vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-14 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
The Law is the Law! Statue of Limitations law and laws for violating peoples rights are listed below. 

MGL Chapter XXXX Section XXXX MGL Chapter XXXX Section XXXX. Actions of contract, other than those to recover for personal injuries, founded upon contracts or liabilities, express or implied, except actions limited by section XXXX or actions upon judgments or decrees of courts of record of the United States or of this or of any other state of the United States, shall, except as otherwise provided, be commenced only within six years next after the cause of action accrues.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
Ocwen loan is reporting to XXXX credit reporting agency I am 120 days late in XXXX XXXX, the house was sold in XXXX and I did not have a open loan with this company, they have not taken it off my credit report which is in direct violation of the Fair Credit Reporting act. They have a closed account stating 120 days late in the status area of their account on my credit file. This is causing us to be unable to fund a new home mortgage. I have filed disputes with XXXX and contacted Ocwen to be told they have to look into this and have 15-30 days, I have supplied copies of the XXXX information and the paperwork they filled 120 days after we sold our home in XXXX with our county tax accessor to prove my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Commonwealth Health Corporation
State: OH

Complaint narrative:
I got a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , DE XXXX They said they are collecting a debt of {$710.00} and if I do n't pay it they ill report it to Credit Bureaus. They did n't tell me what the debt is from. When I called the number on the bill it went to voice mail. I 'm not sure if this is a legitimate company. I googled the name of the company and found another number to contact them. Gave them the reference number on the letter representative wanted my social security number, which I refused to give it to him. He said he ca n't help me if I do n't give it to him. I said I do n't know if this is a legit company. He transferred me, the next person verified my social and said they will send a more detailed report.

Company response to consumer: Closed
Consumer complaint received 2016-10-18 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Ocwen removed remarks from the optional remarks section of my credit reports and my scores went up. Today I received a notice from XXXX XXXX that Ocwen was once again adding the score lowering remark. 
This is blatant credit score manipulation. Ocwen is engaging in tactics far more damaging than XXXX XXXX ever imagined possible. Please investigate this ongoing credit score manipulation which allows Ocwen to trap homeowners, force them to remain with Ocwen rather than refinance at better rates via credit score manipulation. 
My credit score drops every time Ocwen does this and they do it every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: SLM CORPORATION
State: PA

Complaint narrative:
Sallie Mae made my pay for forbearance up to 12 months for the life of the loan for up 3 months at a time because I could n't afford to pay my loan. 

Got from article against Navient law suit. In other cases, borrowers who would have qualified for lower-income-based payments under federal law were instead steered to something called " forbearance, '' which allowed them to skip some payments but saw their interest mount up, unnecessarily increasing the total they supposedly owed.The CFPB claims XXXX may have collected XXXX in interest it should n't have from putting people into forbearance, often multiple times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
Made each monthly payment ; however did not get credit for six payments in XX/XX/XXXX and none in XX/XX/XXXX when I was sending in cashier checks by certified mail ... ... treat foreclosure from Ocwen ... 
Had an attorney that did not help only insisted on modification ... .now we are out major money, credit destroyed ... .Help needed what are the options?????

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
Hello, So in regards to complaint number # XXXX and # XXXX we still have n't heard form our relationship manage XXXX XXXX from Ocwen Mortgage Co. and still have n't resolved the issue that THEY, OCWEN XXXX up our escrow in XXXX of 2015 by not including the hazard insurance. I have received this letter pertaining to the agreements for our HAMP program and loan modification denial by the so called " investor '' whom which either Ocwen or the " investor ' is constantly sending us paperwork stating or loan is overdue and will proceed to foreclose. Also constant inspector fees of people driving past our home, why do we yet again have to pay for that? We are making our payments and including the late fees but yet still receiving threatening letters regarding losing our home? {$1500.00} is too much to be paying for their mistake!! When is someone going to take action for Ocwen constantly trying to push people out of there homes? The one who did the escrow analysis last year should pay for the mistake, not us the homeowners. There was a difference in taxes from XXXX, only {$65.00}??? Also the hazard from last year to this is XXXX {$1000.00} this year {$700.00} a difference of {$380.00}, so why are we short all the time, {$2800.00} to be exact, every year plus with their outstanding cushion amount, which where does that cushion actually go?? Ocwen over estimates causing homeowners to struggle and lose their homes. Fix your mistake!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
On or about XXXX XXXX, 2016, I submitted to my servicer a loan modification request. They accepted and when I called back approximately two weeks later, Ocwen told me very rudely that they can not accept my request for workout assistance because the owner of the loan does not participate in modifications. They are not offering me any sort of options to foreclosure. How can the investor not abide by California laws designed to help people who are in distress. Also, each time I call Ocwen they are very rude and I have asked for Spanish speaking agents and they flat out tell me there is none. I believe Ocwen is headquartered XXXX and they simply do not understand Ca laws, nor that they are discriminating against people like me who feel more comfortable to speak in native tongue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-02 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Ocwen Financial Corporation
State: CT

Complaint narrative:
I was named as a defendant in a mortgage foreclosure that I have absolutely nothing to do with. OCWEN Loan Servicing and the law firm XXXX XXXX have tied my name into a foreclosure with a person ( XXXX XXXX ) I do not know. I have never signed for papers for this mortgage, or for a house in Oregon. I do n't live in Oregon and do not know anything about this, yet name name is being attached to this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
A International Promissory Note was sent too the CFO and the Research Dept to Discharge my Mortgage Note at Ocwen Loan in the amount of {$300000.00}, they stated that they could not accept it because it was not the full amount, Ocwen stated that they will send me a payoff quote, in which I received in the mail, Sent them another Promissory Note in the amount of {$310000.00} for full amount, the Research Dept of Ocwen stated that they would have to do research, I also fell to mention that I sent information on the Law in regards to the Promissory Note being Legal Tender, they kept XXXX the Promissory Notes for about a Month, Finally got a call and a letter from Ocwen stated that they could not accept my promissory note, I asked them why, and they could not give me a reason why. At this time they holding XXXX Promissory Notes.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
My Mortgage company, OCWEN sent me a letter via XXXX mail on XX/XX/2016 ( Dated XX/XX/XXXX ) stating that my mortgage payment was returned for non-sufficient funds by my bank, XXXX. My account shows that no attempt was made by my mortgage company to get the payment that I had made electronically on the XX/XX/XXXX. I also spoke to a representative at my bank who confirmed that no attempt had been made to cash my payment. I have been paying my mortgage electronically for several months and keep a confirmation notice. There is a default feature at the OCWEN website, which allows me to pay from the same account -- which I did. 
In the letter from my mortgage company, I was instructed to make an immediate payment or I would suffer penalties in additional fees. So, in order to avoid those fees, I sent a rush payment via XXXX. But it still ended up costing me an additional {$45.00} above my regular mortgage payment. I feel that OCWEN was either careless or dishonest in this instance. I wanted a record of this complaint so that they will correct this situation, instead of allowing them to blame me for their incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
There is an account with OCWEN reporting on my credit report, account number XXXX, that is not and never was my account. I am in the process of refinancing my current mortgage with XXXX and I am unable to move forward because of this issue with OCWEN. My credit report says it is a charge-off account that I still owe {$25000.00}. Every time I call OCWEN, they tell me the account number that is on my credit report for them is in fact NOT my account, and that this is for a property in OHIO for someone else. They are unable to tell me who, since this is not my account which I understand. However, I have asked multiple times for them to confirm this by sending me a letter verifying that this is not mine. The first time they told me they were unable to do this. After multiple complaints they told me a couple weeks ago they would send something to me in the mail. I never have received anything. Furthermore, I submitted something to XXXX to call OCWEN and verify. They called and OCWEN said it is to stay on the account. Then when I call they said its not mine?? I want this resolved asap and I need to get this loan refinanced and this is holding me up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: MT

Complaint narrative:
In XXXX I completed a deed in lieu with Ocwen Loan Servicing for my house in XXXX County at XXXX XXXX XXXX XXXX. I received a XXXX from Ocwen showing the release of lien effective XXXX/XXXX/XXXX. The credit bureaus all show the loan discharged from my credit report in XXXX. In XXXX XXXX I began receiving foreclosure notices from Ocwen and phone calls from their customer service department. I also spoke with a relationship specialist. None of them could tell me why after 9 months I started receiving foreclosure notices even though I do n't own the property. I did find out in XXXX of XXXX that the paperwork sent to Ocwen 's attorney was not filed with XXXX County because the lawyer is " no longer in business ''. Also, I found that the house was listed with a real estate agent from XXXX XXXX to XXXX XXXX by a realtor hired by Ocwen. I spoke with the realtor and she stated there was an interested buyer in the home but they could not get clear title on the house because Ocwen 's attorney failed to file the paperwork with XXXX County. I also received a letter dated XXXX/XXXX/XXXX stating my deed in lieu was completed XXXX/XXXX/XXXX. That is 4 years before starting the deed in lieu process.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Ocwen Loan Servicing , Inc. has not provided a corrected XXXX for XX/XX/XXXX. The original XX/XX/XXXX XXXX was received on XX/XX/XXXX containing an incorrect interest paid amount paid in XX/XX/XXXX I notified Owen on XX/XX/XXXX that the XX/XX/XXXX XXXX contained a lower amount then what was paid in XX/XX/XXXX. They said they would correct the interest paid and send out a corrected XXXX for XX/XX/XXXX. I never received it so I have called repeatedly in order to get the corrected XXXX before the XX/XX/XXXX IRS filing date. I also send them a secure email messaging restating the problem. I still have n't received it so I had to file for a tax extension.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
Hello, I am a single mother that was hosting a XXXX for my daughter on XXXX/XXXX/2015. It was XXXX. and I left my credit card for authorization with my daughter. After running my card the charge was denied without even the courtesy of a phone call to me. I called tonight to discuss and was told that US Bank has XXXX or so customers, and that they did not have an obligation to call me and that my account was flagged because several merchants I had used had fraud associated with their billing.. they would not give me a list of who I was using as a merchant that had issues, and referred me to a website list I could refer to. 
As a consumer and as a customer of a bank who denied access to my funds, I expect at the very least # 1 a phone call letting me know the issue-since I had no time to rectify and pay for food delivered to a party # 2 a list of the merchants that they flagged, and had an issue, so I could address directly with the merchant. 
They only suggested providing me with a list that I could scan to come up with what may be a match ... ridiculous. I am furious that I was denied access to my own money without any sort of notification, or assistance. 
This is my money and it was extremely embarrassing that I was not able to pay for a party I was hosting, with money I had the ability to pay for the debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
I completed and submitted a loan modification package to Ocwen on XXXX XXXX, XXXX. On a follow-up call on XXXX XXXX, I was informed that the XXXX tax return that I submitted was not signed on page XXXX. I less than 1 hour, I sent a signed page XXXX in a pdf document via email, as I was specifically instructed to do. I also followed up to make sure that the document was received. I was told that the review would only take a few days, and would be complete well in advance of the schedule foreclosure sale on XXXX XXXX. I called back on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and was told each time that the modification package was complete and being reviewed by underwriting ( and that I should have an answer in a few days ). I called again on XX/XX/XXXX and was told that underwriting was still waiting on the signed document - obviously meaning that it was not under review. After some research, the representative acknowledged that I HAD sent the document in question, and that underwriting did not understand why I had only sent page XXXX. He said that he would contact underwriting and explain the problem. I asked about whether or not the sale on XXXX XXXX would be postponed, and he said that it could not. I asked what would happen if the review was not complete, and he said " that would be a problem ''. I contacted the department of the Ombudsman on XX/XX/XXXX and spoke to a rep named XX/XX/XXXX. She indicated that underwriting STILL believed that they did not have a complete package, but that she would investigate and get back to me in a couple of days. No one can give me accurate information! 
This process has been on-going for more than 6 months. Ocwen reps seem unwilling or unable to answer basic questions or explain correctly how the process works. I get contradictory, and many times completely inaccurate information. Aside from the moral obligation, it is my understanding that Ocwen has a settlement in which they agreed to specific actions and procedures that they have not followed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
ON XXXX XXXX, 2016 I SENT US BANK ASSOCIATION A QUALIFIED WRITTEN REQUEST IN REGARDS TO COURT DOCUMENTS DROP OFF AT MY FRONT DOOR BY THE LAW OFFICE OF XXXX, XXXX XXXX XXXX, XXXX. ABOUT FORECLOSING ON MY HOME. I HAVE NOT BEEN SEVERED PROPERLY, AND US BANK ASSOCIATION HAVE NOT RESPONDED TO MY QWR IN A TIMELY MATTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
IN XXXX MY WIFE AND I FILED CHAPTER XXXX BANKRUPTCY. OUR MORTGAGE WAS BEHIND AT THAT TIME.WE INCLUDED OUR ARREARS HOWEVER WE PAID THE NOTE OUT OF POCKET. THE BALANCE IN XXXX WAS APPROX. $ XXXX AND IN XXXX WE APPLIED FOR OUR FIRST LOAN MOD FOR WHICH WE WERE APPROVED. WE FILLED OUT THE PAPERWORK AND SENT IT BACK TO OCWEN LOAN SERVICING LLC . IN XXXX WE ARE NOW DIVORCED AND I PERSONALLY APPLIED FOR ANOTHER LOAN MOD BASED SOLELY ON MY INCOME ONLY. IT WAS GRANTED HOWEVER IN VIEWING THE PAPERWORK I 'VE NOTICED THE PAYOFF BALANCE IS OVER {$43000.00} HIGHER THAN IN XXXX. WHEN I INQUIRED ABOUT IT XX/XX/XXXX WITH OCWEN SERVICING I 'VE BEEN GIVING NO CLEAR EXPLAINATION. ONLY THAT IT WAS AN ESCROW ADVANCE AND INTERESTS. I CA N'T MATHEMATICALLY COMPREHEND THE ASTRONOMICAL NUMBERS I 'M GIVEN, ESPECIALLY WITHOUT PROOF.IT APPEARS THEY ADD YOUR DEBT TO THE REAR AND ADD WHATEVER THEY CHOOSE ON YOUR LOAN AMOUNT. AGAIN IVE MISSED A FEW PAYMENTS IN THE PAST THREE YEARS BUT INCREASING MY MORTGAGE BY $ XXXX IS CRIMINAL IN THREE YEARS. MY NEW BALANCE IS NEAR {$150000.00} NOW. BUT NOW THEY SAY {$96000.00} IS " DISHARGE OF DEBT '' BROKEN DOWN OVER 3YEARS IN THIRDS FOR WHICH I MUST PAY INCOME TAX FOR AND OCWEN STILL SAYS I OWE THAT TO THEM TOO. DISGUSTED, READY TO WALK AWAY.THEY WILL CHANGE WHAT THEY TELL YOU IN THE SAME CONVERSATION. ANY HELP YOU CAN OFFER WOULD BE APPRECIATED.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-05 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Restructured 7 yrs ago while in financial and terminal health crisis. Struggled through laborious process and ended up with a usurious 2nd mortgage with a baloon note. Husband died and I lost 60 % income. Mortgage now is over XXXX monthly income. Have been approached by company claiming to resolve the XXXX underwater position by getting mortgager thru TARP fundes to forgive XXXX. Offerring 2 % fixed over 40 yrs to a XXXX yr old widow if I pay XXXX for their service of applying with mortgager after minimal preapproval data provided. Language of " retainer '' contract indicates failure to provide any further documentation by deadlines can render contract void and no refund of retainer. My children think this is a scam but I am hopeful that there is at least partial truth in the availability of principal reduction with government assistance. I am not impoverished. I have XXXX per yr income but a significant debt structure. I have reduced the XXXX consumer debt my XXXX husband created to less than XXXX today. I am current on all payments but going XXXX in hole each month with only XXXX savings of any kind. I might survive financially another 6 months before having to declare bankruptcy which I consider lacking integrity. I want to pay back reasonable debt but hope that the predatory lending of my mortgager might be remedied to a more reasonable amount. XXXX was the mortgage before real estate market imploded - I have been told FMV is now XXXX. I have a 10.65 % 2nd mortgage with a baloon due in XXXX the 1st mortgage is 4.65 % for XXXX over 40 yrs due XXXX. I need help finding a resolution with integrity. If I must leave my home, I 'd like to do it with dignity. My hope is to keep the property.

Company response to consumer: Closed with explanation