vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, AZ XXXXTo whom it may concern, I bought my home in XXXX XXXX for {$260000.00} and put {$26000.00} down on it, with another XXXX cash put into home in upgrades. At the time I was salaried at 42k a year + OT. 
In XXXX of XXXX the company I worked for re-structured and I was let go along with many others. Little did I know that at the same time this happened the economy crashed. It was impossible to get hired again in my occupation as XXXX. While I was able to get a loan modification, it did not reduce the principle on the loan leaving me upside down on the note. Owing XXXX on a home worth around XXXX plus a XXXX mortgage of XXXX.I have stayed in my home determined to keep it regardless but got behind by XXXX payments back in XXXX. Since XXXX XXXX I have been in the same very stable position, but have not made enough to handle all the late fees from back payments. My mortgage is now XXXX of my take home pay and has made it difficult to make ends meet. Now another hardship of a family emergency with a parent that needed me. This has left me more than 3 months behind. I applied for a loan modification back in XXXX and was turned down by OCWEN. They said I did not make enough money. I applied for another loan modification with them, this time my mother paid my health insurance. OCWEN then said that I made too much money and did not need another modification. They said that they were a loan servicer and that they did not have the means to do a principle reduction. In short, I stayed in a home that has been underwater for most of the years that I have owned, put a lot of money into it. Loved my neighbors like family but am not able to get caught up on my payments and am sorely in need of a principle reduction /loan modification. 
Please let me know if there is anything you can do to help me. 

Most Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HW Holding, Inc
State: OH

Complaint narrative:
I sent a correspondence to Hunter Warfield at XXXX XXXX XXXX XXXX, XXXX, FL XXXX ( XXXX ) XXXXThird Party CollectionsI demanded a validation and verification basically some form of contract background. I received a letter stating that the account could not be verified and that they would send information to the XXXX Major credit bureau XXXX, XXXX, XXXX to have the account deleted and removed. The account in question was deleted from my XXXX XXXX report. However the account was reported as being closed on my XXXX and XXXX reports when it should have been deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
A loan was assumed by LITTON LOANS/OCWEN and the loan was PAID IN FULL on or about XX/XX/2010. 

Litton continues to report MONTHLY PAYMENTS as accruing, giving the impression on review of a credit report that there is a PRESENT DELINQUENCY. There is not, as NO MONEY IS OWED to Litton.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: HW Holding, Inc
State: MD

Complaint narrative:
this debt is fraudulent was created from identity theft and needs to be removed i have filed a ftc and police report

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: Brown Law, PLLC
State: MO

Complaint narrative:
Brown Law , PLLC collecting on behalf of XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, Tx. 
Phone : XXXXContact initiated by phone on XX/XX/XXXX, missed call, voicemail left by caller. 

Call contact on XX/XX/XXXX I recorded a call from XXXX XXXX, I would not verify information ; was told " I 'll tell them you wo n't cooperate '' then XXXX XXXX hung up. 

Call contact to my mother on XX/XX/XXXX as well as a voicemail on the same day. 

Call contact to me on XX/XX/XXXX, missed callCall contact on XX/XX/XXXX I recorded asking them to send it to me in writing and informing them of the 5 day requirement that had already begun ... caller was XXXX XXXX. 

Written letter dated XXXX/XXXX/15 received from Brown Law , PLLC on XX/XX/2015Response sent return receipt on XXXX/XXXX/15 informing to cease contact except in writing to me ; sent to PO Box as well as physical address. 

USPS website screenshot showing delivery on XX/XX/2015Return receipt received XXXX/XXXX/2015 bearing signature as well as the date of XXXX/XXXX/2015 with service upon physical address. 

Call contact on XX/XX/XXXX, XXXX XXXX the caller, I recorded informing them of a violation of the FDCPA to which they responded they had no record of the letter even though I explained I had a return receipt showing delivery of XX/XX/XXXX 

At some point this company may have also contacted my wife. I will pull our bill and locate their number XXXX. 

As of XXXX/XXXX/2015 this company has not signed for the return receipt in their PO Box which was available for pickup on XXXX/XXXX/2015 according to the USPS tracking website. I believe this is done to continue to harass consumers. 

i have retained screenshots of the missed call log, the bills showing their calls, recorded conversations uploaded to the cloud, a copy of their letter as well as the envelope, the return receipt, screenshots of the USPS website for tracking and delivery, and a copy of the letter that I sent. I will obtain a copy of my credit report as well as I suspect they are in violation of the Fair Debt Collection Practices Act as well as the Fair Credit Reporting Act. 

As such, this company is now harassing me for a debt they have yet to validate in any manner. They have broken multiple regulations in the FDCPA in an effort to harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
My mortgage was transferred to Ocwen XX/XX/XXXX. I did n't realize until later that my mortgage was a ARM, nor do I remember agreeing to an ARM. I would never have agreed to this, knowing how the lender can adjust my rate whenever they felt like it. I applied and was approved for the HAMP ( Home Affordable Modification Program ) XX/XX/XXXX. XX/XX/XXXX I was informed that I no longer qualified and my mortgage would be adjust from a 1 % to a 4 % interest rate beginning XXXX XXXX, XXXX. Since then my mortgage has been adjusting every XXXX months. Then on XXXX XXXX, XXXX my mortgage adjusted from {$1200.00} to {$1300.00}, in XXXX months time. I have tried to apply to reenter into the HAMP again or have my mortgage set at a Fixed-Rate, but was denied and I was not given an explanation as why I no longer qualified. I 've never been late and I have always paid the full amount owed. I received a letter that my mortgage will again adjust to a 5.5 % rate, which will make my monthly payments {$14000.00} +. I ca n't afford these payments and have requested assistance to no avail. I would like someone to assist me in getting through to Ocwen with helping me to keep my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
Ocwen has stated on my creit report that I was 30 days late twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
here i am again complaining about ocwen this co. needs shut down. i tried emailing this through my email but it wouldnt go through. something has got to be done about this co. i guess they are in XXXX so you cant understand them and you cant ever talk to the same person XXXX. they are XXXX days from foreclosing on my family. i have been begging this place for help. our payments went from XXXX to XXXX to XXXX XXXX, now they are XXXX. when i XXXX called ocwen for help they informed us that we have to be behind to get help we didnt really want to do that but we did XXXX months behind they said so we did  and then asked for help and they assured us over and over again they would help. i filled out the application and all the paperwork numerous times bc they would lose something or didnt recieve something or couldnt read somehting or the very XXXX time they made us an offer they raised our payment XXXX a month. what? we are asking for help and they are raising our payments. thats ludicrous. after XXXX more months of being jerked around, the whole time them promising to help us, we were then almost a XXXX. behind on our mortgage. once you get that far behind there is no catching up. we hired a lawyer he did absolutely nothing but lie to us and take our money. what is this world coming too? then another lawyer and they are like well just file chapter XXXX and your new payment is XXXX a month. you got to be kidding me. we couldnt afford XXXX a month but now XXXX. give me a break. we had our house appraised it come in at XXXX we owe XXXX which is exactly what we barrowed XXXX yrs. ago. i will  not give up until they physically throw us out. why cant anyone stop this co. from their illegal, improper and inhumane practices? they get you behind and then foreclose on you. something is wrong here. if you go to any website on ocwen there is nothing but complaints and people going through the same exact thing. everyone is begging for help and the govt sues them goes in and slaps their hands and its over right back to the same old XXXX i just dont get it. i know they have more money that XXXX but please why cant someone make them stop. everybody is afraid of this place i guess. i swear to you if i was a lawyer i would rip them apart. and i wouldnt stop until they had nothing just like they are doing to everyone else. you can publish this anywhere it doesnt matter bc there is tons of these complaints and everybody is just turning thier heads like nothing is going on. there is actually a website that says "nobailout for ocwen homeowners letter to barak obama" and he dont care either. whats the problem?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: SC

Complaint narrative:
Failure to provide periodic statements as required by law. 

http : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
Ocwen Loan Servicing , LLC, and I entered into a modification agreement, on or about XXXX XXXX, 2016. The terms state the the down payment is to be paid on XXXX XXXX, 2016. Each month thereafter, I am to pay the same amount each month by the end of the grace period, which is the XXXX of the month. 

However, today, I received a letter entitled " DELINQUENCY NOTICE '' demanding payment for payments that have been absorbed by the modification, which is not due until XXXX XXXX, 2016. I consider this : 1. ) harassment, 2. breach of contract, and 3. ) against the laws governing mortgagors and loan servicing agencies under the Fair Debt Practices Collections Act, et al.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
Having received a reply from the history of my loan, XXXX XXXX, who went bankrupt and gave out faulty and or predatory loans, Litton loan who has had its ' owner purchase shares of new loan servicer with indemnity clause and finding knowledge of hedge funds and investments traughs that may have been awarded compensation on the note of my property, wanting to stay in home with a workout solution with added income. The persistence I have had to provide a home for my family and XXXX childs needs as a hardship said earlier, leaves me a pursuit to quiet title on residence for a additional loan audit which was securitized XXXX, XXXX XXXX having legal issues with real estate domestic and abroad. Having XXXX a year income since XX/XX/XXXX makes me want to cure with findings a lodgical solution with aided government help to see all is legal and done properly. The signing of papers from a censured attorney and a attorney that was sent to jail ( XXXX XXXX ) for mortgage fraud and other legal issues have hindered my resolve but to add more delays. Please find a happy Medium that a arbitration can produce a mediation that works for all involved. Ocwen, XXXX XXXX XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I scheduled XXXX online payments that PNC sent out as checks. I was charged an overdraft fee for each check even though they did n't post to my account until XXXX and I was n't notified until XXXX. I the past they have always given until XXXX the next business day to cover any overdrafts, in fact this is their stated policy : PNC 's {$5.00} safety buffer PNC allows a {$5.00} margin of error. If you 're overdrawn by {$5.00} or less, PNC will refund any overdraft fees. 
Also, if you overdraw your account but then deposit enough money to be within the {$5.00} margin by the end of the business day, you wo n't be penalized. PNC will automatically refund any overdraft fees. 
However when I called and spoke to two different supervisors I was told that because the items were sent as checks the buffer policy did not apply as I should have had the money available for when the check processed, which I did, I had checked the account the day before after business hours and the checks had not presented. So when I went to transfer the funds the following business day as per the buffer, there were already XXXX overdraft fees in excess of the amounts that were covered! After multiple calls I was refunded XXXX of the overdraft fees after being " educated '' regarding PNC 's current policy in regards to checks. I asked how I was supposed to cover the XXXX checks on the same business day if they did n't post until XXXX and was told again that the buffer did not apply to checks which is not stated in their policy. Unfortunately this is not the first time having issues with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Ocwen purchased my loan and attempted to shorten my contractual grace period from 15 days to 10 days until I sent them a copy of the mortgage document. Every single month Ocwen asks me to register my computer, which their website ca n't seem to store. When I attempted to pay last month 's payment online through their website, I was forced to verify my email. My email has not changed in over 10 years, since before the intitation of this loan. When I attempted to complete the transaction, I received an error message including 'please try again later ' This went on until I could no longer pay through the website within the grace period. I initiated a bank payment, which I am fully aware is transmitted within 24 hours, yet Ocwen did not credit it as received until the grace period expired. I am sick of their fraudulent activities in attempting to violate grace periods and extort undue payments from consumers by manipulating the website code. There are XXXX 's of online complaints about their practices!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
We have been trying to get a modification on a XXXX mortgage since 2011. XXXX time we are told it has been written off, then yes it can be modified, then it has been written off, a {$60000.00} loan is now {$90.00}. They say it has been given to a XXXX party for collection, but ca n't give us the name of the company se we can contact them, they only ask how much money can I afford to pay it off, but I never have enough and it keeps going up. They will not accept payments, the interest rate is almost 13 %, they modified my XXXX mortgage but wo n't the XXXX and keep threatening foreclosure, I want to make payments on it, I want to keep my home, but I get a different story every time. The last denial was because the HAMP only modify 's XXXX mortgage, which is not true, HAMP will modify XXXX mortgages, but they did not research this. XXXX XXXX has been helping me through out all of this, she has made several appointments with the account rep ( since no one else can give us any information ) to no avail. We can not pronounce the persons name nor can I understand them, I have asked several times to speak to an XXXX to no avail. We need help, I have several letters over the years, some stating that a modification is available. Please help me with this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-24 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
Last year Ocwen did the same thing and the XXXX contacted them and part of the issue resolved. I have HAMP and my loan goes to 4 % this year. The amount I pay now is XXXX. My amount should not go to XXXX. Effective XXXX/XXXX/XXXX they want me to pay XXXX which is understandable, but as of XXXX/XXXX/XXXX to pay XXXX. Ocwen told me to pay in the amount of XXXX for my Escrow account and I did and they said that would cover everything. The first letter I received in the mail states I will be paying XXXX which is not correct. The XXXX highest amounts are incorrect. My Escrow account has a balance of XXXX, why did I still have to send money to cover Escrow. Ocwen has been cheating home owners for a long time, if I do n't check behind them this will continue. Ocwen raised my monthly amount before the five years was up to XXXX whereas the agreement with HAMP was XXXX monthly for five years. When you call to talk to them they say their going to investigate the situation but nothing is done, only a letter with a higher monthly payment. On their site when I check the principal and interest amounts its not the same reported to me. The amount I should be paying for XX/XX/XXXX is XXXX. How are they calculating wrong amounts with monies still in Escrow from XX/XX/XXXX. This company has been nothing but problems since they bought my loan from XXXX. Why is it they can do what they want and get away with it. I 'm a senior citizen paying bills on time and tired of the headaches Ocwen has caused me. On my credit report Ocwen states they were part of a bankruptcy which is not true they were only sent a notice of filing and they were not included, that 's when they started charging me XXXX, which they were not suppose to. This is an ongoing problem with mortgage companies like them. PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
OCWEN : Need I say more? 
They have ruined our lives, our sanity, any quality of life. Upon reading many of the horror stories online, I almost feel fortunate that ours is not worse. Nonetheless, it 's a true downer having them in charge of your life. My husband lives on SS and has a son who is a XXXX who lives in a home that he bought for him in 1990 and spent a ton of money equipping it for him. Now due to their ineptitude, inaccurate accounting, and just plain GREED, the kid may soon be in the street in his XXXX. I have filed several complaints here but I am not able to scan and attach documents. I 'm no computer whiz. Just spent an entire week delving through a foot high stack of inconsistent and fabricated documents from Ocwen, printing, highlighting, pulling my hair out to compile a package to the NY AG ; do n't think I can do it again. Just will keep trying to get the truth out there and ask WHY are these people allowed to remain in business?!? I 'm just so sure you do n't get any more complaints about them after the big settlement. XXXX. Corruption at it 's highest level

Company response to consumer: Closed with explanation