vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-31 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I applied for a loan modification with Owen Loan Servicing LLC to try and modify my home mortgage. Ocwen denied my loan modification twice with false, and misleading, information. 

On XXXX XXXX, 2015, I applied for a loan modification and was incorrectly denied a loan modification. Ocwen denied my loan modification based on the fact I already was granted a past modification two years ago. Ocwen stated I can only apply for XXXX loan modification and I have reached the maximum times I may apply for a HAMP modification. This denial is not true and is an attempt by Ocwen and the Investor to intentionally foreclose on my property. 
Ocwen is not following the HAMP guidelines when evaluating borrowers for loan modifications. 

In XXXX 2015, I applied for a XXXX review for a loan modification. Ocwen again, denied me a loan modification on false and untrue facts. Ocwen stated that I earned an income of {$6000.00}, which is not true. I do n't earn {$6000.00} of income. My income is {$5100.00} a month. Also, Ocwen stated I was current on my mortgage, also not true. I am 90 days behind in my mortgage and need mortgage assistance to save my home. 

Ocwen several times has tried to convince me to sign a Deed in Lieu of Foreclosure and return my property to them. I have numerous times explained to Ocwen I do n't want to give my ownership to Ocwen and I need a affordable loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
# 1 XXXX from XX/XX/XXXX to XX/XX/XXXX Was the originator of my Mortgage wich was a fraudulent loan with excessive brokers fees and charging XXXX intrest in the state of XXXX. Listed in the XXXX district court from XX/XX/XXXX to around XXXX is XXXX as the Mortgage lender .XXXX , Wich I was part of a class action Law suit for this transfer and a 2 year clause not letting borrowers refinance at a lower intrest rate, XXXX found in favor of the borrowers in this class action suite , but this did not stop the fraud. XXXX had the mortgage 3 months then transferred to Littion Loan servicing or XXXX XXXX, None of these banks are on the Mortgage as the note holder as required under consumer protection Law, 30 days in state and 90 out of state or lose your right to collect. This is XXXX State Law as well as Federal Law. When oer XXXX documents were sent to you HUD and Federal Trade Commision Documenting this fraud Litton Loan servicing was to be removed from my credit report. Not documenting payments putting insurance when I had paying taxes when not late. wich is a consumer fraud from high intrest loans mine was at 9.9 ad more. claiming less money paid in to IRS wich I sent XXXX XXXX receips to and they filed charges agains Littion Loan Servicing. then after being found for Fraud by you with the documents sent you. Littion Loan servicing transferred to XXXX. who is currently claiming there are foreclosing on my property. When the XXXX district court left XXXX XXXX do that. as they registered with an out dated notary form that they owned the Mortgage on XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
This same person transferred my mortgage on the same day from XXXX to XXXX then to XXXX XXXX. XX/XX/XXXX after the Law suite with XXXX and XXXX was settled and both went bankrupt. I have had no contract with XXXX XXXX and never got anything from any one saying these people owned my Mortgage. and Litton Loan servicing was collecting my Payments not XXXX XXXX. But never registered as the bank to collect my mortgage. 

How does a bank that I never signed anything with nor agreed to this transfer with for close on my mortgage? When under my contract they could only transfer 1 time? 
How can they collect intrest after I stoped paying because of the excessive fraud also claming a XXXX dollar loan was now XXXX XXXX taking away all my equity in this property? When XXXX does not let you charge intrest like this? This is our justice system? This is consumer Protection? 
Ocwin did not foreclose on my Property XXXX XXXX did with out any legal right. How can this be? Why is this on my credit report? No refinance was offered for this fraudlent loan eather wich prompted my finding out about all the fraud. Please return my property tome and clear up my credit report within 5 days of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
My name is XXXX XXXX and I have been filing complaint after complaint against Ocwen Loan Servicing regarding their failure to provide me with the satisfaction of my loan documents. Please refer to previous complaints on file. 
Ocwen has been repeating over and over again that they do not have to file a lien clearance because there was no XXXX continuation ; however, every attorney I have contacted concluded that issuing a lien clearance, even when there was no lien continuation, is the obligation of the last servicing agent - i.e. Ocwen Ocwen has been servicing the loan on behalf of an investor : XXXX XXXX XXXX XXXX for XXXX XXXX XXXX whom I did n't know existed until late last year when I was forced to sell another unit I owned in the same building. 
Ocwen has further claimed that they had lost the original loan documents when in fact their records indicate that they did receive the loan documents from XXXX XXXX XXXX. 
Ocwen is going out of its way to pay for lost documents they never lost and refusing to issue the lien clearance. 
I have never dealt with XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX nor any other party but the financial institution thru whom I requested the initial loan from - The XXXX XXXX XXXX. This financial institution after filing for bankruptcy almost right after the closing took place, which it seems XXXX knew beforehand as records show that the same day my loan closed in XXXX, XXXX took the liberty to assign the note to their sister company XXXX XXXX without ever disclosing it to me - the borrower. XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX are all related parties ; however they never disclosed their identity nor their participation in the notes thru the years. They simply worked under the table to get shareholders leave them with the notes ( horror stories I heard thru the years which it was hard for me to believe until I experience them myself ) It is clear to me that the above is a ring of corruption that needs to be stopped. I need to know who has taken illegal assignment of my note as that is the only explanation I can find for Ocwen 's reluctance to issue the lien clearance and the fact that XXXX XXXX XXXX filed for a XXXX on my loan in XXXX when I never had any involvement with them. 


Sincerely, XXXX XXXX PS None of the mortgage process listed below applies to this complaint. My complaint is related to the final payment of the loan. Ocwen is a collection agency and that is another thing I do not understand : why was my loan serviced by them when I never defaulted on my loan and they were always paid on time. Was their investor trying to show that I was late so that they could claim the property on foreclosure as they did in many other cases to later re-acquire them at a bogus price to avoid paying the taxes,,, ,and the respective fees to the Corporation (? )

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

Complaint narrative:
I have overpaid my mortgage company over {$2900.00} for FHA Insurance and they will not reimburse me. Instead they cancel my paid up FHA insurance and sent me a letter disputing that I have not overpaid. This trial has been going on for a year this month.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I have been trying for over 2 years to get a decent loan modification on my primary residence with my lender OCWEN. They state that I can not qualify for a HAMP loan modification because my investor does not participate in that program. So they stuck me with a 6.0 % loan modification that is XXXX % higher than the market interest rates. I ran my scenario using the XXXX website and it says that I totally qualify for a 3.25 % loan modification. I just want to keep my house and have an affordable payment.

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

Complaint narrative:
Good Morning, CFPB : I am a Military Service Member XXXX. I am writing reference an account with Ocwen Financial based in XXXX XXXX XXXX, Florida. This is a mortgage account with the underlying asset at XXXX XXXX XXXX ; XXXX, Maryland XXXX. 
I applied for a loan modification for this account. Ocwen took several months to process the modification. During the modification approval process, Ocwen reported adverse information on my credit file with the credit reporting agencies. I was informed by XXXX XXXX, a supervisor with Ocwen that my credit would be restored after the loan modification was executed. This did not occur. 
My relationship manager with Ocwen Financial is XXXX XXXX XXXX. I was advised by XXXX XXXX that I did not need to make a payment on the account until XXXX XXXX after the modification agreement was executed. However, on XXXX XXXX, when I contacted Ocwen to discuss the account, I was told that I had to pay a {$2000.00} past due amount for XXXX, XXXX & XXXX payments because no payment was made until XXXX XXXX. 
Ocwen 's failure to process the loan modification in a timely manner and their misapplication of funds to my account in the loan modification process has adversely impacted my credit and caused a financial hardship for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Cooper Hoffman Klein Associates
State: UT

Complaint narrative:
This company has called daily requesting that I pay a bill for a checkloan with a Paydayone company that is out of business, they told me they were coming to pick me up to go to jail, told me I would be served a summons, called me a filthy Debtor and XXXX, I have requested that they stop calling me and they continue they change their numbers and call when I asked for an address to send payment they said they only accept a prepaid debit card for payment no cashiers check or money order so I still was unable to get an address from them. they have no information on their company over the internet and no address.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
We bought our house through XXXX VA loan ; they sold loan to Ocwen. We sold this house in XXXX XX/XX/2014. Ocwen sent me XXXX final checks totaling {$3500.00}. I did not cash them in time ; they were void after XXXX days. When I called to have them reissued, Ocwen told me that I am no where in their system. I faxed them copies of the checks with my loan number on the checks & Ocwens name. They said they ca n't reissue because they ca n't find me. They also said they ca n't send me my XXXX because they ca n't find me in system. They told me they had a system change over in XXXX XX/XX/2014 & I 'm lost in system???? They have given me no solutions. What do I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: OR

Complaint narrative:
Ocwen the 3rd party servicer is forcing me into a undue/unnecessary foreclosure. 
We have complied with all the time lines Ocwen has requested and required. Ocwen has failed to request the BPO appraisal from their vendor management company. I was advised by Ocwen 's escalation management XXXX XXXX | Escalation Manager - Liquidations Ocwen Loan Servicing, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXXXXXX XXXX www.ocwen.com. See email ( Exhibit A ) from XXXX stating Ocwen would need to obtain the value of the home before they would review the XXXX cash offers we currently have in hand. During this time I had to request a foreclosure sale date, which was granted an moved to XXXX/XXXX/16. During which time Ocwen had problems on their end ordering the BPO/appraisal. I contacted the first BPO agent Ocwen emailed to contact XXXX ( see email Exhibit B ) and XXXX told me she was on vacation for 2 weeks and asked me to contact Ocwen and have them reassign the file to another BPO Agent. I emailed and informed XXXX, then was give another BPO agent to contact See email Exhibit C, I contacted XXXX XXXX, I called him and asked if he can rush schedule the BPO, the BPO took place XXXX/XXXX/16, and I contacted XXXX XXXX today XXXX/XXXX/16 and he confirmed his BPO report has been submitted to the XXXX XXXX XXXX XXXX XXXX ) and that Ocwen should the report by now. I called Ocwen on XXXX/XXXX/16 and the rep indicated she does n't have the XXXX. I 've sent the XXXX with XXXX of the offers, even though Ocwen has no idea what they are basing the value of home since, per XXXX XXXX XXXX XXXX PH XXXX - told me that he will request the BPO valuation today and he should have it within in XXXX7 business day to receive. I 've asked because Ocwen 's process is taking so extremely long, why are they are not willing to postpone the foreclosure sale date of XXXX/XXXX/16 to allow time to complete the short sale. We have XXXX cash offers and we can perform and close this XXXX as a short sale to avoid a foreclosure

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I applied for a refinance on an existing mortgage loan in XXXX thru Homeward Residential. After extensive paperwork, appraisal report, verbally told that loan was approved, lender stopped communicating with me. I call them up wondering what happened to signing of my loan document, I am told casually that my loan was rejected and a loan officer was supposed to call me. What happened to my rights as a consumer to be notified when rejected for a loan? I call XXXX of their executives to obtain an explanation, XXXX XXXX, I never get a courtesy response from him.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
On XXXX/XXXX/2015 tryed to work with Ocwen for Loan Modification got nowhere. Wrote to Senator XXXX XXXX detailing my issues. His office contacted Ocwen. I received a letter from Ocwen stating my would be completed by XX/XX/2015. Nothing happened. Received another letter stating my case would be done by XX/XX/2015 nothing happened again. Been getting the runaround ever since.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: AmeriCash Holding LLC
State: IL

Complaint narrative:
I called into Americash customer service line to inquire about a notice I received on my loan. The notice was a " Notice of Adverse Action '' sent on my account XXXX times ( latest being dated XXXX XXXX ), but payment was made on time. Called into customer service and spoke to " XXXX ''. XXXX was extremely rude telling me to just disregard the letter. I seemed to be annoying XXXX when I continued to try to get an understanding of what was going on. I asked XXXX could I speak to a supervisor. He came back 1 min later and said no one was available. I told him I would just hold until XXXX was available and he says " just call back! ". I said fine.. my intentions were to call back to speak to another representative. I asked for his name again and he said " XXXX ''. Then I asked for an additional way to ID him. I asked for ID number and he says " It does n't work like that and just call back! ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX had originally provided us with XXXX ( XXXX ) beginning in XXXX 2013 and was covered under our health insurance at the time. The new insurance card was sent in ( under the same job/insurance provider ) around XXXX 2013 and a couple of months later when we called XXXX to refill the prescription they notified us that the insurance was now out of network and they would no longer be able to fill our prescription. This not only severely jeopardized my wife 's health but left us scrambling to find a new provider and going weeks without her weekly therapy. They notified us at this time that they would " take care '' of the insurance problem and we would not be responsible for any added costs due to what they described as " their XXXX ''. It was at least 6 months later that we received the first bill which included the charges incurred during this period of time. We have tried multiple times to contact XXXX and every time we have been told by them they would contact their supervisor and discuss our case and call us back. They have never called back to discuss these issues. The account has now been sent to a collection service who is attempting to collect on the debt which is XXXX % more than the out of pocket maximum under the insurance plan. XXXX has never been able to give us a straight answer regarding this problem.

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

Complaint narrative:
I am in Chapter XXXX. I have decided to sell my home and payoff my bankruptcy. On XXXX/XXXX/16 I asked for a payoff quote that I received and was good to XXXX/XXXX/2016 for the amount of {$88000.00}, which I agree with. 
The sale fell through. I now have a contract to sell the home and close on XXXX/XXXX/2016. On XXXX/XXXX/2016 I requested another payoff amount. It was sent and good through XXXX/XXXX/2016 for the amount of {$130000.00}. This is impossible. The difference is in interest and escrow advance. There is no way it has gone up over {$50000.00}. I have called them twice and get the runaround. They say it is being reviewed. 
Yes, I have been paying my house payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Revenue Recovery Corporation
State: KY

Complaint narrative:
First, none of the provided choices for the second question matched my issue, so I chose " Debt was paid '' so I could go to the third question. My issue is with Revenue Recovery Corp collection agency. On XXXX I went to the XXXX, I was seen XXXX and the problem was fixed. My military insurance paid XXXX XXXX all but {$35.00} dollars on my account. Revenue Recovery Corp receives the debt and reports the debt on my credit report broken down into several accounts : {$2.00}, {$1.00}, {$1.00}, {$2.00}, {$2.00}, {$1.00}, {$21.00}. Each XXXX was turned in as an account. This was also done XX/XX/XXXX, my bill was broken down into an amount per x-ray and turned in as separate account, XXXX separate accounts, if my memory serves me right! This was XXXX account broken down and turned in on my credit report as several separate accounts!!!! This has effected my credit score negatively as well as my Life! It appears to have been done purposely to effect my credit report as to force me to pay. This was a single account and it should have been turned into my credit report as such. If it is not illegal, it should be!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/2015, Citibank NA issued a tiny check to me as refund for " certain fees [ that ] were billed by Citi during periods when not all of the program benefits were provided. '' This is in association with the {$700.00} XXXX in penalties levied on Citibank in XX/XX/2015 for misleading consumers into buying services they did n't need, did n't know they were paying for, or did n't do what the services purported to do. 

I found the misplaced check today and even though it was a very tiny check, called Citibank to see if they could reissue it. 

The number I called that was listed on the check led me to a phishing effort in another country that tried to get me to give them my credit card number in return for a " {$100.00} gift card to XXXX. '' I then called Citibank Customer Service, which took a great deal of searching and re-calling in order to actually talk to a human. After literally 90 minutes with a call center obviously staffed in XXXX XXXX, I was told they had no idea what this check pertained to and could n't help me, but maybe I could take it into a branch. 

Granted, this is a tiny check and barely worth my time -- but what interests me is that Citibank, having scammed some XXXX customers in XX/XX/2015, is now claiming that they have no idea that that issue existed, that refunds were issued, or that they have any responsibility for the refund. 

It seems to me that Citibank is compounding the original fraud. And while my unrecoverable tiny refund check is not all that important to me personally and would barely cover the cost of a cup of fancy coffee, Citibank 's disingenuous behavior regarding this issue does matter, potentially multiplied by a few XXXX consumers.

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