vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-21 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:
Summary : The issue is we are trying to get an accurate accounting of our mortgage in order to payoff the XXXX loan on our resident. We are not getting the complete accounting. 
Detail : We have a XXXX loan that started in XX/XX/XXXX. Matured in XX/XX/XXXX. We started negotiating with the lender, XXXX XXXX XXXX XXXX ( XXXX ) to pay off. While this negotiation was going on, we were making our regular monthly payments. This went on for a couple of years. Then they decided to refinance it and gave us another loan. When they sent the new loan documents to us, we saw that the new loan amount was too high. Then we received from a law firm a small check for a class action pay off from XXXX wrong doings. We did not accept the refinancing offer that they offered us. We managed to collect the money from other sources to pay off this loan. We asked them to give us a complete accounting of this loan. They immediately transfer the servicing of this loan to another company named Ocwen. They stopped accepting our monthly payment. We have been trying to get an accurate accounting of this loan ever since. We still have not received a complete accounting of this loan. We have the funds ready and sitting in an account for the past 5 years. And still no resolution on this loan. The loan balance is suspected to be about {$180000.00}. They would like to payoff of {$210000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
Rescission Notice was sent. 
I was completely ignored by the originators the trust, XXXX XXXX XXXX. 
It is TIME.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Thunderbird Collection Specialists, Inc.
State: AZ

Complaint narrative:
I had some services with XXXX, i recall when i started services, they where going to spray the outside, any entrance to the house. and also removed any spiders webs on the outside of the house. when the first appointment happen they did n't not do the things they mentioned as far as removing the outside spider webs. to my knowledge there was a pre scheduled for the next three months. they never showed up, supposedly they called. please note this has been a while ago. As of yesterday i got an email that this acocunt was turned in to collections for {$50.00} dollars. i dont even know how they got my SSN #. The collection company is Thunderbird Collections Specialist. i have contact TCS INC, and paid the debt and requested to be taken out of my credit. Now my issue is how did XXXX get my SSN which i do not recall giving it to them. 

Please note, this complaint is against XXXX and not towards TCS Inc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: CITYWORTH MORTGAGE LLC
State: PA

Complaint narrative:
We got Pre approved for a home loan in XXXX 2016. The first time my husband and step applied and was approved for a XXXX loan. We found a home within two weeks and started the process. Within the three months from XXXX to XXXX 2016 we had the most horrible experience with Cityworth mortgage. We could hardly get ahold of our lender, they caused issues with step father which made us restart the process using my name my mother and husband. After turning in all paper work that was requested our closing cost kept going up, the closing date kept getting pushed back, and we tried to reach someone over our lender but kept getting told he is the supervisor. Even our realtor had a terrible time with him. We have multiple emails with no response multiple calls with no answers or return calls. And a couple of days before closing our lender calls and backs out of the loan. We were in the process of selling our current home and had everything packed up ready to move with electric and gas ready to be turned on and home owners insurance which all had to be canceled. Every problem we encountered our lender should have been aware before hand and he never told us unless we continuously called him to finally get an answer. The company is anything but professional. They do not answer questions and make you think things are okay when you finally talk to them to find out that things are not okay two days before closing. We got behind on bills and everything from what cityworth put us through no one should have to work with a mortgage company that is so incompetent.

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 2015-11-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Ocwen Financial Corporation
State: IA

Complaint narrative:
Although we have been very responsible with our mortgage of over 15 years -- -with ocwen and XXXX -- -we are still stuck in a punitive mortgage rate of 9 -- 16 % -- -- is there anything you can do to help?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Ocwen Loan Servicing and XXXX XXXX XXXX were the mortgage holders for my loan. I have a previous complaint against XXXX ( Case number : XXXX ) with CFPB about the elongated sale that caused additional payments and delay in the closing of the escrow of my home. Now, I am unable to obtain an optimal loan because these XXXX companies are reporting late in my loan payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
The terms of the loan modification that Ocwen Loan Servicing had done for us was really terrible and unjust. As you will in the mortgage statement attached to my complaint. I have a deferred principal of {$220000.00} and a regular principal of XXXX. I gave an interest of 2 % only on regular principal XXXX that will expire on XXXX XXXX, 2017. My payment is based only my regular principal of XXXX. I have a XXXX on the same property with XXXX with a balance of {$55000.00}. This is really deceptive what they did to me. I accepted it back the because otherwise, I would my house. Based on the underwater status of our mortgage, reducing the principal amount of our loan is the fairest way to reduce payments. If necessary, we can look at a combination of reducing the principal and adjusting the interest rate or length of the loan to facilitate reduced payments which is our immediate goal. This option allows us to work together and stay in our home for years to come while avoiding the time and expense of a foreclosure lawsuit for the bank with little or nothing to gain. The appraised value of the property is {$160000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I received my monthly mortgage invoice for XX/XX/XXXX, which included a note stating that my monthly payment will increase from {$860.00} to {$2200.00} effective XX/XX/XXXX. It also stated a loan maturity date of XXXX XXXX. I have a variable interest loan which is currently set at 2.375 % until XX/XX/XXXX, also noted on the monthly invoice. I called my mortgage provider, OCWEN, to get an amortization schedule so that I could know what portion of my monthly payment is being applied to principal and what portion towards interest. I spoke with XXXX customer service representatives and neither could tell me this information and they both said that my file does n't have an amortization schedule. They explained that I would learn of the principal/interest application when I received my XXXX bill, but that I would not get an amortization schedule. I knew that my loan payment would convert into a principal/interest payment at this time, but the monthly payment is significantly higher than a 30-year loan with an interest rate of 2.375 %. At the very least I would like an explanation, which I am not getting either.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NV

Complaint narrative:
Date : XXXX XXXX, XXXX We request that our servicer, Ocwen Loan Servicing provide a detailed response in writing regarding the questions below. The XXXX and XXXX entered into an agreement dated XXXX XXXX XXXX, which were a Deed of Trust and a Note in the presence of XXXX. Per the Deed of Trust dated XXXX XXXX XXXX, this document was signed and notarized on XXXX XXXX XXXX. The notary was XXXX XXXX XXXX ; notary # XXXX expired on XXXX XXXX XXXX. Both these documents appear that the notary stamped the Note and Deed of Trust at the top right corner which states " we here by certify this is a copy '', it also has initials of the person that stamped the documents. 
First, did the notary from XXXX stamp these documents at the time the XXXX signed these documents? 
Second, if not, please provide the person name that did stamp these documents at the top right corner and initialed them! 
Third, please provide the date when these documents, Note and Deed of trust were stamped at the top right corner of each document which states, " We here by certify this is a copy ''! 
Forth, if not known, please contact XXXX and ask the questions that we are seeking. If this occurs, please ask for this response in writing and please provide us their response ( in writing )!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
In XXXX 2013, Ocwen stopped accepting my payments. They told me I had XXXX balance in my account, and that there was nothing else to be paid, so they would no longer take any payments. 

I continued to make inquiries about the payments for 2 whole years. I retained lawyers in an attempt to get information from Ocwen on either how to proceed with payments or how to get my name cleared of the debt. Ocwen never once replied to me. Their customer service, when I called, alleged that the XXXX balance was due to a change in websites, but never solved the problem of not accepting my payments. 

For the past 2 years, Ocwen continued to tell me I owed them money while refusing to accept payments because their computer system told them that I owed no money. Ocwen continued to accrue interest and other charges onto my account. 

In 2013, I only owed XXXX on the home. Now, Ocwen alleges that I owe them {$78000.00}. They cased the problems, they refused the payments, and now they want to take a windfall of {$22000.00}. 

I filed complaints with the Attorney General of Florida, to which Ocwen finally responded. 
In response to the complaint, Ocwen offered me a loan modification agreement ( attached to this complaint ). Ocwen wants me to pay them {$900.00} a month, and wants to raise my principal balance to {$78000.00}. They filed a foreclosure against me and are attempting to take my home. 

It 's absolutely unconscionable for a large corporation to simply artifically raise my debt by {$22000.00} and then attempt to coerce me into making payments by threatening to take my home, when all of this has happened because they were unable to solve a very simple mistake that they made.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
I purchased my home XX/XX/XXXX and never was behind in my mortgage. Unfortunately I became involved in a predatory loan with XXXX XXXX, loss my job XXXX XXXX and then Hurricane XXXX hit. I had XXXX feet of water in my first level. My flood and homeowners insurance paid me but Indy Mac would not release the money. I stopped paying my mortgage and fixed my house. I began filling out loan modification papers for years, then they sold my loan to OCWIN ( XXXX # XXXX ). Again kept filling out loan modifications only to be told the lender does not due loan modifications. I 've hired a lawyer who tells me there is nothing we can do and they are foreclosing on my home. I 've worked XXXX jobs my whole life for this house and its being taken from me. Please help me to save my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-06 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
XXXX XXXX, 2008, TILA Recission Letter sent and the Notice of Default was filed at XXXX XXXX County Recorder Office.

Company response to consumer: Closed
Consumer complaint received 2015-08-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
Ocwen Loan servicing is my Mortgage agency and I have been mortgage transaction with them for the past.5 years After being with them for 5 years, they sent me a note and a phone call 2-3 months ago to tell me that I no longer have escrow insurance with no reason. ( Please note : I automatically direct payment from my bank monthly. ) XXXX too is my insurance agent through XXXX. My problem is around 2-3 months ago I received a letter from them stating that I do n't have escrow insuruance for no reason. I became scared so I contacted XXXX insurance co. After a long XXXX conversation with XXXX agent, Ocwen agent and myself, I was told to write an authorized to them to installed back my escrow insurance thinking that everything has been solved. Since then almost every two weeks or so Ocwen co calls to harass me with this case. XXXX times when I call to inquire we go through the same routine and spend almost 3 hours with them, trying to solve this problem even after talking to their manager and they promising to resolve this problem. Also when I talk to Ocwen with my problem, I get people with XXXX thick accent which I can not understand them. Thanks XXXX that I have XXXX agent with me who understands them and helps me all along. 
All I want them to do is to do XXXX payment including my mortgage and escrow insurance all in XXXX that I have been doing all along for the past 5 years. Frankly Ocwen is a very bad company, they are causing me a lot of sleepless night and I am recovering from XXXX and I do n't want this to cause me a XXXX as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NV

Complaint narrative:
On XXXX XXXX 2016, I received a letter date XXXX XXXX 2016 from Ocwen Loan Servicing. This letter reflects a pay off quote valid through XXXX/XXXX/2016. 
First, I did not request a pay off quote from Ocwen Loan Servicing. 
Second, this pay off quote show a principal balance of {$140000.00}, interest - {$220.00}, satisfaction cost {$42.00}, payoff fee {$30.00} and a deferred principal balance of {$110000.00}. 
Now, what is a satisfaction cost and a payoff fee? Why are we getting charged for these fees when I did not request a payoff quote? It appears that Ocwen is charging us un-necessary fees! Is Ocwen Loan Servicing trying to harass us because of the numerous complaints that we filed against them? Is Ocwen trying to force my hand to take Ocwen Loan Servicing to court? I request that these fees not be added to our loan. We are not planning to pay off this loan or sell our home. We are continuing our investigation into mortgage fraud, robo-signing to name a few. This complaint IS NOT about mortgage fraud nor robo-signing so do NOT address this issue. Ocwen must address this complaint only and not address anything else. If Ocwen address anything else that is not related to this complaint, it will XXXX even more and more complaints will be filed against Ocwen!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
My Request for Mortgage Assistance ( RMA ) application was denied due to my loan already reaching its original maturity date ; however I am appealing this decision due to the following Ocwen impediments which got in the way of a timely submission:1 ) No continuity of contact with Ocwen XXXX I 've spoken to XXXX agents and been assigned XXXX Relationship Managers in three months. 

2 ) One example of an unnecessary time delay was when I was rescheduled for an appointment 18 days after we got disconnected! 

3 ) Received inaccurate and inconsistent information on solutions in a timely manner as well as when and how I could submit the application. The HELOC is on a rental property that is " under water '' due to housing values in this area not returning since the great recession and hence no refinancing can be done to recoup the full principle balance ; however, I am still able to make the monthly mortgage payments. 

4 ) Ocwen 's inability to receive my RMA submission after being told where to send it and Ocwen 's inability to perform any appropriate follow-up in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
Please see the attached. I believe my Client has not been treated fairly, and is now facing a Sheriff Sale in 3 weeks after years of trying to do the right thing and sell his property. We nee d these Mortgage Companies to be held accountable.

Company response to consumer: Closed
Consumer complaint received 2016-01-12 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Ocwen has filed foreclosure papers on my home at XXXX XXXX XXXX, XXXX XXXX, Texas. American Home Mortgage breached my contract by charging me for unjust late fees, illegal charges, and a fathom " escrow '' account amounting to almost four years of payments making my " real interest rate '' about 46 %. They are using a robo-signed Corporate Assigment of Deed of Trust signed by " XXXX XXXX '' .Ocwen has no real interest in my loan. I quit making payments to American Home after a XXXX audit revealed what they were doing.I have not made a payment since XXXX 2011. These people from XXXX XXXX on down are criminals. I was XXXX in Texas for 48 years. I would be in jail if I had done this. XXXX XXXX XXXX and XXXX is the foreclosure mill that is still using false papers, they need to be sanctioned, Ocwen promised in the settlement with the Texas XXXX that they would no longer use fake papers to foreclosue but here they are doing it and the law firm knows it is illegal which makes then guilty XXXX. I have sent a notice of recission to Ocwen and they did not respond. The reciission is in effect and no effort has been made by Ocwen to file suit to remove the recission.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
We are attempting to sell our house but can not because Ocwen in unable to provide us an accurate payoff amount. Due to a prior loan modification, Ocwen and I have a profit sharing agreement if I sell the home for more than the baseline amount, modified by any capital improvements I have made since the modification. Receipts were sent to Ocwen on XX/XX/XXXX and XX/XX/XXXX concerning capital improvements. Ocwen acknowledged receiving them and promised to respond within 24 business hours per their email. It is now XX/XX/XXXX and both my wife and I have spoken to Ocwen multiple times with zero results. Anyone we talk to says they will look into it and get back to us but never does. At this point I expect to need to get legal representation because Ocwen is causing me financial harm as I can not sell my home due to them not following through on their contractual obligations. It is impossible to talk to anyone who knows anything about anything and my contract to purchase a new house is about to expire as I can not sell my home as agreed upon.

Company response to consumer: Closed with explanation