vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: SC

Complaint narrative:
I have been trying to get Ocwen to allow me to sell my property through a short sale since XXXX of 2016. Ocwen will not give my listing realtor a letter authorizing her to list the property as a short sale. The XXXX XXXX XXXX XXXX requires that when the listing realtor places the property in the XXXX she has to state whether it is being sold as a short sale or not. And without a letter from Ocwen saying that Ocwen will consider a short sale ( not approve but just consider ), my listing agent can not say in the XXXX that it is a short sale. All we need is a simple letter saying that Ocwen will consider the short sale so that we can list it on the XXXX as a short sale. 
I have submitted at least XXXX short sale applications, just hoping to get Ocwen to say that it will consider a short sale. But of course Ocwen wants a sales contract, so it refuses to respond to me or review my application. But of course I can not get a sales contract or offer because the XXXX does not permit my realtor to list it as a short sale, without the statement from Ocwen saying that it will consider a short sale. 
All we need is a letter, a simple letter, and Ocwen will not provide it. The house is in foreclosure, and I have spent countless hours dealing with short sale applications, dealing with the court and with Ocwen 's attorneys, and no one can get Ocwen to provide a simple letter saying that it will consider a short sale. That 's all I need to allow my listing realtor to move forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
I am having a very difficult time with PennyMac. I am trying to avoid a foreclosure. I have put my property up for sale. As of 2 weeks ago I have an offer at market value. My realtor and I have been trying to get a hold of XXXX XXXX XXXX the assigned rep at PennyMac for the past 2 weeks. She never responded by email or phone call. When we would call PennyMac to try and get an update from them, no one could give me any information or get me in touch with XXXX XXXX XXXX. We were told today that PennyMac will not stop my sale date of XX/XX/2017 or review my short sale. We were told there is " not enough time ''. That is the exact reason we having be trying to communicate with PennyMac 2 weeks ago! I feel like PennyMac has done this on purpose and is back dooring me into foreclosure. I am be forced into a foreclosure because of the dysfunctional system at PennyMac

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
I have an interest only loan held by XXXX, after many servicers the loan ended up with Ocwen servicing. For years there was no escrow set up so I paid the real estate taxes directly. Its a condo so there was no insurance escrow. In XXXX 2014, I made a partial payment of the taxes. Ocwen, then paid the remainder and then notified me that my payment now must include XXXX months of an escrow payment. The escrow payment they demanded each month would total {$10000.00} per year. However, the taxes were only {$600000.00} per year. Thereafter, I continued to make the tax payments. However, the bank continued to allege that I owed these prior escrow payments. I wrote numerous letters to try and resolve the matter. However, they continued to return my payments, and now put the loan in default and are filling foreclosure. Their reinstatement figure includes escrows which are not due. They call numerous times and each time the new caller has no information regarding the last explanation. My credit has not been irreparably harmed.

Company response to consumer: Closed
Consumer complaint received 2015-09-17 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: VA

Complaint narrative:
Received a phone call on XXXX XXXX 2015 from XXXX @ XXXX with caller ID as 'UNAVAILABLE ' Left an automated voice message stating " This message is for XXXX '' XXXX Immediately, I recognized the caller had the 'wrong number ' because no XXXX resides here ) and continued to state, "... this call is not a sales/marketing call. Hunter Warfield is a Debt Collection Agency and advised to call XXXX between M-F ( EST ) XXXX - XXXX When calling refer to number ID : XXXX. '' A return call to the toll-free and local number, each call was answered with the name Hunter Warfield in the greeting. Apparently, they are a debt collection agency. Area code for XXXX is XXXX, Florida. http : //ww2.hunterwarfield.com/ Mailing address for : Hunter Warfield XXXX XXXX XXXX XXXX. XXXX, FL XXXX / XXXX : XXXX XXXX : XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: OK

Complaint narrative:
I received a flyer in the mail stating that Ocwen was part of a {$2.00} XXXX settlement. I have a mortgage with Ocwen on my secondary lake home at XXXX XXXX in Oklahoma. I contacted the XXXX number as was told since XXXX owned my asset and that they were exempted from the standard Mortgage banking rules, that I had to default on our monthly payment to be recognized for the reduced rate. I do not believe this is true. Please confirm.

Company response to consumer: Closed
Consumer complaint received 2016-09-24 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Wells Fargo is trustee to the account of my mortgage, serviced by XXXX. For the last five years I have battled these companies over issues such as illegal foreclosure, where they sold and repurchased the property for XXXX more than the original loan while I was applying for loan modification. Wells Fargo rescinded the sale but left the principle balance at the higher amount. Communicating with them is impossible as the call center is outsourced to XXXX. There is no communicating with these people They simply do not understand the issue and are like robots you can barely understand. Wells Fargo denied they have a connection to me. I am unable to participate in any programs to save my home. Apparantly this is an illegal XXXX equity loan that we simply did not understand. How can the average consumer win with the big business bankers? Who can help? What happened to the american way? After 16 years of paying a mortgage my principle balance is more than the original loan and I will lose the house XX/XX/XXXX. I was offered only to agree to foreclosure, no other options available from XXXX, the servicing company who 's motto is ; " Helping people is what we do '' This is my last attempt to find someone who will listen. I will have to let them win in the end and just walk away like so many other americans have had to do. Lose everything and start again while executives live the life of luxury. In XX/XX/XXXX-XX/XX/XXXX I invested XXXX dollars with an attorney and a class action suit to battle XXXX and Wells Fargo. Just before settlement my attorney disbarred and left me hanging. If this complaint is actually seen or read, I respectfully appreciate any help or direction with the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: OK

Complaint narrative:
I PURCHASED THIS HYUNDAI XX/XX/XXXX AND MADE PAYMENTS FOR 4 YEARS, FOUGHT WITH THE COMPANY THE ENTIRE TIME, ABOUT PAYMENTS REPORTED LATE EVEN WHEN CALLED IN ON TIME! IF I MAILED IT, IT WOULD BE 60 DAYS LATE! I PAID THIS VEHICLE OFF 4 YEARS AGO, HAVE CERTIFIED MAILED XXXX LETTERS STARTING XX/XX/XXXX TO REMOVE THE NEGATIVE REMARKS FROM MY CREDIT, IT WAS NEVER MARKED DISPUTED UNTIL I WENT THROUGH TRANSUNION TO DISPUTE, THE CREDIT BUREAU THEN MARKED DISPUTED AND IT WAS DENIED AND VERIFIED ... .BY HYUNDAI MOTOR FINANCE BUT THEY COULD NOT PRODUCE THE ORIGINAL CONTRACT OR PAYMENT DATES REQUESTED NUMEROUS TIMES! I HAVE YET TO RECEIVE A RECEIVE A COPY OF THE ORIGINAL CONTRACT AND PAYMENT RECORDS I REQUESTED FROM HYUNDAI MOTOR FINANCE, ONLY XXXX LETTERS BACK ASKING FOR INFO FROM ME AND MY SIGNATURE!! I AM AT A SMALL CLAIMS STAND POINT FOR NON-COMPLIANCE FDCPA Section 807 ( 8 )!!! I HAVE CERTIFIED MAIL SIGNED CERTIFICATION THAT THEY RECEIVED MY LETTERS. ALL I 'M ASKING IS FOR THEM TO DELETE NEGATIVE REPORTS FROM ALL XXXX CREDIT BUREAUS, THEY GOT THEIR MONEY, PAID OFF IN FULL, 2 YEARS EARLY!

Company response to consumer: Closed
Consumer complaint received 2016-07-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
XXXX XXXX, 2016 To whom it may Concern : I, am stating I sent Ocwen Loan Servicing , LLC a letter of settlement of account by certified mail on XXXX XXXX, 2016 and a QWR by certified mail on XXXX XXXX, 2016 and Ocwen responded back to me on QWR on XXXX XXXX, 2016. I still have n't received answers/concerns regarding the loan. I am requesting a {$13000.00} settlement or modification of {$24000.00}. 


Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
I requested a break down of the fees which are considered arrears from Ocwen XXXX totaling {$9300.00}. After receiving break down ledger it indicated there were double amounts of charges for " property Valuation expense charges. '' Example of those charges billed were {$320.00} and property inspection fee of {$10.00}. They were charged sometimes twice a month. HUD was involved and in XX/XX/XXXX the Ocwen became the lien holder with starting out over {$10000.00} in fees. After requesting for modification that went through after drop in income, what was a fixed loan became a balloon at the end of the maturity requesting collection of the balance of the loan over {$40000.00}. I asked why ca n't we just do the lower interest because now I am working with a better income and not require this " balloon, '' during the time of the trial period, my answer was it 's better for you. They continue to add 10 years again on to the loan, which I do n't understand, it was mature at XX/XX/XXXX now I was told today it is XX/XX/XXXX. No correspondence was sent to me of this change.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-14 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Kansas Counselors, Inc.
State: MO

Complaint narrative:
I disputed a account with Kansas Counselors of K collection first on a recorded line and I also requested for validation of the debt to be sent over to me. A few months went on still nothing. Then when I spoke with Kansas Counselors debt collector XXXX she gave me so much inaccurate information regarding the file they alleged I owe for a hospital in the amount of {$510.00} they stated that they never did send out the validation, they sent it out a validation but it was for a different account. The debt collector XXXX kept stating to me she never seen anything about a dispute and that still have a balance and they ca n't remove it when though I told her I was working the day the collection agency is stating that I was seen at the hospital. She never tried to help me find other options as to going about and getting this resolved. I feel that they agency is doing is not collecting under the Fair Debt Collections Practices Act and it is unfair for consumers like myself. Please help me in regards to this matter. 
Thank you for your concern of this situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
This is my 4th complaint about OCWEN mortgage. I figure on the 3rd compliant with your company this would finally resolved the issues. They have decided to raise my escrow account again when my property taxes is less than XXXX a year but want to charge me XXXX a month in escrow for taxes. They was over charging me for years and sent me a refund check for over XXXX in XXXX for their mistakes and now they are starting it over again. My mortgage per the paperwork they sent me was to be XXXX a month but I been paying XXXX. Well last month they raise my mortgage to XXXX which is incorrect and I paid my regular amount of XXXX and now they are showing me late. 
I am at my wits end with this company. I barely understand the representative when I called in due to they are based in another country. They do n't want to assist you just want to make you pay the wrong amount. My bankruptcy is about to be over this month and I feel again they are trying to make me lose my house. I do n't know what to do anymore with this company. Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
I believe OCWEN Loan Servicing , LLC has committed robo-signing and mortgage document fabrication. In XX/XX/XXXX, I asked OCWEN a simple question " If I sell my house today, how much is the payoff amount ''. OCWEN told me a higher amount and that is when I became suspicious. 
I started to check over my documents and XXXX Office of City Register filed documents. I noticed there has been no assignor since XX/XX/XXXX after INDY MAC bank went bankrupted following the mortgage crisis in XX/XX/XXXX. It looked to me that no one owned the mortgage note and it was n't assigned to anyone. I told OCWEN that the mortgage was n't assigned to anyone and I asked them who is the owner of the mortgage note. XXXX told me that XXXX XXXX owned the mortgage note but when I called XXXX XXXX they told me they are not the owner or not affiliated with OCWEN in any way. So XX/XX/XXXX, OCWEN decided to file an Assignment of Mortgage which I believed is fraudulent. OCWEN, " XXXX '', XXXX XXXX XXXX, XXXX XXXX XXXX all share the same address. " MERS '' assistant secretary XXXX XXXX, who created the Assignment of Mortgage, does she exist. What is going on here.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-15 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I continue to receive collection letters from a servicer that has not proven it has authority to send me collection letters.

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

Complaint narrative:
our mortgage has been sold out to OCWEN LOAN SERVICESAttention : SCRA or ServiceMember XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX : ( XXXX ) XXXX has a very strange mortgage services on XXXX/XXXX/2015 we send XXXX payments in XXXX separate transactions XXXX for regular monthly payment of {$2000.00} and a second payment of {$35.00} to be applied to principle. 
then again on XXXX/XXXX/2015 we paid OCWEN {$2000.00} plus another {$13.00} for principal payments. 
in both cases OCWEN did not apply the entire amount to the principal instead they applied it to the following monthly payments of XXXX and XXXX respectively where we asked them to apply the entire extra payment to the principal. Since we did made the regular payments on time and did send the extra payments too we hope Ocwen does the right thing and apply the entire extra payments to the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
Ocwen has made my experience with them terrible. I went from a 2.99 interest rate and out of know where it increased to 6.74 %. I have tried to refinance my rental property with my bank but due to the property not worth what I purchased it for I do not have enough equity in the property. Ocwen talked me through trying to get a modification this process took six months and I received a denial. A 6.74 they have me trapped in is unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: AmeriCash Holding LLC
State: MO

Complaint narrative:
I have fallen behind in my payments to XXXX, and they keep calling my work. I have called and demanded they stop calling my work as it has caused me great embarrassment with my staff as the fact that I have a loan has been disclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
I have made numerous extra payments to Ocwen Loan servicing for my mortage. According to the online payment information, Ocwen holds payments in suspense and credits whatever amount it chooses to principal, but each month send me a letter that I am past due. They should be put out of business, but I would settle for my account being corrected. They do not return emails and if they call they do not speak English..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First Associates Loan Servicing LLC
State: IL

Complaint narrative:
First Associates XXXX XXXX continues to indicate I owe a debt to them ; however, they continue to refuse to communicate anything with me when I call to get them to verify the information. I never opened an account with First Associates or XXXX XXXX, and that account needs to be removed from my consumer report ( s ).

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 2016-05-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Our mortgage company ( Ocwen ), after charging us an undisclosed fee ( without ANY written notification ) has emailed us a notice that they are moving forward with foreclosure procedure. This is despite the fact that we are current on our mortgage. In our 13 years with this mortgage we have never even been late on a payment. Even their phantom fee which they have charged us ( again, only verbally over the phone ) was not a full month behind their schedule when they sent us the letter. 

We reported some of their fraudulent activity in a past case ( XXXX ). However, their attempt to resolve the issue has taken a dramatic setback when their fraudulent activity and inability to deal with it in a timely manner is now going to cost my family a negative mark on our credit score and potentially the ability to purchase a house that we were hoping to offer on today. 

The primary reason for my suspicion that it will not be dealt with is their reputation. There have been XXXX of homes foreclosed on illegally over the past few years. As always, it has been very difficult to get anyone from the company to talk with you. I finally have the number of someone who can actually make a decision, but am now having trouble getting a hold of him.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I was forclosed upon on XXXX XXXX, XXXX, so this is not a current loan situation. I did n't know about your bureau during the time I was trying to work with my mortgage servicer. Beginning in XXXX I applied several times for a loan modification with my then mortgage servicer, IndyMac. I was turned down XXXX to XXXX times. I lost {$1400.00}. a month income in XXXX and had not been able to get a job plus was unable to work a full time job and at times a job at all due to being XXXX. I had not gone through the state XXXX process since I was still collected spousal support. I was trying to better my life, so that I could work at something and get more income to support the house I bought in XXXX. I know now that I was maneuvered into bad loans and that I was qualified to buy a home that I really did n't have the income to support. The person who brokered my loan did not work in good faith with me and in fact took advantage of the then laws or may have broken some to get me into my home and collect allot of money for doing so. At the end of XXXX, my loan was sold to Ocwen Loan Services and I began applying for modification help with them. I was never approved with a final reason being " they do n't give modifications ''. Finally I hired Real Estate professionals to help me get approval for a short sale, which originally this Company said I qualified for. After several Real Estate pro 's and XXXX well qualified buyers the Ocwenb Company tuned down my application for doing a short sale or a sale in general. I lost the buyers ofcourse. During the XXXX, XXXX and XXXX of XXXX, the value of my home had climbed and I could have gotten at least approximately {$50000.00}. 
from a sale of my home. Instead my home went into foreclourser and left my possession on XXXX. 

It cost me about $ XXXX to buy the home. I put approximately {$55000.00}. in upgrades in as well as paid some money on principle and mostly interest only. I am XXXX and this is a huge gouge into my future ability to live. I may have been duped on buying this home and ultimately I made the decision on the loans, but I was taken advantage of. Then a mortgage crisis comes along and finished me off as it did on so many people who did nothing wrong and lost homes, jobs, investments at older ages. 

This whole situation is a travesty and I believe the mortgagees, owners of our loans should have had to make each and every home loan situation work because they, and their whole industry caused the problem we suffered for. I would like help in re-cupping money lost, at least what I would have gotten in selling the house, myself, in XXXX. I think that is the most fair outcome of this horrible event.

Company response to consumer: Closed with explanation