vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-02 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
Since the beginning of this year I have been applying for a remodification for my mortgage while in foreclosure status but have been denied twice by my loan servicer Ocwen. After they have moved the sale date twice as a result of my remodification application, I was informed by XXXX different people on XXXX different occasions that my property was not in foreclosure anymore, but delinquent. But the company still went ahead with their foreclosure proceedings and foreclosed on my house on XXXX XXXX. I only received a from their trustee after the proceedings occurred, and that letter was dated XXXX XXXX. I have filed a dispute with the XXXX at Ocwen for wrongful foreclosure, due to their employees willfully lying to me about not being in foreclosure, but they have denied any wrong doing, and are proceeding with the foreclosure. I live in this property with my wife and kids, and I should n't lose the when I have been falsely informed so I can lose the home. I would like to remain in the property and make my monthly mortgage payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: HW Holding, Inc
State: MN

Complaint narrative:
I used to live a apartment called " XXXX '' in XXXX from XXXX to XXXX and when my least ended in same year XXXX I did n't renew the least and I gave the manager two months notice ahead. And told her I 'm leaving some of belongs in the apartment so you can donate to any charity you like and she agree to it. Also the manager she made me to not ask her the deposit money back. I said why? And she said I 'm going to clean towards the apartment. And I said fine, so then I left.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Wakpamni Lake Community Corporation
State: AL

Complaint narrative:
I borrow {$350.00} and now I 'm been treated unfairly .I did n't know I woke have to pay back {$1100.00} and charging me {$780.00} in finance charges otherwise I would n't have got this loan. I honestly do n't know what to do but I desperately need help. This is a straight robbery. The name of this company is Boulevard Cash

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
I, XXXX XXXX had only XXXX mortgage that eventually ended up with Ocwen Loan Servicing. The original loan was for {$110000.00}. The XXXX late payment of 30+ days took place in 2006. Ocwen has posted the same loan XXXX, and has purposely cut off several years of payment history. Even though the loan has been paid in full, the 7-year rule applies pertaining to the posting of credit histories. All Ocwen loans must be deleted permanently, not just the duplicated items. Ocwen Loan Servicing is now being forced to sell off their servicing assets by court order that started with Federal Trade Commission sanctions. My credit is being destroyed by Ocwen Loan Servicing illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: OK

Complaint narrative:
I had mortgaged XXXX properties in XXXX separately. Several years later OCWEN LOAN SERVICING , LLC became the loan servicing company for both mortgages via XXXX different previous loan servicing companies. 1 ). One company Litton, the previous lender to XXXX present Ocwen loan, did modify my mortgage but I later learned the document I signed added {$40000.00} to my principle in order for that company, Litton, to modify the loan. This property had been owned by several other companies before Litton owned it. This was very unethical for Litton to do I feel. I was able to get the monthly loan amount decreased over time and retain the property before the loan was sold to Ocwen. Before the modification I had paid approximately XXXX years worth of payments on time before my financial difficulties developed. Ocwen phone agents have been rude, do not all give me the same consistent information when I call, typically refuse to allow me to speak with a supervisor to resolve my inquiries or just plain hang up on me or place me on indefinite telephone holds. 2 ). Ocwen would report me as late within XXXX days after the month I was late with payments up to XXXX days when I was experiencing financial difficulties. Now that my payment have been paid within the current month due, since XXXX XXXX on both loans, Ocwen can not report my payments paid since the last XXXX ( XXXX ) months. All XXXX credits agencies show me paid thru XXXX XXXX. This has the effect of keeping me from seeking possible refinancing should I want to do so. This is just wrong. Ocwen phone agents have stated Ocwen is not responsible that the credit agencies are responsible. When I submitted inquiries to the XXXX credit agencies the replies were the credit agencies report as soon as the reporting companies give them the information. If Ocwen could report within XXXX days after I was late for over XXXX days Ocwen can report in a timely manner when I have paid on time. All other of my creditors report my payments no later than XXXX days after the payments have been submitted. 3 ). Ocwen is and has been adding indiscriminately late fees to my account since servicing the loan. There are fees that I believe are incorrect and fees I have no idea why I am being charged for them. 4 ). I also have had refunds due me for balances on forced placed insurance after I secured insurance for my home. Thank you for reviewing my complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
XXXX XXXX, toyota dealership in XXXX was where i leased my toyota van. when i. returned the van, the manager went over the van with me wide open and checked everything and it went well. the manager never asked or disclosed anything about any accidents. we then went inside to do another lease but ended up with a purchase because of too many complications. at that point i did not complain because i thought i was getting a better deal since it was a purchased transaction ; however, i went home disappointed because i was really determined and adamant in just leasing a van for my business. after a couple of months, i heard from toyota and they were charging me approximately {$3400.00} for repairs and damages. according to them they found out after thoroughly checking the leased van that i had gotten into an accident and they claimed the repairs were not up to " their standards ''. i then asked them why they had n't inquired at the time of the return and inspection about any problems and concern because if it had been disclosed under that condition, i would have purchased and kept the van as the accident was only superficial damage and not the engine. i did not pay what they were demanding because it was unfair, and also because i had already paid for the repairs when the accident happened. they should have disclosed their position and informed me about it while we were going through the physical inspection.of the van. i tried to reason with them and eventually even hired an attorney to deal with them, but they would not change their position at all. they then reported the claim to the XXXX ( XXXX ) major credit reporting services ... and my nightmare began. i was unable to follow up with XXXX XXXX and the personnel involved because the dealership closed. to date, toyota still refuses to remove the negative report even though it was first posted in 2007. please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
We had a unit that sat vacant for 6 years without any action by the bank ( s ) except to pay all fees after foreclosure filed by HOA. It is all ok now but we were very frustrated for 6 years with no action!! It finally went to auction and was purchased for {$18000.00} with the bank still having interest. The new owner will work with the bank to take full ownership. It is currently rented. We have been complaining about the lack of attention by the bank ... went to OCWEN who will not respond ... tell you to write ... still do n't respond. Grrrr.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc
State: MI

Complaint narrative:
Collector calls multiple times a week and repeatedly calls my place of employment even after I told them not to call my office. Leaves messages saying that they " must hear back from you by the close of business '', insinuating that there will be consequences. They have also started charging monthly interest which was not in my agreement for the original debt. I have received un-wanted attention from my management team at work regarding outstanding personal debt and for using company phones for personal business.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
My mortgage company sent me a payment change letter with very contradictory information. The interest rate is increasing, however the payment is not. The amount amortizing for the balance is changing as is the interest, but the payment is not. Then the letter says that " the interest rate can change each time by no more than 99.99999 %. '' Additionally, the letter says that the payment as shown will cause the loan to be negative amortizing. I have received this type of letter before from the lender-OCWEN and asked them about the information and to provide an amortization schedule-to no avail. Their system is most likely not in compliance with federal regulations regarding the notice of payment change. Please review the letter attached and provide some clarification as this is a formal complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
In XXXX my husband and I, jointly, refinanced our home through Ocwen Financial Corporation. In XXXX we filed a Chapter XXXX Bankruptcy confirming our mortgage through Ocwen. We were able to overcome financial difficulties and become current on our mortgage. In XXXX my husband died and I continued to pay the mortgage. I have perfect payment history. My credit history shows only the XXXX Chapter XXXX and NO PAYMENTS to Ocwen. I have called and written several times asking them to correct this issue. They have done nothing. My credit score is adversely affected by the negative reporting and I have no positive payment history because they have refused to correct the reporting. I think this is a violation of my rights as a credit consumer. I have made repeated attempts to correct this through Ocwen and the XXXX. Please let me know what I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
Case number : XXXXAs previously stated every thing remains the same about the non-response from Ocwen to the actual complaint and who has again not addressed the issues and RESPA at all and claims they can send a so-called Transferee Notice saying anything they want in total disregard of the Transeror Notice. 
IF the CFPB rules the OCWEN Notice of XXXX 2014 is lawful, then CFPB must rule that the XXXX XXXX Notice of XXXX 2014 is also lawful and supercedes the Ocwen Notice and payments will be made to Homeward Residential in XXXX. 
I have presented what the CFPB claims RESPA says and what RESPA itself says and OCWEN IS NOT IN COMPLIANCE. Ocwen again has not made specific reference where we are alleged to have claimed untimeliness and they made false reference to it again. 
The CFPB must decide if XXXX XXXX XXXX Transferred Servicing to Homeward/Ocwen XXXX XXXX as the Transferor Notice claims or Ocwen as Ocwen 's XXXX unfounded and unmatching Notice claims. 
Their attorney and Ocwen claim that Homeward/Ocwen in XXXX and Ocwen Loan Servicing LLC in XXXX are the same identical company so now CFPB must rule on this matter and take the appropriate action while also remembering the XXXX XXXX Notice of XXXX 2014 which supercedes Ocwen 's Notice. We await a CFPB ruling stating both companies with different names and different locations are the same identical company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
My wife XXXX children and I live at this address for some XXXX years, all was ok until about XX/XX/XXXX when both my wife and mother got sick, mom dead my wife in ICU, XX/XX/XXXX I lost my job, I did let GMAC know all what was going on with us before this XX/XX/XXXX when they hope to give me a XXXX absence, we ask for a modification many times I am told no, ask for a hamp/mod the answer is that the lender said no, My and I are both working more than XXXX months now and we can pay a reasonable mortgage, even though the value is very much lower. The loan # XXXX ( Hard ship was Death, sick, and job Lost XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NV

Complaint narrative:
CFPB complaint against Ocwen Loan Servicing Per Ocwen Loan Servicing policy, Ocwen reports to all credit bureaus each month on every customer. Per Experian, Ocwen did not report for XXXX XXXX. This date reflects as " data unavailable ''! This credit bureau entry clearly shows that Ocwen never reported for this month. Per the previous complaints filed with the CFPB against Ocwen, these complaints reflect that Ocwen Loan Servicing reported " D no payment history available ''. Per Ocwen Loan Servicing website, the credit history letter request dated XXXX XXXX XXXX reflects that Ocwen is showing on their system, XXXX XXXX as " no payment history available this month ''! Per our payment history sheet dated XXXX XXXX XXXX, our XXXX XXXX payment was received by Ocwen Loan Servicing on XXXX XXXX XXXX. Per our credit history sheet dated XXXX XXXX XXXX, Ocwen reflects in there system for XXXX XXXX as " D no payment history available this month ''. Attached are documents for the CFPB to review! 
As you can see, this has been on ongoing issue with Ocwen Loan Servicing, bad business practices. Ocwen loan Servicing failed to report to all the credit bureaus for XXXX XXXX even though Ocwen received our mortgage payment in advance! Ocwen has failed to update their records and all the credit bureaus months later. Ocwen Loan Servicing is violating our rights to have our mortgage payment history be reported accurately each month! Ocwen 's policy to freeze credit reporting during a complaint violates our rights and possibly federal and state laws! Ocwen 's policy does not exceed federal and state laws! We request that Ocwen Loan Servicing corrects this issue immediately, reports accurately each month to all credit bureaus and verifies that the information that Ocwen employees put on our account must be accurate each month! Failure to do so must result in action taken by federal and state agencies for violating our rights!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
I purchased a home in XXXX 2014. The seller had an outstanding loan to Ocwen Loan Servicing which the Seller paid off and Ocwen sent him a notice of payoff stating the debt had been paid in full. However, Ocwen has still not released a lien on my property even though the previous mortgage was paid in full. Having an outstanding lien on a property in which the mortgage has already been paid in full is in direct violation of Ohio XXXX XXXX XXXX Entry of Satisfaction. Ocwen needs to release the lien in accordance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I am still awiting answers to my past letters. Today a Statement has come by mail stating I have a modification plan. I have not sent any documents, I have not signed any docment requesting any modification of what?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ideal Collection Services, Inc.
State: FL

Complaint narrative:
XXXX and has falsely reported an inaccurate claim and or amount on my credit report. I disputed the entire amount that was sent to collections within 30 days by my previous apartment complex. I did this with recipients and all evidence that I was never in violation of my lease agreement. I was unfairly targeted and discriminated against and issued a 7 day notice to vacate. I complied with their request and paid all current rent. My account was still sent to collection and i was charged an early termination fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MO

Complaint narrative:
I never owed XXXX {$310000.00} as reported to the credit bureaus. 
Since it was removed I suppose it paid off {$240000.00} reported by Indymac. 
And {$70000.00} to XXXX I paid twice and XXXX with whom I never had an account. 
Since the other {$240000.00} reported by Indymac was removed plus another {$17000.00} paid to XXXX ( of which some of it went to midland ) would be the other {$260000.00} XXXX loan I paid twice. 
From this the {$240000.00} remaining amount of my 1998 30 year loan payments would be paid in full. 
Now that I have paid XXXX another {$100000.00} for the 17 years escrow I owed and I did n't know I was using to fund the prepaid line of credit, I have now repaid someone else for my own money. 
This implies that along with the {$15000.00} I already paid to midland -but only 17 years escrow disbursed on my house I also paid {$41000.00}. ( This was the payoff amount of my duplex XXXX XXXX foreclosed. ). Having already paid {$140000.00} for my duplex did they foreclose on the {$59000.00} XXXX XXXX XXXX did n't give me? - Meaning I had a {$5000.00} credit balance at foreclosure because of XXXX XXXX XXXX - for a credit offer I did not accept and for money they did n't give me. 

I lost my duplex XXXX XXXX 's attorneys valued at {$78000.00} ( and XXXX XXXX valued it at {$150000.00} ). But XXXX XXXX XXXX thought it was worth {$200000.00}! 
Taking off the {$53000.00} balance reported to the IRS and giving me back {$62000.00} value reported ( amount overpaid ). I paid {$150000.00} for my XXXX someone else owns - For {$59000.00} XXXX XXXX XXXX did n't give me I do n't know who I should send this to. the CFPB needs to compile all of my recent complaints and sort out who is to blame. 
XXXX need to fix it. 
XXXX XXXX XXXX needs to pay me back. 

So along with the {$210000.00} I already paid must be that other {$260000.00} first XXXX loan released twice. The other XXXX loan loan released was the 1998 30 year loan paid off in only 15 years. 
It all fits. There is no balance and XXXX owes me {$210000.00}. XXXX owes the escrow I 've used since the modification. I do n't know who owes me {$59000.00} extra I paid to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
XXXX of my home equity line loans was sold to another company. This account is being listed as a derogatory account on my credit report when it should not be.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
I have contacted Ocwen several times in the past year regarding mortgage assistance. We have a balloon payment due XX/XX/XXXX, and have been unsuccessful withOcwen to help find a solution. We dont have the resources to pay the balloon payment, and the home in 'underwater ', so we cant re-finance. I have submitted the proper documents to Ocwen in a timely manner. Our most recent rejection was today. We have sixty days before the loan matures. It took less than two weeks for their decision. Because of our income we do n't qualify for a govt program, and because we still have the ability to pay our monthly payment, Ocwen wont offer a modification. I asked if the loan had to mature before they would consider a modification, and was informed that nothing could happen after the maturation date. They want us to lose our home! We have occupied this house since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
This is just a brief summary/question. I just recently became aware ( today ) that Ocwen has a settlement website and also found out the deadline to submit a claim has passed. How would someone have known prior to the deadline to file a claim? I am sure I am not the only homeowner who was not aware of this, therefore if everyone entitled did not apply what will they do with the funds which will not be sent to those of us who were in the dark about the settlement.

Company response to consumer: Closed with explanation