vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I refinanced my loan thru HARP. My escrow was raised from $ XXXX/month to $ XXXX/month. I have repeatedly asked what they are paying and to give me a breakdown. No one can answer this question. They say they are only paying my taxes ( which is $ XXXX/yr ) and they have made the payment for the last several years so they know. If you do the math at $ XXXX/mo, they are collecting {$6100.00}. I have spoken with them about this since XXXX and they will not give me a straight answer. And they refuse to do another analysis and check why it is so high.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
Since its inceptionI have been cheated by Option One, AHMSI, Homeward residential and ultimately By Ocwen, I even HAd XXXX of AHMSI employees XXXX XXXX admit I was defrauded after he viewed XXXX different mortgage analyst look at my info and they both came up with conflicting views even though they both worked for AHMSI.Curently Ocwen has refused to give me a modification always requesting the same info even though it was faxed on numerous ocassions and even mailed, See document for fax log and you will see large amount of faxes going to a XXXX exchange in XXXX and XXXX showing the info did get to them

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
In XX/XX/XXXX I received a notice from Ocwen stating that I was eligible for {$5000.00} recast offer on my mortgage. It was an earned incentive under HAMP for paying my monthly mortgage as agreed & on time. I immediately accepted the incentive, and requested to have {$5000.00} applied to my loan, and to have my monthly payment lowered by {$50.00}. When my monthly mortgage payment increased from {$1100.00} to {$1300.00} on XX/XX/XXXX, I called Ocwen to make sure that my incentive had been applied, and was told that it takes 2-3 months. I recently received a letter from Ocwen dated XX/XX/XXXX stating, that I am not eligible for my incentive due to my payment being 41 days late. I have never been late with my monthly payments. I pay my own property taxes & home owner 's insurance and I have never been late. This is an unethical tactic by Ocwen to keep my incentive that I worked diligently for. I have ( 30 ) days to appeal their decision, which I did on XX/XX/XXXX by email to their Escalations Department. This loan servicer is very shady & dishonest, they are always trying to beat their customers out of money, incentives, loan modifications, etc. I want my {$5000.00} earned incentive applied to my loan ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
My ex-wife ( XXXX XXXX XXXX, her SSN : XXXX her DOB : XX/XX/XXXX, wanted and thus, was awarded my former home on XXXX XXXX XXXX in XXXX, California, by a California Family Law Judge as part of our Divorce settlement effective XX/XX/XXXX. So I moved out of it and back to XXXX, California ( which is over XXXX miles one way from XXXX, California ) over 16 months ago. 
Since I physically moved out, I stopped paying on the existing Ocwen Loan Servicing monthly mortgage because XXXX XXXX and her XXXX year old boyfriend physically moved into it and promised to continue to pay the monthly mortgage per the signed Court Order. 
And I mailed a copy of the signed Court Order to Ocwen Loan Servicing, yet Ocwen has now started to list the negative credit " Foreclosure '' status onto my XXXX credit report. I called Ocwen up and they refused to discuss it over the phone!!!

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

Complaint narrative:
In XX/XX/XXXX, I experienced financial difficulty and received foreclosure notice on property. In XX/XX/XXXX, I was contacted by Litton Loan Servicing saying that the propery was now " charged off '' and that I would need to settle the balance. I sent them {$7000.00} to settle. I continued to contact them and eventually received a message that they were now Ocwen Loan. I informed Ocwen of the settlement and they said they were not aware of anything. I continued to call Ocwen multiple times to research the incident. They would not. Finally, I negotiated with Ocwen another pay off for the same house that was foreclosed on, short saled, etc. They agreed to show paid in full ( see attaced ). They are still misreporting at all XXXX bureaus despite multiple attempts. This is causing me after 8 years to still cost extra money with interest rates and failure to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
Began a refinance process with Homeward Residential XX/XX/2016. From XXXX - XXXX I was passed to XXXX different loan processors and was asked to provide the same information several times. The different loan processors would come back asking for the same information over and over. The last loan processor reported that there were liens against my property which they are not and was asking me to prove that there were no liens. They continually asked for payoff information which had been provided three times. They did XXXX appraisals saying that the appraisal did not provide the information they needed but they continue to use the same appraisal. The last processor called and asked for information identifying herself as a loan processor but when I began asking why I was continually being asked to provide the same information she stated that she was a underwriter. This company strung me along for six months and still no refinance and they have several of my documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Asset Recovery Solutions, LLC
State: TX

Complaint narrative:
XXXX from XXXX Texas in a case against XXXX and XXXX XXXX a.k.a XXXX, in the matter of a student loan continually roams the XXXX XXXX XXXX listings of XXXX names in a collection effort. For the past THREE ( 3 )! years I get the same call looking for XXXX and XXXX XXXX. Previous calls have come from many different States and Cities, once from XXXX XXXX. XXXX and XXXX are a XXXX listing. I am ready to document each caller and sue them for abuse, XXXX and XXXX having to been targeted illegally by XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
I obtained a loan modification from Ocwen. My statement shows that Ocwen took {$1700.00} from my escrow account as a Loan Modification Balance Adjustment. It is my understanding that only taxes and insurance are to be taken from my escrow account. Those payments were also taken out.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Cooper Hoffman Klein Associates
State: CT

Complaint narrative:
I received a phone call at my job about a think cash loan from 2011. The person told me that the debt had been charged off. He said he had a file related to my social security number and verified my date of birth. He proceeded to tell me that I am going to be sued for defrauding a bank and charged with writing a bad check. After asking me a series of questions, he then said did I want to pay the $ XXXX on my own or take it to court. I told him I could n't discuss it with him right now because I am at work. He asked for a number I could be reached at, I did n't give him one. I took his number XXXX XXXX. He told me he worked for Cooper, Hoffman, Klein and Associates. XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX. I did a XXXX search and saw that the phone number given was associated with a scam. I also did a XXXX search on the address and that law firm does n't come up for that address.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: SC

Complaint narrative:
continued charging of property inspection fees when ocwen knows the property is owner occupied.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
{$5900.00} owed for fee/other has showed up again on Ocwen Loan Servicing 's web-site. This is the third time in the last year. They have removed this XXXX other times. I am in the process of refinancing my mortgage and I believe that they are going to try to collect this amount in the pay-off. This amount is not in their pay-off quote and has never appeared in any statement. This is my XXXX complaint. Do I have to go to the AZ Attorney General?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Ocwen is our loan servicer and XX/XX/XXXX my husband lost his job, I called Ocwen to explain we would be late they said to pay the late fee and get it in as soon as possible. Feeling nervous I applied for a payday loan to pay my mortgage at a huge percentage rate now I owe them as well I was able to make XX/XX/XXXX payment and a part of XX/XX/XXXX. Now as my husband was hoping to get unemployment he started to redo his XXXX when he suddenly got sick.. he was up and down and our mortgage was not getting paid because we had to survive somehow. when things would look better he would get sick again and go downfor 2 weeks at a time. all the while I was explaining this to Ocwen who just kept giving me amounts to pay and deadlines to get caught up.Finally on XXXX my husband woke up to XXXX. the pain was so bad he couldnt stand if he wanted to. I brought him to emergency and that was the end of him working. I told Ocwen and spoke to a hud counseler whom did not make me feel any better. I then filled out the modification package and sent them everything, receipts from my renters, tenant rental contracts my paystubs taxes for XX/XX/XXXX and XX/XX/XXXX everything and some.. Loan number on top of each page I faxed and sent hard copies. 8 days later I received a letter saying they were sorry to say but our owner of our loan does not do modifications.. excuse me? They knew this when they first started working with me regarding modifications.. now its been 6 months there is a tentative sale date on my home of 20+ years on XX/XX/XXXX. They knew this about the investor of the loan, so they wasted 6 months in telling me they will work with me save our home, do n't worry when they knew all along what the outcome was going to be. As far as Im concerned that the time I have wasted collecting paperwork, filling out and sending in the package I could have been looking into other sorces of income and help. Ocwen said there is no sale date but its been recorded. Ive heard from a legal firm that XXXX is the date of course Ocwen says there isnt a date but can there be one and they are just pulling my leg..? I dont know but what I do know is after all the investigating I have been doing I am now extremely knowledgeable in the default and foreclosure process that I am not going to lose my home.. My husband is now XXXX I have XXXX renters and another staying on my living room couch just to make ends meet.. I am a XXXX year old woman and this sorry loan servicer will not take my property without a fight.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
The basic, urgent problem I 'm having is with the loan servicing company giving false information regarding the status of a foreclosure sale date. On XXXX XXXX, 2016 a loss mitigation request was submitted to Ocwen Loan Servicing. On XXXX XXXX, 2016 a follow-up call was placed to Ocwen regarding the status. Representative ID Number : XXXX answered the call at XXXX. This same representative stated that documents were received. This representative also stated there is NO foreclosure sale date in the system. During this call several additional request for him to re-check again. Again this Ocwen representative stated there is no sale date. The representative was told that a website had the property up for auction on XXXX XXXX, 2016 ... Again the Ocwen representative stated, there is no sale date and that it will take approximately 30 days to review for loss mitigation options. On XXXX XXXX, I checked the status and was told by Ocwen, this information was incorrect and that the property would be foreclosing tomorrow at XXXX. How can it be legal to give false information regarding a foreclosure/trustee sale which restricts any legal options I could have exercised if I were given correct information by Ocwen.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
Filed a chapter XXXX two years ago, credit was never locked as I was told it would be, was overcharged on a car loan ( XXXX admitted mistake ) but when I filed chapter XXXX no one would help {$4800.00} mistake. ONE would think the trustee or Lawyer would do something. After all I am in a chapter XXXX. This is the most stressful thing I have ever done! 

Ocwen has place a chapter XXXX on XXXX XXXX credit I did not file a chapter XXXX and I am not XXXX XXXX. They had place somebody else credit on mine in I want it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Kansas Counselors, Inc.
State: MO

Complaint narrative:
Debt has not been verified ca n't provide contract or signature

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: CSO Financial
State: WA

Complaint narrative:
XXXX threatened to seize my assetts and garnish my wages, when I said a judge would allow payments life I was offering to make she said they 'd garnish and seize without it going to court. She said they 'd just take my income since they know where I work. She lied about calling XXXX I told her that has n't been my number for years, she said she 'd left a message. I told her I could prove it was n't my number for years. She told me they would n't agree to payments but we 're going to proceed in garnishing my wages

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29 00:00:00
Product: Other financial service — Money order
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MS

Complaint narrative:
On XXXX/XXXX/16, I purchased XXXX moneygram money orders from Walmart on XXXX XXXX in XXXX, XXXX for {$1000.00} each ( Money Order # 's : XXXX & XXXX ). After purchasing the money orders, I scanned both money orders to my XXXX XXXX XXXX account. I then tore the money orders up and discarded them at money services area at that Walmart ( A requirement that my bank XXXX requires ). In XXXX of this year ( 2016 ), XXXX pulled both of the {$1000.00} deposits for each money order from my account, stating that they had been contacted by MoneyGram stating that someone has deposited the physical money orders into an account at XXXX XXXX XXXX on XXXX/XXXX/16 and that MoneyGram would be pulling the funds from XXXX. I contacted XXXX XXXX XXXX and they informed me that a claim would have to be filed through MoneyGram to recover my funds. I contacted moneygram about this situation and on XXXX XXXX XXXX, I was contacted by XXXX XXXX XXXX of Monergram 's Resolution Assurance Dept ( XXXX ) who informed me that a credit had been issued by MoneyGram on XXXX/XXXX/16 for each money order and that my bank ( XXXX ) would need to contact the Federal Reserve and provide these reference numbers : XXXX - XXXX ref # XXXX on XXXX/XXXX/16 ; XXXX - XXXX ref # XXXX on XXXX/XXXX/16. XXXX contacted the Federal Reserve on XXXX XXXX XXXX and was informed that no funds were tied to these reference numbers and that the reference numbers provided were from the initial correspondence with XXXX XXXX XXXX and MoneyGram. This has been a very long and aggravating process that I would like to get resolved as soon as possible. I contacted XXXX and asked how could this happen when I endorsed each money order on the back by signing each of them with my name, and putting for deposit only, XXXX XXXX XXXX Bank ( see attached money orders that I had to pay moneygram {$24.00} each to get a copy of ). I also informed XXXX that I had never banked at XXXX XXXX XXXX, I knew no one that did and that this was a fraudulent case. MoneyGram provided a case number ( Case # : XXXX ) were they stated they opened up a claim of endorsement not as strong with XXXX XXXX XXXX ; a but to this date ( XXXX/XXXX/16 ), no resolution has occurred and I have not received my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
M & T Bank Mortgage servicing website has regular outages on critical due date or end of grace periods in order to charge late fees and then when a request to remove the late fee is provided, M & T Bank send a canned response stating their website supposed availability hours. Unless pushed they refuse to even address the question to remove the unwarranted late fee. This has happened in 3 occasions in the last 7 months and some times it takes several interactions with them to do what they should have done automatically. 
To support my statements here I can provide proof of payment and proof that M & T Bank has sometimes generated and sent 2 or 3 different statements in the same month to confuse the issue further.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Synerprise Consulting Services, Inc.
State: MI

Complaint narrative:
XXXX companies put me in collection when I did n't owe them. 
I had surgery while in the military and had an XXXX surgery at a XXXX hospital a few days later when I was XXXX. 
The hospital messed up paperwork and I never got any bills then months later I was put into collection. After finding out I got my insurance to pay which they had no issue. The collection company has really impacted my credit score and I want them removed my my name! What can be done to resolve the last part of this. They made my credit go down almost XXXX points!!!! 

The XXXX companies are XXXX and XXXX, they were affiliated with a terrible hospital in XXXX XXXX Texas called XXXX. This hospital was horrible and as I was was XXXX, they never gave me an XXXX till XXXX hrs later just before surgery! And my wife was cleaning up the XXXX and taking care of me as the nurses and doctors did nothing!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Direct Capital
State: OR

Complaint narrative:
Multiple people called from Direct Capital, claiming to have an account of over {$11000.00} in my name for a bad check, said they would settle for {$1000.00}. They also claimed they were a mediation company and did not have any information other than the amount owed. Would not give me any information regarding the account or what it was for - when I asked for more information and documentation, I was hung up on by a representative as well as a supervisor. I recorded the conversations for documentation. I called back 3 times, each time to be yelled and berated by the representative. I told them I would not settle anything or confirm anything until I received documentation showing what the debt was for. They sent me an email that did not display any of the information needed and have continued to call, from varying numbers as well as my work. This is not only frustrating, but embarrassing. If I do have a debt, I will take care of it, but so far it seems like they are a scam harassing people for reasons they are not willing to disclose.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed
Consumer complaint received 2016-02-22 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC

Complaint narrative:
Made a purchase of a puppy off a website XXXX XXXX The puppy never existed ( only pictures fraudulently used on website ). The seller was working with a non existent shipper whose website has now been suspended. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I lost a lot of money as they were very believable. Please do not respond to websites for purchase of items especially pets that you actually can, t see.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: LA

Complaint narrative:
I have verified my information with this company several times and I am not the person they are looking for. They claim to make a note of it but continue to call over and over.

Company response to consumer: Closed