vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-07 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Ocwen submitted XXXX information misrepresenting the date of the " forgiveness '' as being XX/XX/XXXX when, in fact, the date was XX/XX/XXXX. The date is significant when filing state tax, as the state of CA does not allow the omission of the forgiveness as " income '' after XX/XX/XXXX. Furthermore, Ocwen sent a corrected XXXX but it did not reflect any changes in the incorrect date. The CA XXXX XXXX XXXX is under the erroneous assumption that the $ XXXX forgiveness occurred in XX/XX/XXXX due to Ocwen 's misrepresentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I took out a 30 yr loan with XXXX in XXXX. Thereafter, in XX/XX/XXXX, the loan changed hands to Litton and then to Ocwen in XX/XX/XXXX. Ocwen says that the loan is a 15 yr loan and that it is due and payable. Upon my request, they sent XXXX document that conflicts with all of the attached records. I have no explanation for this document. However, they have no explanation for the attached documents. My records clearly show that the loan was for 360 months or 30 yrs. It should have approximately 10 more years left. I have attached copies of the original loan documents from XXXX. Interestingly enough, I have noted that all of the figures do not match. However, the one thing that is in common with all documents is that the loan was for 360 months. At various spots on Ocwen 's website, it shows that the loan is a 30 yr loan. I have made copies of each of those pages, they are available if you need them. It seems that I have been blocked off their website as I can no longer get information off their website. I have sent numerous letters to Ocwen to try and straighten this out with no results. Ocwen does not accept the monthly mortgage payments, even though I continue to make them. They just send the payments back saying credit refused. I have all on time payment records for several years back, they are available if you need them. To make matters worse, they are reporting to the credit bureaus that payments are not being made at all. It seems that they are killing my credit to force me to pay the balance in full. The balance is approximately {$38000.00}. I can not afford to pay the loan off, if I could I would. Ocwen has not made any attempt to foreclose on this property even though this has been going on since XX/XX/XXXX. Even stranger is if the loan did mature in XX/XX/XXXX, why are the showing monthly payments not being made after XX/XX/XXXX up to XX/XX/XXXX? If they were right, I am sure that they would have tried to foreclose. The whole thing is at a standstill, I pay and they send the payments back.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
We have a mortgage with Ocwen, XXXX, FL XXXXXXXXThe property is at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXAccount number XXXXIn XXXX 2011 we found that we could no longer afford the house. Because we both have bad health our son asked us to move closer to him, XXXX, XXXXWe put the house on the market with XXXX XXXX, at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX. The house was being sold as a short sale. XXXX XXXX found an interested buyer with cash. The buyer agreed to all of the terms Ocwen requested. Ocwen proceeded to drag their feet and after many weeks went by the buyer went elsewhere. 
After that point Ocwen told me that I had to have everything removed from the house, appliances, window treatments, everything down to the bare shell. I told them we could not afford the house and they should go ahead and foreclose, an empty house was not going to sell. When the buyer walked away so did our realtor, he said he could not deal with Ocwen anymore. 
Since that time Ocwen has continued to call us numerous times a week, starting at XXXX and continuing until XXXX. 
Every week we get numerous letters from them. They say we 're in foreclosure but continue to harass us. With continuing medical problems that both my husband and I have we ca n't stand the constant calls. We find it difficult to understand what they are saying and asked them not to call, just go ahead and foreclose. After that last conversation I had with them I have received a half a dozen phone calls in one week and numerous pieces of mail. Some of the mail says that I requested it, which is not true. This company ignored a buyer with cash, the only offer to buy on this house. Now they hound us daily. 
If you can do anything to resolve this matter it would be greatly appreciated. If the house had gone through the short sale we would have received approximately {$2000.00}. I think that 's why Ocwen did not accept that sale. Then telling me everything had to be removed from the house, which I did. But I 've spoken with other people and they say they 've never heard of such a thing. 
The price of the house keeps going up with them. A once {$35000.00} house they now want $ XXXXXXXXI think they are crooks, there was absolutely no reason for them to turn away from the cash that was offered, which was an amount they had set. 
They keep saying it 's in foreclosure but they 're doing nothing but harass us. 
Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
Due to health concerns I was not able to work my XXXX as strong as possible and due to reduced income I became delinquent on my Ocwen serviced mortgage. In XX/XX/2015 I continued to work with Ocwen providing them enough documents for a complete package. Recently, underwriting Ocwen declared that my loan modification request would be denied because of too many loans in a certain " investor pool '' having already received a loan modification and therefore they are closing out my case and giving me a denial. Upon conversations with mortgage professionals and visiting a HUD approved housing counselor, everyone said that this was the first time they had heard of this reason for not allowing a loan modification. I would like to have someone follow-up to see if indeed this reason is legitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Dear XXXX, I am just writing back to let you know that I have not received a response to my complaint at Ocwen Loan. I have submitted my letter of complaint last XXXX XXXX, 2015. As of today I have not received anything from them aside for letter stating that my case is still open. My case number was XXXX. I apologized that I have to write you again for follow up. I am just very concern about this lack of response coming from Ocwen Loan. My bankruptcy case was discharged last XXXX XXXX, 2015. As of to date, they have not updated their records. I am still on bankruptcy on their records. They have not done anything inspite of my multiple calls to them and letter from my lawyer. The sad part, I can not refinance to a better rate because they are not updating my records and there credit report on me. In short, I am still not moving after 6 years after the bankruptcy. All my records has already been faxed to you through my previous letter. 
Thank you very much for your very kind assistance. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: WI

Complaint narrative:
Ocwen consistantly provides inacurate information regarding payment amounts. We have been denied credit due to the the negative information on our credit report. I have been trying to get this revolved for 1 1/2 years. The State Department and the State attorneys office have both told me to retain a lawyer. I would but I do not have the funds available to do that..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
OCWEN Mortgage company updated their ACH part of their website and somehow lost my payment that was scheduled to come out XX/XX/XXXX. They have blamed me for this mistake several times. Today XX/XX/XXXX I get a letter in my email that blames me for cancelling my payment. I never cancelled my payment! They just never want to be responsible for any mistake they make. This is poor customer service to say the least. This letter that they just sent is 3 1/2 month after the incident. It made me wonder why would you send it to me now? What are you trying to cover up?

Company response to consumer: Closed
Consumer complaint received 2016-07-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me instead of my attorney
Company: HW Holding, Inc
State: MD

Complaint narrative:
This debt was first incurred in XXXX 2013. I refused to pay the creditor rent in the form of cash because of lease and data breach. The conflict started when I transitioned to the property who in turn denied my form of payment was accepted at their company. I was a section XXXX tenant. I was told after section XXXX not only inspected the unit, but began sending payments to XXXX after the rental agent accepted my voucher in order to recieve those abatements on my behalf from the housing choice voucher program in XXXX, Florida. I discovered They illegally shared and sold my information to debt collectors ( whereabouts and known income source ) and were caught a part of an illegal debt collection ring. Because of them I was sued for criminal theft by a bill collector for a unpaid credit card bill XXXX XXXX court but the charge was dropped because the judge deemed it bogus and missappropriated. The lease was then breached by the collector XXXX XXXX XXXX who turned down any further payments in the form of section XXXX abatements from XXXX. and blamed the XXXX XXXX that XXXX XXXX XXXX was owned by and they then demanded another form of payment from me immediately after and then they demanded to me turn the property over unless i pay the full amount of rent on the balance. 

So this debt was incurred for the following consumer related issues : *Data Breach *Illegal Debt Collection Practices *Breach of Lease All resulting in public records & court libel, harrassment, loss of assets and property and other incurred debt, expenses, loss of time and psychological damages. 

I feel that after this experience that XXXX should dismiss this action for collection based on the true facts. Their rental agent signed into a lease agreement accepting section XXXX from XXXX XXXX XXXX and then the manager turned down the form of payment after. XXXX did NOT get paid because they did NOT accept my " form of payment '' ... ... After mind you entering into a XXXX party contract that clearly states section XXXX pays this portion ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
Mortgage was paid off several years ago, Originated with GMAC and transferred/sold to Ocwen, all XXXX # 's from GMAC are answered by Ocwen and they can not find the mortgage based on the GMAC loan number or the FHA Loan number. This property is being probated, I am the court appointed administrator of the estate trying to clear the estate. GMAC/Ocwen is in violation of Arizona Revised Statutes requiring a release to be recorded within 30 days of its satisfaction. I am asking for your assistance to get some where with Ocwen, their reputation supercedes their name is lousy servicing and this is another example of Ocwen 's blatant disregard to consumer rights and Arizona State Law/Statutes

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-19 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Ocwen is trying to force an escrow on us. This was closed last year and we thought it was over. Yesterday, XXXX XXXX, 2015 they paid my insurance with no authorization from anyone. In addition, they over paid the premium by almost {$1200.00}. In today 's mail I received information on an escrow and they want to add {$790.00} per month to our payment. We have never had an escrow and do n't want an escrow. And what they are charging is more then XXXX times the cost of our insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
After completing chapter XXXX bankruptcy, I have been getting harassment calls from Ocwen stating I owe XXXX XXXX plus dollars, which is incorrect. First it was stated I missed a payment in XXXX, then after many frustrating calls then it was stated I missed a payment in XXXX, which is incorrect. I have paid my XXXX mortgage payment in the amount of {$1700.00}, which they returned partial payment. They returned {$990.00} and stated they could not take partial payments. I then stated where is the {$750.00} that was sent to you guys on XXXX XXXX. XXXX along with the {$990.00} and it was stated they never got it. All my payments are through my bank with Bill pay from XXXX. Then it was stated they returned the {$750.00} and I stated I never received it. The {$990.00} they returned to me, I sent it right back through bill pay. As of Friday they stated they returned my payment back to my account on XXXX XXXX, XXXX, and as of today I have not receive any funds transferred to the account. At this point I am transferred to the escalation department, and stated by the representative someone would call me back in regards to my funds. Well no one did call back. Now my XXXX payment was sent on XXXX XXXX through bill pay like always. 
The part that has me stressed is the fact they are holding on to my funds stating they returned it, second they are telling me my mortgage is {$1700.00} a month which in fact is {$1700.00}, third how can you say I missed a payment when the books and the book keepers are not accurate when they ca n't even get the correct amount of the mortgage payment, and fourth, the last analysis on the account was in XXXX which states I have a sur plus of {$640.00} but I ca n't be told what happened to the funds because they do n't have a record of it and they do n't see this information in the system. As of XXXX, I have not received any analysis on my account. I thought this is done yearly? So here it is I am harassed about money Ocwen states I owe but yet they do n't apply the funds and then lie and say it is returned. {$750.00} + $ XXXX, so how do you keep {$750.00} and do n't account for it. The only best thing to this is bill pay has every transaction from credits to debits on the account and who the check was made out to.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 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 requested proof of insurance in XXXX XXXX and it was Faxed to them. It was also verified that they received it. They made another request saying they did not have it in XXXX XXXX. It was again Faxed on the XXXX of XXXX XXXX and the confirmation faxed number is XXXX and XXXX at Ocwen Loan Servicing verified that they had received it. Then on XXXX XXXX, XXXX received another letter saying I needed to send proof. I then contacted the XXXX XXXX XXXX XXXX and they sent verification to Ocwen Loan Servicing on XXXX XXXX. Inspite of all these verifications Ocwen Loan Servicing put additional insurance on my condominium and charged me and additional {$180.00} dollars a month since XXXX XXXX. Their policy cost {$670.00} dollars which I have paid and they are still collecting {$180.00} dolllars monthy above the mortgage payment. I was advised by my attorney to contact you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
we had a mortgage with Homecomings Financial back in XXXX and in XXXX we became delinquent on the Mortgage. First delinquency was XXXX XXXX. By XXXX we received threatening letters and by XXXX XXXX we got a Letter of Default from Homecomings. Throughout XXXX we were delinquent but because we were frightened by worked hard to pay what we could. In XXXX XXXX Homecomings Financial transferred to GMAC. GMAC took a final payment from us and applied it XXXX XXXX XXXX then reset the clock for our first delinquency as XXXX XXXX XXXX. After that they started foreclosure proceedings even though we were attempting loan modification and short sale. By XXXX XXXX they foreclosed. Ever since they have counted seven years from XXXX XXXX as if that is our first delinquency but it is NOT. We are now actually almost eight years past first delinquency which was XXXX XXXX. But GMAC went bankrupt in XXXX. The credit agencies will not respond to our multiple disputes ( more than XXXX ) and GMAC is not reachable. We can not buy a house or borrow money. The foreclosure remains on record and the credit reporting agencies continue to reject our requests to delete the account from our record now that seven years has past. Now they are saying it will go off record seven years after the last activity which is the last time GMAC forced money out of us. That can not possibly be legal. We need help. There is no way foreclosure can stay on your record for ten years just because GMAC is bankrupt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
The actions being taken against my dwelling by OCWEN LOAN SERVICING , LLC and it 's agent XXXX, XXXX XXXX XXXX , XXXX & XXXX XXXX XXXX in the Circuit Court of XXXX County is in violation of the Consumer Financial Protection Bureau Consent Judgment # XXXX against OCWEN FINANCIAL CORPORATION and OCWEN LOAN SERVICING , LLC ( OCWEN ) for violating numerous laws, including but not limited to the Unfair and Deceptive Acts and Practices law and the Consumer Financial Protection Act of 2010. 

A FDCPA demand was mailed in XXXX XXXX and as of this date the Respondents have failed to provide evidence required by the CFPB and under the FDCPA that OCWEN is a 15 USC 1692a ( 4 ) creditor, yet is proceeding in an action that would be in violation of 15 UCS 1692g to cease and desist absent verification.

Company response to consumer: Closed
Consumer complaint received 2016-06-08 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
Am a licensed Realtor representing a seller in Ohio who is in the process of a short sale withOcwen. I am having difficulty with their XXXX division however when I speak to someone in the US I get results. Have been given approval on short sale but needed extension on closing. Have rec 'd numerous emails from Ocwen asking for the same docs they already have. Every time I send the newly signed ( requested docs ) to XXXX I get messages that they ca n't read the attachments or faxes. Very frustrating to both my seller and the buyer. Is there anything you can do to help us? This is taking way too long and I do have extensive experience handling short sales so it 's not a failure on our part. 
Need compliance!

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: CO

Complaint narrative:
Ocwen took my loan over when we filed Chapter XXXX in 2011. It has been a nightmare ever since. I do n't believe any of my loan information is correct. We are still in Chapter XXXX and Ocwen is calling me ( first call was on XXXX, yes, a Sunday XXXX to tell me I owe them over {$10000.00}. Absolutely incorrect and illegal since we are in Chapter XXXX. When Ocwen took our loan over, they gave us a modification which reduced our payment amount to {$1200.00}. They are now saying our payment amount is supposed to be {$1500.00}. I have documents showing the {$1200.00}, but I guess they ca n't find them. Most recently I received a bill for {$9700.00} and corrected tax document which will make me owe the IRS. I do n't think any of it is correct. I ca n't ever speak to anybody that speaks XXXX so I totally understand how nobody knows what is going on. Ocwen does have a consumer omsbudsman, who does speak XXXX, but they have n't done anything but lead me on as well. The omsbudsman said to give them 15 days to get it corrected and that was the day after XXXX XXXX XXXX XXXX ). I have received documents stating they will charge me for insurance on my home because I do n't have any, again, absolutely incorrect. I have requested a complete audit of my account from an outside source, but have not received any response. I am unable to scan all the documents in today, my scanner is not working. I did take photos and attached a couple of documents I 've received showing the amount I owe, it too changes all the time.

Company response to consumer: Closed with explanation