vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-21 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: NV

Complaint narrative:
In XXXX we modified our loan and we were put in a " Shared Appreciation '' Agreement as attached. We understood at the time that what this meant was that they were " forgiving '' a portion of the " Principal Balance '' at the time and that the " New Principal Balance '' during the trial period ( which was only through XXXX/XXXX/XXXX ). We then understood that the modification became permanent and that out of the " New Principal Balance '' of {$280000.00}, {$170000.00} would be forgiven over 3 years commencing in XXXX. The agreement states that the portion of the New Principal Balance that is not deferred, shall bear interest " The Interest Bearing Principal Balance. '' That was {$110000.00} at the rate of 2 % interest and began accruing on XXXX/XXXX/XXXX. We want to sell our home and we called Ocwen today and spoke to two gentlemen, one who cut us off and another who stated " although we forgave the " Deferred Principal Balance '' of {$170000.00}, if you sell the house you would be responsible to pay 25 % equity ( if any ) up and above the " New Principal Balance '' ( described above ) which was {$280000.00}. We argued that this is not what the agreement said but rather it said it was based on the {$280000.00} instead of the {$110000.00}! We argued some more and he then said actually it is the total you refinance the home for in XXXX which was {$390000.00}! We then said you did not forgive anything! We can never sell our house then and it will never, ever be worth {$390000.00} and it will likely be years before it is worth {$280000.00} as it stands right now ; it is worth at the most about {$220000.00}! We believe that if they said that {$170000.00} was forgiven ; it really was n't and especially if they are saying that they go back to the original loan amount of {$390000.00}! 

Please see the attached agreement which again states that " Maturity Date The Shared Appreciation amount, if any, at the Maturity Date shall be 25 % of the difference between the Valuation of the Property as of such date and {$110000.00} ( the Interest Bearing Principal Balance '' as of the Modification Effective Date ( emphasis added ) less any credit determined by Servicer for Subsequent Capital Improvements and any amount of appreciation in excess of Deferred Principal Balance. '' When we pulled these documents up on their website today, they had the wrong Modification Agreement attached with Notary Signatures also. 
Questions : Was {$170000.00} really forgiven? It does n't sound like it to me. 
Why would we be told this reverts back to the original loan of {$390000.00}? This is absolutely no where on the Agreement. 
We kept asking about reduction for " Capital Improvements '' and they did not firmly state that applies! 

Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
i filed bankruptcy in XX/XX/XXXX and it ended in XX/XX/XXXX got letter from a debt collector saying i still owed XXXX on the second mortgage, i was told all that i still owed was XXXX but they are saying that this was interest on what was owed on my loan bankruptcy showed what was paid

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
XXXX and XXXX Subject : Ocwen Loan Servicing , LLC Phone # XXXX Loan #. We have a major problem with Ocwen Loan Servicing. Ocwen foreclosed on our home XXXX XXXX XXXX. They refused to go over our Deed in Lieu after they made a critical mistake on the documents sent to us to SIGN. Ocwen left out XXXX XXXX XXXX lien then claimed we were late however they would view our paper work. They have for closed on this loan and the tenant has stopped paying rent. We do not believe how inept Ocwen is - now everybody lost. 
After receiving papers back their information was not correct - they put on the form that we did not have a XXXX mortgage - tried to get me to sign & send with a " Trust Me '' statement. 
I informed Ocwen of our problem and they gave me new blank sheets of paper we ultimately filled out for a " New Deed In Lieu ''. We corrected the mistake which was the XXXX lien holder they left off of our home with XXXX XXXX XXXX. 
We have a tenant and a broker however tenant NOW will not pay rent due to for closure of Ocwen. Ocwen will not honor the rent payment - non of this makes sense, we lost the tenant, she is suing, manager is upset, we are upset, everybody is loosing. 
They are now asking for my income for last two years. I received SS of XXXX in XXXX and spent the time caring for my wife - XXXX. In. XXXX we lost {$71000.00} due to economy and real estate. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I do Not Know who was the Foreclosing Entity, I can not and have not received the information on who is the Holder in Due Course of the Note, Loan. 
The Wrong Entity has Taken an Action it was not Legally entitled to take a Violation of 15 U.S. Code 1692e - False or misleading representations. 
CIT Bank shows Transferred on XXXX/XXXX/2012 but does not show to Who? 
How Much was Transferred? See Exhibit attatched

Company response to consumer: Closed
Consumer complaint received 2016-05-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MS

Complaint narrative:
XXXX credit reporting agency dropped Ocwen Loan Servicing , LLC from my credit file, stating in their answer to CFPB case number XXXX I filed that Ocwen Loan Servicing , LLC account was reinserted on the credit file on XXXX/XXXX/XXXX. Please contact Ocwen to see why the account is no longer reporting and to see if they can report the account on your credit file. XXXX is still reporting the outdated information Ocwen submitted to CFPB case number XXXX in answer to my complaint filed in XXXX XXXX. Per XXXX XXXX, Consumer Account Analyst, Office of the Consumer Ombudsman, Ocwen Loan Servicing , LLC response in this case number dated XXXX XXXX, XXXX, Ocwen electronically reports information to the credit reporting agencies on a monthly basis. However, as of XXXX XXXX, XXXX, Ocwen has not sent any updated information on my mortgage account XXXX to any of the credit reporting agencies. I called Ocwen Loan Servicing , LLC at XXXX on XXXX XXXX, XXXX after talking with a representative of XXXX. I spoke with XXXX who gave me identification number XXXX. She verified that the account in fact had not been reported since the above mention date. XXXX was to contact me within XXXX working days. To date, I have not heard from XXXX with Ocwen and the account still show that Ocwen has not sent updated credit reporting information. I am uploading the credit reporting information I got from my Ocwen account online, plus correct information that shows the account is paid each month as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Good morning, As a single woman who pays her home mortgage, it has become very difficult to keep on time most months. I have asked Ocwen at least three times to modify my loan. They make me go through so many signing of documents and in the end, the answer is no. The first time it was because " they owner of the loan did not participate in the HAMP program ''. Now this time because I am not delinquent! I have to pay them {$85.00} because I am late by a week or two, so they do not consider this delinquent then!!! This is a very frustrating experience with Ocwen. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
XXXX XXXX, XXXX acct # XXXXI am XXXX XXXX and I have Ocwen Loans as my mortgage ( NOT MY ORIGINAL LENDER, GMAC SOLD MY CASE TO OCWEN ) I was XXXX from XXXX XXXX XXXX to XXXX XXXX XXXX XXXX 9 months ) and according the SCRA act a soldier XXXX over 30 days can only be charged a maximum interest of 6 %. I was charged my usual high interest rate 6.87 %. It also states the 6 % interest rate must remain in effect one whole year after the soldier return home ( back stateside ). So I should actual should have been only charged 6 % interest from XXXX XXXX to XXXX XXXX ( 21 months after you add the additional year ). I want a refund from Ocwen for funds I over paid them during this time frame. Please contact me if you have any questions XXXX XXXX XXXX ( XXXX ). I included the SCRA regulation page along with the orders to prove my deployment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07 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 attempted to contact the trustee at the XXXX locations documentation disclosed for the amount I need to pay to reinstate the loan. The number the documentation says to call is always busy. Through the second number I talked with XXXX XXXX on XX/XX/2016. I have not received the reinstatement amount information he promised, even though I was told I would receive the information within three days. The trustees are XXXX XXXX XXXX XXXX and XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: LA

Complaint narrative:
Ive attached the original letter that will explain how this started. To explain where we are now ... Ocwen refuses to release the remaining insurance proceeds so we can finish our flooded home and I have a letter from Ocwen stating once we were at 90 % repaired they would release and they will not do so. They received our initial insurance check on XXXX XXXX and after many many many fighting phone calls, and complaint with XXXX and La Attorney Generals office, they release the 1st pymt on XXXX XXXX. We had an inspection in mid XXXX and that came back at 90 %. and yet again not releasing all of the money, only a portion. Also, when this event occurred Ocwen waived our XXXX XXXX and XXXX payments and offered to spread them over 9 months with our 1st payment beginning with our XXXX payment. Our payment amount is XXXX and XXXX goes toward the payments of XXXX XXXX and XXXX ... .they have been reporting us late to the credit bureaus ever since. When I got our local authorities involved they corrected the late payments for XXXX XXXX XXXX and XXXX but are continuing to report us late for XXXX XXXX and now XXXX, sending my credit score down over XXXX points. I would like to receive the remaining {$31000.00} dollars in insurance proceeds released immediately and for them to correct all aspects of my credit file so that my score returns to what it was prior to them reporting incorrectly. Any help is much appreciated. I have attached several docs as reference that supports all that I have spoke about. Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX, a United States Citizens, XXXX born, and I purchased a piece of real estate in XXXX, Florida on or about XXXX that is located at XXXX XXXX XXXX XXXX, XXXX, Florida, XXXX. The Subject Property is zoned Commercial and I spent over {$300000.00} in constructions, that including enlargement of the structure, the facade, the parking lot, the roof, counter top, a new kitchen to make it a XXXX. 
Upon completion, after exhausting all my personal financing, I still needed to buy equipment, such as stove, ovens, furniture, walk-in freezers etc. I offered the Property as collateral to Ocwen Mortgage Servicing who also did a wrap-around with my Personal Residence and offered me sub-prime financing in the amount of {$200000.00} on or about XXXX. 
The Market crashed and the XXXX did not performed sufficiently to pay the Mortgage. 
XXXX XXXX XXXX, the Investing Bank foreclosed on XXXX XXXX, XXXX and XXXX also an Investor for Ocwen Mortgage Servicing, purchased the Property on XXXX XXXX. 
THE PROPERTY WAS SEIZED AND SEALED- OFF ON XXXX XXXX TO PREVENT MY ACCESS AND I COULD NOT RETRIEVE PERSONAL, AND BUSINESS DOCUMENTATIONS. 
We provided buyers to Ocwen Mortgage Servicing to cure the Mortgage, and successfully negotiated the removal of my Primary Residence from the wrap-around so that I could sell it and cure the default. I paid Ocwen Mortgage Servicing a sum of over {$100000.00} and the property was sold by XXXX for {$170000.00} on XXXX XXXX to XXXX XXXX. 
Now comes Ocwen Mortgage Servicing and provided the Internal Revenue Service with a XXXX for {$200000.00} as a discharged debt in which the Internal Revenue Service is demanding a whopping {$62000.00} that includes {$52000.00} of earned income as a result of the discharge plus interest and penalties. 
I have on numerous occasions requested an historical profile of my payments, but to date Ocwen Loan Servicing have steadfastly refused. NO ONE OF THE PARTIES INVOLVED WILL PROVIDE ME WITH THE FILES I LEFT IN THE STORE SO THAT I CAN PROVE MY CASE WITH THE IRS!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: DC

Complaint narrative:
i have a mortgage loan with Ocwen Loan Servicing. Just received a letter from Ocwen indicating that as of XXXX XXXX, 2015, it will no longer service my loan and that all payment are now to go to XXXX XXXX XXXX. I called Ocwen to ask when i will get a letter from XXXX ( as Federal law requires ) but no one seemed to know what i was talking about. 

Federal law requires that both the old and the new servicer send a letter to the borrower. 
I am filing a complaint because i was told that Ocwen will stop accepting payments as of XXXX XXXX, 2015, but i have not been formally advised that XXXX will accept my payment. 
As you know, because scammers create phony companies and advise lenders to start making payments to them, several years ago congress enacted the law requiring both lenders to send a letter.Legitimate lenders generally send a joint letter ; the letter i receved was only from Ocwen

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
After paying off our mortgage we were due a refund and the mortgage company failed to give us our money. The company gave several excuses and hung up when we insisted on a response for our money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-11 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
WHY WESTERN UNION RUNS AN ILLEGAL AND DECEPTIVE ORGANIZATION : ( 1 ) BECAUSE ALL THEIR FACILITIES LISTED ON THEIR WEBSITE ONLINE AS " AVAILABLE '' EITHER HAVE A SMALL DOLLAR AMOUNT LIMIT FOR PICK-UP OR ARE CLOSED EVEN THOUGH THEY ADVERTISE THEMSELVES AS " OPEN ; '' ( 2 ) ALL THEIR TELEPHONE OPERATORS ARE FROM XXXX AND DO N'T EITHER SPEAK OR UNDERSTAND XXXX ; ( 3 ) THEY PURPOSEFULLY MAKE IT HARD FOR YOU TO PICK UP YOUR MONEY SO THAT THEY CAN COLLECT AND KEEP THE DAILY INTEREST AND/OR HOPE THAT YOU GIVE UP AND LEAVE IT WITH THEM FOREVER, THUS ALSO GOING BACK INTO THEIR OWN ACCOUNTS FOR THEM TO KEEP.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: Trademark Management Solutions, LLC.
State: TX

Complaint narrative:
I got a loan in XXXX for {$500.00}. After receiving this loan I made 2 payments of {$140.00}. I have not been able to make the last few payments yet. I then got a call from Trademark Solutions saying that I am being charged with check fraud and breach of contract and that they were taking me to court. I was also told they would garnish my paycheck, which I later found out is illegal to threaten me with. They said the only option to settle out of court was pay a total of XXXX-something dollars, or make {$400.00} per month payments totaling to about {$1300.00}. I only owe them $ XXXX {$300.00} dollars. I offered to pay this and was told no. I told them that 's all I can do and I was told too bad.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-03-30 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Machol & Johannes, LLC
State: CO

Complaint narrative:
In XXXX, XXXX, I lost my job, and was still paying my credit card bill, until XXXX, XXXX, when I was just unable to pay my XXXX XXXX Bank credit card anymore. I have enclosed my last statement I paid in XXXX of XXXX. Please note the amount was {$4900.00}. Consequently, a judgement was filed against me in the summer of XXXX, for the amount of {$5900.00}. That amount difference was understandable and I planned to pay whenever I got a job. That did n't happen. Finally, in XXXX of XXXX I was able to get a job and pay on other garnishments, from XXXX XXXX XXXX XXXX XXXX. 
Now, I see that XXXX XXXX XXXX has filed to revive the judgement that XXXX XXXX had filed on behalf of XXXX XXXX, XXXX this time for the amount of {$9700.00}. I do feel that XXXX XXXX XXXX is doing this out of a vendetta they have towards me. I feel that the garnishment should not be revived because of XXXX reasons : XXXX XXXX XXXX XXXX XXXX bought this specifically because my name was on it, and XXXX ) the exorbitant amount that they want is just not owed. This feels like a personal attack from XXXX XXXX XXXX, because they did n't own this account, until now. They did not file the original judgement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE
State: OR

Complaint narrative:
XXXX/XXXX/16 Western Union XXXX XXXX Contacted WU for refund MANY times as this transfer was rejected by the Bank XXXX XXXX. Many times WU said this $ would b back in my account within 48 hours, but it has never been refunded. On the XXXX, they asked for my bank deposit records from XXXX XXXX to present to be sent to XXXXXXXXXXXX so that they could confirm that I have not received the refund. Was told we would b contacted within 48 hours. No contact, no refund. Today, I just resent my bank deposit info and letter to XXXXXXXXXXXX and they sent back that this is registered as case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: PA

Complaint narrative:
Yesterday, XXXX/XXXX/XXXX. I received via postal mail, a XXXX Cancellation of Debt " Corrected '' form for XX/XX/XXXX, but it was dated for XXXX/XXXX/XXXX from Bayview Loan Servicing , LLC at XXXX. XXXX XXXX, XXXX FL XXXX ( XXXX ). Should they not have included a dated date on the form or at least put the current year they are sending the form out to me? Please advise as I 'm not sure what to do here or if I have to file an ammended tax return now. Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NJ

Complaint narrative:
Bay view loans is reporting incorrect information. They are stating that I am over 120 days late on my mortgage payments. Originaly, the mortgage was first opened with XXXX. Everything was fine until the mortgage was sold to XXXX. Neither XXXX nor XXXX sent any kind of documents stating who the mortgage was with and where payments were being sent to. As of the beginning of XXXX, 2016, XXXX transferred the mortgage to bay view loans without anyone knowing. Bay view loans was n't even heard of until about XXXX 2016. XXXX XXXX has made no comment on selling the mortgage to bayview loans. Bay view loans still insist the house is in forclosure EVEN THOUGH XXXX DOCUMENTS HAVE BEEN SENT TO MY ADDRESS!!!!!!!!!!!!!!!!!!!! XXXX seems to not know much of anything and bayview loans will only send automated gibberish to consumer finance. I am alos trying to work with a lawyer on fixing the issue, but XXXX bank is refusing to cooperate with the situation. 

I am looking into if I can sue XXXX and bay view loans for not providing a single document and not notifying anyone about any changes. XXXX bank was been contacted about getting proofs of payment, but still refuse to work with myself or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BYL Collection Services
State: TX

Complaint narrative:
I have received several letters from BYL Collection Services LLC about an alleged debt that I do n't owe. I requested validation of this alleged debt and received some papers that do n't show any of my personal information such as Date of birth and Social security Number. I have relayed that information to this company but they continue to send me letters to settle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation