vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-29 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: NY

Complaint narrative:
I am filing a complaint due to the issue of my mortgage bank being uncooperative with me in order to settle up on my payments and avoid foreclosure on my home. Fives years ago the co-owner and I split up and he left the home. He cut all ties financially with me and quit his job making it difficult for me to keep up on payments. I applied for a hardship program through XXXX a little over a year after we split. But it still was difficult and eventually I was unable to make payments and provide for my children. Last year my mortgage was bought out by Caliber Home Loans. They sent me a payment agreement consisting of interest only payment with escrowed insurance and taxes. I was interested in this of course. When I contacted them they informed me that the co-owner had to sign the agreement also. I informed them of my situation and they still would not work with just me on saving my home. Because myself and co-owner were not married there was no distribution of property when the relationship was dissolved. I was left with all the bills and providing for the child we have in common. Again two weeks ago on XXXX XXXX I contacted them concerning the possible foreclosure and my application of loss mitigation. I provided them with everything I could. The only document they were missing and required was a signed letter from the co-owner stating he would sign the modification. Which they were well aware of in my application letter that he refused to do due to going through family issues concerning child support. With all this information I believe that Caliber should assist me without the consent of the co-owner as I am the one still living in the home and paying the bills. The ending result as of XXXX XXXX the courts have granted the bank counsels motion to appoint a referee and grant a judgment of foreclosure. I do not want to lose my home that I share with my children. The only home my son, the child we share, has ever lived in.

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

Complaint narrative:
I, XXXX XXXX, am the authorized third party for XXXX XXXX XXXX XXXX. I 'm helping him apply for a loan modification with Ocwen, his loan # is XXXX. Ocwen approved him for a HAMP tier 2 modification on XXXX/XXXX/XXXX which only lowered his payments by about {$400.00} per month which did n't help him make the payments more affordable. We sent Ocwen a letter the next day on XXXX/XXXX/XXXX stating that this modification did n't help them and they would like it to be closed out and reviewed for an in house modification to see if maybe there was a better modification offer for them. Ocwen then said it would take a few days to close it out and it was never closed out until XXXX/XXXX/XXXX. It took about a month to close it out after we sent them a letter and they received it saying it would be closed out any day now. We resubmitted updated documents at that time XX/XX/XXXX to be reviewed for an in house modification, when at that point Ocwen then again approved it for a HAMP tier 2 on XXXX/XXXX/XXXX with identical payments which again did n't help the borrower. I have now sent them a letter asking them AGAIN to close out the review and review XXXX for an in house modification and they keep saying the same thing again saying, give us a few days and call back and it will be closed out and nothing is being done to close out the HAMP tier 2 approval and review him for an in house modification. This is XXXX 's last hope to save his home, if they can offer him a lower payment with an in house modification he can keep his home and I 've seen very great in house modifications with Ocwen so I know it 's possible but they keep dragging their feet and XXXX keeps falling further and further behind. If you can please help XXXX 's family out by having Ocwen expedite the process by closing out the HAMP tier 2 and reviewing him for an in house modification this would make a huge difference in their lives, they do not want to let go of their family 's home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: ID

Complaint narrative:
My mortgage servicing company has repeatedly given me inaccurate information in regards to my mortgage loan servicing and loan modification package documentation. I contacted my servicing company when I fell behind on my mortgage payments. They set up an outlined repayment plan, and then waited 20 days to send a letter of acceptance which was 2 weeks past the due date of any payment plan down payment, so I missed the date and the subsequently, the plan was denied. I called back a second time to set it up again, and the CS rep miscalculated the repayment options, and then it was denied again. They then told me to submit a full modification package to see if maybe the modification would be accepted, but continue to be missing documentation and my loan is now in foreclosure. 
I have had the loan modified previously, and was unaware that they could not charge me a modification fee, but going through paperwork ... I was charges {$900.00} to modify the loan along with thousands of dollars worth of " misc fees ''. I also have several years worth of loan documents that are not currently available on my loan from its beginning ; 5 years of statements, payments, and tax records that can not be accounted for, as well as current years taxes and insurance bills that have not been paid and kept current. I have been billed by my local tax authority as well as my mortgage insurance company for monies due that should be paid from my escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
on XXXX XXXX we had struggled to get a loan modification through XXXX mortgage after getting XXXX with a 3 % interest we signed on the dotted line. At the time we saw that they had installed a balloon payment of over {$28000.00} they said it was for the payments in arrears but we never missed more than 6 months of payments and this was only because XXXX mortgage said to stop paying thats the only way they would help us. Anyway back to the present ocwen our mortgage lender now added money to this bringing it to {$31000.00} that ocwen has added to our principle remaining balance. We our in the final stage of getting a va refi but again ocwen has tried to rip us off. after i had looked at our modification agreement i found that ocwen violated the contract by not changing our loan to principle and interest which they did not due .The mod agreement states that interest only period will end on XXXX XXXX XXXX which they did not due so now its going on 2 years later and only because i caught them violating the agreement on XXXX XXXX XXXX i had called them and are payment was at {$1700.00} and when i called on XXXX XXXX XXXX the payment doubled over night they took our 3 % interest and raised it to 7.25 % over night iam not a lawyer but this is against the law. So what we wanted them to do is remove the {$31000.00} from our principle loan balance because XXXX out of paying 2 years of principle on our house. they then said they would look into this matter and when i called back they told me that the amount of {$37000.00} would be removed from the pay off amount after the letter was approved .Ihave called almost everyday to find out when this would be removed so we can then payoff the remaining principle balance and get away from this completely crooked company .We were told that it would only take 10-15 days it has gone past that now they tell us to give them 24-48hrs they have said this 3 times .You can now see what we have been dealing with for years now please help us make them remove that fraudulant {$31000.00} deffered payment from our payoff amount so we get finally get a real XXXX fixed mortgage using my va refi. So were asking for any help that you can give us .Me and my family would like to thankyou in advance for any help you can give us to get them to remove that {$31000.00} from are payoff so we can proceed with our va refi thankyou.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
I am devastated and frustrated after not able to come to a work out plan with Ocwen that will be affordable. Due to circumstances beyond my control .I had entered in to permanent loan modification in XXXX with an un paid balance of {$560000.00} This modification included a graduated interest rate and payment based on a schedule with an escrow account every month in the amount of {$1400.00}. Payments were interest only with a balloon payment at the end of 30 years..I was laid off from my job in XXXX of XXXX and shortly after I became ill and XXXX was necessary. That kept me out of work for several month. I began to default on my mortgage in XXXX. The adjusted payments became tough on us. I reached out to Ocwen for help to no success. I have provided documents requested and all they have done is pros pone and pros pone reviews to the e point that this delayed has increased the note to {$700000.00} thousand dollars. I want to keep my home. We have XXXX children to provide shelter for. Please hear me out. Refinancing as this point is not an option for I have done an appraisal and my home is worth less than what we owe. 
There are a lot of issues regarding my note which includes TILA issues.. 
I had no other choice than to request a Mortgage Fraud Investigator to complete a review of my mortgage.. 
All I really want is to keep my home for my children .Please I am really looking for an affordable mortgage.. Hope you can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
I went to school at a school that has since closed. It went by many names ... ..XXXX, XXXX, XXXX ... ..to name a few. Anyway, I went to school XX/XX/XXXX and had a loan through Navient and have been paying them since then. They have threatened me with garnishments, made harassing calls to me, and forced me to set up payment plans. I recently went on a .gov website for some help because as often as the companies change, I can not keep track of who i 'm paying and how much or how long i 've been paying each company. Anyway, the .gov site chat sent me to NSLDS.ed.gov where I could see my loan history and there I found that Navient was paid off thru a consolidation loan XX/XX/XXXX! But they 're STILL TAKING MY MONEY, every month, right out of my bank account. I have requested my transcripts so I can try to get loan forgiveness since the school I went to just suddenly boarded up one day. I am also looking into Public Service Loan forgiveness, since I have worked in the XXXX since XX/XX/XXXX. But in the mean time, Navient has taken my money, for 11 years without me owing them ANYTHING. I have attempted numerous times to call them via their XXXX and local numbers and can never get a live person.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
Loan Modification Application was sent via email ( XXXXXXXXXXXX ) to Ocwen on XX/XX/XXXX. Additional documents were requested on XX/XX/XXXX by the plaintiffs attorney XXXX , the request was based on the borrower seasonal income period worked, that request was responded to and the question addressed via a letter of explanation XX/XX/XXXX. On XX/XX/XXXX updated documents were sent for the continuation of the modification review. Once again another request was sent regarding the borrowers seasonal employment, a letter of explanation was sent and also proof ( class schedule ) start and end time of the seasonal employment. Due to the delay in review, Ocwen then requested updated documentation for the co-borrower, this request was adhered too, however the delay in review and the sporadic erroneous request kept on for almost two months. With the most recent being XX/XX/XXXX, where the servicer has revisited and requested additional information on paystubs that were submitted since XX/XX/XXXX. 
The requests are unnecessary and a delayed tactic that the servicer is engaging all requests were responded to and all questions addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Duncan Solutions, lnc.
State: MD

Complaint narrative:
Hello,

Professional Account ManagementXXXX is repeatadly contacting me threateaning to file a report with the Credit Reporting agencies despite the fact that I provided them with a written notice disputing the validity of the debt withing 30 days of original notice.

Their Acct # for me is XXXX
Their phone # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
We defaulted on our mortgage XX/XX/XXXX because we were going to lose our car and had to pay a large amount to get our car loan balance up to date. We applied for a mortgage loan modification with our lender Ocwen. We have been submitting modification paperwork for a year and a half. Every few weeks during that 11/2 years, they would come to us asking for more paperwork. We sent them all the paperwork they needed so many times that we lost count. And we spoke to them so many times and were assured that they had all the paperwork they needed only to have them call again and again saying they were missing documents. XX/XX/XXXX, they had their lawyer begin mediation. We gave her all of the same papers we had given Ocwen for the past 11/2 years. She finally got through to them and they recently presented us with their offer. They decided to rais our payment over {$300.00} more than what we were paying when we had our hardship XX/XX/XXXX. They told us that we do n't qualify for any of the Home Affordable programs. The loan amount is over {$160000.00} because of all their fees. Our home, built in the XXXX 's, is barely worth {$110000.00} and is in dire need of repairs ( furnace, roof, flooring, electrical, plumbing, etc ). We can not afford such a high payment. We would never be able to make the repairs neede to make it liveable. Not to mention their offer includes a balloon payment of over {$90000.00} XX/XX/XXXX. We do n't want to lose our home. Paying over {$800.00} a month on a home that is falling apart is very disheartening. We do n't understand how Ocwen could raise our payment from {$520.00} to {$820.00} and expect us to be fine with it. We believe they can lower the payment. We also believe they are being dishonest. We have until XX/XX/XXXX to accept their offer or move out. We do n't want to do either one. We ask for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: ND

Complaint narrative:
We applied for a XXXX mortgage through XXXX in XXXX it was transferred to Ocwen. We paid the loan off in XXXX XXXX. The initial loan was for a property on XXXX XXXX XXXX in XXXX, OH XXXX in XXXX in XXXX we requested if we could move the loan to a new property we wanted to purchase. the address was XXXX XXXX XXXX XXXX, OH XXXX. The loan was paid off on the home on XXXX XXXX For some reason Ocwen Acct # XXXX phone # XXXX sent the mortgage to a collection agency 2 months before we paid the loan off we had never been delinquent on any of our payments. They did n't release the loan to the county when it was paid off. When we contacted them to release the loan they kept sending us back to the collection agency. At that time we contacted your organization to clear the loan off of the property. They complied and released the loan. 
The reason why were contacting you again now is we are trying to do a deed in lieu on the property on XXXX XXXX. The mortgage company is XXXX mortgage Acct # XXXX our contact person is XXXX XXXX XXXXXXXXXXXX. She is trying to clear the title of the property to finalize the deed in lieu. She has found Ocwen opened a second loan when we transferred the mortgage from XXXX XXXX XXXX to XXXX XXXX so it looks like we took out XXXX loans on that property. When I notified them of this the person I talked to at Ocwen which I did n't write his name down on XXXX XXXX at XXXX did n't start a ticket to figure out the problem so I waited until yesterday XXXX XXXX at XXXX I spoke with XXXX operator # XXXX she said she would look into it and call me back this morning with more information, she never called. 
The email I received from XXXX XXXX stated the record release we recieved from Ocwen was recorded incorrectly or was not the correct release. The release we need is book XXXX page XXXX and was recorded in XXXX for {$35000.00}. The release they provided was for mortgage from XXXX with book XXXX page XXXX for {$35000.00}. I did forward this email to the male on XXXX XXXX but obviously nothing was done with it. XXXX emailed me yesterday telling me to file another complaint with you. The deed in lieu is in jeopardy of not being finalized. I need your helpThank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I have been fighting to get a fair and equitable modification for XXXX years. My original loan was fraudulently put into an ARM. My signatures were forged. I was a victim of the subprime mess. My mortgage was sold to XXXX, Litton Loan, Ocwen Loan and at some point had connections to XXXX XXXX and XXXX. I in the past I have filed bankruptcy to protect and save my home. Only to have attorneys who did not file the proper paperwork to strip the lien of the XXXX mortgage. The mortage was discharge but Ocwen is saying I still owe it. I was approved for a modification through Litton Loan that Ocwen did not recognize. I had to pay trial payments XXXX different times, citing I did not send in all paper work. When I did. Ocwen back dated dates and threatened to take my home. I have all the documents and proof that I was a victim of consumer mortgage fraud. I have been and still am being victimized by Ocwen. All I want is my principle reduced to market value, recognition that I do n't owe a XXXX mortgage and credit for all payments I have made including all trial payment that was never credited. I want the government to look into my case. I started this process before the CFPB was instituted I sent documents to the Federal Trade Comission.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I have been working with Ocwen for what feels like years in regards to options for foreclosure. I have been forced to file bankruptcy on several occasions and yet Ocwen is continuing to give me the run around and asking for more and more documents every time I get closer to resolution. It 's as if this is all just a game and my homeowner bill of rights are being violated left and right. I have no assigned point of contact and I have a sale coming up with no options.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
This is a follow-up to a complaint I filed through your site against Ocwen for failing to provide me with the stock certificate and proprietary lease upon completion of my mortgage loan payments effected XX/XX/XXXX. 
On XXXX XXXX, XXXX, Ocwen, after trying to reach them several times, and after posting the complaint through your site, responded that they needed 30 days to obtain the stock certificate from third party trustees. However, 30 days are over today and I still have not received the promised document - stock certificate and proprietary lease. 
Instead, Ocwen sent me an e-mail with duplicate documents provided before ; i.e. pooling agreement between XXXX XXXX and XXXX XXXX XXXX XXXX. I responded indicating that such document was ( 1 ) dated prior to the Co-Op Conversion XXXX XXXX ( 2 ) signed by the sponsor who no longer has any authority over the Co-Op ( 3 ) document does n't list the Co-Op XXXX XXXX XXXX XXXX XXXX as part of the service transfer request to XXXX XXXX XXXX XXXX ( 4 ) When I purchased the apartment, I obtained financing through XXXX XXXX XXXX not XXXX XXXX XXXX XXXX. 
Based on the above, I find the pooling agreement forwarded by Ocwen, invalid. 
The current management company for XXXX XXXX XXXX XXXX XXXX is XXXX XXXX not XXXX. As mentioned before, XXXX was the Sponsor who no longer has any interest in the building and was supposed to relinquish any authority 5 years after the Co-Op conversion any way. 
Ocwen also stated that they did n't have a need to file for a XXXX continuation because the previous one had already expired. My understanding is that XXXX serves as the financial institution 's collateral of an outstanding debt. What was Ocwen 's collateral in this case. I know the loan is now paid off ; however, it is important to me to understand the reasons behind the non-filing of this document as there seem to be third parties involved on my property interest who I do n't think they should be and which I was n't aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: WI

Complaint narrative:
After I bought my house, I remodeled it my self. I then built a big shed on my property ... .. all improvements have been done by me. My mortgage has been sold 3 times since I took it out. Now I have major hail damage, and want to fix it myself. The mortgage company tells me I have to hire a third party to do the repairs. They said the only way this works is I sign the check over to them, and they will determine who gets paid for doing repairs, and how much ... ... this company has a XXXX rating of XXXX and there are many complaints to them not paying bills in a timely fashion when submitted to them. I still hold the insurance check, what are my legal options?

Company response to consumer: Closed with explanation