vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: OH

Complaint narrative:
Your submission, [ Case number : XXXX ] XXXXXXXXXXXX how do I get this counselor I believe everything they are doing to me is illegal and I am being treated unfairly I still have not gotten any paperwork from them other than the paperwork I will be sending them back for my situation. They returned my XXXX dollars I sent to them they would not except it like always they deny my payments. I send to them.They lied and told me they never received that check when they did. I ca n't control the mail or how long it sits on there desks before they decide to process it. I have been lied to time and time a gain from there receptionists who answer calls and managers and supervisors and they will not assign one case manager who knows exactly what is gonging on with my specific case. I believe the are in fraud for WI standards and need help. Were do I go from here are there XXXX lawyers who may help me with my case against Nation Star. Thank you for your time and help XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
Our mortgage thru Ocwen matures XX/XX/2016, Loan # XXXX XXXX. I went to their website secured sign on and got a payoff quote valid thru XX/XX/2016. I then called Ocwen about how to submit payment as I bank with XXXX XXXX and that is also their bank. I could simply go on line to payoff loan. However, I was told it had to be paid either by certified funds via overnight mail or their preferred method by bank wire transfer. My wife then called Ocwen and was told the same thing. I went to XXXX XXXX to make wire transfer and my personal banker thought the wire transfer was inappropriate as both accounts were with XXXX XXXX. Her idea was a direct deposit from my account to Ocwen. She also called Ocwen and was told that was not acceptable, that only wire transfer or certified funds were allowed. So we submitted the wire transfer, which had a {$30.00} fee. She noticed an unusual entry upon doing the wire transfer and called her supervisor for clarification. Ocwen actually has a stop on allowing direct deposit transfers. My complaint is simply paying a wire fee is an unneeded expense and additional waste of time. I feel this an added burden imposed by mortgage companies. Ocwen also does n't accept emails, as I wanted to contact them about this problem. Finally, their customer service is apparently outsourced to XXXX and understanding their operators can be very difficult. Thank You : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Green & Sons Agency, Inc.
State: UT

Complaint narrative:
The company is reporting an outstanding balance in collection for a debt which I paid in full, or perhaps overpaid, through a Chapter XXXX bankruptcy. 

I disputed the information inaccurately reported on my XXXX credit report, but the collection agency refused to correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22 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: AZ

Complaint narrative:
I keep getting calls from XXXX for someone other than me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Our home owners insurance is made with our monthly payment to Ocwen financial service. The invoice from the insurance company is sent out in XXXX, and is due XXXX XXXX. As is the case this year and the past two years, Ocwen does mske the payment prior to the home owners insurance policy lapses.

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

Complaint narrative:
Ocwen Loan servicing LLC took over our mortgage from IndyMac in XXXX of XXXX. IndyMac took our automated payment out on the XXXX of the month instead of the XXXX as scheduled causing an overdraft that snowballed. In the end we were {$980.00} overdrawn. 
We finally caught up 60 days later and began making our regular payments. We were assured that if we kept the account under 90 days late we would be fine. In XXXX of XXXX Ocwen put us on a modification plan without notice. I had turned down the modification earlier in the year as it added {$200.00} to our payment that we could not afford. In XXXX I sent the regular payment. It was returned at the end of the month for being less than the modification payment. This pushed us over the 90 day limit and Ocwen froze our account and would not accept any payment other than the full amount. 
In the interest of keeping our home we worked closely with Ocwen to bring the account current to no avail. In XXXX of this year we applied for a principal reduction through XXXX ( XXXX ) and were approved. In XXXX XXXX sent Ocwen {$27000.00} ( approx ) which Ocwen accepted and then sent us a notice that we were not eligible for their loan modification as we did not send all necessary documentation. We were then sent the monthly mortgage statement listing the XXXX payment and listing our new payment due on XXXX XXXX. We then received a new notice from Ocwen this month stating that our loan modification was approved and our payment was due on XXXX XXXX. 
I have made repeated calls to Ocwen and have gotten XXXX different quotes on which payment plan we have, the payment amount, and the due date. 
I also contacted Fannie Mae ( as Ocwen is their subsidiary ) for intervention and they have not returned my calls or made any move to correct the issues. 
Today ( XXXX/XXXX/XXXX ) Ocwen called requesting the documents to approve the modification plan! 
Their incompetence is beyond belief and is causing me undue stress and anxiety.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Wakpamni Lake Community Corporation
State: TX

Complaint narrative:
I took out a loan from XXXX Boulevard Cash '' back in XXXX 2015. Unfortunately, due to circumstances, I have not been able to re-pay the loan. While I understand this is a debt that must be paid, I can not make the payments right now. I have communicated that to the debt collector " XXXX XXXX '' who calls me on a weekly basis to follow-up with my status. Back in XXXX 2015, XXXX XXXX started calling my work daily and would give information to my colleagues. Since I work at a XXXX, the debt collection calls at work were inappropriate and I contacted Boulevard Cash to stop calling me at work. They agreed to remove my work phone number. However, today, I received a voicemail from Boulevard Cash at my work number. XXXX XXXX was following up on the same debt that has been pending with Boulevard Cash. I have asked for him to provide me IN WRITING with the debts that are owed. He stated on XXXX different occasions that he would and I sent an e-mail to " XXXX XXXX '' to give me the debts in writing as well, with no luck. I would like Boulevard Cash to be made aware that they CAN NOT call me at my work number. The only number that I should be contacted at is my cell phone number, which is the number they already have on file : XXXX. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
After realizing that my rescission rights were still effective due to the fact that my loan has not yet been consummated under the laws of California, I sent Ocwen Loan Servicing , LLC a letter rescinding my loan on XXXX XXXX, 2015. The letter was mailed to Ocwen Loan Servicing , LLC on XXXX XXXX, 2015 and received by them on XXXX XXXX, 2015. I have attached a copy of the letter as well as the follow up Notice of Non-Compliance. I was fully prepared for Ocwen Loan Servicing LLC to file a lawsuit against me to challenge the notice of rescission, but they did not within the XXXX day statutory period provided under the Federal Truth In Lending Act. Under the Act, the creditor 's interest in the property is " automatically negated regardless of its status and whether or not it was recorded or perfected ''. Under the Act, Ocwen Loan Servicing , LLC had XXXX days from XXXX XXXX, 2015 to challenge my Notice of Rescission by filing a lawsuit against me. They have failed to take any action regarding my Notice of Rescission in any way. Because of their failure to challenge the rescission, they have forever waived any and all defenses to my rescission. Under the Act, Ocwen is now in violation of the law, and they are blatantly disregarding my loan rescission rights. As previously mentioned and attached, I have sent them a letter of non-compliance and have requested they cancel the sale date that is scheduled on my home Wednesday, XXXX XXXX, 2015 and that they forward me a release and or a reconveyance as required under the statute. I am filing this complaint to inform the CFPB that Ocwen Loan Servicing , LLC continues to ignore the law and that they are in violation of a Federal Act. Their actions are in direct violation of federal and state laws. I request the Consumer Financial Protection Bureau take some kind of disciplinary action against Ocwen for their blatant disregard for the law and for attempting to pursue a foreclosure on a deed of trust that has been canceled by operation of law. I am hoping with your interaction, Ocwen will choose to abide by the Act and take the necessary steps that is required of them by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
Ocwen is the servicer on our Mortgage. We have been in our home for 20 years and they claim we owe XXXX. The loan was transferred to them around 2008 and has never been recorded in the Court. We have constantly asked for proof of how much we owe, it has never been provided. Now they are trying to foreclose on our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: AE

Complaint narrative:
My payments to OCWEN are supposed to include tax payments to XXXX and insurance payments. A few months back I received notice from the insurance company that my policy had been cancelled due to lack of payment even though all my payments to OCWEN have been on time. Then I found out that OCWEN purchased another policy for me that was more than double the cost of the policy they let expire. I have since found another insurance policy for a much more reasonable price and I have paid in full for the entire year. Now the issue is after phone calls and letters, OCWEN will not readjust my escrow payment so I am still paying a higher price they originally calculated. I never chose OCWEN, this company was forced on me When Indy Mac sold my original loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-26 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Kansas Counselors, Inc.
State: SC

Complaint narrative:
Debt is not valid. At time of services we had 100 % coverage for medical. I called the office and they admitted to filing under wrong XXXX and stated they would confirm with XXXX and remove the debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: MO

Complaint narrative:
Ocwen loan servicing assumed my mortgage roughly 2 years ago. When they assumed the loan, I had a payment trailing due to my husband losing his job after a XXXX related to his XXXX XXXX. I have tried multiple times since then to resolve the issue. Ocwen will only offer me loan modification and that is not likely due to my current credit issues. I have paid extra to Ocwen but they hold the extra that is paid and do not apply it. Currently there is {$350.00} sitting somewhere and not being applied to the mortgage ( see attached pictures ). Ocwen has also charged me fees such as {$25.00} to come to my home to place a note on my door stating to call them because of a late payment ( payment that was not paid when they assumed the loan from XX/XX/XXXX ). When I called them about this issue they stated that they need to make sure that the property is still occupied. I demanded that this stop due to the fact that I was making a monthly payment to them every month and had tried to resolve the issue multiple times. It did stop at that point. 
In XX/XX/XXXX, my husband and I were forced to file bankruptcy due to him still having issues and being unemployed. I have been making my mortgage every month and intended to keep my home. Ocwen has filed paperwork stating that I have not made a mortgage payment to them since XX/XX/XXXX, though I have the bank statements and cleared checks to prove otherwise. 
This company is fraudulently attempting to foreclose and will work toward a resolution. They refuse to give a forebearance and place that payment at the end of the loan. They have only offered modification which I have explained I do not need. I can afford to make the payment but I can not come up with the over {$2000.00} in overdue and fees that they state that I owe. 
In XX/XX/XXXX, they refused to accept a payment from me because I was in Chapter XXXX even though I called to make a payment to them. After much run around, I was finally able to obtain an address to mail payments to and began sending my monthly payment to the address that I found. When I send the payments, it takes over XXXX weeks to clear and they are stating that they are not receiving those payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13 00:00:00
Product: Debt collection — Mortgage
Issue: False statements or representation — Indicated committed crime not paying
Company: HW Holding, Inc
State: RI

Complaint narrative:
Was curious to check my credit score online only to find out I owe {$320.00} which I was not aware of from a previous complex I used to rent an apartment from. Being a seasonal employer was there for XXXX months & paid my rent till I moved out & left for XXXX in XXXX 2013. Never got an email nor phone call stating I owe them money & I shared my apt with another person.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
I had set up a direct payment of monthly mortgage from my brokerage account. OCwen was pulling payment from the account. I moved the brokerage account and set up an auto payment EFT TO Ocwen. They did not stop trying to pull from the old account after being notified of the new account. The mortgage was being paid from the new account but now they have put a restriction on the mortgage and want payment by bank check or money order EVEN thought the mortgage has been paid each month on time from the new account. Ca n't get it resolved with there " customer service ''. Frustrating

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I have a XXXX loan with Ocwen Loan Servicing. Back in XX/XX/XXXX, I applied for a loan modification and refused the offer. I did not send the paperwork back nor did I agree to the terms verbally. I continued to make my payments every month in the amount of XXXX. After I told them that I was trying to refinance my loan, the company begin an harassment everyone month, when they did not receive my payment after the XXXX day of the month. The company held my XX/XX/XXXX payment because they said that I was on the loan modification program and I continued to tell them that I have never accepted so, they withheld my payment and did not post to my account and reported to the credit bureau that I was late so, now my credit has dropped points due to their mistake and their retaliation against something that I would not agree to them. This company is a very dishonest company and they are bullying their customers and will take any measure to have them stay with their company. I am requesting that they fix my the credit report to credit bureau 's all three immediately. They have no grounds of reporting negative data to the credit bureau if they do n't receive the payment within the 31 days of when the loan is due. I have bank statements that track my loan and they have the loan payments in the system that have these documents as well. Last, I would like for them to decrease my interest rate to 2 % for the remainder of the loan.

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

Complaint narrative:
I have had a GreenTree loan on a mobile home for XXXX years. It was our only option we could find at the time as newly wed first time buyers. Our original loan was for approximately {$60000.00} and was written for XXXX years at 10.5 %. I now still owe XXXX on a XXXX old mobile home that has no refinance value. 
For reference, I am not behind on payments and have good credit ( XXXX beacon ). I feel very taken advantage of as a XXXXyr old first time buyer. I have paid well over {$100000.00} so far and will have paid over {$200000.00} by the time we complete our loan. I understand the cost of financing but feel this is beyond excessive. Dose this not fall into a predatory lending category? I feel like we have more then paid our debt and more then compensated GreenTree for their help getting some kids started XX/XX/XXXX. Enough is enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
I was XXXX of the unlucky homeowners whose mortgage was sold to Ocwen Loan Servicing when GMAC filed for bankruptcy. Since then, I 've had constant escrow shortages. Last year, I asked Ocwen if my taxes and homeowner 's insurance could be taken out of escrow, so I would n't have to pay for a so-called shortage, or a cushion. My request was denied. After receiving yet another shortage notice this spring, I decided to switch my car insurance from XXXX to XXXX XXXX, who insures my home, and this resulted in an approximately {$600.00} drop in the cost of my homeowner 's insurance. 
I then received yet another escrow analysis from Ocwen, stating that my anticipated escrow payments for the next year total {$2600.00}. My property taxes are {$730.00}, my homeowner 's insurance is about {$1200.00} - Ocwen is basing estimated payments on the OLD insurance premium of {$1800.00}. 
I again requested that my escrow account be closed. I want to pay what 's due. I do n't want to pay an estimated amount, or give Ocwen an interest-free loan to pay their XXXX dollars in fines. The denial letter just arrived ; I was denied due to " investor requirements. '' I am done dealing with this company and their incompetent overseas customer service. One of their reps said to me, " That shortage is only costing you about {$50.00} a month. '' I do n't care. That 's a tank of gas, or a few weeks worth of groceries. 
Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
We have a XXXX mortgage on our home and it is a balloon loan that is due in 2017. We are attempting to pay an extra {$500.00} in addition to our monthly payments of {$120.00}. but our mortgage company Ocwen keeps applying a monthly fee to the {$500.00}. extra payment. I wrote " For Principal Only '' on the check and checked the box on the statement for principle only. Our statement shows that we are only paying {$370.00} on the principle and we are several months ahead in our monthly payments. They are trying to make it very hard to pay off the principle, Can you help us? 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I recently acquired a Loan History Transaction breakdown from INDYMAC FEDERAL BANK HOMELAND SERVICING Pg XXXX ( XXXX ) and Noticed a Discrepancy on XXXX XXXX ( Pg XXXX ) were it changed to IndyMac Mtg Svcs /a division of Onewest Bank I noticed the principal did not change for the Year and escrow was not the same. 
Also Ck # XXXX was a Full Settlement Check I never received copies of. 
Violating TILA and RESPA

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
XX/XX/XXXX my then husband and I ended up foreclosing on our home. Our last payments made to the mortgage lenders was XX/XX/XXXX. Once we left the property we received nothing further from any of the Mortgage lenders. Credit reports pulled XX/XX/XXXX showed ALL mortgage accounts as 'closed '. I have these reports. XX/XX/XXXX, well past the Colorado statue of limitations ( 6 years ) I was being sued by XXXX, XXXX, Assignee of XXXX XXXX XXXX XXXX , XXXX. I disputed the claims and now have a Judgement on my credit! The original loan debt was for $ XXXX. The judgement is for $ XXXX!! I have been back and forth with XXXX XXXX whom have just informed me that this is NOT their case and that it is in fact GMAC. Whom purchased the loan from XXXX XXXX back in XXXX XXXX.

Company response to consumer: Closed with explanation