vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
Case number : XXXX : Your submission, [ Case number : XXXX ] XXXX XXXX XXXX Reply | To : Consumer Financial Protection Bureau XXXX XXXX ; XXXXXXXXXXXX & gt ; ; Tue XXXX/XXXX/2016 XXXX XXXX Good afternoon and now we have yet ANOTHER challenge in regard to the OCWEN error regarding the amount they WANTED as owed as to the amount they settled on a month ago. 
SO, I received all documents stating that the actual amount to be paid into ESCROW was still $ XXXX and, I 've already paid in {$1000.00} of it as they gave me NO OPTION FOR AN INCREASED PAYMENT for a year possibly, but we are taking care of it so by the time in XXXX the taxes are due again, the money will be paid in. AS OF THIS PAAST WEEKEND, I received a communication stating they noticed I was having a difficult time paying my mortgage and I HAVE NOT YET EVER MISSED A PAYMENT. Yesterday, I received XXXX notices of DEFAULT and STILL have not missed a payment as I continued paying the amount of the regular house payment owed as specified UNTIL THE ISSUE BECAME RESOLVED. THIS was my obligation until they resolved the error they had made. 
I do not want to be in fear of losing my home after all these years because of a mistake I DID NOT MAKE and Ocwen can not resolve. They did, as I said, give me an amount that was outstanding after they made all their adjustments from the near $ 30K originally stated and the approximately {$3400.00} that they are looking to be paid in however, no effort was made to contact ME since it was their error to have me perhaps pay in monthly as there was incidents where they have done that in the past if the amount was short for whatever reason. 
I have also contacted the Ombudsman office at Ocwen about the resolve and what I consider to be another gesture IN ERROR on their part since not many people can just " find '' {$3400.00} to plunk down for a mistake they did not make. 
Thanks again for your assistance and here is my account number with OCWEN XXXX. 
Money is, like I stated, being paid down from the $ XXXX they stated was the amount and {$1000.00} is already sent in and processed toward the total. Next amount would go to them on or near XXXX/XXXX/2016 and then the balance in a similar frame when income tax money arrives from tax return processing. 
Thanks. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX

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: NY

Complaint narrative:
We have a mortgage with OCWEN Loan SeXXXXrvicing. Payments are made on the first of the month and they do not seem to get processed until the XXXX of the month. NO late fees area accessed as they start on the XXXX. They are stating no payments were made in XXXX and XXXX. All payments are made from a XXXX XXXX bank. I have spent hours on the phone with them, providing them with the actual bank statements as they wanted to make sure the amount was subtracted from the account which checks were written and withdrawn through ACH, no cancelled checks are available. They will not process the amounts and are asking for a cancelled check. I can not make anyone understand as XXXX is clearly the XXXX language of ALL agents.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
I have never had a loan with Ocwen, however they are reporting negative loan information on my XXXX and XXXX credit reports. I have repeatedly filed disputes with these credit reporting agencies and they keep telling me they have verified that these mortgage loans are mine. I 've even asked Ocwen to show me the loan origination papers that I signed if this is my loan, but I have not received any response from them. Please contact Ocwen and advise them to delete this negative information off of my XXXX and XXXX credit reports. ( This is not reporting on my XXXX or XXXX credit reports ) The account in question is showing on my XXXX and XXXX credit reports as : OCWEN LOAN SVCG LLC # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
Greetings, After an escrow analysis OCWEN indicated that if our loan was contractually current, they would refund {$4300.00} in escrow overage. We spoke with their Ombudsman XX/XX/XXXX ( around XX/XX/XXXX ) and they indicated that we need to be current as of XX/XX/XXXX so we agreed to pay XX/XX/XXXX and XX/XX/XXXX on XX/XX/XXXX and they agreed that should be fine and they would send us the overage. The person stated that it takes a few days for their system to apply the XXXX payment we made on XXXX/XXXX/15 so as of XX/XX/XXXX we were still technically late since we did not make the XX/XX/XXXX payment on XXXX/XXXX/15. This was fine by us and we planned to make XXXX payments of XXXX for XXXX and XXXX on XXXX. We noticed today ( XX/XX/2015 ) that their web site indicated that we are not longer current on our mortgage due to some payment reversals that Ocwen made on XX/XX/2015. They now say we owe for XXXX 2015 in the amount of {$1100.00}. We assume that we then will also owe for XXXX and XXXX 2015 as well. We spoke to their Ombudsman today and they indicated that they are not sure what has happened and agreed to contact their bankruptcy department ( we are in chapter XXXX ) and for us to call back in 7-10 business days. My wife contacted them regarding a similar issue a few months ago and her call was never returned which prompted my most recent complaint before this one to get answers and to get the escrow analysis we requested XXXX months ago. We finally did receive the escrow analysis which indicated that we need to pay the " contractual '' amount of {$2200.00} as opposed to the post petition amount of {$1900.00}. At this point we are not sure what payment to make and do not understand the payment reversals. If we wait 7-10 business days we will be really close to XX/XX/XXXX and the next payment will be due. Should we pay what is reflected on the web site for XXXX 2015 ( {$1100.00} ) or the contractual amount of {$2200.00} or the post petition amount of $ {$1900.00}? It seems to take a while for them to respond to we decided its best to at least file a complaint with you. We are not attempting to be difficult. We just want to know what payment to make and if the escrow analysis they provided is still accurate. Our chapter XXXX was scheduled to be done by XX/XX/XXXX but we are still making the last few payments and we have not been formally discharged. We suspect that their system automatically did these payment reversals assuming we were out of the chapter XXXX. We have no proof of that, just a coincidence that this happened in XX/XX/XXXX. Please help us understand what is happening with our mortgage. Thank you for your help as always.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Conduent Incorporated
State: GA

Complaint narrative:
I have attempted to resolve this already with Ohio Eppicard, a child support debit card. There are purchases over the course of several months on my account I have disputed, mostly XXXX charges. I become aware of such charges approx XXXX 2016 at which time I notified the debit card company. I was informed the investigation period could take up to 90 days. I recently received notification that the investigation has been complete and I will not receive my funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 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: HW Holding, Inc
State: MN

Complaint narrative:
Hunter warfield has been calling me for two years straight over 10 times per day in regards to collecting a debt that does n't belong to me. I 've spoken with them about this yet and still they call.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
Two years ago XXXX, we applied for the XXXX XXXX XXXX savings program through M & T and were subsequently approved by the representative we worked with ( who is no longer an M & T employee ). Since then, we have successfully completed the program, making the monthly payments on time, and have completed the required counseling sessions. At this point, we have met with our loan officer several times, had all of our documentation in order, and successfully procured a mortgage loan. We were informed yesterday of a condition of the XXXX XXXX XXXX program that would have disqualified us from being accepted into the program ( I was a XXXX within 6 months of XXXX ), yet M & T approved us anyway. The person we met with checked all of the criteria for the program off for us without confirming with us that is that met the criteria, and only had us look at and sign page XXXX of a document. As a result, we did not receive the XXXX that would give us an additional {$7500.00} toward closing costs. We were told by M & T that they would do nothing to right this, despite the mistake being theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Ocwen Loan Servicing has been threatening to foreclose for over two years now, even though I have proof of EVERY payment made since XX/XX/XXXX, before they took it over. I have read horror story after horror story, never-ending, about people in the same boat. They are attempting to escrow for insurance that I pay myself at XXXX time the rate, in order to get kickbacks from their affiliates, one of them being " XXXX '' ./XXXX I called and asked for a " pay-off '' amount to make the harassment cease and desist. TWICE I mailed a check for the amount they gave me. They have so many " departments '' and so much outsourcing to XXXX that one hand has no idea what the other is doing. If my paralyzed son did not live in this residence which I bought and equipped for him, I would GLADLY tell the XXXX to TAKE IT. However, he is XXXX for over 30 years now and has nowhere else to go. I have read that one recourse is to let them illegally foreclose and then lawyers would jump all over it, but I do hate to see my son XXXX in the street through no fault of my own. I just yesterday read an article about a " granny '' who has never missed a payment since XX/XX/XXXX until Ocwen took over and sent her a bill saying she owes {$30000.00} ( yes that 's XXXX XXXX ) in " fees ''. When she and her son contested it, thought it was a computer glitch, the figure magically went down to XXXX XXXX, with no explanation. They are still to this day enduring the XXXX I am going through. There are SO MANY STORIES of this nature that I find it impossible to believe that these people are humans, much less allowed to operate as a " legitimate '' business. I thought that this was the USA? What happened?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
XXXX is showing over 120 days delinquent on a Mortgage that was included in a Bankruptcy that was discharged XX/XX/XXXX. The loan was sold to Ocwen Loan Servicing in XX/XX/XXXX a year after is was included in the Bankruptcy which is now reporting me delinquent on a loan that was discharged in the Bankruptcy. Litton is no longer in service so there is no way to get them to respond to my complaint. At least XXXX Complaints have been filed with both XXXX and XXXX regarding XXXX loan companies and have still not gotten the issue resolved. We are currently trying to buy a house and can not proceed until these issues are resolved. The property address in question is XXXX XXXX XXXX, XXXX, MD XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc
State: TX

Complaint narrative:
On XXXX XXXX, 2016 at approximately XXXX, I called to inquire about an issue I discovered on my credit report. After unsuccessfully talking with the debt collector, they asked if they could call me on at my phone number, XXXX. I said, " You may not. '' The following day, I sent them a letter. 
This morning, XXXX XXXX, 2016 at XXXX, the collector called me. They did not announce who they were. I told them, " Do not call again. ''

Company public response: Company believes the complaint is the result of a misunderstanding
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: NJ

Complaint narrative:
My Mortgage Contract states that I have the right to request Primary Mortgage Insurance ( PMI ) be eliminated once the principal balance is XXXX scheduled to reach 80 % of the original value of the property ( the lesser of the contract sales price or the appraised value of the property ). Ocwen Loan Servicing , LLC who is currently servicing my mortgage, has also provided written documentation ( see attached copy ) that once my principal balance reached 80 % l can eliminate the PMI. As of XXXX XXXX, 2015, my mortgage principal balance will hit the trigger of being below 80 % ( 79.9 % ) as the attached supporting documents detail. Ocwen Loan Servicing , LLC has XXXX denied the elimination of PMI and is now stating an arbitrary percentage of 75 % loan to value must now be met. This is in sharp contrast to the written Mortgage Contract and contrary to Ocwen 's own stated provisions. 
Property Value : Contract Purchase Price - {$430000.00} Appraisal from Licensed NJ Appraiser dated XXXX XXXX/XXXX/2015 - {$430000.00} 80 % of lesser of Purchase or Appraisal ( {$430000.00} x 80 % ) - {$340000.00} Principal Balance of Mortgage after XXXX XXXX, 2015 Mortgage Payment - {$340000.00} Loan to Value percentage after XXXX XXXX, 2015 - 79.91 % Since my principal mortgage balance is below 80 % of the property value according to Ocwen 's own requirements, there should be no question that PMI should be eliminated after XXXX XXXX, 2015. 
I have documented this and sent XXXX letters and E-mails to Ocwen and all have been outright denied, even after I complied fully with all requests from Ocwen, even obtaining a current Appraisal from a Licensed and certified appraiser at my own cost. Your assistance in this matter is greatly appreciated as Ocwen does not provide telephone numbers to reach anyone at their Headquarters facility to discuss directly any issues/concerns. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Ocwen Financial Corporation
State: IN

Complaint narrative:
My mortgage company is reporting to credit bureaus that my account is closed due to bankruptcy filing of chapter XXXX. I am in a current chapter XXXX and making regular monthly payments to them but that not being reflected on my credit reports. i have called numerous time to have it corrected but nothing gets done and my cr5edit score is being effected by it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I submitted a loan modification back on XXXX XXXX, XXXX and was denied XXXX XXXX, XXXX. I have fallen behind on my monthly payments for various reasons. I have not had a stable income because I have been employed and unemployed throughout the years. I lost my job in XXXX and all of XXXX I was unemployed. I got by on a day to day basis depending on the rental income that I would receive once a month but as of XXXX XXXX the tenants stopped giving rent. My son who was also helping me financially moved out and I have had to stay and deal with the tenants who are occupying the home without paying. I have seeked helped to evict the tenants but it takes money ; which is something I do n't have. I 'm doing my best to try and save my home. I have thankfully been blessed with another job but I do not have the money to reinstate based on the circumstances that I have mentioned. Please help me save my home as I do n't know where I will go if I lose it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
I am a single mother of XXXX children currently living in my home in Pennsylvania. Me and my husband divorced 2 years ago. When my home was refinanced in 2005, unbeknownst to me I was not put on the loan document, only on every other piece of paper. Now that I am divorced and living in the home, and paying the mortgage, did I find this out. Ocwen will not assist me in anyway in getting the home out of my ex-husbands name, and into my name. I pay the mortgage, taxes, and maintain the property. I am on the deed and my ex is willing to sign everything over to me but nobody will help. I can not refinance because the house is about 70k underwater due to the economy. I do not qualify for HARP because its not owned by XXXX or XXXX. What are regular people supposed to do in these instances? I pay my taxes and bills on time and now I 'm stuck. I do not want to be forced to do a short sale or deed-in-lieu and Ocwen has got to be the worst company to deal with hands down. I have been through XXXX and back with these people over the last 5 years. They have redone my mortgage only to " forget '' to add the taxes/insurance into the payment and then ask me after a year for the 6K and try to forclose on me..I tried modifications with them only to get 2 years of run around and missing paperwork, again almost putting me in foreclosure. I can not take them anymore..how they stay in business is criminal. 

I need help, and I have no where to turn. I would appreciate someone guiding me in some direction for help of any sort at this point. 

Please..I 'm begging..help the rest of us homeowners who are underwater, scared and about to lose everything because of the big banks shenanigans. We bailed them out ... who is helping us?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: HW Holding, Inc
State: MN

Complaint narrative:
I called the number XXXX to hunter warfield inc, when I was talking to the collector he mention this company charges interest of 6 %, when I asked why they charged is a collections he told me is what they charge period I try explain if they have any documentation about that he said, I asked for the validation of the debt he was telling me that paper is XXXX that important since account is already in collections I ask anyway.I want informacion why this collections is charging interest. my social # XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: TX

Complaint narrative:
Hunter Warfield is price gouging. I have attempted to settle the debt. The company continues to raise the price. The first settlement was XXXX then XXXX now it 's XXXX. I paid XXXX to the original debt at XXXX. The company was sold now hunter Warfield is trying to from them and take advantage of my situation. The rent owed was XXXX of which I paid XXXX before I left ( courthe documents prove ). Now, there were clothes on the floor when I left that 's it. Carpet must be changed for each Tennant as per tn state code yet they charged me for carpet. I was actually in my last month of my lease so there were no extra charges. I am willing to pay a fair amount, XXXX is ridiculous expecially since the company no longer exists.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc
State: TX

Complaint narrative:
This has been on my credit for over 7 years. After 7 years it 's supposed to drop off of my credit! .... plus I have no idea what this is even from. I have had lots of fraud on my social security number. Even the IRS has contacted me about this.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-15 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: Operating Partners Co., LLC
State: PR

Complaint narrative:
I KEEP GETING CALL FROM OPERATING PARTNERS CO, LLC, TO MY JOB PHONE NUMBER AND THIS IS THE XXXX COMPLAINT FIRST XXXX IS # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
I request a finance quote on the around XX/XX/XXXX, and they gave me one quote on XX/XX/XXXX, that quote as expired, and I needed another one to be send in, and they told me, the system is down and do n't know when it will be up, and running. I told them I needed it by tomorrow, and they keep telling me they do n't know when, the system will be up and running, it can be any time. But if I do n't get it by Friday. It is going to cost me money I do n't have, and a lots of grief, I do n't want.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Ocwen has the new payment wrong ( was interest only and principal payoff is starting now ), admits the mistake, but wo n't send a new statement with the correct payment. We 've wasted XXXX hours on the phone with their XXXX call center who keeps passing the issue around in circles. They have a payment based on 5 yrs rather than 15 yrs as per the loan docs. They realize this is wrong but XXXX ca n't seem to fix it.

Company response to consumer: Closed with explanation