vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-15 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: First Associates Loan Servicing LLC
State: KY

Complaint narrative:
Peaks private loans, I have never received any written correspondence from them ever. I was forced into this private loan through XXXX XXXX. The only way to see a balance is from their grossly outdated website and charge extra for any little thing. I will not allow this company to ever have access to my bank account in the form of an auto payment. Avoid Avoid Avoid!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
It is with great regret and frustration that I write to you requesting help.I must begin to tell you that I am a victim of serious health problems and predatory lending, I shall attempt to describe the circumstances which occur and were beyond my control. I was enticed into a loan by a company called XXXX. I signed a negative amortization loan. A couple years later I owed more than the house was worth. It was also and is today a 9.99 % loan. 
I was unable to sustained my monthly payment. I became extremely ill in XXXX with a XXXX condition. I had XXXX. This a XXXX. I was no longer able to XXXX at my XXXX office a full XXXX hours. 
Due to my XXXX condition, I was required to XXXX. In XXXX XXXX I had XXXX. I had physical limitations due to XXXX. 
My work load was reduced I began to default on my mortgage. I attempted to resolve my delinquency to no success I am recuperating and working now and I am asking for another chance. I am regaining stability. I want to keep my home. The bank does not want to hear or see that these were circumstances beyond my control. I am asking for another chance. 
Please review and advice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
This complaint is a continuation of complaints filed over the last 3 years against Ocwen Loan Servicing LLC, and assigners.Please see the history of this complaint to supplement this complaint. 

In XXXX of XXXX, I entered into a modification agreement with Ocwen Loan Servicing , LLC, to modify my monthly loan payments. The result was my mortgage payment was adjusted to {$690.00}, per month. Upon completing the ( XXXX ) trial mortgage payments in XXXX of XXXX, the modification became permanent. However, the very next month, XXXX of XXXX, Ocwen breached the agreement, by increasing the payment. The month after that, XXXX of XXXX, the payment was increased again. The documentation of the modification and increases in payments are stored in the history of my complaint file. ( Please refer to those documents for proof. ) Since the initial breach, the Consumer Financial Protection Bureau ( CFPB ), et al, has won a court order against several mortgage companies, including Ocwen, that mandates these companies are to, among other things, provide modifications that will lower monthly mortgage payments so that consumers can afford to maintain ownership of their homes. Ocwen has been in constant breach of that " court-order '' as well. 

Today, I am still suffering from the many breaches that Ocwen continues to perpetrate against me, and it has caused me mental anguish ( intentional infliction of emotional distress ), and financial devastation. As of this writing, I have applied for another modification to lower my {$810.00} mortgage payment to a lower amount that would be affordable for a XXXX ( which I am ) person, managing on a XXXX benefit below {$1400.00} per month. However, instead of lowering the payment by : a. reducing the principal, b. approving a HAMP loan under the Making Homes Affordable Program, or c. extending the term by a sufficient amount of years to lower the payment, Ocwen has increased the payment by XXXX dollars ( {$9.00} and change. Please see attached. ) It is clear that Ocwen could have extended the term more, or it would not have extended it the XXXX ( XXXX ) year that it did. This shows a callous disregard for the court-order ( of XXXX ), et al, and me as a consumer, specifically. It 's also a violation of the Truth in Lending Laws:15 U.S.C. 1601-1667f, as amended, et al. 
The result of Ocwen 's reckless disregard for the court, CFPB, and its consumers, is more suffering and distress for me. Therefore, I demand that the CFPB enforce the court order that it won to force these predatory lenders to act responsibly and modify mortgages in such a way that helps, not hurts, their customers!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
My wife and I sold our house in XXXX. We had a mortgage with Ocwen Bank and it was serviced by Ocwen Loan Servicing LLC . The loan was paid in full and we never made a late payment on that or any other account. Our credit has always been perfect. Recently, we applied for a credit card and were notified that our credit score was in the low to mid XXXX range so we had to pay an interest rate higher than their best rate. This prompted me to pull my credit on XXXX and I was shocked to see a 30 day mortgage late reported by Ocwen in XXXX. We closed on our home in XXXX. I called Ocwen Loan servicing and they said that our account was paid in full and there were no lates. I then called XXXX, XXXX, and XXXX and all XXXX said that when Ocwen contacted them to say the loan was paid in full, they reported a 30 day late. I called Ocwen back and they said that the problem is resolved because they are not reporting a late. I then called all of the bureaus again and asked if the 30 day late has been removed and they said no. Ocwen Loan Servicing has been giving me the run around for a week now and the last I heard, it may take 30 days or longer to clear this up. I need Ocwen to contact these credit bureaus and tell them that this account was not late in XXXX or ever. Please help. I am in the process of applying for a job and do not want them to see a recent mortgage late on my credit report. Waiting 30 days or longer is unacceptable! Please hold these people accountable for their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Ocwen took over my loan from XXXX. It has been nothing but a nightmare since. Ocwen stated that I did not pay my property taxes, so I paid them the deficiency that I owed. After this this ( XX/XX/XXXX ) they have continued to add fees without explanation. The long story short is that each month Ocwen creates new fees out of nowhere. When I try to call to discuss and get an explanation for the fees, I get transferred to a specific guy in XXXX. He will not listen to anything that I have to say. He just repeats himself over and over again or continues to change his story. This has been going on since XX/XX/XXXX. Can you advise what I can do for help? Note : the customer service department had originally fixed everything. Then the research department ( out of XXXX ) reverted everything back the mess it started as. For several months I received several different statements montlly none of which matched. Upon more complaints, they stopped the correct versions of the statements. I finally stopped calling them after a year 's time and looking on line for help. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NM

Complaint narrative:
The issue is related to my escrow account which is held and managed by my Mortgage company ; Ocwen Loan Servicing LLC . What started everything off is the lender paid my Flood Insurance Policy and sent a check for {$660.00} on XXXX XXXX, XXXX after the due date in XXXX of XXXX to renew the policy. As a result, the insurer canceled the policy because of non-payment by the due date. Because of this, I was forced to request a new Flood Insurance policy. The new policy cost {$100.00} more than the original policy as there was a rate increase that took place after the renewal due date of my original policy. I had a conversation about all this with the Mortgage company and told them they were responsible for the premium increase for this next year renewal. They agreed with me after a long conversation with them that it was their fault the policy had been canceled. 
My producer sent the new policy to Ocwen, the cost for the new policy is {$760.00}. Ocwen then sent out another check on XXXX XXXX, XXXX for the difference in the XXXX policies instead of issuing a whole new check for the full amount of the new policy. The insurer rejected this check because it was a partial payment and not the full payment. They only accept full payment for this type of insurance policy. This check was sent back to Ocwen. 
Ocwen then sent out another {$100.00} check out of my Escrow account on XXXX XXXX, XXXX. This check was never received by the insurer. 
Finally, on XXXX XXXX, XXXX Ocwen sent out a check for {$760.00} to the insurer for full payment of the new flood insurance policy. 
To date my escrow account has only been credited with XXXX of XXXX {$100.00} credits. A check for {$660.00} was issued by the producer to Ocwen. They cashed the check on XXXX XXXX, XXXX. To date this amount has not been credited back to my Escrow Account. 
So at this point Ocwen owes my Escrow account {$100.00} + {$100.00} + {$660.00} for a total credit of {$870.00}. On XXXX XXXX, XXXX Ocwen sent me an Escrow Account Analysis and disclosure statement. This is not the first time they have made a mess out of my escrow account or messed up a payment on my flood insurance. I am fed up with them, their customer service is horrible. I need some help to find relief before they increase my mortgage payment due to my escrow account being short {$870.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Citibank Promotional Accounts Citibank provides credit cards for Sears, Home Depot probably many others. The Credit cards issued by Citibank can be store cards, that can be used only at the merchant only or a XXXX or XXXX that can be used everywhere. As part of the credit services, promotional accounts, i.e., " same as cash accounts '' is also provided. 
My understanding is that if a consumer has a promotional account and other charges on the credit card, consumer payments in excess of the minimum payment must be applied to the promotional balance first until it is paid off according to Federal Regulations. Citibank does not apply the excess amount to promotional accounts. Instead, Citibank uses some type of a hierarchy. 
If you cal them, they will tell you that the consumer can request the excess of minimum payment to apply to the promotional balance. 
Unless the consumer is aware, the consumer is going to get slapped with the high interest accrued towards the promotional balance. 
Citibank does not to disclose the consumer how they apply the excess of the minimum payment. 
In my case, I would have incurred an addition {$600.00} all the while I was making payments in excess of the minimum to pay off my promotional balance. When I called the Customer Service today XXXX XXXX/XXXX/17 XXXX, the representative told me about the convoluted hierarchy, which I do not understand. When I informed them that they are in violation of the Federal Law regarding credit card payment, the representative retroactively allocated my excess payments to the promotional balance and my promotional balance is paid off.

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 2015-12-01 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
The loan on my townhome was taken out in XXXX and serviced by XXXX XXXX. In XXXX this loan was sold to Ocwen whom now services the loan. I have never during the life of this loan made any late payments, however, today XXXX/XXXX/XXXX I received a letter from Ocwen date XXXX/XXXX/XXXX with the following " Initial Due Diligence Letter California XXXX XXXX XXXX '' that indicates they are required by California Law to send me this notice before initiating any possible foreclosure proceedings. This is an official notice that, according to our records, your mortgage is currently past due ... .blah blah blah ... the payment was posted with Ocwen XXXX XXXX/XXXX/XXXX which has been verified by XXXX of their servicing agents. I continue to less and less satisfied each month because of the aggressive nature towards me and the serving of this loan, again which I have NEVER missed nor made a late payment on. Additionally, Ocwen has denied me a refinance with them for a 30 year fixed conventional mortgage where I have not asked to be consider for the HARP and have the balance reduced I only have requested a refinance of the current balance into a 30 year fixed conventional mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
XXXX has fraudulently continued to service a mortgage loan and they were supposed to cease all mortgage activity in XXXX XXXX, but XXXX XXXX my title was changed out of my name into XXXX and XXXX without my knowledge and on XXXX/XXXX/XXXX the title was vacated and was supposed to be changed back in my name and it is still not in my name name. I should have my home free and clear and my title free and clear.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HW Holding, Inc
State: NV

Complaint narrative:
Sometime in XX/XX/XXXX or XX/XX/XXXX I rented an apartment for my Uncle XXXX. After 2 months the apartment was broken into through the sliding glass doors. After only another 30 days XXXX 3 months into the rental agreement XXXX the apartment was broken into again and this time the XXXX busted in through the front door. After speaking with the police and the property manager, the property manager agreed to release me from the lease without any penalty and I signed a paper stating this fact and went about my business. I recently discovered an account for over {$4000.00} on my credit report for this. After contacting XXXX about this directly they told me that I had not paid the bill due to my having child support issues. Well, I have no children and no child support, so I am not sure if they have the wrong person or what is going on with this account. However, I know that I do not owe a bill to XXXX or any collection agency collecting on behalf of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-03 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: LA

Complaint narrative:
This is my 3rd and hopefully my last Complaint. 
If OCWEN really wanted to help me, they would give me the time to get to a closing and not put the property on foreclosure sale only days prior to me concluding a deal and going to closing. 
Every time I get to a point of potential closing, I am thrown under the bus and put back for foreclosure. Now XXXX/XXXX/XXXX - 4 days before XXXX. 
I can not close by XXXX/XXXX/XXXX because in qualifying for a Reverse Mortgage I had to get married, Correct my credit, pay back Taxes and Provide additional income to prove I could pay for Taxes & insurance on or before time so as not to cause another foreclosure. 
I have sufficiently done so, but my Partner of 25+ years works as an XXXX jobs had to submit XXXX & XXXX Taxes although no Taxes were due because actual income was below Taxable amount for XXXX & XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: KY

Complaint narrative:
I am having a problem with Ocwen Mortgage Company of which my loan is managed. I applied for the ability to pay my own escrow per their instructions officially sent to me in the mail. I was denied. The XXXX points in their requirements to allow me to do this was:1. You have been current on your mortgage payments for the past 12 months. 
2. Your loan does not have a negative escrow balance or any other outstanding delinquencies. 
3. You do not have a tax or insurance payment due in the next 45 days. 
4. You do not have a force placed insurance policy. 
5. Your loan has not been modified within the last 12 months to include escrow. 
They also said that additional exclusions may apply, but Ocwen only knows those exclusions. 

After meeting all these requirements, Ocwen told me I had to have a loan ratio of less than 75 % of my loan remaining to qualify for escrow payments on my own. In other words I still owe more than 90.52 % of the outstanding balance on my loan and I can not be allowed to pay my own escrow. 

Another problem I have is Ocwen adjusts my escrow upwards every year even though I have an escrow balance at the start of 2015 of over {$1000.00}. 

Is this legal? Can they just nickel and dime me every year just for XXXX even though I live in a small town outside of XXXX XXXX, Kentucky. The city, XXXX XXXX, KY is not that big a city to have the taxes and homeowner 's insurance adjusted every year.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06 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 company has been continually and consistently been making harassing phone calls to me. this has been going on for 11 months, starting on the XXXX of each month and going to the XXXX. some days they call as many as 5 times, starting at XXXX and going to XXXX despite repeated and written notice to stop ( not to mention a perfect payment record ), these calls keep coming and i believe are a personal vendetta.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
In XX/XX/XXXX we applied for and after 9 months received a modification of our Flex rate mortgage with Indy Mac Bank. The interest rate for our modified mortgage was 2.625 % fixed for the first 4 years and would lock in at the going rate at that time. The going rate was still low after 4 years so our rate stayed at 2.625 %. For the XXXX year or so our modified mortgage was held by XXXX, after that Ocwen Loan Servicing LLC XXXX XXXX XXXX XXXX XXXX XXXX Fl. XXXX now Ocwen informed us that they will be increasing our interest rate by XXXX point starting this XXXX and again each XXXX for the next 3 years. I contacted Ocwen and asked them for the proof in our mortgage documents that allows this XXXX point increase in our mortgage, but all they could provide was the documents from our original Indy Mac loan which includes an unsigned sheet we have never seen before. I than asked for an Amortization schedule showing this " required '' interest rate increase, but the Amortization Schedule they sent shows no increase in interest rate. In fact the Amortization Schedule they sent shows our interest rate remaining 2.625 % through the last payment in XX/XX/XXXX. Please make Ocwen follow our modification and keep our interest rate at 2.625 % till the end of our mortgage. A XXXX point increase could very well price us out of our home, and was never part of our modification agreement. Thank you. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
We were approved for a modification. We made the payments on time. Ocwen lost the signed documents and then Denied the modification due to " missing '' documents. They sent us a letter saying that if we made XXXX payments of {$500.00} plus dollars they would take a look at the modification for reinstatement. Less than XXXX weeks later we mailed them XXXX payments of requested amount for a Sum of {$2700.00} plus dollars, which they applied to the account. We then received a letter a few weeks later saying that the amount we sent was insufficient. If we wanted a review then we had to send in XXXX payments ( so they wanted us to send 2 more payments ) by XX/XX/XXXX ( only a week from the time we received the letter requesting the additional payments ). Ocwen is intentionally trying to keep us from getting this modification, yet keep cashing our checks. Now we have received the PRE FORECLOSURE notice from them AGAIN. I tried to submit a whole new modification request and their system wont let me, but I keeping receiving letters from them offering me the opportunity.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 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: CA

Complaint narrative:
I entered into a lease with my ex husband at the XXXX and we are both equally responsible for paying the amount that is owed. the XXXX are well aware of the tenant i lived with abandoned the residence therefore leaving me with the full debt.I would like to resolve the issue by paying half the amount that is owed to the collection agency.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
This month showsthat we are shorton escrow morethan {$900.00}, but alsoafter the bank didthe escrow analysis, somehow we are short from 2012 more than {$6000.00} which you, the bank decided todivide the payments in XXXX, we will pay more than {$2000.00} a month and we simply CA N'T do it, and we will neverbe able to catch upwith the mortgage, that was the reasonwe went bankruptcyand did a loanmodificationbecause wecould n't afford {$2000.00} a month. 
We contact theOcwen to pleasemove the {$6000.00} tothe back of the loanso we canconcentrate payingwhatever shortagewe have in escrowthis year. 
Please help us

Company response to consumer: Closed with explanation