vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-18 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Ocwen LN XXXX XXXX CA XXXX Short sale was started XXXX/XXXX/2016 with Ocwen. 

On XXXX/XXXX/16 we were told the file was complete. 

On XXXX we were told the investor countered to $ XXXX. 

On XXXX we submitted the Price Addendum to XXXX, HUD, Market Comparables and Contractor Bid for the Value Dispute. 

On XXXX we re-sent all the documents in and confirmed with the Ocwen rep that the documents we submitted for the value dispute had been forwarded to the value dispute team for review. 

On XXXX we were told the XXXX price would be accepted and the file had been sent in for approval. 

On XXXX Ocwen requested a change to the 2nd TD payoff only. They told us the offer was approved and they would send the updated HUD to the underwriting department on a rush for approval. The revised HUD was sent within 15 minutes via email. We called in ( one hour later ) and the rep confirmed receipt of the HUD, said it looked good and sent it in for rush approval. 

On XXXX Ocwen said the file was still under review and confirmed again that the file was marked complete. 

On XXXX We spoke to the Ombudsman department - " XXXX '', who could see the corrected HUD marked received on XXXX, but it showed that the file had not been touched since then, so he escalated directly with short sale management. 

On XXXX we received an email from XXXX XXXX at Ocwen that our offer was too low and we would need to meet their value of XXXX. In that email he referenced an outdated HUD. 

On XXXX, XXXX XXXX reiterated that we needed to meet the XXXX value and that the sale date would not be postponed. We then called the ombudsman 's office to find out why we have been lied to, and the ombudsman does not know. We requested that the sale date be postponed to allow time to negotiate a better offer from the buyer, however XXXX told us that there would be no postponement in the email dated XXXX. 

We are asking for a sale date postponement due to extreme delay in reviewing the offer because Ocwen 's Equator system was not working. This is not our buyer 's fault, and because we had been told several times that our offer of XXXX would likely be accepted, we had not prepared a backup offer.

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

Complaint narrative:
On XX/XX/XXXX I made my mortgage payment to Ocwen Loan Servicing , LLC . XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX phone # XXXX XXXX. My payment was not applied based on my ( 30 yr fixed ) payment being raised by {$290.00}. 
Ocwen 's ration ; the escrow account is XXXX due to an increases in insurance and property tax. In checking with my insurance and and XXXX county tax office there were no increases. My taxes have not been paid since XX/XX/XXXX including {$520.00} in penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Ocwen Financial Corporation
State: WI

Complaint narrative:
I used to think I was really good at finances but have come to the conclusion that I am gulable to people that make things sound like a good deal. It turns out that I realize that the person who helped me with my home loan back in 2004 was quite the sweet talker. He convinced me that changing to XXXX I could save money by consolidating all my bills and vehicle payments into one payment. I should have realized that most mortgage people do n't call you up at XXXX and talk to you until past XXXX putting in family talk along with business. The first time this happened I was happy because I was underwater with credit card bills and he said he could make everything go away. I was self employed and no other bank would help me. He said he would handle the whole thing. He got my payment at {$750.00} which I thought was great but thought some of the fees were high but he said it was just the way he put figures around to make it pay all closing costs etc. XXXX XXXX had just helped my girlfriend who was unemployed save her house and she said it would be worth it so I did. A few years later he once again was approaching my friend and helped her again this time she was XXXX and still unemployed. He asked her if I might be interested in refinancing and I fell for his sweet talk and refinanced. I have had at least XXXX different mortgage companies including XXXX, XXXX XXXX, XXXX, XXXX, Homecomings, XXXX, and my current worst of all Ocwen Loan Servicing. Ocwen has given me false information and recently since I have become XXXX led me to believe I could get help with the Obama refi. I 'm only allowed to talk to my relationship manager XXXX XXXX and that 's by appointment. Another long story where it takes almost 4 weeks for each appointment. This last appointment when I took him up on his promise to remove some charges if I could come up with the amount I was behind he practically called me a liar. 
Is there anyway I do anything?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Cooper Hoffman Klein Associates
State: TX

Complaint narrative:
Apparently this company told a friend of mine that we had written a bad check in 2013 and they are an attorney on behalf of this client. This company shared false information and personal information to people that I know. This company also called my phone and stated they were contacting me regarding fraud charges and wanted to get a defense statement for prosecution. They represented themselves as attorneys. When I asked them for their location to come to their office they stated they were located in XXXX. I told them my attorney and I could come to their office to discuss what " charges '' were being filed against me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
Loan was paid off in a mortgage refinance at the end of XXXX. The timing of the refi was such that I had to make an extra loan payment to avoid a 30 day late on my credit report. A few weeks later, I checked with the old lender ( Ocwen ) to ask when I might have this money refunded. They assured me that I would shortly receive both the overpayment ( approx. {$2800.00} ) and the amount remaining in the escrow account for taxes and insurance ( approx. {$500.00} ). I did receive the {$500.00}, but was told that they needed to hold onto the {$2800.00} 'in case there were any fees associated with the loan ', which made no sense as the loan had been paid off. I have called them repeatedly over the past two months, and continue to receive the same story, always that they are going to send it, but they just need to hold on to it 'in case there were any fees associated with the loan '. Additionally, when you call, you can tell they are just reading from a script, because if you ask any questions, they have literally no answer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
Ocwen Loan Servicing , LLC misappropriated my payment from Monthly Bi-Weekly Administration which was recorded on my credit score with XXXX as delinquent. I have called them numerous times to remedy this with no luck. I have a letter from them stateing that it was all taken care of but it still appeared on my credit score. They have even sent me a Notice of Assignment, Sale or Transfer of my mortgage Loan. They admitted that they were at fault but it still is n't fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Entered into an agreement with homeward residential in XX/XX/2016 to refinance a mortgage. Complied with every request ( many excessive ) for documents, only to have Homeward continually stall and drag out the process. The end result is that I have spent thousands of dollars to refinance, without any action by Homeward to approve/deny the refinance. The rate lock expired - we were guided to extend at " no cost to us '' but Homeward added another point to the closing costs. The rate lock expired a second time, again Homeward added another point to the closing costs. Homeward 's actions show they never had any intention of following through with this refinance, and provided fraudulent documents to keep me from going with another provided. This amounts to a financial loss of more than {$100000.00} due to Homeward 's fraudulent and deceptive business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 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: HW Holding, Inc
State: TX

Complaint narrative:
Apartment Scam-XXXX employs unconscionable practices to exploit Tenants. This is a sophisticated scam to extend the Tenant 's rental term, dramatically double or triple the Tenant 's monthly rent by the use of high pressure sale tactics and written threats by Hunter Warfield to destroy the Tenant 's good credit rating.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
My XXXX Mortgage changed from an Interest Only Loan to 10 year fixed loan. My loan amount is {$35000.00} the changed from 4 % to 4.25 % ( when I ask for an explanation I ca n't get one ). My complaint is they have calculated my payment incorrectly. My payment should be {$350.00}. The first statement I received had my payment at {$400.00} with the conversion to a fixed rate loan when I questioned the payment I was told it was changed to 4.25 %. This would make my payment {$350.00} not {$400.00}. The last statement I received has my interest rate at 4.25 % with a payment of {$410.00}. I have had XXXX conversations about this with the lender who keeps saying they will get back with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I contacted Ocwen Loan Servicing in the month of XXXX. I spoke with a XXXX XXXX, agent XXXX. XXXX regarding an Escrow analysis that I received from them dated XXXX XXXX, XXXX. The statement indicated that I owed an outstanding amount of {$800.00}. In spite of this claim, my upcoming payment showed a reduction from {$890.00} to {$850.00}. The agent advised that I would receive an adjusted Escrow Analysis reflecting updated information. 
I received another updated Annual Escrow Account dated XXXX XXXX, XXXX. The new analysis indicates that payments were received in the amount of {$850.00} of which {$580.00} was for principal and interest and {$260.00} went into the escrow account. 
The above reflects a discrepancy and inaccurate information. The actual amount I paid from XXXX XXXX through XXXX XXXX was {$890.00} as reflected on the XXXX XXXX, XXXX Escrow Disclosure statement. My tax bill for XXXX XXXX, XXXX to XXXX XXXX, XXXX is {$2500.00}. Since I paid {$890.00}, {$680.00} should have gone towards the principal and {$200.00} towards the real estate taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HW Holding, Inc
State: CA

Complaint narrative:
This debt was created when my son vacated his apartment. I co signed for the apartment. When my son left, he left a deposit to pay all bills and enough for additional cleaning if necessary. The apartment was signed off my management as everything was in " ok '' condition. We then got a bill from the apartment claiming they needed to do repairs and were doubled billed for cleaning. I disputes the bill, contacted the apartment management several times, but they never provided any proof that the additional fees were real or necessary. I was physically I the apartment and saw that the additions fees were not necessary. The account went into collections in dispute, verification of the fees owed was never provided. I communicated this fact with the collection agency on several occasions and even evidenced that I contacted the XXXX, but nor the apartment management nor the collector provided any evidence or verification of debt. The most I got was a typed form listing the supposed charges and the collectors right to collect. This debt issue has already been removed from my other XXXX credit reports.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
This is a mortgage loan over 10 years and they still have it active. the home was foreclosed on by the homeowners association which I no longer have the property but they still call to pursue payment. saying that i still have the property I spoke with someone there they told me show them documents that the homeowners accumulated the property and they should Release Me From This death and they not have done so I went back got all the documents and email them and they did n't live up to the word.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I applied for a loan on a rental property with M & T Mortgage. My intentions were to rent out both units and I made that very clear in the beginning of the process. The loan officer recommended a XXXX loan for the reason of the lowest interest rate as this was my first property purchase. At no point did he verbally inform myself I had to live in XXXX of the units. The process was drawn out for over 6 months due to multiple parties on the M & T side leaving and filling in with a new representative. After providing multiple documents we got to the closing week and was informed only a few days before that we could not move forward due to both units being occupied by tenants. The loan office was very unprofessional throughout the entire process ; lacking response for weeks at a time, rude on the phone and most importantly misguiding. It was frustrating not receiving answers and when I did, it was always adding another step my lawyer or myself had to take leading to the 6 month process which ended in backing out of the deal all together.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MO

Complaint narrative:
My mortgage has been paid in full to this company and they are telling 6 months before the lien is released. I need this lien released immediately. I have another bank that I refinanced through that has to place the lien on the property. I have kept calling and keep getting told its " in process. '' No one is helping get this lien released.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
On XX/XX/2017 a letter was sent to To : Ocwen Loan Servicing LLC ; XXXX XXXX XXXX XXXX XXXX ; New York Department Finance Legal ; XXXX XXXX Regarding XXXX XXXX XXXX XXXX We have requested a Discount/ Short Sale Payoff with a release of all claims for the property on XX/XX/2017 through the CFPB. 
On XX/XX/2017 we received a regular payoff quote from the correspondence Team at Ocwen. We have not received an explanation why we are being denied a Discount/Short Sale Payoff with a release of all claims.I 'm also requesting amortization schedule and all information that was requested from The AG Office in New York. As of today we are still waiting for the information Please advise,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
I recently refinanced my mortage taking advantage of a HARP loan thru XXXX XXXX. The process went very smooth and on XXXX XXXX I closed on the loan at XXXX XXXX XXXX in XXXX IL. The funds of {$83000.00} were wired to Ocwen Mortage on XXXX XXXX 2015 and received into their XXXX XXXX Account. The same day of this deposit, XXXX XXXX 2015, Ocwen transfered ownership of the loan to XXXX XXXX. As of today, XXXX XXXX, 2015, Ocwen has not turned these funds over to XXXX XXXX to satisfy the payoff of this mortage. I have been in contact with Ocwen over the last XXXX weeks and have been assured that the funds would be transfered. 

This is a concern to me as I am now receiving letters from XXXX advising that I am deliquent and must pay as soon as possible or I will be in default. I have contacted XXXX XXXX and advised them of this situation as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY

Complaint narrative:
Today, XXXX/XXXX/16, I tried to send a moneygram online, as I have done several times before. I was told that my transaction was " under review '' and I had to confirm the transaction. Then I was told that the receiver also had to call to confirm the transaction. None of this was mentioned in the transaction receipt I received by email. I had to speak to XXXX different persons at MoneyGram and they were not sympathetic at all. The receiver has still not received the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
After a series of unfortunate events ( XXXX and put me out of work, separated from my ex wife, property damaged by flooding not covered by insurance, loss of job ) that all occurred within 1 year, I was no longer able to afford the mortgage payments on my house and I went into foreclosure. After securing a well paying job two years later, I applied for a loan modification and was denied. When I asked Ocwen about what options were available to me, they told me that I could apply for a deed in lieu of foreclosure or do a short sale on the property. They told me that then deed in lieu of foreclosure option takes around 90 business days so I chose to pursue that option. I filled out the application in XXXX of XXXX. In XXXX of XXXX I signed an agreement to the deed in lieu of foreclosure and as of today, XXXX XXXX, XXXX the deed in lieu is still incomplete. Every time I call them for an update, they give me excuses as to why the deed in lieu is n't complete. At first they told me that it was hung up in legal. They used that excuse for several months. Then they said that there was a problem with the title. Then they were telling me that the VA was making it take forever. Now they 're saying that there is a lien from XXXX XXXX. In XXXX of XXXX, I became fed up with their excuses and decided to conduct a short sale so that I could be done with the house finally. I was notified by a real estate agent that I could n't sell the property because I did n't own it as of XXXX XXXX. Apparently they took possession of the property in XXXX XXXX and nobody that I spoke with at Ocwen knew it. If Ocwen would have been honest with me in XXXX of XXXX and told me how long it takes to complete a deed in lieu of foreclosure, I would have just sold the property right then.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Called after sent written cease of comm
Company: AmeriCash Holding LLC
State: IL

Complaint narrative:
Consolidated the payday loan from Americash with XXXX XXXX XXXX. Americash repeatedly calls me regarding this loan. XXXX XXXX XXXX has power of attorney and they sent a cease and desist letter not to contact me at my place of business and today, XXXX XXXX, they called both my cell phone and my business phone.

Company response to consumer: Closed
Consumer complaint received 2017-01-12 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Integrity Solution Services, Inc.
State: CA

Complaint narrative:
I have no knowledge of said debt and I would like it removed as it 's reporting to the XXXX ( as an OPEN account ) and negatively affecting me. XXXX. This information was also shared illegally ( third party ) without my informed consent. XXXX. I would like this debt to be removed from my credit profile as it 's reporting negative to all XXXX major Credit Bureaus and negatively affecting me.

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