vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-07 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
My husband and I were relocated for his work. I had tried to sell our home several times but the town it is located in has become very rundown and values have plunged. We decided to rent it out, which worked for a few years but we were still having to pay in to make the mortgage payments. Finally we decided we could no longer try to keep this house, and we live across the country so I submitted the paperwork for a DIL. After 3 months, we were denied, at first Ocwen said it was because we had not missed any payments - which we had, then the story changed when I contacted Ocwen 's XXXX. I was told they reviewed the file and that it was concluded we made enough to pay the mortgage. They based this on a XXXX monthly gross income and a XXXX monthly debt..I requested they send me the guidelines that stated this was a sufficient DTI to live on. After reviewing the numbers we sent in, I noticed my husband actually forgot to include some of our debt.. so now I have to resubmit again, which I have no problem with, but I do not feel that was a legitimate reason for denial, as a family of XXXX can not make it on the numbers we were denied on. Ocwen did this before when I applied for modification of the loan back in 2010, every 3 months they were telling us we needed to resubmit information- that went on for a year before I was able to get the ombudsman to intervene. This time around though, I do not feel the ombudsman is working to help me, the consumer, at all. This is a cat and mouse game to see if they can wear you down. I would rather have a DIL than a foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
I have a mortgage with OCWEN mortgage company whom I believe changed their names a number of times : Option One ... and other names. However, About 5 years ago I modified my mortgage with them and they claimed I would get a lower interest rate that would start at 2percent and gradually increase to 5 percent. They said nothing about a balloon payment of XXXX, ooo due at balance of loan. This was deception, greed and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
Today is XXXX, XXXX, 2015, no payment has been made for over eight years on a mortgage for a home that I legally own. The Statue Of Limitations in MA is XXXX years to collect any kind of debt. The original mortgage was with XXXX XXXX Mortgage and XXXX Mortgage, XXXX Mortgage forgave the debt and discharged it at the registry of deeds, XXXX XXXX Mortgage sold the debt and has been selling it and moving it around to all different banks, a lien was placed at the registry of deeds by US Bank NA, In the mist of all this my identity could possibly be at risk for identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
OCWEN Loan Servicing LLC is at it again. 

I 've already had to file a complaint on them for changing our mortgage payment without notice XXXX XXXX 2013? XXXX. They complied and changed our payment to XXXX reflective of our loan terms and APR. 

Now they are attempting to do so again. They 've sent a document stating that our APR is the same, but our payment has increased by 243 %. How can this be?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: HW Holding, Inc
State: FL

Complaint narrative:
HUNTER WARFIELD has placed an unauthorized derogatory, harmful, and damaging account/item on my Consumer report. 15 USC 1692c ( a ). HUNTER WARFIELD has violated my federally protected consumer rights without causing injury, harm, and damages to my pursuit of happiness and right to utilize consumer credit. 

I have included an attachment requesting HUNTER WARFIELD to respond point by point with verifiable facts and authenticated documentation validating that I owe them any alleged debt. 15 USC 1692g ( a, b : " until debt collector obtains verification of the debt '' ). Failure to do so will result in Civil Penalties according to Consumer Protection Laws and other laws that may apply. 

HUNTER WARFIELD has no proof of claim with verified, validated authenticated documentation. HUNTER WARFIELD has violated the FDCPA 1692 and is Civilly Liable according to 813 Civil Liability [ 15 USC 1692k ] and other consumer protection laws. 

HUNTER WARFIELD has placed this alleged account on my credit report to intentionally cause harm to my pursuit of happiness by affecting my Consumer transactions for personal, family and household purposes.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
Litton Loan Srrving collected morgage payments from me from XX/XX/XXXX TO XX/XX/XXXX WITH NO LEGAL RIGHT TO COLLECT AS RECORDED IN THE XXXX distric court XXXX XXXX XXXXRecording right to collect is mandated by Federal as Well as State Law Under XXXX XXXX LawwLittion Loan Servicng had 90 days to do this XX/XX/XXXX and failed to do so.. Under these Laws Litton Loan Servicing lost the right to collect. also Littiin Loan servicing has commited multiple. fradulent avts with this loan as documented by me with over a XXXX documents. How can Littin Lian servicing transfer anything after commiting fraud and not registering.plus Argent was not aloud to transfer this morgage under XXXX county court XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK
State: IL

Complaint narrative:
I applied for a checking account with Discover - twice now - and XXXX times the application was denied. During repeated telephone conversations Discover insists that A ) The decision to deny my application was made XXXX, not merely based on information furnished XXXX but ultimately made by Discover, B ) there is no way to manually review the application and grant an exception ... that it 's a system controlled process that is completely automated with no manual review possible and C ) It is not possible to provide a list of SPECIFIC reasons why the application was denied. I have been a Discover customer for many years now and this utter lack of concern and the pitiful customer service is very disheartening. Furthermore, on the more recent try, there is no record of a XXXX inquiry so the assertion that the decision was based on that is an outright lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-19 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Ocwen Loan Servicing LLC as servicer for XXXX XXXX XXXX XXXX have filed a civil case against us in XX/XX/XXXX in XXXX XXXX County case # XXXX which lists XXXX XXXX XXXX XXXX XXXX as Trustee under Pooling and Servicing Agreement dated as of XX/XX/XXXX XXXX XXXX XXXX XXXX, despite the facts that we, XXXX XXXX and XXXX XXXX were not in default when the summons was filed. We were current and have proof of said payments. 
Are you aware that the plaintiff in this case is XXXX XXXX XXXX XXXX and is in default of its obligations under applicable Federal and State laws? The servicing agents are not the real parties in interest. XXXX XXXX XXXX XXXX lacks the authority to proceed but have intentionally and fraudulently filed papers and posted notices as though the authority was present.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: HW Holding, Inc
State: TX

Complaint narrative:
I 've sent multiple letters to this agency about this not being my account. After being advised by XXXX I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. 
I am a victim of identity theft and noticed a collection from Hunter Warfield. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Hunter Warfield in regards to this matter. The FTC also instructed me to complete a id theft affidavit through XXXX. Attached is my document. Thank you

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-26 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Revenue Recovery Corporation
State: KY

Complaint narrative:
Since XXXX XXXX, 2013, Revenue Recovery Corporation ( " RRC '' ) has been using my social security number and date of birth to report to the credit bureaus that I owe a debt that I do not owe to Jewish Hospital. I had notified RRC several of times that I was not a patient at XXXX Hospital in XXXX both verbally and in writing. I have had to clear off my credit reports at least two to three times because of RRC reporting false information. XXXX Hospital has not responded to their inquire each attempt because I do not owe XXXX Hospital in 2013.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: DC

Complaint narrative:
To Whom It May Concern! 

An alarming issue should be brought to your attention at once. Ocwen was ordered to provide XXXX in relief to homeowners upon investigation by the Consumer Financial Protection Bureau for a host of complaints, including robo-signing affidavits and other documents. 
Attached is an affidavit sent from Ocwen to me the " borrower '' that Ocwen robo-signed ( page XXXX ) my birthdate, incorrectly of course, ( it is Ocwen ) followed by Ocwen representatives informing me by phone on multiple occasions that it was instead " I '' who submitted a affidavit with the incorrect birthdate!? Thereby once again, as they have done since XX/XX/XXXX, deny me the opportunity to secure a home modification at market value and remove the debt, interest and penalty associated with this loan. Once again, this affidavit is robosigned ( page XXXX in which my social security number and XXXX incorrect birthdate ( s ) are robosigned! ) This document was sent from Ocwen to me on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Our mortgage was bought by Ocwen during bankruptcy. As time went by we finished our bankruptcy and had court orders stating that we are to pay a certain amount and that all past delinquent payments were considered paid in full. Ocwens attorney agreed to this order signed by the judge. We have made the required payments on time every month and most often paid more. We have bank statements verifying all monthly payments were on time. Ocwen is now sending letters saying they are missing payments, and are adding late charges to our account. I have tried talking with them over the phone but can not get anywhere with them. Each time I call I get different answers. They are now sending people out to take pictures of my house. I can only assume in preparations of foreclosure. I am not late on any payments and can prove it. My lawyer has instructed me to send a certified letter to the Ocwen attorney that represented them in my bankruptcy hearing. I have done this but have yet to hear from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
Ocwen created a new mortgage with loan number XXXX which I have refused to pay since its inception in XXXX.  I have never paid one payment on loan XXXX and I filed complaint number XXXX with this office which is currently under review.  Since Ocwen filed its response to complaint XXXX they modified loan number XXXX without a request from me and without any acceptance of the modification.  I became aware of the modification when I logged on line to Ocwen.com and looked at the mortgage account statement.  The statement shows that I have already missed one trial modification payment in the amount of XXXX and have a current payment due in the amount of XXXX that is due now.  Ocwen did not mail this statement to me, they did not mail modification papers to me to sign etc.

Company response to consumer: Closed
Consumer complaint received 2016-03-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
We have an Adjustable Rate Mortgage that is being serviced by Ocwen Loan Servicing LLC . XXXX 2015 was a scheduled Change Date for our loan interest rate. It was also the first month when we have started repaying our Principal amount. The original principal payout schedule was included as a part of our signed Mortgage agreement and detailed in the attached Amortization Schedule. The Principal payout was supposed to start from {$1000.00} and gradually increase every month thereafter. However, the statement that we have received from Ocwen requested different monthly Principal payments starting {$1500.00}, about {$500.00} more compare to what was originally signed. Since XX/XX/XXXX any attempts to resolve this issue with Ocwen were unsuccessful, despite escalating it to account supervisors and management team. All request to correct Principal payout schedule resulted in Ocwen responding with an explanation of how Interest is being calculated on ARM mortgage. As a part of Adjustable Rate Mortgage, we have accepted the risk that monthly interest rate may change, but we have never agreed that principal payout amounts can be changed arbitrarily. To avoid any late fees or credit report issues we have paid amounts requested by Ocwen and stayed current with our loan, however we have not budgeted for such significant Principal increase in monthly payments, and asking for your help to resolve this issue and return to Principal payout schedule included in originally signed Mortgage agreement. We appreciate your help in this matter. 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I have a second loan with Ocwen who referred my loan to a debt collector XXXX XXXX. I had been trying to do a short sale on my home because I can not afford to keep it and since the first loan is getting a complete pay off the representative from XXXX will NOT release my debt unless they too get paid in full. Ocwen has refused to talk to me and they keep on referring me back to XXXX. I have asked XXXX to show me proof of debt with them BUT they just keep on giving me the run around. Please help me move forward with the sale of a home that I can not keep and I do not want it to go into foreclosure. Ocwen # XXXX per XXXX customer service because OCWEN will NOT talk to me, XXXX ref. I.D # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I have been reported to credit bureaus by OCWEN Loan Services LLC for being late ( over 30 days ) .. I immediately contacted OCWEN last year after seeing that they had reported my XXXX 2015 payment had been reported as more than 30 days late. They promised me they would correct this. It is still there! I have verified with XXXX XXXX XXXX that the mortgage payment was paid electronically one day later. This is within the period ( before XXXX XXXX ) that payment was to arrive to be considered ontime.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-30 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: First Associates Loan Servicing LLC
State: CA

Complaint narrative:
Attended XXXX. Was basically told on my last year of school that i had exhausted my Federal Loans, and the only way to continue school would be to pay out of pocket ( which I could not do ) or receive one of their Peaks Private student Loans. At the time i believed that this was for the remaining {$12000.00} of my tuition. 

This loan was filled out in my name for now over {$25000.00} with an absolutely outrageous interest rate. I feel like I am now stuck between a rock and a hard place. They want over {$400.00} a month from a fresh graduate. On top of having to keep current with my Federal Loans. 

I will basically have this loan until the day I die due to the fact that paying into it i still owe more than I did when i even started paying! 

I feel I am the victim of predatory lending and there is no way financially for me to even remotely pay this loan back at the interest rate they provided. % 16 interest. There is NO way i can pay this. 

Ive tried working with them to lower my rate and get a refinance. They will not budge due to my credit score, which is only getting worse due to THEM. 

This is going to affect my young daughters and my life forever and i dont know what to do.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
I have an FHA loan with escrows. The loan servicing company failed to pay our homeowner 's insurance premium on time last year and our homeowner 's insurance policy was cancelled due to non-payment and I had to pay the premium out of my checking account directly to the insurance company to have the policy reinstated and this year they did not pay the flood insurance policy on time and I have had to do the same thing.

Company response to consumer: Closed
Consumer complaint received 2015-10-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
My mortgage with Ocwen they took over GMAC a few years ago. Last yr they failed to pay my Home Insurance on time so I set up a payment plan with my insurance, then cancelled my Escrow with Ocwen since they could not pay in a timely manner. They then paid my insurance 4 months late. It caused me to have an escrow shortage and raise my house payment a year later. They did it again XXXX after I clearly have cancelled my escrow. So now I have an inflated escrow shortage and house payment. They have paid my insurance 2 times without my permission after I cancelled my escrow and have pmt plans set up with my insurance. I have started the process of getting a home equity line of credit to get my mortgage out from under them and they now are impeding that process by inflating my escrow. This company needs to be shut down. It ca n't be legal to pay insurance when I have cancelled my escrow then add it to my house payment?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I was subjected to a fraudulent closing on a bank note with XXXX XXXXon XXXX XXXX. AFTER XXXX GMAC and XXXX XXXX all got involved. 
I filed TILA lawsuit XXXX in Fl. XXXX Circuit, and GMAC XXXX XXXX filed case XXXX, and OCWEN later allegedly tried to purchase mortgage servicing rights, but was stopped by Consent Orders with the US Treasury, Federal Reserve, and your office. 
All the issues that created your office came from me and others like me with XXXX XXXX complaints.Today I was subjected to an illegal judgment to sell my home, AFTER these consent Orders, especially on XXXX XXXX. So I want you to intervene with an XXXX XXXX by your attorney or stop them from the proposed XXXX XXXX sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
XXXX sold my loan to Ocwen Loan Services , LLC and ever since they have had my loan I have nothing but issues. I do n't get monthly statements, I ca n't understand my customer service rep., I never get a call back if I leave a message, I have to call back multiple times if I requested documentation, the IRS forgave {$50000.00} off of my mortgage and I found out 3 months later from this company.

Company response to consumer: Closed with explanation