vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
On XXXX XXXX, XXXX, we closed our mortgage with XXXX XXXX. On XXXX XXXX, XXXX, XXXX XXXX personally visited a XXXX XXXX branch in XXXX XXXX, Florida, to make the corresponding mortgage payment. After seeing the bank teller searching and inquiring about our loan, XXXX XXXX was told that we did not have a mortgage account with the bank. After speaking to a bank officer we were given very limited information, simply that our mortgage had been " transferred to another mortgage institution. On or about XXXX XXXX, XXXX, we received a letter stating that the servicing of our mortgage loan had been transferred from XXXX MORTGAGE? 
( we had never done business with XXXX ) to Litton Loan Servicing LP. After, a few months of doing business with Litton, our monthly mortgage payment continued to consistently increase. It became obvious that we were the victims of a predatory mortgage. The victimization done to us by Litton had a very significant impact on our family. This Litton loan mortgage, that we had never signed for nor agreed to was now causing significant adverse impact on our lives. The mortgage was inappropriate for our financial situation and grossly over-priced. Although, we attempted to negotiate with Litton on multiple occasions to develop remedies to the situation, their lack of flexibility and insensitivity to our needs, proved this an impossibility. Litton 's purpose was to foreclose on our property. We were advised by a financial counselor to seek legal assistance concerning our mortgage. My wife and I hired an attorney, in an attempt to negotiate a mortgage agreement with Litton. After approximately two years, of negotiation and paying approximately {$27.00}, XXXX to above referred to attorney, an agreement was not reached. In addition, to being victims of predatory lending practices from XXXX XXXX, and Litton Loan Servicing we were also misrepresented by the law firm hired to negotiate with Litton. It is interesting to note that during the initial closing of our property on XXXX XXXX, XXXX, the final loan amount was {$400.00}, XXXX. Earlier, this year ( XXXX ) we received new loan mortgage documents from a company ; OCWEN, with a total outstanding loan mortgage amount in excess of {$750000.00}. Approximately in XXXX XXXX XXXX suffered a devastating XXXX XXXX. Around the same time XXXX XXXX XXXX, became unemployed. After the devastation caused in both of our personal lives, XXXX, separated and are currently undergoing divorce procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
OCWEN has engaged in fraud as it relates to my mortgage loan and fail to follow statutory guidelines pursuant to FHA loans that require a face to face meeting for loan modifications.. They have delayed modifying my loan three years even though I sent all required documents to them three separate times. OCWEN intentionally delayed so that they can foreclose on my loan. I am now in foreclosure and afraid that I will lose my home for sixteen years. This is utterly unfair and should be crime to allow them to treat minorities this way. I believe they target the minority community and defraud them and violate their rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: CA

Complaint narrative:
Hunter Warfield is continuing to attempt to collect a debt 5 months after they were informed by the creditor that the account was paid and never in arrears.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: SC

Complaint narrative:
failure to provide an XX/XX/XXXX statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: NV

Complaint narrative:
We submitted for short sale review on XXXX/XXXX/2015 The interior BPO was completed on XXXX/XXXX/2015 resulting in a value of {$110000.00}. 
We called Ocwen XXXX/XXXX/2015 and spoke with XXXX id # XXXX. This representative advised that the file was denied as Ocwen wants to net {$110000.00} ( meaning they want to net more than the actual property is worth! ) We requested a copy of the denial letter as well as a copy of the BPO. On XXXX/XXXX/2015 we spoke with the negotiatior on the file XXXX XXXX and it was confirmed that they are requesting a net of no less than $ XXXX- The negotiator stated the only option would be foreclosure or DIL.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
I would like the CFPB to take a journey with me. I am once again applying for a loan modification with Ocwen Loan Servicing. I uploaded my HAMP application to the Ocwen website on XXXX/XXXX/2016. I did not get a confirmation email from them. On XXXX/XXXX/2016 I submitted an email to the Ocwen Omsbudman and have not heard back from them to date. I logged onto my account today XXXX/XXXX/2016 and there was an email in my mailbox that indicated that they mailed me something because I did not provide all of the proper information. This is how the interaction began two years ago when I tried to apply for a loan modification with Ocwen. Ocwen tells you that you did not send in the right information so the processing timeframe gets restarted. I fear I am in for the same experience. I am going to track this process and ask that you take this journey with me. There is something going on at Ocwen that has to be out of compliance with the law.

Company response to consumer: Closed
Consumer complaint received 2015-08-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
1. Billed ( included in mortgage ) unauthorized insurance coverage ( for home appliance ) 2. Inaccurate Statements ( monthly statements ) ; ignores repeated calls to address3. Transferred paid principal payments to supplement escrow shortage without notice or authorization. 
4. Unable to reconcile account statements, over {$1000.00} paid to Ocwen is unaccounted for. 
5. Very abrupt loan transfer to XXXX, without reconciling account ; as though to sweep this under the rug - I Need immediate attention to address this. There are outstanding issues with OCWEN and yet the loan servicing transfer to XXXX takes effect in XXXX days. 
6. Inaccurate tax return statements for ( 2014 ) 7. I believe my loan is being transferred as a move to hide or cover-up these concerns that I have now repeatedly reported up their chain of command. The CEO, COO, CFO and Chief Legal Counsel are aware of these challenges and have turned a blind eye

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
We requested Ocwen f/k/a Homeward Residential f/k/a American Home Mortgage Servicing , Inc. to update our property address on XXXX/XXXX/XXXX and they have not complied with our request. Our property address is still incorrect in their records and now Ocwen has told us they are unable to review our loan modification application for the Making Home Affordable program because the property address on our pay stubs does not match the property address in their records. Our pay stubs has our correct property address of XXXX XXXX XXXX, XXXX, TX XXXX. Ocwen has an incorrect property address for us as XXXX XXXX XXXX XXXX, XXXX XXXX, Tx XXXX. 

Ocwen is also attempting to foreclose on our primary residence of XXXX XXXX XXXX, XXXX, TX XXXX, where we currently reside and occupy. We have resided at XXXX XXXX XXXX, XXXX, Tx XXXX for 10 1/2 years. Ocwen has our property address incorrectly as XXXX XXXX XXXX XXXX, XXXX XXXX, Tx XXXX. Ocwen no longer appears on my credit reports because the property address in their records does not match an address we have ever lived at. 

According to the Ocwen National Settlement agreement with the CFPB and the XXXX State Attorney General Offices, Ocwen is to take appropriate action to promptly remediate any inaccuracies in borrower 's account information. We requested to have our property address updated 7 years ago and our property address still has not been updated by Ocwen and now Ocwen is unable to review us for a loan modification because their files have an incorrect property address of XXXX XXXX XXXX XXXX, XXXX XXXX, Tx XXXX. 

According to Ocwen, the foreclosure will be completely stopped once the account is approved for the loan modification. Ocwen wants to us provide XXXX financial statements valid within 30 days that confirm we occupy the property. Ocwen wants us to provide XXXX financial statements with an address that matches the inaccurate property address in their records of XXXX XXXX XXXX XXXX, XXXX XXXX, Tx XXXX. We occupy XXXX XXXX XXXX, XXXX, Tx XXXX. We do not occupy XXXX XXXX XXXX XXXX, XXXX XXXX, Tx XXXX, which is the property address that Ocwen has for us. Since we have never resided at XXXX XXXX XXXX XXXX, XXXX XXXX, Tx XXXX, are unable to provide Ocwen the requested information to review us for the Making Home Affordable program. 

When Ocwen listed our property for foreclosure sale for XXXX XXXX, XXXX, the notice of foreclosure sale has a property address of XXXX XXXX XXXX XXXX, XXXX XXXX. 

According to Ocwen, there is no single investor of your loan. Our loan is supposedly one of many in a securitized investment trust. This securitized investment trust was contractually closed from conducting business after the closing date of XXXX/XXXX/XXXX. I am not sure how Ocwen can legally update our property address at this point and time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: AR

Complaint narrative:
When I was a resident at the property XXXX on XXXX, there were numerous complaints that I advised to management. When paying my rent each month it would fluctuate. I signed a lease agreementioned for XXXX each month my rent was well over XXXX. I advised management they stated would fix and each time it was not when I caught up a past due balance of XXXX was paid. In XXXX no heat downstairs. maintenance never lit fireplace after asking 5 to 6 times still no resolution. Had to buy a heater just to eat breakfast never able to stay in living room or den. Then water was shut off because they stated there was a leak in middle of street which water poured down the street.When it snowed steps were hazardous spent XXXX to try to clear all steps to leave home due to not having maintenance. Also the parking was never enforced and people parked all over the place from the back in the spot at my townhouse which was on the corner. Our patio was constantly full of nails. Various issues that were never resolved nor contacted on and also filed complaint with XXXX. As well as my mom XXXX and we are still paying for that today. Because my rent was excessive I was forced to vacate but I did try to stay current only only to keep having it doubled then tripled

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CT

Complaint narrative:
Ocwen misrepresented my foreclosure date to me. On XXXX XXXX, 2016, an Ocwen representative telephoned me and told me that a foreclosure sale on my house would occur on XXXX XXXX, 2016. I believed that this person was telling me the truth and that I would have to move out before this date. Because I have no where else to go, I assumed I would become homeless and have to stay in a shelter or live on the streets. I was extremely upset by this information. 

By chance, I happened to learn that this was not true : Connecticut is a judicial foreclosure state, and the court has not ordered a foreclosure date in my case. No judgment of foreclosure has even been entered. Not only is there not a foreclosure sale on XXXX XXXX, but a foreclosure sale has n't been ordered at all by the court. If I had n't happened to find out that Ocwen was lying to me about my foreclosure, this misrepresentation could have needlessly caused me to become homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Ocwen Financial Corporation
State: IA

Complaint narrative:
This loan was an unsecured " XXXX XXXX XXXX '' that was originated through XXXX. It was then serviced by XXXX XXXX from XX/XX/XXXX - XX/XX/XXXX. The loan was then sold a few times. In the midst of the moving of the loan, payments were marked missed that were actually simply misdirected. However, the BIGGEST problem is the fact that Ocwen Loan Service is listing this installment loan on our credit report as a mortgage loan- which it is not. This has prevented us from being able to get refinancing on our current home. We have tried everything to get Ocwen to report this correctly, to no avail. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
In XXXX of 2015, our mortgage payment went up {$53.00} due to an increase in property taxes. We have our payment set up to go out automatically on the XXXX through our bank, and it went out as scheduled in the old amount. We started getting phone calls, many a day, at work, where we could not answer them. They left no messages, and only different numbers would come up on caller ID, no company name, so we assumed they were sales/spam calls. I finally answered XXXX after work one day, out of curiosity, and found that we had been reported to the credit bureau for being 31 days past due on our mortgage. I explained the situation, but it did n't matter. They kept insisting we were an entire payment past due. I 've tried to get them to explain why they held the funds they had for 30 days, which was all but {$53.00} of the payment. They can not explain why the held those funds or why they were n't applied to the loan. They could have at least applied principle and interest and let the escrow account be short. We caught up the loan the next month, but our credit has suffered. It shows that we were an entire payment past due, not just a XXXX dollars on the escrow account. We have NEVER been late on a mortgage payment in over 25 years. They also started sending us information on avoiding foreclosure, mortgage assistance, etc., all over {$53.00}. Our loan was sold to them from GMAC ; we did not choose to deal with this company. We had problems the year before with misapplied funds, but I do not think our credit was hit through all of that. That was totally the error of Ocwen, and they admitted that it was their error.

Company response to consumer: Closed
Consumer complaint received 2016-05-17 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I have an overdraft account with TD Bank. The statements come the first week of the month with a due date the last day of the month. I will pay the balance in full by mid-month and receive a statement the following month with an interest charge even though no further draw has occurred and the previous balance was paid in full. They claim that their policy is to bill on an average monthly cycle. So even though 3/4 of the month has XXXX balance they are still collecting interest for that time period. Interest should only be calculated while a balance exists. This system makes it nearly impossible to pay in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Ocwen Bank foreclosed on my home in California. I applied 48 times for a modification, via certified mail. I have been in the XXXX XXXX 24 years and I got out of the Military in XX/XX/XXXX. Ocwen is evicting me on XXXX XXXX XXXX. Can you please help me? I know they never processed any of my paperwork properly. They are taking advantage, I have nowhere to go.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
My home of 27 years is being foreclosed on by XXXX, from an IndyMac loan. I wanted to apply for consideration under the settlement agreement DOJ vs XXXX. My loan is being serviced by Ocwen Loan number XXXX the name on the Loan is XXXX XXXX. 
I am trying to sell the home but XXXX gallon in ground oil tank, a 112year old clay tile roof, a 60 year old leaking steam boiler, and an asbestos abatement problem require a six figure investment before a sale could go forward. If there is an application for assistance or consideration I would appreciate your help. My wife and I are both XXXX declared bankruptcy in XX/XX/XXXX due to the mortgage issue with ocwen when they changed the terms of our loan in XX/XX/XXXX not only switching to a libor adjustable rate but the payment options were reneged on. 
Is there a way to apply for consideration under XXXX settlement? 
Ocwen has not been able to help. 
Contacting the bank directly has not gotten any response. 
Thank You XXXX Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Duncan Solutions, lnc.
State: FL

Complaint narrative:
Dear CFPB, I am asking you for assistance to intervene on my behalf concerning willful non-compliance within a " reasonable time '' by Professional Account XXXX refusing to remove, by law, a proven fraudulent credit profile account off my credit reports. 
This unauthorized account is a red flag that is damaging my credit record ; which is a violation of my rights pursuant to the Fair Credit Reporting Act. In circumstance, I provided my name, address, and social security number, demanding within ( XXXX business days, via certified mail Number : XXXX XXXX XXXX XXXX XXXX, on XXXX for the creditor to provide me a copy of the original application bearing my signature, giving authorization to pull my credit history so that I may forward it to the police authorities for investigation. 
The creditor has willfully not complied with my request. I have never received any benefit directly or indirectly from the fraudulent transaction ( s ). Any signature is a forgery and was made without my knowledge ; perhaps due to consumers having similar names and/ or social security numbers. I look forward to you helping me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
more than 10 years ago my wife was very ill and our family experienced significant financial problems. We defaulted on our mortgage and in order to get things back in order I accepted a deal with my mortgage handling company that increased my interest to a very large amount. It was my understanding that after our finances improved, and we demonstrated that we made our payments on time our interest rate would be decreased. Unfortunately that has not happened. I have requested that they review our account but all they have done is tell me that my mortgage is eligible for refinancing. My credit is now excellent but the mortgage on my house is much more than its value and I can not get a new lower interest mortgage. I feel that if the company can increase my interest they can also lower my interest. I have been encouraged by many to " walk away '' from my home but I have been in it for 40+ years and do n't want to do that. I am more than willing to honor my mortgage but need some relief on the interest I pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-02 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Computer Credit, Inc.
State: FL

Complaint narrative:
This is the second time this has happened to me with this company. I fell for the scam the first time. I was mailed a bill from Computer Credit , Inc. on behalf of a medical bill with XXXX XXXX. I paid the debt of {$84.00} and the check cleared my bank on XX/XX/2016. Computer Credit then sent me a repeat of that same bill on XX/XX/2016. This was sent 4 days after the check cleared. Not received but cleared. This company has done this before and I fell for the scam and was never reimbursed. This is no accident on their part. They will repeatedly re-bill as long as the victim keeps paying. A nice side effect is they ding your credit score while doing this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: OK

Complaint narrative:
The most recent issue is this : We had a modification on our mortgage. It was signed in front of our attorney with Ocwen on the phone with us for any questions. They had already filed suit on me eventhough i had paid and had receipts. 
On XXXX XXXX, XXXX the Modification was signed. Our payments would be XXXX by XXXX. My payment was made on time. 
I have recieved a letter in the mail stating that we owe XXXX starting XXXX. 
We signed the modification and agreed. Now they are wanting more, again. They also attached a balloon payment at the end and no credit given for the 14 years of payments that i have already paid. 
In XXXX, i was not going to include the house in the bankruptcy but recieved no affirmation from ocwen when I asked for XXXX. After I paid the payments from then to XXXX XXXX, i recieved no credit for it. They also say that they are not attempting to collect a debt. I never recieved a monthly bill, but i knew the monthly payment and continued to make them. Now since i have never been credited for those payments ( which i have reciepts ) since the modification, they are trying to collect the escrow for three years! 
They are asking more for the house now than when i bought it.

Company response to consumer: Closed