vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I am contacting you again about XXXX XXXX XXXX for the 4th or 5th time. I have been forclosed, and now dealing with a company for a cash for relocation package. The offer is {$4300.00} and I asked for the max. of {$10000.00}. I asked for the max. because of the previous complaints have never been resolved or fairly addressed. The company is XXXX and they say they " are not Ocwen and that Ocwen is just their client ''. I now clearly see that they are one in the same. They are " in bed with Ocwen ''. Ccwen clearly knows that they are cheating me. They did extend my time to vacate until XXXX XXXX, and I 'm grateful and thankful. They did not give me {$10000.00} and I 'm very angry and feel so violated and humiliated by the {$4300.00} offer, but I accepted knowing that I would continue to seek my stolen money from Ocwen afyer I vacated. Here is my new complaint, upon receiving the documents, there is a # XXXX.on the rules that frees Ocwen from any futher claims or liabilities in the future or the past.UNBELIEVABLE Now I see why when I sent the proof to Ocwen they said they did n't respond. They are one in the same ( Ocwen and XXXX ) Here are facts on my issue. 
1.A history of XXXX-XXXX servicers throughout loan, and I have recepts of checks that are not listed on payment history that I did n't receive credit for and Ocwen has the proof, the copies of the cancelled checks. 
2. When the house was in XXXX different bankruptcy cases, payments that were allocated from the trustee to the servicers ( XXXX additional servicers not including Ocwen ), is not credited on the loan. I have pointed this out to Ocwen and sent proof, and they refuse to do anything about it. 
3. They illegally forclosed, added a new bank without notifying me of the bank. 
4. Refused to offer the XXXX and only offered XXXX 5.I am now homeless, have a income of {$1200.00} a month. My spouse is a XXXX veteran and is in a medical facility and his total income goes to that place. 
6. I keep asking for the XXXX amount and they refuse to give it to me. So now, Ocwen will set us up for a bad tax liability, that will probably take up further downhill. Basically they will still from us for the second time on the XXXX! 
6. NOW THE DOCUMENTS THAT I 'M SIGNING TODAY ( DEDADLINE TODAY ), I HAVE TO GIVE UP THE RIGHT TO GO AFTER THE STOLEN MONEY AND LOOK FORWARD TO ONLY XXXX INSTEAD OF XXXX! BUT HOMELESS, I HAVE NO CHOICE, TO TRADE A THEFT OF XXXX XXXX FOR XXXX! I SEE WHY OCWEN NEVER ADDRESSED THE MONEY! 

THIS IS THE AMERICAN DREAM!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11 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: Ideal Collection Services, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I became aware of a company by the name of Ideal Collection Services, reporting a debt of {$94.00} on my credit report. I immediately reached out to the company via certified mail to get further details and clear up any errors. The company then responded by sending me a copy of XXXX page from my lease agreement, which still did not justify or prove the debt is owed. After receiving the response letter, I reached out to the company by phone. I informed them that they were in violation of reporting a debt that I did not owe and asked them to provide details on the debt. The representative had no explanation for what the debt was owed for, however kept assisting that I owed it. I requested to have the address that notification was sent to and the representative did not have my current address either. I advised them that I had moved from the property in question XX/XX/XXXX, and satisfied my lease in full. It made no sense that two years later a debt collection company would be reaching out to me regarding charges that can not be validated or explained. I also reached out to the Property via email and received no response. Ideal Collection is still currently reporting the debt even after being notified via certified mail, that I do not owe the debt. The company also has no explanation of what the {$94.00} debt is for and is still requesting a payment. This is violation of the FDCPA, and by reporting it is also a violation as well under the FCRA. I have attached a copy of my communications sent to the company via certified mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: HW Holding, Inc
State: FL

Complaint narrative:
I was Leasing a house with XXXX other roommates. Vacated the property on XXXX XXXX - started receiving letters months later from Hunter Warfield that I owed in excess of {$3600.00} after my {$1000.00} security deposit was applied. I never received written notice from landlord stating my rights as a tenant to contest charges. I have repeatedly asked for invoices as to the damage and have been hung up on, harassed when I am working and am badgered with lawsuits, being told I have to get an attorney and that my credit will be wrecked if I do not pay. No one is willing to verify that this debt is accurate and when asked for copies of invoices I am told to get an attorney. I am a XXXX year old XXXX XXXX student supporting my way and do not have the luxury of an attorney. XXXX Statutes mandate that I am to be sent a written letter explaining the charges, the reasoning my security deposit is held and my rights to dispute and I have never received anything like that. I am told that they have photo 's, but I have photo 's date and time stamped as well proving many of the charges were falsified. I was told also that the leasing company is too big to provide the invoices so I should get an attorney just to verify that these charges are accurate. The charges were reported the day I vacated the property - how a house can have drywall, painting, cleaning all in the same day I moved out is ridiculous. The removal of items that they are claiming as well charging me for, are in my friends garage so obviously the leasing company went to our house prior to our move out. These charges make no sense, I was never officially notified by the leasing company and the debt collectors Hunter Warfield have no proof that the debt is even accurate but are putting on my credit report. The only proof of any letter sent by leasing company was to my former roommate. There is nothing showing my name. 

This is the email sent when I requested invoices " XXXX, Your lawyer can request invoices, not you I can share the pictures of the damage you were charged for as I did with XXXX. You must dispute the charges with a lawyer. 
They are not that easy to get, this is the XXXX largest XXXX single family home company in the XXXX and all is in XXXX through XXXX. Just dispute with a lawyer and have him request. '' This does not seem fair or legal to just put blanket charges on an invoice and give to collection agency.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
My tax returns have been audited by the IRS four times in the past seven years due to Ocwen Loan Servicing 's ineptitude in reporting my mortgage interest paid. Ocwen simply does not report my share of the property taxes and/or mortgage interest paid annually ; however, they do report my husband 's share, which is half. In every case, I submit a copy of our XXXX which clearly states my name as the payer/borrower and the amount of mortgage interest paid. Ocwen Loan Servicing consistently fails to report my share of the mortgage interest, and in XXXX cases, real estate taxes paid, to the IRS. This is not my first complaint to the CFPB regarding Ocwen ( CFPB File No. XXXX : treatment of Escrow payments ), but is the first of this nature. I left a voice mail message for XXXX XXXX, CEO of Ocwen, at XXXX due to my utter frustration with this entirely inept company. I can not understand how XXXX XXXX can continue to operate this company with such blatant disregard for simple math. My prior complaint with CFPB regarding the same company is still outstanding, as Ocwen does not seem to know how to apply an escrow payment to offset an increase in monthly mortgage payments. My frustrations are many ; my immediate frustration is my fourth IRS audit in XXXX years simply due to Ocwen 's blatant discrimination toward female co-mortgagees. It is disgusting. I anticipate subsequent IRS audit notifications and requisite responses due to the trigger that Ocwen is causing. This is unacceptable. The most recent IRS notification is for the year XX/XX/XXXX. That means I should expect another notice for XX/XX/XXXX, and again for XX/XX/XXXX once I file my returns. I am frustrated to the point of wanting to pay off my mortgage just to be rid of Ocwen, or force a transfer of servicing to another, competent servicer. The time spent in resolving so many issues over so many years is time I will never get back, nor will be compensated for. The escrow issue is still outstanding, and Ocwen is unable to explain how an overpayment to escrow does n't affect an increase to our monthly payment. Again, Ocwen, WHERE IS THE MONEY GOING??? Why are n't you reporting me as a co-borrower, co-payor to the IRS?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Maximum Title Loans, LLC
State: AZ

Complaint narrative:
My son is delinquent on auto loan. Loan and title have no connection to me. My son stays at my home off and on. Debt collector has called my home phone and my cell phone multiple times. He has been vulgar and has even threatened that he knows people where I work and will make comments to try to have me terminated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-02-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
XXXX Address : XXXX 
XXXX, AL XXXX Pursuant to : 1. a : RESPA, XXXX U.S.C. XXXX ( XXXX ) ( XXXX ) ( B ), b : XXXX XXXX XXXX XXXX XXXX f ) ( 2 ). 
c : TILA XXXX XXXX XXXX XXXX g ) ( XXXX ) a-e d : XXXX XXXX XXXX XXXX https : XXXX XXXX. All XXXX policies associated with the subject mortgage and any TRUSTS, including but not limited to XXXX Trusts. 
3. ID Theft notifications. 
4. Explanation for refused rate change : Explanation for failure to reduce rate XXXX days fannie mae rate in XX/XX/XXXX thru XX/XX/XXXX. 
5. Explanation for contract failure ( s ). 
6. Identify ALL Owners/Lenders/Trustees/Services and dates acquired. 
7. XXXX ( front & back of document ) a : Mortgage Note. b : Deed of Trust. 
8. Copies of Form XXXX, XXXX and Appraisal. 
9. Copies of ALL BPO, Appraisals and valuations. 
10. An accurate accounting of all debits and credits applied to the purported mortgage transactions from origination until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-07 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: First Associates Loan Servicing LLC
State: LA

Complaint narrative:
After graduating XXXX, the loan payments became astonomically unaffordable. they offered income based repayment plans but it made the balance and principal constantly grow to where payements were not going towards principal or interest. it 's impossible to pay this loan off on their terms.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
Ocwen loan servicing continues to report inaccurate and fraudulent information on my wife and I credit reports with all three credit bureaus. As of XXXX XXXX we agreed to a loan modification, at that time the loan was set to three trial payments, these payments were made on time, which then the loan went into full agreement. Since XXXX XXXX to XXXX XXXX we have made our monthly payments on time yet Ocwen continues to report information of no payments being made to the credit bureaus. Ocwen also has been charging fees sometimes up to XXXX in one day as you can tell from the payment history from Ocwen. Ocwen has not and continues to place our payments into a separate account even when there was a modification present and payments were made on time and Ocwen will still not apply payments the day/month they are received. Attached you will see Ocwens negligence in reporting fraudulently to the credit bureaus and documentation of payment history. As you make notice of Ocwens payment history sheet they are fudging payment dates and dates the payments were applied and the late fees, inspection fees and other non-explained fees are charged fraudulently. We request Ocwen report accurate information on our credit files and credit for all fraudulently charged fee 's. 

We have also disputed this through XXXX from XXXX Resource Center as XXXX is the note holder of this loan. We have been disputing this information for over 6 months through XXXX with no outcome. 

We request Ocwen Loan Servicing & XXXX to immediately stop reporting inaccurate and fraudulent information on our credit bureau and immediately send correct information to the credit bureaus and send a letter to every company that declined to offer credit due to Ocwen Loan Servicing & XXXX inaccurate and fraudulent reporting and fraudulently charged fee 's be credited.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I have a complaint against my mortgage servicer Ocwen Loan Servicing Inc. I have an FHA home loan with them and I got behind on a payment. When I was able to pay past due amount I sent it and they sent it back refusing my payment stating that the amount was insufficient. The amount I owed then started from {$900.00} to what I owe now {$18000.00} and this amount has continued to grow. They have recorded a default on my loan and I feel strongly that they are trying to take my house. The bank will make money on the insurance that is on my loan if they foreclose on my house. They have repeatedly and I believe deliberately stalled on modifications of my home loan. I am seeking assistance from counseling agencies to help me keep my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I purchased my property through a sheriff sale on XXXX XXXX, 2015 in XXXX XXXX, CA. Cashier 's check was provided to the sheriff 's office for all the outstanding liens and obligations. The sheriff recorded and transferred the property to me on XXXX XXXX, 2015. Around XXXX XXXX, 2015, I received a notice of default from Ocwen Loan Servicing , LLC . The notice informed me of Ocwen 's intention to proceed with the foreclosure of the property. It took 2 months of me trying to establish communication with Ocwen and {$35000.00} in legal fees to finally realize the basis for their claim. Ocwen argued that they had not received payments. The original loan amount paid off by the sheriff 's office to Ocwen was {$250000.00}. Ocwen was now demanding and additional {$44000.00} to stop the foreclosure. Upon subpoena of sheriff 's record, it was found that the payment for the exact amount of loan was mailed out to the address provided by Ocwen promptly after the completion of the sale. Ocwen refused cooperation and the investigation into what happened with the check. Furthermore, Ocwen tried to quash the subpoena for their internal records to clarify the mystery of the lost check. In a court appearance on XXXX XXXX, 2015, the judge 's interim decision was that Ocwen needed to stop the foreclosure proceeding, fill out and sign under oath, a statement indicating that they had not received the check. This statement needed to be forwarded to the sheriff 's office before another check could be reissued. Ocwen did not forward the signed letter to sheriff 's office until XXXX XXXX, 2015. After 6 months of deliberate delays by Ocwen, now that they have the reissued check, they are asking us to pay an additional {$13000.00}. or face foreclosure. The attorney for Ocwen knows that challenging their outrageous demand, will cost the consumer much more in legal fees. Therefore, the helpless consumer will most probably choose to pay the unjust fees than to go through a costly legal battle and/or face foreclosure. Ocwen has created a cloud on my title. Ocwen 's lack of cooperation, excessive and deliberate delays, as well as their reluctance to resolve this matter is due to their policy of adding up costs and fees for the consumer. They do not conduct their business in an ethical and honest manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Our mortgage was purchased from GMAC by Ocwen in XXXX 2014. They are claiming that we have been late on our payments, have not had insurance, etc. We have proof from our bank showing payments being mad on time and proof from our insurance company that we have always had insurance through them without any lapse in service. We are asking for assistance in getting Ocwen to acknowledge our payments, stop sending us mail saying we owe them more money, and stop them from foreclosing on our house, as I know that is what they intend to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
I have been putting {$6600.00} in my escrow account annually which is a combination with my mortgage. My escrow has increased annually, but not the property taxes nor my house insurance. The property tax and my home insurance has came at an annual total of {$5400.00}, which is covered with my automatic deduction. I received an overage in the escrow only twice since I have own the home since XX/XX/2007 the mortgage company receives the same property tax and insurance statement as I do. I just need to know where is my annual overages payments, because nothing has rolled over to the following year. XXXX has transfer their mortgage account to XXXX different companies since I have own the house.I called OCWEN who is the current account holder and they told me they can only go back 12 months for analysis and they sent me a {$300.00} check after that call, but what about the other years of taking.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
I called today, XXXX XXXX to pay my mortgage to Ocwen Financial Corp. Because it is not past 30 days it would have been on time. I was informed by Ocwen that they could not accept my payment by phone, nor online and that I have to mail by certified check or money order for the next 6 months. They said because XXXX of my checks were returned to my bank ( but were paid ) that they had the right without notification and informing me ahead of time - to tell me, I have to send my payments for the next 6 months by certified check or money order. Because tomorrow is XXXX XXXX - Ocwen is going to mark me past 30 days for being late and send notice to the credit bureaus. If they accepted my payment today - I would not be late. I am very upset because I was not notified of " their/this policy ''. It is not fair and adds more hardship for the consumer. Ocwen is implementing an unfair consumer policy without notifying the consumer - and in this case, purposely tarnishing my credit score because they will not accept a payment from me today. This is inappropriate customer service and an unfair policy. I wonder if it is legal. I will seek a new mortgage company as soon as I can.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Maximum Title Loans, LLC
State: AZ

Complaint narrative:
I took out a loan in XXXX 2014 for {$1000.00}. I paid on the loan monthly for XXXX or 14months. Due to health issues I did n't work for 5 weeks and could n't make a payment for the first time since the duration of the loan. I communicated this to Maximum Title Loans and that did n't matter. All I heard that there was no grace period and that the payment needed to be paid. I told MTL that I would make the payment the following month and it would be a double payment. Before that day came I would receive 9 calls a day on my cellphone at multiple of XXXX. With me being at hardship my cellphone was finally disconnected.At this point I would be receiving calls at work. I took a few calls at work and told them when I would be paying and not to call me at work because I could n't receive personal calls. That did n't matter because I kept getting calls and MTL was told by multiple co-workers and then to my supervisor. This was also done at multiple of XXXX 's once a day. They were told so much to stop calling my work that I got a write up and was suspended for 90 days without receiving a bonus check. This all happen within 30 days of me back to work from being off for a month with health issues. Once that happen I was very upset with the company and refused to pay on the loan. I was a customer that always paid them and did n't appreciate the way I was treated after defaulting on XXXX payment. With that being said I am now going to court against this company as they are trying to get a judgement for {$1500.00} which is {$500.00} more than the orginal loan. I also have paid approximately $ XXXX {$2000.00} on the loan and was down to $ XXXX on the loan before I defaulted. I know that I owe the company but my no means do I owe triple the amount that I borrowed from the company. I was a good customer and they were very unprofessional once I defaulted. After losing wages I was n't even thinking about paying MTL at this point. Would n't ever recommend them to anybody.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation