it under an LLC with XXXX who turned out was not licensed but the loan was a XXXX supposedly it was XXXX then XXXX then XXXX then XXXX XXXX who said they were not the mortgage holder. anyway I built a new building and got XXXX ' on on my LLCs property XXXX foreclosed and took my property purchased by XXXX XXXX XXXX I found out XXXX was owned by the loss mitigation director XXXX XXXX and Ocwen Financial Services which is conflict now they are trying to take my new building claiming they own the XXXX ' even though the deed is in my name. they signed the sale as purchaser XXXX XXXX XXXX VP a XXXX employee then assigned it to themselves from XXXX XXXX VP of XXXX I learned Ocwen Financial services was the straw buyer from a XXXX investigator these are all top officials who have been stealing property

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
We suffered a severe hardship in XXXX when my husband was put in the hospital XXXX..We have been applied for XXXX Loan modifications since then and was denied because I had in XXXX 2013..I was told I had to wait until XXXX to apply and I completed the package with all documents needed and today they said I was denied claiming it was not 24 months when I actually started the modification in XX/XX/XXXX 2013 with the trial period and the Permanent Modification was approved in XX/XX/XXXX.2013..Please help me ...

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
What happened? I have a previous complaint filed with your organization against Ocwen Loan Servicing LLC . The Submission # is XXXX. The complaint status button is not working so I am submitting my complaint via this site. I initially requested to close my escrow account and to make payments directly for property taxes and hazard insurance. After much delay Ocwen denied my request and gave numerous reasons by varying sources such as : ( 1 ) The property is a planned unit development ; ( 2 ) The property is an investment property ; and, ( 3 ) The property must be owner occupied. It was extremely difficult to speak to someone in their escrow department by telephone. They became more responsive once Consumer Protection Bureau got involved. 
Further, they are holding excessive amounts in an escrow account as they have erroneously captured the amount of hazard insurance I pay each year. They continue to hold the incorrect amount even though I have provided numerous letters with the correct amount and they have also contacted the insurance company. I have sent documentation to your organization and have attached below the correspondence between Ocwen and myself for the past 5 months. You can clearly see I requested an escrow account review due to the erroneous insurance premiums they show in their system to no avail. 
In the most recent response ( dated XX/XX/XXXX ), Ocwen stated, " In accordance with California Financial Cose, under Division 6 section 17000, Ocwen must not require a borrower to have an escrow account for property taxes, insurance premiums, or other payments regardless of payment history, if the property is a single-family, owner-occupied property. '' I met all of their conditions to have the escrow account closed ; however, I believe they are using this statement as some type of loop hole to surreptitiously and in bad faith deny closing my escrow account. Further, they show hazard insurance as {$1300.00} when it is only $ XXXX year and was aleady paid by me in XX/XX/XXXX and not due again to XX/XX/XXXX. This error causes them to hold an excessive amount of my money in an escrow account. Furthermore, and to add injury to insult, they say I have an escrow shortage when if they correct the issue it would be an escrow surplus. I continue to go back and forth with them to no avail, while they continue to hold excess monies in my escrow account and to circumvent their own rules and misrepresent current CA law and not close my escrow account.

Company response to consumer: Closed with explanation