vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-03-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
On or about XXXX XXXX, 2015, Ocwen stated, " At this time, Ocwen has received all information needed from you. Ocwen has requested the attorney complete a title search to confirm the title is clear in order for us to proceed with the DIL review. You will be notified of the decision once the requested information is received from the attorney. '' Since then, I have corresponded with a relationship manager ( in addition to calls from other representatives with contradictory status information resulting in more confusion ). I signed tax documents, closing documents, release documents. I was advised that after this last document was signed at the attorney office representing Ocwen, that the only thing that remains was XXXX FINAL title search to make sure that it was clear. The last document was signed on or about XXXX XXXX, 2015 ( initially submitted XXXX/XXXX/15 but attorneys claimed that I was missing XXXX document which is why I went to their office to sign any document they needed ). This accepted the completed signed documents. I was told that another title search would take XXXX days, at which point if clear, that would close the deed-in-lieu application. Each time I speak with an Ocwen representative, they ask me for time. It has not been over XXXX days and last week Thursday, I was told that the title search has not been done and that I now need to submit XXXX months bank statement. If I did not submit, then the application which I spent months providing documents would be denied. This is an astounding turn of events. I continue to get the runaround, persistent delay tactics, and calls from representatives other than the assigned relationship managers who provide me with wrong information about the status of my application and requesting information that I already provided. Today, I received a call saying that I will be contacted by a NEW relationship manager. And that my previous XXXX provided me with erroneous information pertaining to the final status of my application. 

I feel that I provided ALL information requested and that I should not be required to provide additional information. I also asked the representative with home spoke with today to return copies of all documents that I submitted to date because I am concerned that my private information is not properly secure -- especially since they can not confirm what I had submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
The mortgage servicer does not send a monthly statement each billing cycle. I have called them to request this, but all they do is send copies of back statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
I am reaching out for help. My mortgage payment adjusted in XXXX of this year and increased by over {$1300.00} per month. I can not afford this payment and requested a modification from my mortgage servicer. They told me I did not qualify because my account was not delinquent. I can not refinance as my house is worth far less than I owe, and my loan is not owned by XXXX or XXXX XXXX so I do not qualify for the HARP program. I am stuck, I can not refinance and do n't feel that I should ruin my credit rating to seek relief from my mortgage servicer? Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Duncan Solutions, lnc.
State: MD

Complaint narrative:
After checking my credit report I fount a collection was made on my account for the amount of {$100.00} and was opened on XXXX XXXX, XXXX. After trying to contact the collector to dispute the charges made on my account I found the number to be unavailable. I tried to write to the company on XXXX XXXX, XXXX at Professional Account MGM XXXX XXXX XXXX. XXXX, WI XXXX and received no response. I would like this company to validate the debt under my rights by the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
I am the XXXX for the homeowner of a property at XXXX XXXX, XXXX, MI XXXX. Ocwen holds XXXX mortgages with and there is a XXXX mortgage withe the state of Michigan. I have submitted all required documents to Ocwen to gain an approval for the a short sale and Ocwen provided me an approval, however the approve left off the XXXX lean to the state of michigan. I submitted request XXXX lean required information and Ocwen keeps telling me that it is not acceptable. I ask them over and over what they want me to send and when I send it they continue to ask for the same document over and over that I keep submitting. I have been working on this file since XXXX 2015 and it has been a difficult task every step of the way with Ocwen.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: IN

Complaint narrative:
My mortgage collector, XXXX ( nka Ocwen ) refused payments and forced me to file Chapter XXXX Bankruptcy. My Chapter XXXX was a full repayment plan. After all payments were made the Court confirmed with all Creditors that full payments had been received and they said that nothing was due and owing. 6 months after my bankruptcy was discharged Ocwen claimed ( through notice to my attorney ) that I owed an additional {$8500.00} and threatened foreclosure. My bankruptcy attorney was not helpful with disputing this amount and I was so stressed out that I went ahead and entered into a Loan Modification with them and did not dispute the amount. During the bankruptcy and after I have requested monthly statements. My attorney sent several letters telling the it was ok for them to send monthly statements ; and I have called and faxed/mailed letters asking for monthly statements. I have not received a monthly statement since 2008. When I call they tell me that they have notes saying that I told them to " not '' send statements. Oh and when I do call I 'm calling XXXX or some foreign country. Is there anything I can do?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
We were on time, every month with our mortgage. OCWEN began taking our additional monthly payments and putting them into a " suspense account '' rather than paying down our principal. When they would not pay down our principal, I asked OCWEN to apply my extra payments towards next month invoice. They said they would, but they never did. All additional principal payments never went to principal, but into suspense account. The math became impossible to understand. We never missed a payment, now OCWEN says we are six months behind! And we never missed a payment. They assigned us a " relationship manager '' as an advocate of Ombudsman Department but they never return calls or emails. Its a scam! Now they have a lawyer calling us and they stopped accepting regular monthly payments. They forced us into foreclosure and our perfect credit reports now have XXXX late payments and our scores went from XXXX to XXXX and dropping! Our loan officer says we can not qualify for a mortgage now. Many states, including California have fined them XXXX of dollars for mishandling loans, but they are still in business and they should not be. Remember, politicians take lobby money to protect big business. Only in numbers can the people prevail. Submit your complaint now and be heard!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Meyer & Njus, P.A.
State: MI

Complaint narrative:
I received a summon and complaint from the courts, however someone credit information was attached. I have answered the courts and have sent a letter to the creditor to correct this information.

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

Complaint narrative:
Ocwen Loan Servicing , LLC, located in XXXX, Florida refuses to comply with the Federal requirement to terminate my PMI insurance at the 78 % LTV.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
We have been processing a short sale application with Ocwen Loan Servicing since XX/XX/2016. The borrowers were approved for participation in the HAFA short sale program. Ocwen delayed the file, requesting the same documents again & again, and we did n't even see an approval on the purchase offer until XX/XX/2016. By that time, the buyer had walked because property values in the area dropped significantly due to a drastic increase in inventory, combined with the deteriorating condition of the home and having had to wait so long just for a decision. We then submitted a new offer for {$28000.00} less on XX/XX/2016, with all current documents. Ocwen 's valuation of the property came in at the same amount of the offer so everything was looking like it could move forward. However, Ocwen is now saying that the application deadline for HAFA was XX/XX/2016 and they did n't have all of the documents on file so the borrowers are no longer eligible. This derails the entire transaction because their in-house short sale program does not allow nearly enough money towards the junior lienholders, and it removes any/all relocation assistance to the borrowers. I would also like to mention that the only document Ocwen did not have, according to them, was an unpaid principle balance statement from the 2nd lienholder. They had several copies of this document throughout the process since it 's conception in XX/XX/2016 and we had to get special approval on the document because of how the collections company was required to issue the statement. Basically we went through all of their hoops to get the first HAFA approval, which took a total of 6 months to be approved, and now they are saying the homeowners did not submit the application in time for the new offer. In addition, the makinghomeaffordable.gov website states that the application deadline is XX/XX/2016, not XX/XX/2016 as Ocwen is stating. This would give the borrowers more time to submit whatever Ocwen claims is missing from the file. The borrowers have done everything they needed to in order to complete Ocwen 's ridiculous process, and now that they have another viable offer, which Ocwen has had in review for over 2 months already!, Ocwen says they can not participate. I would also like to stress the fact that the borrowers already had a HAFA short sale approved just 2 months ago as well so it makes no logical sense that they now do not qualify.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
I submitted a claim against QCWEN, the same outfit you appointed as ombudsman to manage recovery funds for individuals damaged by QCWEN et al. Ocwen refused to communicate but later they told me they had no proof of my standing on home I inherited from bu deceased son. Even though I provided court documents whereby I was appointed executor they still refused to provide ANY data or information on the home I became the owner of by court order. Its been yet another year later and QCWEN continues to advise my status for ferund of damages I incurrered. CFPB, in fact has been advised of this numerous times and all I get is rejection. I am XXXX, XXXX vet who will no doubt predecease any recovery. My question is WHY DOES CFPB NOT POLICE THE OMBUDSMAN THAT CFPB APPOINTED TO LAWFULLY DO THE JOB IT HAS BEEN ORDERED TO DO? I have been failing at every trun to gain assistance on this, the earliest matter OBAMA charged XXXX XXXX to police? Why does CFPH ignore my ongpong requests for help? 
Regretfully as I write this I seriously doubt I will obtain any help from CFPB, but I will die trying. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
My mortgage was originated by XXXX XXXX XXXX, XXXX, Georgia. I am in good payment standing with XXXX XXXX Bank, and never missed or be late in any mortgage monthly payments. Then my mortgage was purchase/transfer to XXXX XXXX. XXXX XXXX turn my mortgage to a third party ( Ocwen Loan Servicing ) to handle the collection of mortgage monthly payments. Ocwen Loan Servicing , LLC is located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, FL XXXX and their website is XXXX. Ocwen send me a letter asking to fill out IRS Form XXXX, which is the form that employers fill for collecting Federal taxes out of payroll of employees. Ocwen state in their letter that I will be fine {$100.00} if this form is not completed and mail back. Called Ocwen ( XXXX ) XXXX number to ask why I have to fill form XXXX since I am not an employee of Ocwen ... I am their costumer. Every single call made to Ocwen call center ( in XXXX ) lead to a costumer representative who can not answer my question, then they proceed to place my call in hold for someone to assist me. After waiting for more than 15 minutes, some XXXX pick up the phone and hang up on me. I try to contact Ocwen at different times and days of the week but the results are always the same. Ocwen costumers representative will place your call in hold and then hang up. This is poor costumer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17 00:00:00
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: Ocwen Financial Corporation
State: CT

Complaint narrative:
Ocwen is the serve provider for the mortgage. I can not verify nor can Ocwen but I believe the holder of the note is XXXX XXXX. The mortgage was purchased by the above companies from XXXX XXXX. It was a Home Affordable Modification Agreement processed after my divorce to my ex wife. In accordance to the divorce degree dated XXXX, I was asked to cooperate with her in getting the mod. The mod is solely in my name as was the original mortgage. However because XXXX XXXX knew of the divorce and the terms of the agreement they structured the modification to add the Federal Law XXXX 12 U.S. Code 1701j-3 allowing the mortgage to be assumable to my ex wife provided she was living there and the house was quit claimed to her. Both are fact as she has been living there, paying the mortgage and the house was quit claimed at the time of the divorce XXXX. Shortly thereafter the mortgage was purchased by XXXX XXXX and Ocwen became the service provider. Since XXXX I have been attempting to remove my name from the mortgage and have my ex wife assume the mortgage as stated in the federal law XXXX XXXX 12 U.S. Code 1701j-3. Ocwen sent me e mails claiming the mortgage was not assumable and they were not familiar with the federal law XXXX XXXX Act. After 2 years Ocwen acknowledged in writing that the mortgage was assumable under the federal XXXX XXXX XXXX. Ocwen issued an e mail to me stating that I would have to amend the terms of my divorce decree to allow such an assumption in accordance with the provisions of the XXXX XXXX XXXX. I have spent thousands of dollars in court and attorney 's fees to gain all the required doc 's Ocwen insisted I provide in the subject e mail to me. I e mail Ocwen on XXXX XXXX the information they required to remove my name from the mortgage by the federal law XXXX XXXX XXXX. Ocwen now has stated they will not remove my name without reason. I spoke to them again on XXXX XXXX, XXXX and they stated they may review it again. 
I am writing to the CFPB because I have done exactly what I was asked to do by Ocwen to remove my name and have spent thousand of dollars to get them to recognize a federal law. I also have read that the CFPB in XXXX ordered Ocwen to provide XXXX in relief for wrong doing. Part of the wrong doing was 1 ) Providing false or misleading reasons for denying 2 ) Failing to honor previously agree upon modifications with prior banks or servicers. I truly believe this is the case. In fact when you read the XXXX XXXX XXXX their is no mention of the decree having to state anything about an assumption. the law is written into the language of the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
The ordeal with Ocwen continues. I called Ocwen this past Friday to ask for the status on my claim : i.e. pending delivery of my closing documents such as stock certificate, proprietary lease, promissory note, loan agreement among others to be delivered upon completion of loan payment. 
The representative who answered the phone ; XXXX, after placing me on hold for a few long minutes to research his system, indicated that there was nothing pending. There was no request for the closing documents anywhere in his system. 
When I indicated that I had received communications from XXXX and XXXX that they were expecting to receive the documents by XX/XX/XXXX ( day of my call ), XXXX did n't know who XXXX was and said that XXXX was at a different office. However, when I asked for his direct phone number, XXXX realized that XXXX indeed worked in the same office and transferred me to him. 
XXXX indicated that he did n't have any updates and that he would call me by Tuesday ( today ) to let me know where were them on the receipt of documents. He also said that they had hired an attorney to go after the documents from XXXX XXXX. 
When asked what had taken them so long to go after the documents they know or are supposed to know that they needed to deliver to me, he had no answer. 
How is that almost a year after the loan has been paid off, and Ocwen did n't know who the real owners of the loan are, who was the management company, etc. 
If I did n't state this on my last response, they would 've kept going after people I do n't even know. 
I strongly request that Ocwen release the closing documents they need to provide me upon receipt of full completion on loan payment and advise me when am I to receive them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04 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: NC

Complaint narrative:
I had a past due balance from an apartment Complex called XXXX XXXX which was sent to Hunter Warfield, a collection agency. I spoke with XXXX XXXX back in XX/XX/XXXX who said that my balance was {$570.00}, but was willing to settle for {$220.00}. I was unable to do that as I originally planned. I called the agency back today & spoke with XXXX XXXX who now says that my balance is {$580.00}. I asked why and he said that they charge interest and that they 've had the account since XX/XX/XXXX. When I .looked at paperwork from XXXX XXXX, my balance was {$520.00}.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NC

Complaint narrative:
I have an abusive, alcoholic husband. I met a man named XXXX XXXX on XXXX who began talking to me and promising to get me out of the situation. He requested money from me on numerous occasions to help with his project in XXXX, being an XXXX, and once requesting money to help with one of his sons that was in the hospital. I got away from my abusive husband with a promise from " XXXX '' that he would meet me at the XXXX, XXXX airport on Tuesday, XXXX XXXX around XXXX ; however, he then started messaging me to let me know he was told that he had exceeded his maximum withdrawals on his account and could not get money to purchase plane tickets for him and his XXXX sons. He said he was supposed to meet a man on XXXX that would loan him {$3700.00} to be able to purchase the tickets ; however, then he has begun asking me to send more money to him. He knows I will be getting a 401K withdrawal of {$4000.00} on XXXX and has requested I send him the {$3700.00} and when he arrives in the US he will give me that money back, plus the money I already sent him. I sent him a total of {$9100.00} since early XXXX, not realizing I had sent him that much money. He promised to get me away from my abusive situation, take me on a shopping spree, has purchased a car for me, and will take me to live with him in his mansion in XXXX. Having lived an abused life, all of this sounded amazing to me. I suggested to him that I would send him prepaid plane tickets because a friend said she would loan me the money, but he said he did n't want my friend 's money. He wanted mine. He claims he is anxious to get back to the US and be with me, but he did not take the offer of prepaid plane tickets. He wants the cash. The money grams I sent were not sent to a XXXX XXXX, but rather XXXX of them to a XXXX and the last to a XXXX. My friend found this character on a website : XXXX. He is continuing to message me and became upset with me when I told him my friend found out I had wired money to him. He said he thought the money was our secret.

Company response to consumer: Closed with explanation