vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
I have a foreclosure sale date of Tuesday XXXX XXXX, 2015. I have submitted a complete loan modification application to my lender Ocwen Loan Servicing , LLC 12 times between XXXX XXXX, 2015 and XXXX XXXX, 2015. My initial submission this time was through XXXX back on XXXX XXXX, 2015. Ocwen contacted me to notify me that XXXX documents were missing and I have provided those missing documents. Ocwen has verbally acknowledged receiving a complete file from me but has not made any efforts to stop the foreclosure sale ( according to the customer service representative I spoke with twice ). They require 30 days to review my application for an affordable loan modification. I was told that they require a complete file more than 7 business days before the sale date and I have met that requirement. I have had a significant loss in my income but have gained permanent employment for 1 year now and desperately want to keep my home so that my family and I will not become homeless. My request is for assistance with obtaining a written notification of the postponement of my pending foreclosure sale date of Tuesday XXXX XXXX, 2015. Also, my request is for assistance with Ocwen providing me with an affordable loan modification so that I may keep my home because that is my desire. I will attach a copy of the file I submitted to Ocwen 12 times within 5 days. Thank you for your time and any assistance you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Our mortgage ws given to OCwen when GMAC went under. Ocwen has not asked for us to sign any loan documents or explain any of our fees. We were paying our loan and trying to modiffy with no sucess. in 2014 my husband got laid offf andthey modified us to a unemployment modnification and made it sound perfect. we were able to keep our home while my husband found anouther job. at 5 months thye cancelled our modification because we were 1 day late on the 1/2 of the payment we owed. once this happened hy explanined to me that now we owed them around {$15000.00} to keep our home. i asked why and how is that possible and they explained that what ever we do not pya on our mortgage we owe at the end of the modification. please tell me someone on unemployment is going to be able to save this kind of money when they are just making it by .... they felt no remourse and would not help us in any way. i had to either find the money or lose my home. what a shock this was. i had to go to a family member and ask for them to loan us money as we had no money and wanted to save our home. since then i have tried to modify my loan and htey refuse. i do have the lowest interest rate as when my loan was with GMAC they were able to adjust my rate with the first HAMP refinance i tried and for 2 yrs unable to make a mortgag payment and then when they gave us the 2 % rate they added what we owed on our mortgage to the back end of our loan so we became under in our mortgage and equity. Ocwen states that due to us not being XXXX or XXXX there is nothing they can do. then why this program to hlep. i am not asking for my payments to go lower i just want my principal to be back where it was. all of thi happened with GMAC and OCwen and is not communicated and when you ask to speak with managment for office of the presidents they tell you there is none and we have to deal with it. There is no concerns or willing to help with this company. i feel that there is something they can do for us. The main parts are the amount of money we had to compe up with to save our home after being on unemployment in the amount of {$15000.00} which no one that has no job has that kind of money, that is unfair and should not even be offered. that is a scam and they know exactly how to get you to think it is so great until the end. they want your home they want you out. 2nd issue is the no resolution to anything. they can not tell you why you are denied on something or what can be done. they just tell you no. there should be notes and detailed reasons for declines. instead it is just a no and you can either short sale or foreclose. i think that should not be a opition ....

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
Good Morning, I am contacting the CFPB again about my account with Ocwen Servicing , Ln # XXXX, Since the last time I have contacted CFPB supposedly the account was corrected. Yet, the account is now showing two payments past due when just the day before it was due for XX/XX/XXXX. I have no clue what is going on as Ocwen sends notices, but nothing matches up to what they are doing. Please note previous complaint as I an get very upset with the manner the account is being handled again. To my records the account is up to date, and due for XX/XX/XXXX. I would like the CFPB to do a complete audit on my accounts as I have no confidence with nor trust Ocwen Servicing. I honestly think they are taken advantage of the loan modification as my balance keeps going up. I had financial problems in the past, but I am coming in good standing these days. Please, please have someone audit my account as I trust you all and have the confidence it will be handled correctly. I am trying to maintain and move forward and Ocwen keeps make changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Revenue Recovery Corporation
State: KY

Complaint narrative:
It shows on my credit report I owe {$530.00} to Revenue Rec. I called to find out what was going on since I never received a bill the guy on the phone told me it was through XXXX XXXX hospital and I owe another {$500.00} and something for a hospital bill to XXXX XXXX XXXX. I told him I didnt get a bill for either XXXX and I have XXXX and XXXX he insisted he talked to me in XXXX 2015 I tols him he didnt talk to me and that I have XXXX and XXXX. He said I would have to take that up with the insurance company but it was probably to late. I told him yea because no one ever gave me notice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Meyer & Njus, P.A.
State: IL

Complaint narrative:
I. Meyer & Njus P.A. sent me a letter stating 1 ) they had been retained by XXXX, 2 ) notice of opportunity to contact within 30 days to dispute the debt, and 3 ) a statement they are a debt collector. The letter was delivered uncertified. 

II. I responded on XXXX/XXXX/2015. In that letter, I asked Meyer & Njus, P.A. to validate the debt. The letter stated to respond to a specific Notary Public ( who would verify and validate receipt of said validation ) within 30 days. The letter was sent by certified mail and received by Meyer & Njus, P.A. 

III. I also pulled down my credit report and saw that this debt had been charged off. 

IV. I was served with a lawsuit on XXXX/XXXX/2015 by Meyer Njus, P.A. regarding this matter. 

This firm stated they were retained by XXXX. That claim is patently false, since the debt was charged off. If XXXX was still pursuing this debt, it would not be at that status, so this firm has made a false statement regarding its disposition on this matter. Further, this firm has stated they are a debt collector further down in the letter. This indicates that they obtained this debt as third party debt collector. 

The statements made by Meyer & Njus P.A. in the letter are fraudulent and misleading, and intended to intimidate. Further, Meyer & Njus P.A. has extended this fraud into court.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Ocwen is attempting again to force me into escrow. I have never had escrow in the entire duration of this loan. They do this every few years in an attempt to get me to default by XXXX my payments. I find it suspect that they also sell foreclosed homes.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
I was advised by my loan servicing company, Ocwen, that my homeowner 's insurance had expired. This is inaccurate, and they decided to " sign me up '' for their in-house insurance. They have now added an additional $ 120 monthly fee to my mortgage. I have tried to call, fax, email them several times. I have been unable to reach them to clear up this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 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: Ideal Collection Services, Inc.
State: FL

Complaint narrative:
There is an account that I have disputed and requested validation of and nothing has been received. Please help assist me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: HW Holding, Inc
State: NC

Complaint narrative:
This was a apartment complex called XXXX XXXX XXXX in which I did not receive a bill. I was expecting my deposit returned of {$350.00} but instead they say I owe around {$100.00} that now shows up on my credit report under a collection company called Hunter Warfield. I have sent a letter to XXXX XXXX XXXX either asking for my refund of a detail receipt of the bill in question. I have receive nothing from the company.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
On or about XXXX XXXX, XXXX, I was approved for a modification., my trial payments were to begin on XXXX XXXX, XXXX through XXXX XXXX, XXXX. I called and set up automatic payments to be taken from my account. I notice in XXXX XXXX that the first trial payment for XXXX was not taken out. I do not speak English so I had my XXXX year old daughter help to call Ocwen, they do not have anyone speaking XXXX to help me. They keep hanging up on me and do not help me with situation. Now they are saying to resubmit again. Why I should do that, i have the money to pay them, plese help they are discriminating against me because of my nationality I am XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
I am asking for help with a financial hardship situation. I am a senior citizen, have no retirement savings, I am on medicare. I am on social security, and do self employment projects. ( more personal information sent as attachment ) I purchased the house in XXXX for {$180000.00} with XXXX mortgage and then in XXXX I refinanced with new century mortgage. There was a " bait and switch " scam in that the mortgage broker told me there would be " no points or closing costs " only to reveal at the last moment, {$16000.00} in closing costs. I had no choice but to roll that amount into the new loan of about XXXX. 

XXXX XXXX went bankrupt. XXXX XXXX XXXX have done a fraudulent sale of the servicing rights to GMAC. ( xxxxxxxxx, a foreclosure consultant at a non-profit said there was a fraudulent signature and documents at that point - also a " robo signature " on the document. See the government settlement with GMAC ) GMAC went bankrupt as well. 

I made payments to the various companies of about {$200000.00} in total since the home was purchased in XXXX. In XXXX the house went into foreclosure but that foreclosure did not happen. I have not made any payments to OCWEN since they " took over " the debt. There was a financial hardship in that I was diagnosed with XXXX in XXXX ( successfully treated ) and my employer wend bankrupt in XXXX. 

Apparently XXXX Bank was involved in a trust to bundle many " debts '' and their name was used to help OCWEN get the servicing rights to the debt. There is no clear chain of title. 

Ocwen has been paying insurance and property taxes. 

The house is in very bad shape. It has mold, bad plumbing, heat is a problem and there are structural problems. OCWEN 's property management company broke into the house on several occasions and damaged the door, windows, stole property, I believe, and moved the contents of each room to the center of the room. I called the police and notified them of the last break in. 

Apparently the value of the house is currently about XXXX. The land is worth XXXX and the house perhaps {$50.00} k. 

Because of the above I sent a " rescind letter '' to OCWEN. They did not respond in time but did respond saying they would not negotiate with me. 

I understand the debt could be rescinded but if not perhaps I could settle with OCWEN for the funds they spent so far, property taxes, insurance and the fee they paid for the servicing rights. I do not know what that total would be. 

Please let me know if the CFPB can help settle the situation. I need to sell the house, pay OCWEN for any out of pocket money and get some of my investment back from the sale of the property to help pay for new housing.

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

Complaint narrative:
I applied to my mortgage servicer, Ocwen Loan Servicing LLC, for a loan modification XX/XX/XXXX as was laid off XX/XX/XXXX. Ocwen would not consider this until I was officially behind in my loan payments. After four attempts, the loan was modified XX/XX/XXXX, with a XXXX trial payment due XXXX XXXX. I was told NOT to make any loan payments until the trial period started. This resulted in Ocwen reporting me as 90 days late on my mortgage. This is in addition to the 60-day lates that were mandatory for me to be considered for a modification. Now I am unable to sell the home and purchase a much cheaper XXXX, as the late payments have ruined my XXXX score and made me ineligible for any type of new mortgage. My request is that Ocwen contact all major credit bureaus and remove all of my late payments for the last 12 months. I suspect it was illegal for Ocwen to insist that I let my loan go into arrears to qualify for a loan modification, and now I am trapped in a home I can not afford, even though I have opportunies to sell and pay off Ocwen 100 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation

Complaint narrative:
My name is XXXX XXXX XXXX. Due to my wife and I are been XXXX. My wife has been without income for the last few years. My wife has made several attempts to obtain her XXXX income, each time she has been denied. Due to my income being reduced and fixed ; I reached out to my mortgage company to request for assistance. The rate on my mortgage is at a 9.96 % and I owe over $ 69XXXX on my loan. Property value is only $ XXXX. I 'm really in great need of assistance. I reached out to my mortgage company for assistance and was denied. Mu monthly mortgage payment is {$640.00} each month out of that {$640.00} ONLY {$82.00} is going toward the principal balance. Ocwen has denied my loan for modification options at this time. I really need assistance to get this overturned.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: OK

Complaint narrative:
I applied for & received a loan from Bank XXXX which was then transferred to OCWEN for servicing. In XXXX 2015 I was notified by OCWEN that my loan was a balloon loan which was the first I heard of a balloon loan. I started working to refinance with XXXX when I was told by XXXX that I did not have a balloon loan therefor they could n't refinance. Many hours of phone calls with OCWEN followed with some people admitting that I do n't have a balloon loan while others say I do. Nowhere on my promissory note does it say anything about a balloon loan or balloon payment. I just finished a call with OCWEN when I asked the operator to forward a copy of any balloon loan disclosures I signed. He searched for over an hour and determined that there was no such disclosures signed. I 'm not sure where to go from here but my loan matured XX/XX/2015 and they are now threatening foreclosure. When I enter the terms of my loan based on the promissory note in a loan calculator it shows that it would be paid off XX/XX/2015. HELP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
Ocwen Loan Servicing , LLC, has reported to the credit bureau, that I am continuous latewith my mortgage payment. There by damaging my credit rating. I have not been latein making my payments. I would like them to remove the late statements.

Company response to consumer: Closed
Consumer complaint received 2016-04-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
A collection agency keeps re-aging an old account each time I speak with them about it. I 've been disputing the charges because I feel that I do n't owe them.. We had no settlement agreement at all.

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 2015-03-26 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
My mortgage was sold 6 times in 6 years. I was supposed to be conventional fixed, but was turned into ARM without my consent, I made a complaint already with you against XXXX mortgage companies. XXXX and Ocwen. Both are on credit scores and are incorrect. Briefly again, XXXX lied to me asked if I could make a payment of {$4000.00} XX/XX/2008. I was told this was to be applied to principal, was not applied to anything, this was my life savings, had hardship with them regarding their lie. XXXX tried to modify without remorse, but firstly, my first mortgage was {$1200.00} w XXXX, sold to XXXX went up to {$1700.00}, I complained, then it went to {$2100.00}. I complained again, they said this is last time at {$1500.00}. Afterwards, sold immediately to AHMS American Home Mortgage Services, all this time I never received welcome packets or payment stubs from any mortgage company. At XXXX time, I had no idea who was my mortgage company. XXXX, was an extreme hardship. I tried to modify several times, to no avail, I have recording of conversations, they would NOT work with me at all. Never received welcome packet or payment stubs. Sold to XXXX Bank whom turned around and sold it to Ocwen loan servicing co. for XXXX XXXX, XXXX. A loan rep, XXXX XXXX, told me I was not in foreclosure. I am XXXX due to a car accident. Ocwen told me I should do a deed-in-luei, ( referring to car accident, because of no modification I could not afford paymentso I was told ) " this will not go on your credit report '', I was told by XXXX XXXX. FEMA seized my house due to more than XXXX % substantially damaged home from Hurricane XXXX. I had flood insurance. To no avail, I have no home, I sent you the final payout document from Ocwen, I do not understand why I was not treated professionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 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:
Hunter Warfield Inc. ( XXXX ) calls me DAILY ( every morning/every evening ) at my home phone seeking a " XXXX XXXX XXXX ; ref. Acct # XXXX. '' I have told them REPEATEDLY she moved from this address to XXXX, in XX/XX/XXXX, and I do NOT have any contact with her nor do I know her current whereabouts. On XX/XX/XXXX I filed a complaint with the FL XXXX ( Complaint ID # XXXX ), and Hunter Warfield agreed to XXXX NOT to contact me anymore. I accepted their resolution and the case was closed early this morning ( XXXX ), and then they called AGAIN at XXXX ( Robocall! ). I have emailed Hunter Warfield ( XXXXXXXXXXXX ) an " alternate '' family member 's contact information ( who MAY know her current whereabouts ), and yet they CONTINUE TO HARASS ME VIA PHONE DAILY! I want this STOPPED! I suspect XXXX XXXX has used both my home address/phone no. to fraud those to whom she owes money and probably skipped out owing rent from somewhere, as she did here.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-11 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Revenue Recovery Corporation
State: PA

Complaint narrative:
A collections account has been posted to my XXXX credit report. I have no idea what it is for. I have never received a bill from the XXXX or the collection agency - no contact at all. How can they report it to the credit bureau with out contacting me first?

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