vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
{$20000.00} theft at the closing table on XXXX XXXX on a home re-fi by XXXX/agent of XXXX, with an inflated appraisal of $ XXXX for a $ XXXX note, then GMAC took over and raised my payments from {$1800.00} to {$2700.00} BASED ON THE FALSE APPRAISAL. 
Filed lawsuit XXXX in the corrupt XXXX XXXX XXXX, they got a summary judgment XX/XX/XXXX, AFTER THE CFPB-OCWEN CONSENT ORDER in XXXX XXXX. I am still in my home as the note was paid off by XXXX, XXXX and my tender.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I received a credit card from Capital One for rebuilding credit last XX/XX/XXXX. I made every monthly payment either a larger payment than the minimum or just the minimum days before the due date. I 've had this card for 11 months and they reported my balance and payment history or so I 'm told. I recently applied for another card and was denied for no credit history. My credit score is a XXXX. I got this card to help my credit score it has not! either the credit card company is not reporting correctly or the reporting companies are not reporting correctly. Either way ... me the consumer is negatively and unfairly effected. The purpose of this card that I got 11 months ago was to help my credit score. This is not correct or fair to do to anyone let alone a single woman that was lied to by a large company just to make a dollar .I do not want to involve the press or a third party, but I will if I have to.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-23 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
Ocwen Loan Servicing modified my loan per my loan documentation mailed to me XXXX XXXX and then again XXXX XXXX. My new modficiation should be {$910.00}. But when I go online to pay, it states that my new payment amount is {$1200.00}. I have a signed loan modification agreement indicating that my loan should be {$910.00}. Also on my statement, XXXX statement indicates in the Important News section that my new amount for my XXXX XXXX payment is {$910.00} then I received another statement about 15 days later indicating in the IMportant News section of my statement that my new upcoming payment for XXXX XXXX is {$1200.00}. They added this information incorrectly and deceitfully but I have XXXX documents mailed indicating my new payment should be {$910.00}. When I call they are telling me it will be {$1200.00}. I have emailed and faxed in the document I received from XXXX XXXX in which she signed XXXX XXXX, 2015 authorizing my new modification agreement. I need my new payment amount to reflect {$910.00} in their system

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Ocwen Financial Corporation
State: CT

Complaint narrative:
Per request of CFPB on XXXX consumer is resending the Qualified Written Request to be answered by Ocwen. A qualified written request was sent to CFPB and received by them on XXXX and was not assigned a case number for Ocwen to respond to. Ocwen is in receipt of the attached QWR and should respond accordingly to CFPB. Consumer requests that the attached QWR be resent to Ocwen so that consumer may retain their right to dispute any documents submitted to CFPB by Ocwen.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MS

Complaint narrative:
On XX/XX/XXXX my Chapter XXXX Bankruptcy was discharged, and Ocwen was included in the Chapter XXXX. 
In XX/XX/XXXX I applied for a loan modification with Ocwen. 
In XX/XX/XXXX, I was approved for a XXXX loan. I as well as Ocwen signed the documents. 
Since the modification, Ocwen reported my payments to the XXXX main credit bureaus MONTHLY. Which helped build my credit. 
In XX/XX/XXXX, my credit score with XXXX was XXXX ( fair ). I got credit card offers and was approved for XXXX credit cards. 
In XX/XX/XXXX, Ocwen sent me a letter stating they had reported in error and contacted the XXXX main credit bureaus, and told them my account was closed, removed all of my on time payments, and now refuses to report my payments. 
in XX/XX/XXXX my XXXX credit score dropped to XXXX ( poor ). Now I have been denied an auto loan, and multiple credit cards. 
I would like Ocwen to report my payments, but since they cant, and ruined my credit. They should be fined.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
This has do to with the purchase of a " Short Sale '' Real Estate Contract. I submitted my offer to Ocwen Financial Corporation back in XXXX 2015. The offer was reviewed and left to sit for a few weeks. I was asked to come back with a higher offer towards the end of XXXX 2015 which I did on XXXX XXXX, 2015. I came up {$5000.00} on my original offer and they came back a week later, the Owner asking if I would pay the Attorney fees of {$2000.00} at the closing table I agreed to this. The Owner was good with this. I was told Ocwen would review and have an appraisal taken in the mean time. The Appraisal has not been taken as of today. I never received in writing these terms except for signing the document for the attorney 's fees. I have been told through the process I was the lead contract and XXXX back up contract. As of last weekend XXXX 2015 I received a notice stating that Ocwen was now going to take the property to Auction on XXXX. This was never told to the Listing Agent or Seller or to the Attorney and Mitigation Pros at the time of listing the property for sale. Ocwen has not been honest with their intentions of this property to anyone involved, they seem to have a hidden agenda in their favor. They are now asking the Seller to sign a release in order to take this step towards the Auction. They have a legitimate contract in front of them that they should address and follow through on. If I had known or it was disclosed legally like it should be according to the law I would never have submitted a Contract that was going to Auction especially on XXXX. They now want me to pay the Auction Fees of 5 % of the total purchase price and a standard {$290.00} plus closing fees if I win the auction. Between Mitigation Pros, the Attorney involved for the Seller, myself and the Seller we are absolutely livid with the ethics of Ocwen and taking such a direction. We all feel this is an illegal act with the lack of transparency on Ocwen 's part and should be addressed by your department. I know the other parties are going to submit a complaint also, it is from Mitigation Pros that I received your website link to express my frustrations. It is beyond belief that these kind of dishonest and unethical tactics continue after everything the American People have been through with the recession that the Financial Institutions were a large part of in the downturn. 
It is with great respect that I ask you to investigate this issue and make it right. It is for me and other Home Buyer 's wanting to be dealt with fairly and above board. It is expected of myself that I act honestly and with integrity and It should be for all involved.

Company response to consumer: Closed
Consumer complaint received 2015-06-28 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
See attached letter. This matter has not been resolved. They are now saying I owe them from XXXX/XXXX/2014 to present and added over {$6000.00} for escrow. They have changed my payment without cause. I do not understand this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Ideal Collection Services, Inc.
State: FL

Complaint narrative:
In XXXX mi exwife rented and aparment in XXXX and we got separated in XX/XX/XXXX, and witch my exwife to out the any right from the aparment, and we got divorced in XX/XX/XXXX, went she move the company never returned the dispoite {$2000.00} dollars she moved to XXXX and bought a house, now after 4 years without any conscta and disclosure of my rights they post in my credit files and collections,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-09-23 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Dear CFPB, First of all I want to report that a notice of default has been recorded by XXXX, XXXX at our XXXX XXXX County Recorders XXXX on my property located on XXXX XXXX XXXX XXXX, CA XXXX. Their is a projected sale date schedule for XXXX XXXX, XXXX have repeatedly sent several letters to dispute the alleged debt and validity of the recorded documents recorded at our XXXX XXXX County Recorders Office to OCWEN, XXXX AND XXXX XXXX. These XXXX ENTITIES HAVE FAILED TO VALIDATE, MUCH LESS VERIFY AND AUTHENTICATE THE ALLEGED DEBT. Moreover, these XXXX ENTITIES continue to violated my consumer protection rights pursuant Fair Debt Collections Practices Act ( FDCPA ) and Truth in Lending ( TILA ). See enclosed Notice of Default served to me by XXXX XXXX. 

These is a list of letters I have served these entities via certified mail and faxes ( Attached ) :1. XX/XX/2014 : Notice of Dispute and Demand for Verification letter certified mail served to Ocwen. 
2. XX/XX/XXXX : XXXX Disputing and challenging validity of recorded instruments and assignments at our XXXX XXXX County Recorders Office. 
3. XX/XX/XXXX : CALIFORNIA DEPARTMENT OF BUSINESS OVERSIGHT COMPLAINT against Ocwen and XXXX Bank. 
4. XX/XX/XXXX : Notice of Non-negotiable Non Transferable NOTICE OF DIPSUTE applicable to all successors and Assigns, served to OCWEN and AFFIDAVIT REQUEST TO OCWEN LOAN SERVICING , LLC VERIFYING AND VALIDATING ACCOUNT # XXXX, as a matter of law and equity. 

5. XX/XX/XXXX : Demand for Debt and Validation of Proof of Claim served to XXXX. 
6. XX/XX/XXXX : Cease and Desist and Notice of Invalid Instruments : Trustee in foreclosure liable for damages under California Homeowners Bill of Rights. Served to XXXX and Ocwen Loan Servicing , LLC . 

PLEASE NOTE that XXXX County Civil Grand Jury here in CALIFORNIA just released an audit conducted ( enclosed ) by XXXX XXXX " INTEGRITY OF LAND RECORDS IN XXXX COUNTY '' where it uncovered the same allegations that I have been alleging and also concurred with the violations addressed by California Homeowners Bill of Right. 

I 'm demanding that these XXXX ENTITIES, OCWEN, XXXX XXXX and XXXX XXXX to identified themselves, to validate and respond to the above requests along with AFFIDAVIT of AUTHORITY TO CARRY OUT A NON-JUDICICAL FORECLOSURE. All I 'm demanding is just fair treatment according to my consumer protection rights under FDCPA and TILA so I can work out an amicable resolution with the legal and lawful authorized entity. 
I can be reached at ( XXXX ) XXXX. 

respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
EXPERIAN IS SENDING ME A PIECE OF PAPER TO VIEW THE CREDIT ONLINE ... I HAVE NO WAY TO DOWNLOAD THAT REPORT IN PDF. EXPERIAN ONLY ALLOW A FEW TIMES TO VIEW BEFORE EXPIRY. 
I HAVE NOT RECIVED POST INVESTIGATION CREDIT REPORT IN PAPER FORMAT AS OF THIS DAY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
late charges have been applied and there is no supporting documents, I have been trying to resolve this for a long time and have not been able to do so. I have been in good standing and have never been late on payment, I opened a mortgage with GMAC XXXX XXXX, 2004 and it was sold to Ocwen. now my monthly statements are not correct I have called many times and can not get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I contacted Ocwen Loan Servicing, XX/XX/2017. The representative told me the system will not allow Ocwen representatives access the pretender lender loan servicers account, and that Ocwen litigation lawyers are the only ones who have access, and the XXXX lawyers will contact me within 24 hours, between XXXX and XXXX, XX/XX/2017. I can not believe all the years of Ocwen Loan Servicing getting away w/ harassing me, committing fraud against me, playing games with me, using its cozy relationship w/ XXXX, using fraudulent trustee sales as a weapon leaving me with no choice other then to sign a increased none negotiable pretender lender loan servicer loan modification to save my home from XXXX fraudulent trustee sale. I do not owe Ocwen Loan Servicing XXXX a single penny, Ocwen owes me a refund for paying on fraudulent loan modifications to avoid fraudulent trustee sales during the time I was XXXX with XXXX. Ocwen needs to reimburse me XXXX of dollars for incompetent lawyers fees. My health has greatly improved and now Ocwen and its XXXX lawyers must be brought to justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: HW Holding, Inc
State: GA

Complaint narrative:
I informed the company that I was recording the phone call and I requested that they can not call me. They called me the very next day. I spoke with the same person and he told me he wont call again. I called in to try to talk to a manager named XXXX and he would not listen to me and hung up on me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-11 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Centron Services
State: MT

Complaint narrative:
I have received a judgment against me for multiple accounts in collections from medical bills from a non profit hospital over the course of 5 years. At the times several of these services were provided, I had received a statement of financial charity from the non profit hospital releasing me from financial obligation for these services. These accounts are not only listed on this judgment but on my credit reports as well. In addition to the accounts that were forgiven, there are other accounts listed both on the judgment and on my credit reports for accounts that have been paid on, with receipts I still have showing the accounts have been paid. On XX/XX/XXXX, I received my paycheck from my employer and discovered a wage garnishment. I had no prior knowledge of this garnishment, or who to contact regarding any type of exemption or garnishment adjustment. I am the sole provider of my family and currently have an arrangement with another collection agency regarding a debt incurred by my husband. Between the surprise garnishment and the payment plan I had previously entered, my total wages taken from each month equal my rent and almost half of my income. This has created a significant hardship for my family and I do not have any contact information for the creditor who has taken legal action against me from a non profit hospital in the attempt that I could make an arrangement that would not force me to levy my other bills and obligations in order to satisfy one I have already paid and other debts that had previously been forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
In XXXX 2015, I applied for a short sale with Ocwen by submitting a Request for Mortgage Assistance and filing a hardship affidavit. In XX/XX/XXXX, I was approved and put on Ocwen 's " Assisted Short Sale '' program in which they listed my house on an auction site ( XXXX ). They set the reserve price and it was met and a buyer was secured XX/XX/XXXX. Since then, Ocwen has repeatedly asked me and my realtor for paperwork and the same information on multiple occasions. It seems that they wait until right before the closing date to decide they want more paperwork so as to delay approval. My realtor and I keep sending them what they request, but we keep having to move out the closing date. When I filed my hardship affidavit in XX/XX/XXXX, I stated that I would probably be out of funds to be able to pay for the mortgage by XX/XX/XXXX/XX/XX/2015. I struggled to keep paying until XX/XX/XXXX, but now have had to miss two payments because of the bank 's delay in approving my short sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: UMPQUA HOLDINGS CORPORATION
State: WA

Complaint narrative:
We have been having ongoing issues with the deposit of funds and balance of our mortgage account. In XXXX our mortgage account was credited over {$5000.00} with consent, or contact made to us by the bank before hand. I then had to argue with the bank for a while til about {$1500.00} of it was taken off, through about 6 phone calls each time saying there was n't an error. I had to provide proof of over {$5000.00} of deposit, because they were not keeping an accurate record. Previous to this change we had opened an account with the bank for checking in order to directly make payments to our mortgage with a easily accessible paper trial of deposits. However we were not able to transfer money between the XXXX for over 5 months resulting in cash deposits. I went through a XXXX and decided the few thousand dollars was n't worth the stress at the time. However this month we made another {$3000.00} deposit, which did not get credited to our account until over a week after it was made, after a phone call from the mortgage office asking what it was for that was a little over a week ago. Now our mortgage account is n't even available online. I am really tired of being taken advantage of, and worrying that our hard earned money is being stolen and misplaced by the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
CFPB case number : XXXX XXXX, XXXX, XXXX, XXXX - XXXX - XXXX, XXXX, XXXX, XXXX, XXXX. CFPB is not allowing me to dispute response from XXXX XXXX with Ocwen Loan Servicing, Consumer Account Analyst, Office of the Consumer Ombudsman letter dated XXXX XXXX, XXXX. Ocwen is using XXXX XXXX to blow smoke circles for them while they hide behind there computers covering up the facts and the truth again only to level attempts to cover up Ocwen continuous fraud against me and several other victims. Ocwen scums may think its going to work but as always it will always caches up with them. Ocwen Loan Servicing use Homeward Residential as a tool to use fraud upon the court, using forged fabricated documents and robo-witnesses to seek fraudulent judgment, then later the cool XXXX thought it would n't come back to bite them, boy it will bite like XXXX. Ocwen scums say they were not involved in the XXXX XXXX Bank vs XXXX XXXX case but they know XXXX well that was the secret tactic plan they used and thought they get away with it. I am glad Ocwen is responding to my consumer complaints with all lies. New evidence will bring you down. I will be filing a new XXXX lawsuit, If Ocwen is able to pull off another fast XXXX against using forged fabricated documents I will never stop until my matter reaches the XXXX court and be given my right to a fair jury trial. Recently, I found out who the individuals working for Ocwen who have committed so much fraud against me and my family. I know who you are and now its time to sue you. I 'm glad Ocwen was able to recently settle CFPB investigation into Ocwen 's servicing practices. ; ) I would like to have the right to dispute Ocwen Loan Servicing 's robo-worker responses. Please provide XXXX with your findings, they have not received a response from you. ; )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
We recently received a certified letter from our mortgage holder Ocwen Loan Servicing stating that my mortgage is in default due to a missed payment. Moreover, due to this phantom missed payment, they have been charging me for the certified letters and also adding in fees marked " other '' on a monthly basis ; I do n't not have any idea why or what these fees are. I have every statement available starting from XXXX 2013 ( this is as far back as Ocwen 's payment system goes ) and have not missed one payment. In fact, I am generally a couple of weeks early with my payment and always send extra. We sent a letter with all of our statements to Ocwen stating that we have not missed a payment and to please correct their error. They continued with their stance that we are a payment behind but can not show us proof of a missed payment. I called and spoke to them over the phone to find out when exactly did I miss a payment and their response was " I do n't know, you tell me ''. Based on what I can see, somehow they made a mistake and are posting my payments that are a couple of weeks early to the previous month and saying it is a couple of weeks late. Complicating the matter is that they do not provide any statements or payment books. I 've wasted countless hours on the phone with them and they have repeatedly told me to disregard the certified letter, yet my account is being listed in default. I 've read numerous complaints online about this mortgage company and truly feel like they are trying to take advantage of me and lots of other people for that matter. It 's " XXXX vs. XXXX '' and without help, I am going to be forced to make an extra payment that does not exist because I ca n't fight a mortgage giant on my own.

Company response to consumer: Closed with explanation