vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Suburban Credit Corporation
State: VA

Complaint narrative:
Me and my girlfriend are in the process of buying a house. I noticed on my credit report that there was a debt for XXXX dollars from 2010 from Suburban credit corporation. I tried having this debt removed for years but they refused, so I just gave up trying. My girlfriend called ( which I 'm not sure is even legal, without getting permission from me ) to have this debt removed, they stated to her " you have XXXX debts, XXXX for XXXX to XXXX and XXXX to XXXX @ XXXX XXXX. My girlfriend stated " that this debt is not ours but she will pay it so it can be removed off my credit report '', they stated they " would remove the debt that is not mine if she paid the balance ''. So she did, they sent us a reciept, and we waited for it to be removed. 
In the process of waiting, 10 days go by and we received another bill from the same company stating we owe MORE money, now we owe XXXX to XXXX, XXXX XXXX, and XXXX XXXX. I thought it was a mistake. So she calls them and they explain they were very exact with the " wording '' of what they were stating, they stated 'they only told us what we owed on the credit report not the total we owed, and they never said they would remove it, we just asked if they could, and they said yes, they would take care of it '', they took care of it by marking it paid and thats not what they explained at all. and then they threatened to put the new debt collections on the credit report if we did not pay them. Which is not mine to begin with I know that debts are to come off after 7 years and unless they were removed, there would be no point in paying Suburban credit and re-ging the debt that is not mine in the first place, when clearly it has to come off in 1 year anyway, and clearly my girlfriend did not know this, she thought she was doing the right thing. 
I dont know if this is legal or not but I know that we were lied to and then they threaten us with another debt so they can make more money off the people you clearly lied to is not right, and I plan on taking them to court over this matter.

Company response to consumer: Closed
Consumer complaint received 2015-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: FL

Complaint narrative:
This is the second complaint that I have filed with CFPB as the company has not stopped continuously calling me after I TOLD THEM NUMEROUS TIMES that I am not the person that they are looking for. 

These are the companies that harass me daily : XXXX XXXX XXXXProfessional Bureau of Collection of Maryland

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2015-08-17 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
I asked Ocwen Loan Servicing for a loan modification after my husbands illness. At the time I was behind in payments and was willing to pay longer for less a month. Instead of lessening my payments, they have charged me {$1200.00} instead of {$800.00} After the XXXX we had in the XXXX, I could not keep up.We had tree damage, very high heating bills and the co-pays on my husbands XXXX medications went up. I thought I would Get help from Ocwen, but I did n't. I agreed out of fear for my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
my mortgage started on 2008 with XXXX XXXX, after 3 months they switched me to GMAC Mortgage. Since that time my monthly payment was {$770.00} which includes tax and insurance and I have no problem with them. Approximately 2 years ago GMAC Mortgage became bankrupt and they switched me to OCWEN Mortgage now is when my problem started, they increased my monthly payment to {$840.00}. When I called them they told that I have a shortage in my escrow and I have to pay {$330.00} right now. I paid it on the same day with a {$16.00} fee but my monthly payment has n't went back to {$770.00}. Since 2008 the taxes in my area decreased and my home insurance also decrease. Why did they increase my escrow. Why did n't this problem happen with the my old mortgage. Please they have very bad customer service. I am a student and I cant afford a lawyer to speak to them and that 's my problem. I hope that you can help me and thank you so much for helping all of us.

Company response to consumer: Closed
Consumer complaint received 2015-04-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
In an attempt to pay off my loan with Ocwen, I sent XXXX large payments to the institution on XXXX XXXX that would have decreased my loan amount to within a couple of hundred dollars ( you can not send XXXX payment that exceeds 80 % of the loan balance so I broke the payments up into XXXX XXXX. I scheduled the payments for the same day because I did not want any interest to accrue. After a few days, I noticed where the XXXX payments were withdrawn from my bank but that my Ocwen balance had not changed to reflect my XXXX payments. I called Ocwen on XXXX XXXX to ask about the payment. The Ocwen rep explained that because the XXXX payments were scheduled for the same day, that it exceeded the 80 % max limit. I asked Ocwen to return my XXXX payments. The rep said it would take XXXX business days. I called Ocwen back on XXXX XXXX when my funds had not been returned to my bank account. I gave them my account number and routing number to my bank, information that I am sure they already had since my monthly mortgage payments are debited from my account. They asked me to wait a couple more days. I called Ocwen back on XXXX XXXX. The rep asked me to be patient and assured me that the funds would be returned by XXXX XXXX. There were no funds returned to my account on XXXX XXXX. I called Ocwen again. I was asked to wait 40+ minutes on hold while the Ocwen rep put me in touch with an escalation specialist ( ES ). The ES told me that my funds would be reurned within XXXX hours and that he had put it in as a priority because I had called so often. There were no funds on XXXX XXXX. I called Ocwen again to see if there was a problem. There was. After speaking to a rep and another ES, I was told that my funds could not be returned to me! The ES said that he did not see my funds! He claimed to put me in touch with someone who XXXX be able to address my concerns. So that 's where I am now, on hold waiting to speak to yet another person! This is a significant amount of money and I fear that Ocwen is trying to get away with keeping my XXXX payments!

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

Complaint narrative:
CASE NUMBER XXXX STATUS??? WILLFULL FAILURE TO POST PAYMENTS AS MADE. PRINCIPAL ONLY, plus monthly interest & principal. 
WHEN DOES OCWEN LOAN SERVICING , LLC have to REPLY??? 
Your letter said XXXX ago? 
Thank you. 
XXXX XXXX

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: NV

Complaint narrative:
Please see attached NOTICE OF INVALID INSTRUMENT ( S ), NOTICE OF BREACH OF CONTRACT, NOTICE OF FALSE CREDIT REPORTING AND NOTICE OF CEASE AND DESIST.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: MS

Complaint narrative:
A lawyer and I have been work with Ocwen for about wo years trying to get thing done that they asked us to do and still have not gotten any where with them. This lawyer can not handle this he asked that I will get with you all to see what can be done. I have information to e-mail to you from his office and material to mail to you from him that you need to see. Please get with me as soon as possible so I can get this to you I can e-mail this to day or tomorrow in his note he said he will give you all information that is needed. Thanks XXXX XXXX, Yes got behind but did everything they asked us to do to sell this house. we have the process and steps I had done to get this house sold and also they ask me to give it back to them tried that. you have to look at what the Lawyer did.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I bought a home in XX/XX/XXXX with my spouse. In XX/XX/XXXX my wife XXXX and I applied for assistance from HUD. I had a forbearance agreement with and completed it. In XX/XX/XXXX, Ocwen purchased the loan. At that time, my account was current which is stated by Ocwen in one of my emails. I 'm trying to arrange to pay off my loan and Ocwen says I have a balloon payment of approximately {$12000.00}. I 'm trying to find out how did that happen and where did it come from. Ocwen has yet to tell me how it was incurred. As part of my forbearance agreement with HUD, I had to pay additional monies to get current so I have no idea where it came from. Initially, Ocwen told me that they only purchased the loan and that I would need to speak with HUD to determine where the {$12000.00} came from. Ocwen told me initially that they received the loan from HUD and had no documents on hand. I called the HUD office, located in Oklahoma and they told me they did not sell the loan to Ocwen and did not know who sold it. In fact, they had not owned it since XX/XX/XXXX. So I told Ocwen what HUD stated and asked them to find out who did they purchase the loan from. They responded by saying that they could not verify who they bought the loan from. I 've asked them several questions in regards to my concerns and they never answer my specific question. For example, I ask them to assume that I did not have this balloon payment due, would my principle payoff balance be less than {$5000.00}? According to my amortization schedule, it would be as of XXXX XXXX. They never answered my question. Ocwen has yet to show me how an additional {$12000.00} was incurred. The first email I received stated that there would be " no payments accepted after XXXX XXXX, XXXX ''. Then they changed and stated that as part of some Fresh Start Program, I was granted another 10 years to pay the remaining balance. In a later email they sent me another amortization schedule that ran another 2 years which ends in XXXX XXXX. Why would I want to do that? My last email that I sent, I told them if they could not provide any information of how or when this balloon payment was generated they should remove from my note. I HAVE NOT HEARD BACK FROM OCWEN ON THIS LATEST EMAIL!

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: MI

Complaint narrative:
Ocwen Loan Servicing LLC offered a " PERMANENT '' modification for my mortgage which was for a specified a fixed rate ( not the current ARM ). The paperwork was to be sent back to Ocwen by XXXX XXXX, 2016 with the initial payment due by XXXX XXXX, 2016. I sent the paperwork AND the initial payment of {$410.00} by XXXX. It was delivered on XXXX XXXX and the payment was posted on XXXX XXXX as a " forbearance payment ''. Now Ocwen has changed it to a " TRIAL '' modification plan and sent a letter today ( XXXX XXXX ) saying I have missed a trial plan payment! Everything said the next payment of {$410.00} was due on XXXX XXXX, 2016. How could a payment be missed already, just 2 weeks later? I was to make a payment by XXXX XXXX and the next XXXX XXXX. They want XXXX payments now before XXXX XXXX. This is a bait and switch tactic and it appears they have been doing this for a while now, according to the website XXXX. Many Ocwen mortgage holders seem to have experienced the same thing, receiving paperwork that indicated one thing and then more paperwork saying something else, or seeing their account on the Ocwen website say one thing and seeing it changed to something else a day later! They are playing games with people.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Ocwen Financial Corporation
State: IN

Complaint narrative:
I purchased a home in XXXX Colorado in XXXX of XXXX that I had financed through GMAC Mortgage. As a result of a divorce, I was forced to file bankruptcy XXXX XXXX, XXXX, and the bankruptcy was discharged on XXXX XXXX, XXXX, and was closed as a no asset matter. 
GMAC filed a motion for relief from stay in the bankruptcy, and obtain permission on XXXX/XXXX/XXXX to foreclose on the house. Rather than foreclose on the house, GMAC sold the loan to Ocwen Home Loans. Ocwen Home Loans has sat on the house for the past five years, and has not foreclosed or taken possession of the property. 
Because GMAC sold the loan instead of foreclosing, and the fact that Ocwen Home Loans has sat on the house for the past five years, I can not be approved for a loan to buy a home for my family to live in. I was discharged from the mortgage over five years ago, but because of something out of my control, I can not be approved for a home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
US Bank owns a property in a Homeowners Association in XXXX XXXX XXXX. The foreclosure process has been completed, but the bank has failed to upkeep the home. US Bank secured the property in 2014, and it is the Association 's understanding that the property is now under the management of XXXX on behalf of the bank. After several attempts to contact the bank, the Association 's management agency was contacted by XXXX regarding property violations that were outstanding. The Association explained the process to rectify the violations, but it has now been over six months and the property 's appearance remains less the slightly. The Association has received several complaints from members of the community and owner 's are worried that the aesthetics are effecting the property values of the surrounding homes. Despite multiple letters to US Bank and attempts to contact XXXX, requests go unanswered and the property sits just as it did during the foreclosure process.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Ocwen and/or XXXX XXXX XXXX fraudulently obtained my personal and sensitive loan data from my XXXX mortgage holder XXXX XXXX. Owen wrongfully foreclosed on my home on XXXX XXXX, 2016. I obtained information from my XXXX lender XXXX XXXX on Tuesday, XX/XX/XXXX that they received a phone call on the day Ocwen auctioned my home fraudulently using my ex husbands name. My ex husband is willing to testify that he did not call in. The person had my ex husbands name, loan number, birthdate, last XXXX of his social security, and knew the property address. After XXXX XXXX verified who they thought was homeowner on the loan, the preceded to offer my loan status, my reinstatement amount, my current interest rate, and a payoff quote. Now only ocwen knew my ex husband information as he was on that loan too. They fraudulently used his name to to obtain the information to conduct a wrongful foreclosure. Or perhaps they helped XXXX XXXX XXXX obtain that information. I would like Ocwen and XXXX to answer to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MO

Complaint narrative:
mortgage co fail to report proper credit

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
OCWEN Mortgage company raised our percentage rate which resulted in a XXXX % increase in our mortgage payment per month. It is forcing our family to sell the home, potentially at a loss. What adds insult to injury, is that OCWEN claims that they notified us 30 days prior, but I check out mailbox every day, and we received the updated bill 16 days before the due date. How is a family of XXXX supposed to be able to survive with evil mortgage companies like OCWEN existing in this world? We originally signed our mortgage with XXXX XXXX who then sold our mortgage to INDY MAC who then sold it to OCWEN. For 10 years we have never had a missed or late payment. I blame all of the companies involved that is forcing us out of this home and holding our good credit rating at ransom. This is extortion in the modern age.

Company response to consumer: Closed
Consumer complaint received 2015-04-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
Fraud by my mortgage company - not complying with the Obama law about the mortgage and receiving false documents.I asked for copies of our taxes and received paperwork with my name with incorrect address. 
They have been increasing our escrow and I believe trying to cheat us all the time. When they gave us a loan mod there were stipulations which should not have been plus the principal was not reduced. We were under water and the house at the time was not worth what is owed, we have not moved and have had the same address for over 10 years. We never received documentation of them taking over our loan. 
We have asked them for original documents and they can not provide them. 
They always send some form of excuse. I am tired of every year they are always increasing our payment. 
They keep sending all these paper work with false documentation and no one is holding them accountable and I have had enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I discovered that my mortgage servicing company records indicate that I am ahead in mortgage payments. I never intended to " pay ahead '' but have paid money in excess of the minimum payment to be allocated against principal. I requested an audit of the account and for an accounting of payments made and the allocation of those payments since the servicing company bought the account from the original lender in order to validate that payments have been properly applied. They state that an accounting was sent to me and charged {$5.00} for this service ; however, no accounting has been received. I have requested the information be emailed to me. I have called on multiple occasions and written via the website internal messaging feature. To date, I have not received the information sought. My account information on the company website shows only minimum payments received and applied to the account. The website provides only the last XXXX months of payment information, despite a feature that purports to provide XXXX months of information. I want more than XXXX months of information but do not know exactly when they took over the loan. When I call, their automated answering mechanism does not recognize my SSN which sends me into circular query until I have exhausted all attempts. After this time wasting exercise in patience, I am connected to a human who indicates my SSN is properly associated with the account. I have notified the company XXXX of this problem. The customer service representatives are clearly reading a script, are not helpful, and refuse to transfer me to supervisory personnel.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I finally ( after 1 year! ) got a reasonable loan modification from Ocwen -- I thought. After being verbally told that my loan went through ( in XXXX ), I still have not received final loan docs. The problem, I assume, lies within the escrow payment. I have paid my own taxes and insurance since I 've owned my home. Yet, Ocwen has been escrowing my account at ~ $ XXXX/month since XXXX XXXX. 
I 've sent in proof of insurance to Ocwen no less than XXXX times ( since XXXX XXXX ). They put lender-purchased insurance on my account as of XXXX XXXX. I have sent in proof of XXXX and XXXX insurance since XXXX XXXX, speaking with an agent on the average of once every two weeks, with no movement on their part. As of XXXX, I finally stayed on the phone FOR XXXX HOURS while they bounced me from department to department, for me to understand that what one department saw on their computer was not being seen on the escrow department 's computer. Ocwen is always telling me that " they 're researching it '', but this agent acknowledged receipt of the document, called my insurance to verify XXXX insurance, then promised me the file would be updated. He then sent the problem to an escalation manager, who was to call me back to verify the transaction. Well, here it is two months later, and this placement of insurance has messed up the escrow account, made it seem as if I 'm behind in payments, and is driving my credit rating down. 
Additionally, I have always paid my own taxes, yet, I 'm being escrowed for this. Upon loan modification, an Ocwen agent insisted that my account would need to be escrowed for the taxes. After receiving notice from the County Assessor ( in XXXX ) that my payment was past due, I contacted Ocwen re paying the taxes. XXXX XXXX is the first time they have paid taxes on my behalf. Where has all this escrowed money gone ( since XXXX XXXX )?! At their request, I 've sent in proof of tax payment for the last XXXX bi-annual payments ( XXXX XXXX and XX/XX/XXXX ). They have sent me no proof, even though XXXX agent maintained they paid in XXXX XXXX also. The County Assessor has no record of their payment. 
So essentially, they have MORE THAN ENOUGH proof of my tax payments and insurance, yet my account has been escrowed since XXXX XXXX. Ocwen has only recently purchased home insurance ( which I already had ) and paid taxes once ( at my reminding ). Thus, WHERE IS THE MONEY I AM OWED?! Why can some of their agents see proof of the aforementioned, yet it never shows up on the computers which would set my account in order?

Company response to consumer: Closed with explanation