vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-24 00:00:00
Product: Debt collection — Mortgage
Issue: False statements or representation — Impersonated an attorney or official
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
indecome global services same as XXXX XXXX XXXX fraud documentation robo signing reied on by co conspirator, indecome globalserices, ocwen, XXXX DEBET Collector forecloure mill .for deception and faulty evidence.debts that often could not be verified or may not be owed. Debt collectors XXXX and conspirators named indecomm global services, XXXX, OCWEN, XXXX use the court system for purposes of intimidation ( ASSIGNMENT FRAUD, FRAUD AND MULTIPLE VERSION COPY OF NOTES, FRAUD allonge, create mortgage notes using modern technology, fraud lost note affidavits none these document were ever certify as true and original copy by a practicing attorney in the foreclosure mill even with almost XXXX foreclosure mill attorney attached to this case. 
XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX knew these documents were fraud but continue o file even fraud note manufactured using the miracle modem technology, undated allonge signed by XXXX XXXX, of XXXX XXXX, and XXXX XXXX fraud stamp that on the note even ( several years she may longer work with residential funding, Gmac, home comming, that no longer cease to exist ), Introducing faulty or unsubstantiated evidence, Intimidating consumers with deceptive court filings THEY used sworn statements OF fraud affidavit, declarations of debts, assignments fraud prepared by indecomme global services prepared and robo signed from contract robo signer that claimed to be officers of multiple banking institutions attesting to details about consumer debts to support its lawsuits with no personal knowledge of defunct entities.when challenged their defense are baseless without merits.see similar actions of foreclosure mill law XXXX Reaches Settlement with CFPB over Debt Collection Lawsuit XXXX XXXX, 2015 Under a settlement with the CFPB, the Georgia-based debt collection law firm will pay a XXXX fine and nsure the existence of a variety of non-monetary compliance policies and procedures. 
On XXXX XXXX, 2015, Judge XXXX XXXX denied the XXXX XXXX 's Motion to Dismiss in the case Consumer Financial Protection Bureau v. XXXX XXXX XXXX XXXX XXXX, XXXX, et al., No. XXXX, XXXX XXXX ( XXXX., XXXX XXXX, 2015 ). In doing so, the district court concluded that the practice-of-law exclusion does not bar the CFPB 's CFPA claims. IN A SIMILAR CASE the CFPB has ordered XXXX of the XXXX law firm 's clients, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, to overhaul their debt collection practices and to refund XXXX to harmed consumers. The Bureau will continue working to ensure all players in the collections market treat consumers fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23 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:
XX/XX/XXXX, I made a substantial payment to the holder of my second mortgage to the tune of approximately {$370.00}. After that payment was applied, the remaining principal balance was {$1.00}, as evidenced by my XX/XX/XXXX statement. I subsequently paid {$1.00} in XXXX, and the payment was received by the company on XX/XX/XXXX. In XX/XX/XXXX, I received a statement indicating that a principal balance remained of {$0.00}. This would be impossible as my interest rate in around 6 %, and {$0.00} would not accrue on {$1.00} principal in one month. I have contacted them XXXX time since : XXXX times the individual agreed that the {$0.00} was in error ; the last time she said the only way to resolve was a payoff. Frustrated, I ordered the payoff. Although {$0.00} is not a lot of money, if this company handles all clients this way, it is making a substantial amount of money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION
State: TX

Complaint narrative:
M & T Bank has made multiple errors in processing my mortgage loan, loan # XXXX. I 've already filed XXXX complaint which they responded to, case # XXXX. However, when I disputed their response they ignored that dispute and the complaint is now closed. I need them to correct their mistakes as stated before and show that the mortgage is up to date. We have been paying as agreed since the mortgage was modified in XXXX 2014.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: M&T BANK CORPORATION
State: VA

Complaint narrative:
Due to inconsistencies in the amount owed that I was told by M & T Bank and the amount that was reported to the credit reporting agencies, I was advised to write a good will letter in order to address the issue and request the negative entry be removed from my credit report all together. I had a vehicle that was stolen and it was declared a total loss by insurance company. The insurance company and the GAP insurancw companypaid the outstanding balance of the loan, but I was told by M & T Bank that there was still a balance due on the loan. In good faith, without having received any proof as to why there was still a balance, I made a partial payment towards the remaining debt. I then sent the goodwill letter still offering to pay the remainder of the debt, but in exchange for the removal of the negative entry on my credit report. At one point, in XXXX 2015, per my credit monitoring agency, it showed a delinquent balance of {$0.00}, but when I checked my credit report again on XXXX XXXX 2015, there was a delinquent balance of {$1400.00}. The monies from the GAP insurance and my insurance company has been paid, M & T Bank says that I still owe {$620.00}, of which {$210.00} has already been paid. I contacted M & T Bank via return receipt mail, but I have not been given the courtesy of a response yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Incorrect/missing disclosures or info — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
Perthe requirements set forth by the FTC in the Civil Action XXXX. XXXX, MoneyGram and it 's agents are required and obligatedtoprotect the consumerfrom fraud and scams through conspicuous and prominent consumer warnings at locations offering MoneyGram products ( I will attach an excerpt from the finding ). 
I recently used a MoneyGramprovider, XXXX XXXX, to wire moneyand they ( XXXX XXXX ) didnot use any fraud warnings whatsoever ; no posters, no forms nor any receipts with warnings. Per a response I received from MoneyGram, the branch I used is supposed to warn the consumer and supposedly has fraud warnings on their verification receipts prior to sending ( confirmed by a letter from MG that I will attach ). I did not receive any sort of verification receipt with any sort of warning or fraud related info or questions ( I will attach my receipt I do have for reference ). Per discussion with the Division Director of XXXX XXXX they have fraud warning posters in their branches, however I have photographs of the branch I used and there are no warnings whatsoever. As a result of my ignorance and not being informed of the dangers of money transfers I was scammed out of {$2800.00}. Had I been informed of the dangers of sending money to a stranger I feel that I would not have done something that now seems so obviously stupid. I hold XXXX XXXX responsible as they were clearly negligent in their required duties to protect the customer. 
One last note ... a week later on XX/XX/XXXX XXXX XXXX from XXXX XXXX called me and asked if I could come in to fill out a form and answer some questions. He would not elaborate or tell me what the questions were or what the form was, just that the large amount I sent triggered a process that he forgot to follow. It is quite possible that this is the " fraud related questions '' that MoneyGram is referring to in their letter to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Madison Management Services, LLC
State: FL

Complaint narrative:
I was recently offered a loan modification by my second mortgage, Madison Management Services which threatened me with foreclosure last year. In order to avoid foreclosure, I was put into a forbearance agreement for a year starting XX/XX/2016. After fulfilling the agreement with a timely payment of {$300.00} per month, Madison asked me to keep paying the same amount without any modification in sight. I immediately replied asking them to reconsider their decision and offer me a more attainable and sensible loan. Now they came up with a very questionable loan modification where the original amount went from {$45000.00} to {$100000.00} due to some very questionable fees. So now I owe as much as my first mortgage. It does n't make any sense. What about all the payments I did submit? Do n't they count for something? My concern is the legality of those fees and the legality of Madison Management Services itself in collecting those payments. I ca n't afford paying XXXX mortgages as it is.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I had been paying a mortgage for ten years and have never been a day late on a payment. I have been confined to a wheelchair all my life, so I had a lot of money tied up in home modifications so that I can get around. Back in 2013 my home suffered damage from a storm, My insurance was with the mortgage company. The insurance company wanted me to pay for the repairs out of my pocket then they would refund me after completion of the work, something I ca n't afford. I was forced to leave my home after ten years, forced to leave my job. I had to let the house go as it was not livable due to mold and unsafe structure. Since then they have been calling me harassing me at work and times of the day that I have clearly stated times that they can call me, they refused to comply to my wishes causing stress and embarrassment.

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

Complaint narrative:
1 ) Phantom fees on payment history from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX totaling {$1500.00} need to be explained and refunded. 
2 ) Forced place insurance from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX was {$2500.00}. It was reversed on XXXX/XXXX/XXXX after 3 months. Three months of payments should have totaled {$640.00}. I was refunded {$1700.00}. The difference between what I was charged and what I was refunded is {$130.00}. 
3 ) Ocwen unfairly and incorrectly assessed the value of my home. I had an appraisal completed in XXXX XXXX and the value was shown as {$85000.00}. When I requested a payoff in XXXX XXXX I was told that a new appraisal needed to be completed. The second appraisal came in at {$230000.00}. I disputed the {$150000.00} in 3 month appreciation and it took until XXXX XXXX for another appraisal to be completed. The third appraisal came in at {$170000.00}. 
4 ) I was incorrectly charged shared appreciation of {$7900.00} as a result of the delay with the appraisal. The shared appreciation should have been {$0.00}. {$170000.00} - $ XXXX {$85000.00}. I submitted {$180000.00} of receipts for capital improvements. Ocwen accepted {$63000.00}. I am requesting that Ocwen honor the XXXX XXXX XXXX XXXX XXXX amount of {$48000.00} that was paid by Ocwen out of my escrow account. This would have resulted in a {$0.00} shared appreciation. 
5 ) There were to loan payoffs which were requested starting XXXX XXXX XXXX. I was not able to get a semi accurate payoff until XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
XXXX, you are so dishonest and a liar. you called and left me a message only XXXX time, I have called you twice and left messages with no response. 
You did not give me the recast payment of {$430.00} ; you gave me the payment of {$460.00} which is not the recast. I understand the increase of my taxes and insurance, but I am talking about the {$430.00} recast. The {$86.00} escrow monthly is based on the increase from XXXX to XXXX monthly. my monthly payments with my recast should be around XXXX monthly. I 've earned this and you have no right to deny me. Please address why I did not receive the incentive of {$430.00} monthly payment? This is an incentive and I want what is due to me

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I have been charged thousands of dollars in Property Valuation nad Inspection Fees from Ocwen. These fees have been ruled illegal and predatory, and I want a refund from Ocwen for every single time they charged me for each Inspection and Property Valuation fee. 
They have also charged me up to SEVENTEEN TIMES in ONE month for " Certified Mail '' fees and I want a refund on those. They have even charged me a couple months ago for fees they say were for 2012! They said unless I paid the fees they would declare my account LATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
Ocwen loan servicing has not given a account statements monthly ( none to date ) falsely reports on my credit report and is keeping payments in suspense. Multiple contact with this company in ref to these items, goes unchanged.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-06 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: KY

Complaint narrative:
I had XXXX XX/XX/XXXX. I called them before and after XXXX to ask what we could do. I am self employed and would have no income for about 6 weeks. They kept telling me they could n't help me until I was 2 months behind in payments. But I called in XX/XX/XXXX and XX/XX/XXXX to see if we could do anything. So we got 2 months behind so they could help us. So we started a loan modification process. In XX/XX/XXXX I tried to make a payment and they would not take less than 3 months worth of payments!! I ca n't understand that! But they said I assure you there is no need to worry we will add it to the modification and it will be fine. I asked them about it every time we talked. Same answer and they would n't let us pay anything! I also got concerned because they kept stalling on getting modification complete. They needed this then that and some things they ask for over and over until time ran out! No worry ma'am we will start a new process just turn everything in again!! And again no worries about payments. Well I should 've trusted my gut because they called XX/XX/XXXX and said we are sorry your modification has been denied because you have too much equity in your home. This loan is too small for a modification!!! We had just received a foreclosure letter from a company saying Ocwen had turned us over to them. I asked about it and he said again I assure you it will not go into forclosure! ( That was before we were denied ) and now after working hard to pay off our house for 25 years they have put us in foreclosure!! I just ca n't believe it. And I ca n't believe they wo n't do anything to help us get current. 7 months of them not taking any money!! We do n't have that kind of money! I forgot to say this is our XXXX mortgage. First mortgage is current and with XXXX. We wanted to try to consolidate the XXXX loans but no bank can give us a loan because of damage of not making payments for 7 months!! There has to be something to help us save our house. This is so unfair!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: DC

Complaint narrative:
My loan serving was transferred to OCWEN Home Mortgage effective XXXX/XXXX/XX/XX/2014. From this date OCWEN has not paid my property taxes from escrow on time. I have spent hours on the phone with them to ensure that my property tax is paid. Taxes have been due XXXX times since they took the loan servicing and each time they have been late and/or required significant effort on my part to pay the bill correctly. It appears that they do not know how to : transfer the funds to the correct place, track the funds, ensure the funds were received, or readily provide me with proof that the tax payments have occured on a specific date for a specific bill ( such as with an account transfer record number ). They also keep asking me to confirm my property 's Lot and Suffix number.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Ocwen Financial Corporation
State: KY

Complaint narrative:
filed bankrupsy XX/XX/2007, XXXX mortgage was Litton Loan at the time. Was purchased by by Ocwen. Ocwen purchased a debt in bankrupsy, this loan was not reaffirmed, and according to our loan officer it is an uncollectable debt. Yet they call multiple times a day, as early as XXXX. They have added lawyer fees, late payments, and are ruining my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Revenue Recovery Corporation
State: TN

Complaint narrative:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2015-06-04 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
Because we had an ARM that began to adjust to unaffordable levers and because of the economy and loss of employment ; we were forced to file chapt-XXXX. This Lender denied our application for re-affirmation. While in the middle of completing a modification application with OCWEN ; XXXX months later -we were evicted from our primary home and foreclosed on. OCWEN continued to pursue us even after the foreclosure so we filed a complaint with NC Banking Dpt. OCWEN denied having foreclosed, and even though we provided a copy of the eviction notice and " report of foreclosure sale '' along with photos of the " foreclosed '' signs hanging in windows by Sheriff : NC banking closed the case. OCWEN continued to harass us and we continuously provided them with copies of the foreclosure documents. The most perplexing part is that they foreclosed on us XXXX! The XXXX " report of foreclosure and sale '' is dated XX/XX/XXXX. Now they just foreclosed and " went to steps '' again in XX/XX/XXXX! The attorneys for the bank will not advise how they were able to foreclose twice and will not speak with us because we do not have legal representation and we are not able to locate an attorney willing to represent us.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
ocwen hasnt updated my credit report since 2012. i 've contacted them several times and they give me the run around much like when they fraudulently foreclosed on me in 2012.ive asked them also what house was sold for on foreclosure they will not tell me nor was a deed of trust filed with the county it was sold in. they bounce me around to XXXX and back to them and i get no where. im trying to get approved for a home loan and this is my hang up says my mortgage officer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I sent a cashier check to Ocwen Loan Servicing in the amount of {$42000.00} to pay off my mortgage by certified mail, the money is just sitting in there TX office since XX/XX/XXXX, I called many times to see why this money was not applied to my account, I have never been late on any of my payments, I just want to pay off my mortgage, I do n't need this problem at XXXX it took many years to save this money Ocwen should be ashamed of the way they treat a good customer

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
this acct was a result of identity theft and still reports on my credit report i have obtainted reports and notarized statement of id theft ftc complaint

Company response to consumer: Closed with explanation