vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
Ocwen has made numerous mistakes, delay tacktics, postdating items I have sent in, and now decided to foreclose without any notice or proper advertisment of my foreclosure. On XXXX XXXX I received a letter from Ocwen stating that my loan had been postponed and that as of this date, no future date has been determined. I continued to sell my house and my house is due to close on a sale in XXXX days. I submitted this information to Ocwen on XXXX the XXXX. They wrote me on the XXXX that my home was being sold at auction Tomorrow XXXX XXXX. I supplied them with a copy of the letter and they wrote me back and stated they did not need to give any notice to sell the property. I was given no information of the sale, I asked for copies of proper advertisement and they did not provide it. I am beyond myself. I have filed several complaints about there actions which are currently under review. Alaska statute states they must properly advertise the sale prior to foreclosure for date and time. This has caused me extreme hardship. They stated they would postpone the foreclosure if I provided proof the loan would close on XXXX XXXX, which gives me XXXX business days notice to foreclosure. There letter clearly stated no new date had been set. I could have secured short term financing for the amount due but since the house has sold and they did not set a new foreclosure date, I opted to do the entire payoff. I also notified Ocwen they had made an error by not advertising the sale and not giving me notice and denied me the XXXX day delay until they formally respond. Now they tell my I have to submit any further correspondence with them in letter form to ensure delays in my correspondence instead of contacting them by email.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
We now have been working with Ocwen ( that 's a stretch ) for over 4 months on the mortgage. They confirm they have received all documents except a document explaining why a teacher is paid 11 months out of the year rather than 12. This explanation has been sent twice, escalated to the escalations specialist XXXX at Ext XXXX who by voicemail confirmed all documents received. Now we received a call and confirmed that they are stating they have not received the documents and the original documents are expired. They 're happy to assist with re submitting the documents ... This comes from the relationships desk. We have had several appointments with the relationships representative in which they have not kept the appointment. The note read back from the representative is that we did not keep an appointment yesterday so they left a message. no appointment was scheduled. I 'm now in the process off escalating by sending copies of what we have sent in to the following. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX District Office XXXX XXXX XXXX XXXX, XXXX . XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX XXXX, President and CEO XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, General Counsel XXXX XXXX, President Ocwen Services XXXX XXXX XXXX XXXX, FL XXXX Ocwen Board of Directors Corporate Secretary Ocwen Financial Corp XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
XX/XX/XXXX, I began to have problems paying my mortgages. I own rental properties and many of them had loans where the payment was doubling. Additionally, a number of my tenants were having trouble paying their rent due to job issues. My rental property was my only income and I began to have serious financial issues. Consequently, XX/XX/XXXX, I filed Chapter XXXX. My reorganization plan was confirmed XX/XX/XXXX and my Chapter XXXX was closed XX/XX/XXXX. As part of the Ch XXXX, I gave back one of my properties to the bank. At the time my lender was XXXX XXXX. Then, XXXX XXXX sold my loan to Ocwen. When Ocwen contacted me about the loan, I presented them with my court documents showing I gave the property back to the bank. It took over a year and countless phone calls and letters for Ocwen to finally acknowledge I gave the property back to the bank. But finally XXXX ID # XXXX, who is one of their BK specialist, finally did acknowledge I gave the property back to the bank in my Chapter XXXX, and we began the DIL process. When we were almost done with the DIL process, Ocwen stopped the process. They changed their minds and refused to acknowledge my court documents. They said I was still responsible for the loan and I had outstanding payments of about {$50000.00}. This makes no sense. My court document -- Memorandum of Points and Authorities in Support of Confirmation of XXXX Modified Chapter XXXX Plan of Reorganization, page # XXXX -- clearly states I gave the property back to the bank. Furthermore, on XXXX/XXXX/XXXX, I received a letter from Ocwen acknowledging I surrendered the property in my Chapter XXXX. I escalated this matter to XXXX XXXX, Ocwen ombudsman. She was no help. She just kept saying I did n't give the property back to the bank. I need help making Ocwen honor my Chapter XXXX reorganization plan which was clearly confirmed by the BK court.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-07 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Revenue Recovery Corporation
State: MS

Complaint narrative:
this is a XXXX claim. i never received any information regarding this XXXX or the collection agency Revenue XXXX. This procedure was done last year and XXXX has full knowledge and documentation that this was in fact XXXX comp. I want this removed from all XXXX reporting agencies immediately!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
In XX/XX/XXXX I lost my job. We continued to make our house payment until our savings ran out, while I desperately searched for a job. We went to our lender for help but could not get any. When a trustee sale was posted for XX/XX/XXXX we hired the XXXX XXXX XXXX to assist us in trying to get a loan modification. Both my husband and I are now working full time and we have very good income. The XXXX XXXX XXXX submitted the loan modification package on XX/XX/XXXX and the sale was postponed and placed on hold. On XX/XX/XXXX Ocwen denied our loan modification request stating that we did not make enough money to qualify. Ocwen calculated our income incorrectly at {$11000.00} a month. Our actual income is {$13000.00} a month. The denial letter also stated that the owner of our loan, XXXX XXXX, would not do any principal reductions. The XXXX XXXX XXXX appealed the denial in a letter that was sent to Ocwen on XX/XX/XXXX. In the appeal letter they disputed the income and also attached a copy of a loan modification they had received for another client with the same owner, XXXX XXXX, that offered a principal reduction. On XX/XX/XXXX Ocwen denied the appeal and stuck by their original reason for denial. The letter also stated that the only way that they could do the modification is if we could qualify for a payment of {$8200.00}. There were no other details such as rate, term or principal balance. There is no way we can make this payment. Our interest rate is very high at 6 %. Our principal balance is now at {$1000000.00} because of past due payments but the house is only worth {$850000.00}. We do not want to lose our home! Any help would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MO

Complaint narrative:
I had a mortgage with GMAC ( who is now bankrupt ) that was paid off XX/XX/2011. 
I sold my house a month ago and the title company wo n't release my money until the lien is taken care of. I have a letter from GMAC stating the loan is paid off and that they will notify the county offices from XX/XX/2011 but they never released the lien. I have talked to Ocwen who took over GMAC numerous times and even received a letter from them stating they do not have the authority to release my lien.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
Ocwen Loan Servcing has reported negative payment history to all three major credit reporting agencies and it has affected me in getting a current loan. I have contacted Ocwen to correct this over 15 times by email, fax, telephone, my current mortgage lender has faxed them with proof of payment. I have attached my credit reports and proof of payment to Ocwen and they have not corrected the information and therefore, I may not be able to close on my current home and will be homeless. This information is wrong which they reported XX/XX/2016 the same day I paid the loan off.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
I am filing this complaint on behalf of my client XXXX XXXX XXXX. On or around XXXX XXXX, 2013, I paid {$610000.00} to satisfy my client 's loan in a short sale. The funds were sent to Ocwen via a wire transfer on the same day. To date a mortgage satisfaction has not been recorded against the property and Ocwen continues to report the loan as being late. New York law requires that a satisfaction be submitted for recording within 30 days of the receipt of the payment. 

Upon discovering that this mortgage remained open, I contacted Ocwen. I spoke with a XXXX who advised that the satisfaction was sent to XXXX XXXX XXXX Florida for recording. Upon expressing my dismay upon learning that the document for a New York property was incorrectly sent to a Florida XXXX, I was transferred to XXXX ( id number XXXX ) who stated that he was an escalation manager. XXXX then proceeded to tell me that the document was indeed sent to the correct XXXX in New York for recording. 

Upon hearing this I requested a copy of the document and was told that it would take 24-48 business hours to send me a copy of the Satisfaction via email. This has not been the first time that Ocwen has failed to properly record and to properly report on a borrowers credit report. 

My client has been irreparable damaged as a result of their sloppy business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
Ocwen continues to report inaccurate data information on my credit reports with their poor payment processing, unauthorized fees, holding my past payments in suspense after receiving by the due date and their erroneous reporting of ( 8 ) late payments. This is mortgage deception and a violation of the CFPB. I have made several phone calls to Ocwen, have written letters, submitted emails and filed a complaint with the XXXX. 
Enclosed is XXXX different letters from XXXX different representatives from Ocwen, dated XXXX XXXX, 2015 stating they will have a response by XXXX XXXX, 2015. 
I have heard nothing from this company as of today.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: HW Holding, Inc
State: KY

Complaint narrative:
Back in 2013, me and my wife moved from XXXX to XXXX XXXX XXXX, because that was her dream. After a few months, we was in the swimming pool when about XXXX XXXX was skipping rocks across the pool. It was me, my wife, my daughter, her boyfriend and my grand-baby. So naturally, my daughters boyfriend told them to stop because of the baby. The next day me and my wife had to put air in our tires. A couple of days later, we mentioned the situation to the manager ; about two or three days later, my window got busted. I had just to XXXX it up because we spent everything we had to move there, XXXX XXXX XXXX. About 2 weeks later, new neighbors moved in downstairs. They would bang on their ceiling all the time. I night, about XXXX, I was in bed when my wife came running into the bedroom saying that someone was beating on the door. I got up and answered the door ; there stood a woman asking me to keep it down because they was trying to sleep and we was making too much noise ( I was in bed ) and my wife was in the living room watching t.v. That next day I told my wife to find another place because it was getting ridiculous there. On the last day that we moved out, the manager came up to me and asked what was going on. I told him that earlier that month my window was busted out of my car, and he told me " well if you would have told me, we would have you park under one of our cameras ''. I told him we live week to week and even though we would have caught the juvenile delinquents, that would not help me if they slashed my tires. The law would make the parents pay for the damages ; but what was I supposed to tell my boss. Oh, as soon as my car gets fixed, I 'll be in. Like I said, we was on a very tight budget and could n't wait till XXXX, or maybe even both of our cars to be fixed. The manager even said he knew who done it because he has had trouble out of them before. Then I told him about our new neighbors and how they was banging on the ceiling all the time, and once even got me out of bed to tell me to be quiet. He said you should have came to me for that too ; but I thought it would be easier just to move and not make any more enemies. So now Hunter Warfield calls me all the time. I only have a cell phone and I even told them to quit calling me because I ca n't get phone calls at work, but they call anyways. The last time we talked, they said that they was going ahead and start legal action, even though they know this story also. So, if you could help, I would appreciate it. I know that I broke the lease, but I had no other choose. So, XXXX XXXX XXXX, but it 's Hunter Warfield that calls # XXXX Thank You, XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
In XXXX 2015 my wife left me leaving me with a whole lot of debt that I was unaware that I had. My mortgage company, Ocwen Loan Servicing , LLC, offered to lower my payment. The company had impounded my taxes and insurance and I received a letter of tax lien from the county collector stating that my taxes were not being paid. I received a letter from the county and called my mtg. co they told me to disregard the statement it must be a mistake. I have seen many discrepancies in just the statements that I am sent monthly. I am now in the process to hire an attorney to help with understanding what exactly has been going on. My escrow account has been in the negative although I have been on time every month since I started paying the mortgage myself. There is a " deferred '' balance that has been fluctuating throughout. In 2015, I received a form XXXX of a cancellation of debt for XXXX in which I filed with the IRS but I was never forgiven of that amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: SC

Complaint narrative:
bogus charges added to payoff. 

my loan is current so i 'm not sure why i 'm being charged {$950.00} for civil litigation??? 

i also recently ordered a payoff and was charged {$30.00}. At NO point during ordering said payoff was i advised of ANY fee. 

I also was charged {$13.00} for a satisfaction cost? i 'm not sure what 's been satisfied???

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Hoping for a mortgage modification that is affordable. Submitted all the paperwork to Ocwen back in XXXX 2016 as of yet nothing has occurred. I had a hamp before " not affordable '' so I know it does n't take this long. I have complied with all their demands. The sale date of my home has been cancelled 4 times. there is a pending sale date for the XXXX of XXXX. When I call Ocwen they state that the foreclosure proceeding is on hold and the modification is under review. My relationship manager does not understand why it is taking so long. I am afraid the sale date will approach and a resolution will not have been achieved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
We have been trying to work with OCWEN mortgage company on reversing our mortgages back to an interest only payment on our rentals properties. We have followed all their requests filled out a huge package of forms and were declined. We have XXXX mortgages with this company and have made consistent payments for 10 yrs.. The mortgages reverted to a principal and interest recently, and we can not afford to make the principal and interest payment. It seems like a simple procedure, but yet no one is willing to help us keep our properties, which were purchased as an investment property for our kids education. This company has also been sharing our information with adjacent neighbors in the area. Is n't this in violation of some federal laws? We are happy to provide any information necessary to resolve our issues. This company has been nothing but uncooperative and rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I am being denied a Harp from Ocwen. They said I have already had one Harp, when the modification offered me was not Harp compliant because it was and ARM loan. I lost significant income in XXXX of last year and have struggled to stabilize financially. I have recently recouped enough to meet a modified mortgage and am being told by Ocwen my only option is Short sale or Dead in Lieu ... .I am XXXX ... and my daughter is XXXX ... I can not move and feel that with a modified mortgage I do n't need to. I have the supporting documentation to substantiate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: WI

Complaint narrative:
My mortgage loan is currently serviced by Ocwen. Recently they have increased my mortgage payment from {$190.00} to {$880.00} per month. Ocwen claims that the reason for the increase pertains to my escrow account. My yearly taxes are {$2500.00} and home owners insurance is {$600.00}. Therefore my monthly escrow charges should be {$250.00} per month and not {$680.00} per month. On numerous occasions I have requested that Ocwen address the escrow distortion issues via full escrow accounting ledger. Ocwen has refused to comply. Ocwen has recently modified my mortgage loan, but never recorded a permanent loan modification see attached. They have only issued an arbitrary loan modification agreement that lacks interest amortization schedule and truth in lending disclosure ~ see attached. XXXX these disclosures are required per RESPA law. The modification also contains a balloon disclosure of {$43000.00}. Since no specific terms are defined on the principal balance or amortization schedule, I have no idea what amount I am paying over time. Per the attached statement issued by Ocwen, is shows a XXXX waived balance XXXX principal reduction ) of {$22000.00}. However the statement adds the waived amount back into the the total amount due, which distorts the total amount due. Overall I feel cheated on both the principal balance and the escrow account on my mortgage loan. Ocwen has forwarded my file to an attorney 's office, who in turn has issued a notice of default. I do not want to lose my home and I am seeking your assistance on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Alorica Inc.
State: TX

Complaint narrative:
I was contacted by a debt collection agency, Global Solutions about a debt owed by my deceased aunt XXXX XXXX. At first, they did n't want to tell me anything, and stated I had to give them a copy of the POA/guardianship because of HIPAA laws. Then, they call me the next day, and I say I 'm XXXX XXXX because they would n't tell me what she owed. They told me she owed XXXX XXXX Hospital-XXXX XXXX {$250.00} from XXXX. I have already paid that bill in XXXX XXXX from XXXX XXXX XXXX # XXXX. They keep calling my home and harassing me about a paid bill, and I 've already discussed the matter with XXXX XXXX Hospital. I want these people to stop calling my home and asking for XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: SC

Complaint narrative:
I became XXXX unable to make the full amount of my mortgage payment ton XXXX I was not assisted with any loss mitigation application.The mortgage went into foreclosure XX/XX/XXXX. The attorney said, I was served a Notice of Foreclosure Intervention. I was not severed a notice. I applied for a short sale and sent all requested information. I was not denied or accepted. The mortgage was sold while in the process of evaluation for the short sale. The mortgage was brought on XX/XX/XXXX by Caliber Homes as server XXXX as owner. They failed to assist me with a loss mitigation program until XX/XX/XXXX when the mortgage went into final foreclosure. Now they have added {$9000.00} in interest {$45000.00} in attorney 's fees to total {$250000.00}. They want me to pay that as a loss mitigation. I know I am unable to qualify for this loan. The Judge have approved these figures. I have until XX/XX/XXXX to pay.

Company response to consumer: Closed with explanation