vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
Im a victim of a Toxic mortgage i have a change of circumstance XXXX Veteran I have medical hardship ocwen failed to apply payment on time putting me in default denying me the a hamp modification relief that i am eligible for lost documents -improper fees preditory lending practices - providing false or misleading reason for denial of Hamp modification

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
I previously submitted a complaint regarding a {$1200.00} payment on XXXX/XXXX/2015 being held in suspense and not being applied to my mortgage. Ocwen responded and indicated that it could not be applied as a regular payment since my account was already paid 3 months in advance ( payment due XXXX/XXXX/2015 ) but that it could be applied to principal. I requested that the payment be applied to principal, as suggested, effective XXXX/XXXX/2015 but that still has not been done.

Company response to consumer: Closed
Consumer complaint received 2016-04-25 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
I put in a recession letter on XXXX XXXX, 2015 to all 'known ' associated parties on XXXX XXXX XXXX XXXX XXXX, NY XXXX, home. And CFPB. 
What I received was a run around that ended up with OCWEN. They reported that the home went through a foreclosure. Fabricated documents along with forged presumption were all through out this illegal foreclosure. Hence, why this rescission still stands.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
OCWEN Loan Servicing , LLC conducted a loan modification without my knowledge nor authorization. My signature was forged on a loan modification document which was not notarized. I am the co-borrower on loan # XXXX. I have attempted to be removed from the mortgage which has negatively impacted my credit. I am held financially responsible for such loan although decisions on the loan as well as a modification have been made without my knowledge or consent. I should not be held financially responsible for a loan which I was not informed of the new terms and conditions that I did not agree to. The co-borrower ; as well as her family members have gone back and forth on deed / ownership of the property and also have been involved in fraudulent mortgages in the past ; including co-borrowers ex-husband and father both of whom have filed bankruptcy over foreclosures. I am deeply concerned with my credit since I have not lived in the property for over 8+ years, do not have any financial investment in property nor do I make any payments towards said mortgage yet I am negatively effected as a co-borrower. OCWEN does not correspond nor consult me in decisions made on the loan my name is attached to. **NOTE : I do not know which mortgage process my issue is related to below

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Brown Law, PLLC
State: TX

Complaint narrative:
I received at call on my cell phone from this company Brown Law and I asked them so send me a validation of debt for the account that they are trying to collect on. I received documentation but not enough to actually do any research to see who the creditor is and what the charges are. I also received a voice mail message on my cell phone which is a number that I have listed with the XXXX. When I asked who they were collecting for, the original company she said possibly XXXX XXXX? Are n't you supposed to know? I need more information in order to settle.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
My new lender, Ocwen ( I believe they purchased my loan from XXXX XXXX XXXX ), has continually harassed me for proof of insurance at my condo, which is insured through my XXXX ( XXXX XXXX XXXX never asked for this ). Every time Ocwen has asked for this I have submitted the proof of insurance as supplied by my property management company and their insurance partner. However, Ocwen has now started charging me over $ XXXX/month for a separate insurance policy they have taken out without my permission, and this has happened for XXXX months in a row now. And their " customer service '' phone service is absolutely horrendous. After listening to several minutes of automated messages, most of the time I " mysteriously '' get disconnected. I even tried calling their " Consumer Ombudsman '' service yesterday and, after getting mysteriously disconnected even there the XXXX time, proceeded to leave a message though I doubt I 'll hear from anyone. 

I have demanded several times now that they immediately stop charging me this escrow charge and also reimburse me for previous months ' charges, with no response. I have tried this via email, official submission online, fax and phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
Ocwen Loan Servicing offer no support toward identity theft victims. 
I was informed by XXXX Bank that my premier checking account was compromised, several payments that came during the process were returned as NSF, which included Ocwen Mortgage. XXXX took no time to rectify the issue, however even with letters from XXXX of the identity theft, Ocwen reported me to the credit bureau as late.they refused to honor or acknowledge that my account was compromised, The argument by Ocwen representative is " this has nothing to do with Ocwen '' keep in mind that XXXX Bank did process payment to everyone that had a payment returned. Ocwen refused to acknowledge ID theft and/or work with customers through situations such as this. They are the worst Mortgage Loan Servicing Company.

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 2015-05-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
I am unable to pay more mortgage for financial hardship. I have been in close contact with my lender since XX/XX/XXXX and filled out paperwork for a deed in Lieu of Foreclosure. A month after submitting this paperwork, we received notification from our lender that our XXXX loan on the property was transferred to another lender ( prior to this Ocwen, our lender, held XXXX loans ). The Deed in Lieu was rejected on account of this XXXX lien on the property, Ocwen had created. The lender told me if the lien was cleared I could avoid foreclosure with a deed in lieu. Friends helped me pay off the XXXX lien in XX/XX/XXXX. I then resubmitted the Deed in XXXX paperwork ( in XX/XX/XXXX ). I also sent a letter from the XXXX lender which stated that my loan was paid in full, and in XX/XX/XXXX I sent a copy of the " Certificate of Discharge '' from my county courthouse. I have keep my relationship manager at Ocwen abreast of all of this and she acknowledge receiving all these documents. Then the months following this, my regularly scheduled phone appoints with my Ocwen relationship manager consists of them telling me there 's nothing to report yet as they are doing " just XXXX final check. '' But after receiving a Pre-foreclosure certified letter from Ocwen, I called to find out what 's wrong. My relationship manager was unavailable so I spoke to an alternate, who told me they had no record in my file of my re-submitted Deed in Lieu paperwork or the XXXX lender letter release or Certificate of Discharge mentioned above. She told me to fax her the Certificate of Discharge and she would expedite it to the Deed in Lieu Dept. This I did XX/XX/XXXX Still almost two months later Ocwen has nothing to report but tells me the Deed in Lieu Dept. is behind. Meanwhile, while the property is not yet in foreclosure the time surely nears. Further though Ocwen has told me all through XX/XX/XXXX that my Deed in Lieu is still open and active, I received a mailing XX/XX/XXXX stating they did n't have the XXXX ( Deed in Lieu ) paperwork. So XX/XX/XXXX I re-mailed a copy of this document that I had sent them back in XX/XX/XXXX. I feel Ocwen and my relationship manager are doing nothing but waiting for my property to foreclose.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
From XXXX the alleged interest rate was 4.5 % and from XX/XX/XXXX-Present the interest rate is 6.5 %. I would like to see the documentation to support the interest variance. My alleged original principle balance was {$640000.00} and is currently {$640000.00}. I would like to see documentation as to why this amount has increased. There is a reinstatement quote dated XXXX/XXXX/15 which is a breakdown of the alleged amount of {$68000.00} alleged interest due of {$170000.00}, alleged escrow amount of {$210000.00}. I would like to see the breakdown report to support each XXXX of these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Duncan Solutions, lnc.
State: SC

Complaint narrative:
I received a ticket and now a notice from a collection agency for a toll violation in the state of Delaware which I do not believe is mine. I was not the driver of the vehicle at that time and therefore I do not believe a collection agency has the right to penalize some one for owning a vehicle that may have violated a few dollar toll, and then attempt to collect {$66.00} from that person by threatening derogatory credit reporting without proof of who actually committed the alleged violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
my loan is now being serviced by ocwen. they increased my escrow amount ... ... it is only pmi ( no insurance or taxes ) escrow is not to increase. The loan was transferred from XXXX to ocwen. they have given me all kinds of excuses. XXXX did not send the escrow money ... I told them to ask XXXX for it. then that was not the issue. I have tried for two years to get this resolved with ocwen and to no resolve. please help me. XXXX XXXX XXXX my mailing address is XXXX XXXX XXXX XXXX VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 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: VA

Complaint narrative:
Apartment Lease ended - we provided 60 days notice as required by leasing agreement. Removed all personal items and clean the apartment and return all keys. 

Paid remaining balance to Landlord. Landlord sent an itemized bill. Attempted to obtain clarity, no resolve. Filed a civil suit in court and judgement for Defendant. Paid the amount of XXXX via Check. 

Called landlord and settled the amount owed and paid via check. 

Now - have collection agency call me about the same debt. 

Hunter Warfield ( 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 2016-07-31 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
We requested a payoff from OCWEN LOAN SERVICING LLC back in early XXXX, to payoff our mortgage, due to hearing from there collection department our mortgage is delinquent even with a payment received for XXXX. 
OCWEN informed us they do n't accept payoff request by phone, only mail or email. I explained to them we receiced a collection call for our XXXX 's payment and do n't know why because we made a payment and you cashed our check. That 's when I learned our mortgage needed to be paid in full come XXXX. 
We never received the payoff letter from them and again emailed them in late XXXX. They returned our cashed mortage payments to us for XXXX and XXXX and we still did n't receive any payoff information. 
They failed to even let us know this mortgage had to be paid in full in XXXX. We had no knowledge until last minute! We finally received a payoff figure and paid the loan in XXXX. Ocwen did send us a letter stating they would not reflect it as a late paymnent but then reported our mortgage delinquent for 251 days on our credit report. 
Our credit scores dropped to below XXXX creating an issue to obtain new employment. We, for 10 years, had always continued to pay our mortgage until the payoff was made in XXXX. We were never late and explained to them that they have cashed our payments up to the closing of XXXX. I also informed them we should have receiced at least 90 days notice prior to XXXX to inform us that this mortage had to be paid. They sent us below, the letter to me, that were n't reporting it late. But today its reflects late on all XXXX credit reports. They did send a letter stating it would n't be reported late because it was there failure to let us know and no delinquents would be reported. They have n't made any corrections. Today, we ca n't pass background checks for employment because of there errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
Im writing in regards to my father. He has since passed away. He sold his house to my husband and my self in XX/XX/XXXX we have been having difficulty paying our mortgage. All the paperwork that comes in regards to this is also sent in his name. Why? I have a copy of the original mortgage that show we took out he mortgage. He has since passed away from XXXX and we need to get this straightened out.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: FL

Complaint narrative:
A fraudulent company who charged my wife and I on an account that had been closed for 2 years. Instead of correcting the issue we got the run around and are now unable to move in to our apartment in a new state. The staff is completely incompetent, and extremely unhelpful. It took them XXXX days to figure out that they had committed a fraudulent charge. We are now living out of a hotel which is costing us hundreds of dollars a day for charges we never owed, since Hunter Warfield marked my credit report. I am unable to move into my apartment I was promised XXXX hour resolution and a letter stating that we owed nothing and that the charges were fraudulent. We have not received anything.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
Don`t know what happened with my first complaint, now I am starting over. Perhaps you will retrieve it. As, I have stated this complaint is about a loan with the XXXX lender XXXX XXXX XXXX XXXX XXXX. XXXX transferred it to XXXX and finally to Ocwen. The home was purchased in XX/XX/XXXX by me and my daughter. Many years later we asked Ocwen to sent loan documents to examine. To our surprise we found that the co-borrower signature had be compromised and placed on documents unauthorized. A complaint was made with the Commissioner of Banks and a fraud package was sent to us by Ocwen. All documents were filled out and forwarded back to the commission. Ocwen continue to " state that they never received the paperwork. The commission contacted Ocwen and spoked to their contact and finally they got the documents after continuing on going complainting. Recently, this company did not report to the credit bureau our earnings sent since XX/XX/XXXX. Reporting just started a month or so ago and the second loan still is not being reported. Since they became my servicer I have been loyal and pay every month on time without late entry`s and this is how we continue to be treated. Ocwen promise to send a explanation in writing explaining what happen in why they failed to report to the credit bureau, but still have not received XXXX response. As a result, emails have been sent to upper management and just have been ignored. I am tired now at this point paying money for a home that was attained under false pretenses. I have the right to no what happen. I believe all the parties should be held accountable for their wrong doing. I do hope you can assist me into making the right decision.Thank you!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: First Associates Loan Servicing LLC
State: NY

Complaint narrative:
I have tried paying my loan but I ca n't and I am two months behind on my loan and I called them to let them know about the payment peaks loan said ca n't you borrow the money from a family member

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Cooper Hoffman Klein Associates
State: TX

Complaint narrative:
I continue to receive calls from an automated recording from Cooper, Hofffman, Klein and Associates threatening to take an illegal action. I have contacted the number and asked that they please do not contact me at work as personal phone calls are not permitted. The individual that answered XXXX refused to listen to my request and would not transfer me to anyone else for assistance. She said that she had every right to contact me and that she was going to call " XXXX County Police Dept '' and file charges and that I should expect an officer to show up at my place of employment to arrest me. She refused to give me her fax number so that I could send a cease and desist letter to this organization. She then hung up on me. I called back later that afternoon and another person provided the fax number to me. I faxed the cease and desist letter to XXXX on XXXX XXXX, 2015 @ XXXX. Fax confirmation number is XXXX. I have sense received calls from this same organization on a daily basis with an automated recording being left on my work voice mail. I can not get them to stop contacting me and need assistance. Please advise.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I purchased a house a few years ago, and got a fixed 30yr mortgage. The monthly payment, including taxes came to {$2500.00} ( {$1900.00} for principal and intrest and {$600.00} for taxes ). About a year ago, the mortgage changed hands and the new company is now charging me {$2600.00}. I was confused by the increase in amount as it is a fixed loan and my taxes have not gone up. I called the company multiple times to try to figure out why, but the best explanation I could get was that they were now demanding an additional {$8000.00} sum to be kept in an escrow account, in addition to monthly sum I was already paying towards my taxes. I checked the fine print of the contract, and it is RESPA compliant, which means the amount the are charging is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
Ocwen Loan Servicing violated the XXXX XXXX XXXX laws of privacy, contacted my insurance company without my permission, paid off my homeowners insurance which was already paid n full and WAS NOT a requirement of my escrow ( real estate taxes only ) this created a double payment of my insurance, and created a deficit in my escrow. When my insurance company sent me a rebate, I contacted Ocwen, they told me to sign my insurance rebate back to them, they then illegally took this check and applied it to my principle, once again without my permission. They have so XXXX up this account in the 90 days that I have had my account with them, that I no longer have confidence in Ocwen 's competence in handling my money. I have also done research and found that this is a common illegal practice that Ocwen is doing to customers in an attempt to undernmine the consumer. This is a direct violation of the UDAAP laws designed to protect consumers. I demand that Ocwen stop acting illegally and without my consent to conduct my business. I have contacted an attorney and am ready to file a lawsuit for these outrageous and nefarious mishandling of my finances. I demand the account be returned to the original payment of {$1600.00} ( principle, interest & RE taxes ONLY ) I also demand that they pay a fine as outlined under LB and UDAAP directly to my principle, and pay me for 4 hours of my time ( $ XXXX ) IF THIS CAN NOT BE REMEDIED IMMEDIATELY I WILL SUE. I DO NOT HAVE THE TIME TO DEAL WITH THE UTTER INCOMPETENCE OF OCWEN.

Company response to consumer: Closed with explanation