vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-03-27 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: HI

Complaint narrative:
The loan servicer has made repeated mistakes on my mortgage loan which it refuses to correct or investigate, issued notices of default for amounts that were not yet due, eventually stopped accepting my payments and has sued me for foreclosure. 
The servicer continues to charge me late fees after acceleration and during the foreclosure lawsuit. 
The servicer 's lawyer will not permit me to communicate with a sole point of contact at the servicer, make Requests for Information or Payoff Requests and is refusing to respond to the Requests for Information or Payoff Requests. 
I am being denied an opportunity to save my home and avoid foreclosure through the Making Home Affordable Program. 
The servicer and its lawyer are forcing me to accept a nonHAMP, nonaffordable loan modification that is not based on my income or ability to pay with a balance that I do not agree with because it includes fees and charges I have tried to dispute or be faced with a possible foreclosure judgment against me and loss of my home. 
I am being forced to sign a loan modification agreement whose payment terms I do not understand, am not able to compute mathematically, and whose balance includes fees and charges I am not being allowed to dispute or have explained to me by the servicer. 
The servicer is subject to an existing Settlement Agreement with my state 's Attorney General, and my loan is eligible for coverage under that order, but the servicer and its lawyer are forcing me to either accept a loan modification that is not based on my income or ability to pay or be faced with a possible foreclosure judgment and loss of my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
I have received a past due notice on my mortgage from, Ocwen mortgage loan XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. 
My Bank, XXXX XXXX, sends my payment automatically at the beginning of each month between the XXXX and the XXXX. 
My XXXX XXXX payment was sent on XX/XX/XXXX. Ocwen has not cashed it yet. I called and talked with XXXX, customer service number XXXX. He insinuated my Bank was at fault because they are the senders. 
I had the same problem XX/XX/XXXX with Ocwen and I wrote a complaint you people because of a similar complaint in XXXX of XXXX with Ocwen. The difference in XX/XX/XXXX the mortgage payment was sent on XX/XX/XXXX and cashed on XX/XX/XXXX by Ocwen causing a late fee. XXXX and XXXX were resolved pursuant to a complaint made to your agency in XX/XX/XXXX, except for an erroneous late fee they keep sticking on my bill, which I was told would be taken care of, but never was. I do n't know what happens in XX/XX/XXXX, at Ocwen. The other 11 months seem to work sort of, the only problem that continues is an arbitrary late fee that appears from nowhere. This situation is getting extremely aggravating. I have through my bank very detailed documentation if needed. I hope this can be taken care of permanently at this level. I thank you for your past help and your patience for doing this line of work.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Greetings CFPB my family and i experienced a deadly ef-4 tornado in XXXX Tx. 
we are underinsured as it stands aside from this traumatic experience our insurance cp paid a moderate amt barely to cover our roof and interior damage, the check was made to both Ocwen loans and myself, Ocwen has send XXXX of the check, the check was for XXXX Ocwen send less than XXXX, and is playing games stating that i will receive a call in 3-5 business days, this is not only deceptive it is a blatant lie they are trying to keep the money, i was misled to believe if i paid the XXXX which i have XXXX to be precise this is hurting my family we lost alot of our contents which we dont have coverage we had a minimum fire policy which did cover wind thank XXXX but we are suffering and Ocwen appears to have done this to other consumers click this link after you read the paragraph of a consumer to the far upper right click comments i found other consumers are told the same thing misleading them to believe they will be called for an inspection in " 3-5 '' days it is a lie in fact i will request phone records as i have not received a single call from Ocwen for an inspection see link : XXXX please see the devastation in this video a pastor recorded of me and my husband this tornado is devastating we dont have any other means to repair our home as i am XXXX, Ocwen should release the funds i have faxed proof they were sent copies of the Cashiers check where i paid the contractor in full. 
please help me i am devastated, Respectfully XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: UT

Complaint narrative:
I became aware that my mortgage had been sold to another company when I got a letter form Ocwen mortgage services dated XXXX XXXX, 2015. We closed on home XXXX XXXX with a first payment due on XXXX XXXX. On XXXX XXXX I received a letter form Ocwen saying my hazard insurance had expired and they were planning on buying insurance for me. In my state you ca n't close on a mortgage loan with out home insurance. I called the people we got our loan from and they said that information was included when the loan was transferred but they would go ahead and again verify that we had insurance on the house. On XXXX XXXX, 2015 I received and account statement that said my first payment was due on XXXX XXXX but the amount due was {$910.00} which was {$400.00} more than the amount on our closing papers. two days later I got a phone call from Ocwen asking me to verify my account by giving her the last 4 digits of my social security number which I refused to do. She then said I could verify my account by giving her information from the account statement. I gave her the property address and the amount due and she told me that was incorrect. I ask how that could be incorrect since I was reading it from the account statement I had just received from Ocwen. 
She again repeated that it was incorrect and that I could verify my account by giving her the last 4 digits of my SS # and that is where the conversation ended. On XXXX XXXX, 2015 I received another account state form Ocwen with the correct information but I have never been asked to verify any thing since that first statement. On XXXX Ocwen sent me a privacy statement saying they sometimes share information with other financial companies. My unofficial count of companies having my information is about 8 right now. 
On XXXX XXXX, 2015 I received a letter from XXXX XXXX saying they had purchased our mortgage on XXXX XXXX, 2015 but they were now selling it to Homeward Residential and that I should make my payments to them. If I sent payments to XXXX they would be refused. I have never received any payment information form Homeward so where do I send payments for my loan. If I ca n't make a payment on the loan I will be in default and that will lead to foreclosure. I just applied for a home equity loan so I can pay off who ever has the loan but it now seems nobody wants to claim it at least not until I have missed some payments and then I expect Ocwen to inform me that I am late on my payments and they are going to start the foreclosure process

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: UMPQUA HOLDINGS CORPORATION
State: WA

Complaint narrative:
I was in chapter XXXX for past three years during which time my wages were garnished and according to trustee documents over {$36000.00} was paid to my mortgage company yet they state they never received and now county is wanting to auction my property for unpaid property tax which should have been included in my payments when I tried talking to mortgage company they stated let 's get you in home preservation first then we will look into it they never have

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 2016-05-11 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: AZ

Complaint narrative:
When I lived at a residence in XXXX during my time at XXXX, we leased from XXXX. When I moved out, I spoke with the rep who said we did n't need to do anything else, but they kept the security deposit due to a need for cleaning/paint. They gave me a final bill that stated our balance was " {$0.00} ''. Fast forward about a year, and I started getting calls from Hunter Warfield/ collections agencies saying that I owed XXXX over $ XXXX for " new paint '', despite the fact that they kept the security deposit already for this, and had provided me with a {$0.00} final balance statement. 

Whenever I tried to contact XXXX to correct this mistake, they refused to take my call, nobody was ever at their office, and they began blocking my calls. However, every time I confirmed the situation with the collection agency ( who said they would close the case ), a few months would go by and someone else would call again, saying XXXX refuses to drop the case. 

Most recently, I have looked up XXXX and they have been shut down, and they were discredited by the XXXX and removed from the site for failing to comply to necessary standards.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
For over seven years I have had been requesting why the mortgage servicing company would show a past due on my monthly statement. Each time I would get a form letter stating that I would get a response within XXXX days - NEVER got any additional response. It was easier to change the servicing companies - XXXX, XXXX, XXXX XXXX XXXX, XXXX and Ocwen in XXXX years. During that period the servicing companies made payments for insurance and taxes before the due date ( my on time payments were returned as the bill had already been paid ) - I DID NOT ESCROW, I paid myself. I believe that there actions were in an attempt to build a reason to foreclose. In XX/XX/XXXX XXXX XXXX ( law firm in XXXX ) got involved. I provided copies of my requests for a detailed statement with explanation of what I owed. FINNALLY - a letter from XXXX of XXXX/XXXX/XXXX provided a statement.. I provided copies of the cleared checks and copies of the checks returned by the servicing company accounting for all the months on the statement up to the time ( XXXX/XXXX/XXXX when I stopped making payments as they were just returned. I also included proof of payments for insurance and taxes ( with letter from Tax commissioner when my payment was received after the mortgage company had paid, although I PAID ON TIME ). I Itemized what was due ( taxes and monthly interest payments since they began to return my checks ) and offered to pay in full {$34000.00} the total amount due through XX/XX/XXXX. I have NOT received a response. There efforts are to get the court to put my loan in default and foreclose. During the last months I have receive a stack of documents the lawyer has sent to the court. I have responded to the court each time providing the background as I am now doing. 
I believe the actions not taken to resolve and taken in a effort to foreclose is a crime against a senior.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION
State: GA

Complaint narrative:
My mortgage company advised me XX/XX/XXXX that it would suspend all collection and interest activity due to me having experienced a home fire and the home not being habitable. Since XXXX MT Bank has held funds in excess of {$89000.00} and is aware of my intent to payoff the principal balance due, especially since they had failed to cease collection, interest and unlawful escrow practices. I spoke with a supervisor XX/XX/XXXX who assured me that all erroneous interest and escrow balances that have increased the amount due since XX/XX/XXXX would corrected, removed and my payoff balance adjusted accordingly. The deadline she gave me has passed and no thorough investigation or ownership of my unique situation has occurred. I have spoken continuously with representatives from MT Bank, and kept logs of all correspondence since XX/XX/XXXX, and have constantly received confusing and incorrect information regarding my intent to pay off the principal loan balance of {$68000.00} as reported on my credit file and have the difference of my withheld funds in the amount of {$21000.00} returned to me. Currently they remain in violation of the Act and continue to hold my funds unlawfully with no interest accruing in my favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HW Holding, Inc
State: TN

Complaint narrative:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Ocwen Loan Servicing LLC continues to threaten additional servicing fees for the purpose of adding insurance I already have. On XXXX/XXXX/15 I sent the first Qualified Written Request under RESPA answering their requests for insurance dated XXXX/XXXX/15, XXXX/XXXX/15, and XXXX/XXXX/15. Required documents were submitted but I never received 60 day response ( nor acknowledgement ). On XXXX/XXXX/15 I sent another Qualified Written Request under RESPA in response to Ocwen 's revived demand for insurance dated XXXX/XXXX/15. All requested documents were sent again. Now in a letter dated XXXX/XXXX/15, Ocwen threatens to tag on an additional {$620.00} yearly to servicing fees for insurance I already have. They claim they do not have evidence of insurance coverage, even though I sent it multiple times to their designated fax number ( XXXX ) XXXX. My transmittal confirmation sheets show their receipt. The internet is full of consumer complaints about Ocwen, suggesting habit and custom on the part of Ocwen 's ongoing servicing violations.

Company response to consumer: Closed
Consumer complaint received 2016-02-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
Prior to renewing my mortgage, An Ocwen broker stated that I had to be delinquent to qualify for a lower rate. I paid late to get a better rate and Ocwen filed documents about delinquent payments. I currently make my payments by way of direct deposit and get charged fees for late related charges. Payments are made timely and never missed. Ocwen informed me that the fees are for prior year late payments and/or postage fees. Ocwen refuse to remove the information from my credit report and is being unfair about the additional fees. The mortgage company is also showing a deferred balance on my account that should have been included in my refinance. I only requested a lower interest rate and not an extension of fees for time to pay. The changes was suppose to be a part of a government program not Ocwen 's program.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: DISCOVER BANK
State: PA

Complaint narrative:
In a attempt to clean up my debit with discover I agreed to a XXXX time payment for this monthly only of XXXX   and XXXX a month starting next month the company took XXXX this month causing overdraft fees and causing me to have to pay XXXX per transactions  that bounced. I never agreed to XXXX this month. To make matters worse they refuse to fix the problem and the number they gave me to call for any problems is not available during the hours the  rep told they were open. I spoke with a manager at discover XXXX call center named XXXX and he refused to help or transfer to the general manager and told the problem would not be fixed  for days. meanwhile my account is still racking up charges..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: DISCOVER BANK
State: NY

Complaint narrative:
XX/XX/XXXX I received an offer to apply for a Discover credit card in the mail. My family and I were going on a trip to visit family in XXXX so I thought it was perfect timing as I could use the card for expenses. At that time, I had a credit score of about XXXX according to Discover and was given a credit limit of {$5500.00}. Unfortunately, due to a inaccurate negative credit reporting by XXXX, XXXX my credit score was lowered substantially. As of XX/XX/XXXX XXXX, XXXX has agreed to remove any and all negative credit reporting from XX/XX/XXXX through XX/XX/XXXX. This was the only negative item on my credit reports. Once Discover was notified that a recent approval 's credit score had been lowered they decreased my credit limit from {$5500.00} to the current balance which was approximately {$2000.00} ( hotel in XXXX and an XXXX ). Now my credit score has been hurt even more because this Discover Card reflects as a " maxed '' out credit card on my credit reports. I understand Discover has to do their due diligence but this was just a snowball effect that I lost sleep over trying to stop that began with the incorrect and inaccurate negative information reported from XXXX, XXXX. I am not in financial despair. I actually received a pay raise from my employer this week, an employer that I have spent 10+ years with. Also, to make matters worse I received a call from Discover asking about my financial well being since I had a maxed out credit card. This was disheartening. Although polite, the Discover Card representatives did not know how to handle the situation once I explained it. Their only direction provided was to apply for an increase. Obviously I did not do this as it was just cause continued problem. I understand the financial world. However, this was not my fault and reducing my limit only made my situation worse. I am a honest customer. I am a loyal customer. I always pay my bills. I have never and will never file bankruptcy. And most importantly the situation that caused all of this was not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
I am writing because the servicer Ocwen continues to violate my rights. I previously filed a complaint with the Bureau of Consumer Financial Protection regarding this issue. 
Ocwen in response to my complaint adjourned the Auction sale date to XXXX XXXX, 2015 pending the out come of their decision on my modification package, only to later inform me that the investor does not allow modifications. 
I then was told to send in another package for a short sale only by XXXX XXXX, 2015, which I did. Once the package was received I was then told that it was to late. 
Moreover, I was informed that my mortgage was being transferred to XXXX loan servicing on XXXX XXXX, 2015. 
Moreover, Ocwen has refused to send me proof of debt or copies of original loan documents. I have been discussing the transaction with someone and I ca n't recall signing any loan docs prohibiting me from modifying my loan. 
I am challenging this debt because as a whole I believe this debt is a fraudulent loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
Ocwen Loan Servicing is currently pursuing the prohibited practice of " Dual Tracking '' while I 'm being reviewed for a loan modification. Ocwen has scheduled a foreclosure date of XXXX XXXX, 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
On XX/XX/XXXX I entered into an agreement with The XXXX XXXX XXXX XXXX XXXX for a Home Equity Loan in the amount of {$53000.00}. The terms set forth as shown on attached document required me to pay {$610.00} each month starting on XX/XX/XXXX and ending on XX/XX/XXXX. Per the aforementioned terms I made ALL payments. As can be seen from the attached document, payment was made for each month and the last bill due in XX/XX/XXXX was sent and paid as agreed. Ocwen has either been servicing the loan or may have also purchased the loan but they are now telling me that I owe {$4300.00} - an amount that they have not qualified. If I have made all my payments as agreed and comply with all bills/statements sent by them, why would I have this amount owing? Please help me as I need the title for my property. I have sent them several letter and they have not responded, I also called several times but get a different answer as to the reason for the balance. Please help.

Company response to consumer: Closed with explanation