vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
My father died on XXXX XXXX, 2015 and left XXXX mortgages in only his name on his home that he lived in with my mother. There was no estate formed before he passed and as well the new York surrogates court is still taking a very long time to appoint myself and my mother as executors so that we can proceed to hopefully loan mod the home so my mother can stay there ( as she can not afford to move elsewhere and pay increased rent ). I have now gotten a foreclosure notice from ocwen ( since my mother has lost more than 50 % of her income and can not keep up with the mortgage payments without my fathers income ) - I have called ocwen SEVERAL times asking them to hold off on foreclosure or to work with my mother and myself on a loan mod ... .they refused and told me " its not their fault that my father died without giving authorization for ocwen to speak with me first ''. This type of treatment is a total outrage ... my father is DEAD and we are simply trying to make sure that my mother has a roof over her head, does n't have to sell off our memories, and do right be ocwen by working something out that she can afford. This type of treatment is totally unethical and I demand attention to this. We may not have letters of administration from the surrogates court for 2-6 months! how can we just let the home go into foreclosure if ocwen wont speak to us in the meantime?!?!?!?!!?!?!?!!?!?!?!!?!?!?!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: HW Holding, Inc
State: TX

Complaint narrative:
My property management placed the judgment for a debt with a debt collector and reported the debt to XXXX. I have disputed the amount of the debt with XXXX who rejected my dispute. 
The court judgment amount is for {$2900.00}, which I am willing to pay. However, the collection amount placed by property management is {$10000.00} which is not allowing me to seek financing to purchase a home and overall has fractured my credit.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Revenue Recovery Corporation
State: TN

Complaint narrative:
Collection letter was mailed to me for attempted debt collection of XXXX medical accounts already paid in full. The payments were to the same collection agency. I called the original creditors and confirmed payment was received. The collection agency, Revenue Recovery Corporation,XXXX.tn.,XXXX.XXXX was attempting by fraud and misrepresentation to collect the debts XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
I have been dealing with Ocwen loan services on my mortgage. When I modified my loan back in 2010 I made XXXX separate payments of {$20000.00} totaling $ XXXX. They lost all records of this and now forced me into an arm loan that I was not aware of and my payment has gone up {$1000.00} more a month. I can not afford this and I have lived here for 13+ years. I have tried working with Ocwen but their only option is another modification that will force me to open another 30 year loan and add on more interest. I am disgusted with their work ethics. Not one person there will answer my questions but everything is scripted answers. When they sent me the agreement in 2010 that was filed electronically I specifically said and to the rep and they agreed my payment would stay at {$2200.00} for the life of the loan. It has not and has increased 2 different times

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
Miscalculation of Loan modification Being overcharged for the last 6 years. Modification was completed thru GMAC and OCWEN now manages the loan. They were given a written notification to correct the problem. We received 2 letters from them the first one said they received our letter and would need 45 days to review the modification. after the 45 days we received another letter stating under RESPA they are afforded an additional 15 days. It has been 20 ( Business ) days and still no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Ocwen has purposely delayed our Short Sale application which opened XXXX XXXX, 2015 and is still open as of XXXX XXXX, 2015 ( timeline attached with details ). We have signed there requested contracts twice and submitted our financial information twice. Due to there unethical delays we had to go thru a second home appraisal, sign and submit another set of documentation, go thru a second review by the PMI company and now it is costing my husband and I XXXX of dollars in CASH at the time of closing. This is all caused by Ocwen 's incompetence and unethical behavior of charging additional billable hours for the Short Sale process. Each time I speak to a Representative, they ca n't find the information we submitted and do n't know what 's going on. I make appointments with our Ocwen Home Retention Specialist, XXXX XXXX at XXXX but I do n't get a phone call and I do n't receive any messages. Please refer to attached document for detailed timeline and information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
On XXXX/XXXX/2014 an ACH Payment was deducted for my XXXX mortgage from my checking account from Ocwen Loan Servicing LLC ( Ocwen XXXX. They stated that they did not receive it.I disputed the claim and the Virginia XXXX XXXX XXXX XXXX assisted me with process. I sent Ocwen another payment for XXXX via a certified check from the XXXX Bank. Ocwen stated that they did not receive this check.I had received a copy of the back of that check showing that it was cashed by Ocwen and they still denied receiving the payment. The mortgage payment eventually with Ocwen after my mortgage was transferred and closed to another provider. I was sent a Check for {$3.00}, XXXX dated XXXX/XXXX/2014 from Ocwen with no letter of explanation. During this process Ocwen placed a late payment notice on my credit report. I file a dispute with XXXX ( report number XXXX XXXX to clear up the error. Ocwen refused to remove the late notice from my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: UT

Complaint narrative:
Had a XXXX mortgage through Ocwen Loan service which has paid off on the closing sale of my house XXXX/XXXX/2015. The Escrow balance has been released but a small overpayment of of {$130.00} still has not been released. I have called on this XXXX time and spoken with their customer representative who states they will get this processed, but now XXXX days past payoff and still has not been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In XX/XX/XXXX, Chase Bank claims I allegedly defaulted on debts on XXXX separate accounts. In XX/XX/XXXX, they attempted to sue me. Having never been served with papers, Chase moved forward with the court date. Having no knowledge of the court date, I was in default judgment. Once I received a copy of my credit report, I noticed a judgment on my credit report. When appearing in court, I researched the initial filing by Chase bank as they sued me in lump sum of all XXXX accounts. The case was discontinued in XX/XX/XXXX by Chase and subsequently thrown out by the judge. In XX/XX/XXXX, I received XXXX form XXXX 's for XXXX of XXXX accounts. According to my accountant, I had to claim it as income earned and paid taxes on it. After sending multiple dispute letters to the credit bureaus, Chase eventually adjusted the balance to {$0.00} with the bureaus. After filing another round of disputes, Chase placed the original balance BACK on the credit report. They refuse to take it off, and claim the money is still owed however have no proof of how I owe the money and if I would like to voluntarily pay the balances ( after filing the XXXX ) they would remove the debt from the credit reports. When the account was at {$0.00} my fico score was above XXXX. Once they updated it again as bad debt, my credit score slumped to low XXXX 's. Banks are refusing to underwrite a loan because of them. PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
In XXXX of 2005 I made the mistake of getting an interest only loan, or predatory/exotic loan product via a residential loan broker and so ten years later after paying interest only for the full 10 years, I find it crazy that Ocwen is still charging me 6.125 % now on a 20 year term for the exact same amount that I started at. 
I paid the 6.125 % and made it through the 10 years now that times are a bit tighter I reached out to renegotiate the terms or hoping they would gladly offer me a mod, but every time I submit the documents they tell me the same story " we didnt get all the documents '' or " can you resubmit this or that '' when the real deal is that they just dont want to give me a better rate. 

After paying XXXX in interest only on a very iffy loan product and a very healthy down payment I find myself having to be concerned about losing my home. 

One week they say I need to be 4 months behind in order to be considered next week its 2 months and that is affecting my credit rating, plus all the lawsuits against them I was hoping they would offer it to me without me having to beg to keep paying them, keep paying property tax, and the rest of the expenses that homeownership consists of. 
Givin all the serious misdeeds and ultra lax underwriting not to mention blatant fraud in the loan origination area during that time and the fact that most of these big investors and lenders were betting on these loans failing its a bit of a conflict of interest and since the settlement you would think that it would not be so hard especially since they have recouped almost the entire loan amount in interest only, and my loan is still at 6.125 % and it was meant to be an adjustable after the 10 years and that is twice the going rate. 

I dont think that making someone jump through hoops to get a fair shake is a good way to do business with someone who has worked hard and made my payments and now wants what is fair, and I know and you know whats fair would at any other time in the history of our country be much better that a rate reduction.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
My complaint is against Toyota Financial Services. We returned a leased vehicle and got another XXXX except it was under my name. The returned leased vehicle was under my wife 's name. Toyota financial sent us a bill for {$350.00} which was the disposition ( return ) fee. However the return fee was waived since we got another toyota vehicle. Per Toyota Financial request, I faxed them a signed letter ( 3 times ) with the the old and new account numbers by both myself and and wife, I also spoke with numrous accoutn representatives at Toyota Financial. I spent a lot of my valuable time to resolve this issue. Yet, we still get payment demand letters from them and the last letter was from a collection agent. I called back and the representaive did not know how to handle the situation. Please help. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Complainant : XXXX XXXX / owner of the House Located at XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, Florida XXXX, I live in this house for 25 years, never late or missed any payment with the Company GMAC, During the melt down my house went down in price from {$410000.00} to {$100000.00}, the house received an offered of {$140000.00} but the Bank wanted {$150000.00} no deal from the part of the Bank realtor was still on and no sale came up. The Bank foreclosed with a judgement using unpredictable, questionable and unfair actions. They never gave me the option to modify my payment and never gave me the option for fair mediation or work out program. GMAC is a failed bank, I understand that they went bankrupt and are no longer in business since 2009 however they supposedly sold my property and recovered XXXX dollars from it. How is this possible? Continuation : The Bank hired a Real Estate Company and this Real Estate Company broke in to the house change locks but never took care of the property becoming a problem for the neighborhood after a year then because of the conditions. I have no choice to take the Property back and I had invested in repairs over {$11000.00} to make have way livable but still an about the estimated about {$30000.00} to be done with all the repairs. Estimates ready.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17 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: FL

Complaint narrative:
The problem I had was with Hunter Warfield collections regarding XXXX XXXX Apartments. The apartment company charged me and my XXXX roommates for staining of carpet due to my roommates cats XXXX. My roommates told XXXX XXXX Apartments that the cat XXXX was their fault and to take me off of the fine. My roommates eventually settled in small claims court and the fine was taken care of. This bad credit report was never taken off. It needs to be removed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: OR

Complaint narrative:
XXXX title company overpaid my mortgage loan payoff at closing on XXXX/XXXX/2015. I contacted the servicer/lender ( OCWEN XXXX XXXX ) in writing via their on-line support on XXXX/XXXX/2015 and requested a refund of the over-payment. I received a secure confirmation of my request on XXXX/XXXX/2015 from their system. The servicer/lender did not process the refund until XXXX/XXXX/2015 in violation of the regulation. I have not received reimbursement as of XXXX/XXXX/2015. 
XXXX Treatment of credit balances ; account termination. 
( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( XXXX ) Refund any part of the remaining credit balance within XXXX business days from receipt of a written request from the consumer ;

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
For almost 10 years now I have been fighting to clear my name with reference to a foreclosure action on a house located at XXXX XXXX XXXX, XXXX, NY XXXX and various other financial defaults related to a XXXX XXXX XXXX, a former occupant of this house. I have had to deal with collection agencies, utility companies, the XXXX, and over and over again, Deutsche Bank National Trust Company, who may or may not own the note for this home. My finances, my credit rating have been adversely affected, and to say this has been a nightmare would be the understatement of the century. Once again now I am being contacted by XXXX XXXX, a process server for the bank, there has already been one individual at the house trying to serve me papers, and it needs to end. I have spoken to an attorney about litigation of all parties concerned, but in the interim, this activity on the part of these creditors needs to cease. Not only is this continuing to be a financial burden on my, but the emotional and physical toll this is taking on me can not continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: AL

Complaint narrative:
My mortgage is with OCWEN. Each year when they renew my loan information I end up short in my escrow due to homeowners insurance going up or something they 've done. I always pay the difference so I can keep my monthly payment the same since I live on a budget. I called to verify the amount short and asked if it would remain the same if I paid the shortage or a little more, the lady with OCWEN said if I paid little more than what was short, it should be at the same payment or even a little less. I wrote a check for a few dollars more than what the shortage was & mailed it on XX/XX/XXXX. On XX/XX/XXXX I called OCWEN to see if they received the check because it still had not cleared my bank ; and what my payment would be. The lady I spoke with said yes they had received it and applied it, however my payment went UP a few more dollars instead of going down or remaining the same. So I paid a little more than what was owed according to the contract paperwork OCWEN sent me. I asked why and she said because my insurance went up. I told her they have never done business with me this way and that my payment should stay the same as it did in the previous years. She said they do n't allow the amount to go back to what it was anymore, I asked why & she said because my insurance went up. I mentioned again that this is what they stated on the XX/XX/XXXX updated loan contract, why does she keep blaming it on the insurance going up, it goes up every year and this has never been the issue. She said they just do n't put it back to the original amount anymore. So I said, not only did I pay more than what they said it would be short ; my payment is going up more, so I 'm just giving them extra money for nothing. Needless to say I 'm currently looking into refinancing with another company. Also as of today XX/XX/XXXX, the check I sent them on XX/XX/XXXX still has not cleared my bank, so I 'm going to call them again to inquire about it. OCWEN is a nightmare. I have never been late on a payment yet I 'm being treated as if I were not the customer but in debt to them regardless. Several years ago I had to file a complaint because I was paying a little extra and marking the appropriate box where I wanted this extra $ to go. OCWEN never applied it to my choice, they applied it to their choice so it messed my finances up. They eventually fixed it after I got a lawyer involved. Shame on these big bully companies for pushing around EXCELLENT customer. I have thorough documentation regarding the two conversations I had with the two OCWEN representatives, names and ID # 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I recently signed a Modification Agreement with my lender in XXXX 2016 ( see attached ). I then paid the three month modication term for XXXX, XXXX and XXXX, 2016. They stated if after I made all trial period payments, they would review my status to see if I was accepted for the Final Agreement modification. I did indeed complete the trial period and they sent me the Final Agreement stating I was approved. When I did received the Final Agreement for signature, I was then and only then informed that there would be a $ XXXX balloon payment. This was a shock to me as I was not informed of this before I signed the Modication Trial paperwork. I have not yet signed the Agreement as I am worried that this may not be in my best interest and am unsure of where to go from here. I have not made any payments on my house since XXXX as I am also unsure if this money will get applied correctly because I have not yet submitted my Final Agreement. Also, I have asked my lender for a breakdown of how they came up with the $ XXXX balloon amount and have not yet received anything in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
XXXX XXXX Bank is the holder of my mortgage. I requested a loan modification. Ocwen my servicer informed me that XXXX XXXX Bank refuses all loan modification requests. I would like to know why XXXX XXXX Bank refuses to allow loan modifications.

Company response to consumer: Closed with explanation