vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
I was behind in my mortgage payments because my husband was out of work. I had to borrow XXXX dollars to get caught up. I was told not to worry about the late free or the fees because they started foreclosure. I am up to date on my mortgage payment but I received a default notice saying I owe the fee 's. I do not have XXXX to pay and they will not work with me. Owen Loan Service is the worst mortgage company. They have so many complaints and bad review I can not understand why there are still around. I did all of what I was suppose to do. When you call XXXX person give you XXXX advice then you call back 15 minutes later and you are told the first person gave the wrong information. I ask them before to send me verification about not paying the late frees and other fees they told me they could not. Every time you get a letter from them it never has a person signature on it and you can never speak to a manger or someone high up. I do n't know what more to do I am at my wits end with this company I also found out that they were not paying my taxes as they were suppose to now I have a lien on my home. I called my homeowner to make sure they paid they just waiting for a call back I called them today. Please help all the poor people who have this company I ask you to get this company out of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
Owcen Loan Servicing is demanding that I pay for their home insurance, although I have never been without insurance and have faxed them a copy of my policy as they demanded.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
Our mortgage company is not paying our homeowners insurance from our escrow account. This is the second time this is happened. Last year when we discovered the problem, the mortgage company insisted that the error was corrected and this would not happen again. They paid our XXXX insurance & now this year our homeowners insurance contacted us to say they have not received payment again. I checked online with the mortgage company and they show that the borrower is responsible for the insurance which is the same error as last year. They tried to force us into taking their homeowners insurance because they were showing a lapse in coverage. Not sure what to do to correct this repeated problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
I formerly had a loan with Ocwen mortgage. They have reported on my credit report that I was 30 days late in making a payment. I have called them multiple times to have it removed ... they do not ... I have been promised calls back ... I have not received any. 
The issue occurred in XX/XX/2015. They had just completed an escrow analysis ... it was incorrect. I had just switched insurance ... they were assessing my escrow account as if I were paying both insurance companies ... I called them to correct it ... and to let them know they actually owed me money. I received the usual run-around from them ... and their call center in XXXX. During the dispute, I called and told them that I was not going to be paying the additional amount because of the faulty escrow analysis ( about {$90.00} per month ) ... because this problem should n't have persisted so long ... and, that they owed me nearly {$2000.00}. Finally, in XX/XX/XXXX everything was resolved ... they sent me a check of nearly {$2000.00} and reduced my payment ... it took several months to rectify. It is almost unbelievable that they are now stating that I was late greater than 30 days ... for {$90.00} ... when they actually owed me {$2000.00} at the time ... and, the fact that they wo n't remove it ... and, I am unable to speak with anyone in this country with authority ... ridiculous ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-24 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Revenue Recovery Corporation
State: TN

Complaint narrative:
I get a medical bill in collection that I do not have any knowledge about. This bill is for 2014 and I do n't recognize this debt. I want this account to stop hurting my credit and calls to stop immediately.

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 2015-09-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
GMAC is reporting incorrectly XXXX mortgage late payments on XX/XX/XXXX & XX/XX/XXXX. I made those payments on time via XXXX, XXXX XXXX XXXX on line payment system did n't work so the payments delivered but were posted late. XXXX XXXX XXXX, corrected the problem and deliver the funds to GMAC, but they were posted as late payments, even thought it was not my fault at all. They can check my record and I have a perfect record payment thru the day I payoff this mortgage XX/XX/XXXX. I am applying for a Mortgage and this issue is affecting my credit. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I contacted my lender about a Home Modification. They sent me a checklist of the information that they needed to process the modification. I provided all the information within 30 days. I missed nothing all forms were provided by me as requested. I am a retired XXXX with excellent organizational skills. So, when I say I provided all the information I am totally accurate! Well, to make a long story short, they kept informing me they did n't get some of the information they needed. So, I would resend what they needed. They they would say they did n't get something else. A year went by without them taking any action. They would always say we need more information, more income verification pay stubs etc. My loan with them is at 7.5 % I make a payment of XXXX per month, about XXXX goes toward principle XXXX is interest. Been paying this since 2008.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Ocwen Financial Corporation
State: AL

Complaint narrative:
We are disputing a late payment that was sent on time for XX/XX/XXXX and is on my credit report as a late payment. A payment was sent for {$1500.00} come to find out they never notified us that they went up on the payment and we never received nothing in writing or phone call letting us know that we were short on our payment. Ocwen Loan Servicing received the payment and held the payment in a suspended account and did n't contact us regarding the payment was short. They did n't post the payment until 30 day later when they received XX/XX/XXXX payment. In XX/XX/XXXX we where notified that the payment was short and we sent and addition amount to bring the account up to the right amount, why this was not done in XX/XX/XXXX to avoid a late payment no answer from Ocwen Loan Servicing. We contacted the office and spoke to someone regarding this matter first, we where told that it was not on our part and they would correct this error, now they are saying that the late payment will remain. We are in the process of trying to close on another home that we have purchase and this is showing up on my Credit report as being 30 days late which is not true because I sent the payment and they held the money in a suspended account without notifying me it was short or the amount was increase. My VA loan was denied because of this. I submitting a letter to Ocwen Loan Servicing regarding this matter and they refused to remove the late payment.

Company response to consumer: Closed
Consumer complaint received 2016-01-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Ocwen Loan Servicing received my mortgage payment on XXXX/XXXX/2016 & recorded it into my mortgage history AND then returned said payment to my bank account recording my payment as late. 

I contacted Ocwen who said they would not provide me with a reason for my payments return and now that they recorded my mortgage as late after receiving said payment I want evidence they were at fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Brelvis Consulting, LLC
State: AK

Complaint narrative:
I contacted The Student Loan Help Center in hopes of having my student loans forgiven since I am an XXXX service member.They appeared very interconnected with the U.S. Department of Education and informed me that there was a high chance for my loans to be completely forgiven. They informed me that they could help me by consolidating my defaulted loans for me in exchange for a payment of {$900.00}. Although I gave them my personal information such as my SSN, address and debit card number, I feel my sensitive information was mishandled. I am now aware this third party does not need to be involved in the consolidation of my federal loans. I am also currently having those payments refunded to me through my bank and there is a pending investigation for fraud. I wish to inform the community of this organization so that XXXX soldiers will be aware of this scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
forclosure pushed. for about a year, was doing modification re ; loan ( # XXXX / XXXX ) There are XXXX. Modification wanted for the large loan and they were supposed to modify it since the small loan is current. THey took more than a year requesting documents over and over, making it difficult, very diffiuclt. Then they started pushing for foreclosure when it should and could have been avoided. They refused payment. I do n't want to be involved in corruption, so I wrote them letters, about it. Loan numbers / accounts appear to have issues re ; OCWEN switched the modification request to a loan with them that did not need modification. I have about XXXX pages of modification application information re ; the numbers being switched around. The one that need modification is the large amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: NJ

Complaint narrative:
I have filed for a loan modification and was just recently informed that it was denied because I took to long and did n't have the money to make the 31 % money in excess. Now I have been waiting for a period of over a month to be told that my paperwork was put in late but I went through a credit counseling agency that looked over all the paperwork, submitted for me. If it was n't for the mortgage company taking their grand old time telling me over and over I was missing documents, the paperwork would have been out arrived in time and they never mentioned that to the credit agency that submitted the paperwork. 
For the last month I called and was kept being told it was in review. However on XXXX XXXX I was told it was denied. The practices of this mortgage company to me are morally dishonest because they said if I came up with XXXX dollars then they would work with me. 
None of these do called programs have been able to help me and my wife and I are both XXXX and now will be evicted from our home. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NJ XXXX XXXXXXXXXXXX could help us, I find that totally unbelievable.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-04 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
We are facing foreclosure auction of our home of 26 years on XXXX XXXX, XXXX. Just a few days away. We have hired Attorney XXXX XXXX to file an injunction and a complaint against XXXX XXXX, Ocwen & XXXX XXXX. We have been fighting them since XXXX. We have absolute evidence they have no interest or standing in our mortgage /loan. They are not the original lender. They have filed for an illegal foreclosure XXXX times. They have charged us for illegal forced placed insurance and 13 % interest. Refuse to modify and constantly give us the run around. They have tried to have XXXX auctions regarding our home since XXXX XXXX. All postponed at the very last minute without the injunction being decided. They have a XXXX party trespass onto our property taking photos and trying to look into windows. We live in fear and terror every day. We are afraid to leave our home i fear they will break in. 
The injunction was denied last week. Attorney XXXX states there is nothing he can do to stop the auction, even though we have an active complaint. We may be forced to file ch.XXXX to try to prevent the auction. 
This loan is a high cost predatory loan. We lost a rescission case in XXXX. Had not heard from Ocwen / XXXX for 3 years after that. They filed the order of notice in XXXX of XXXX. We filed our complaint that same month. 
We are beyond stressed not knowing how we will survive. 
The courts are absolutely biased against the homeowner. They do n't want to hear the facts. They just rubberstamp the forclosures. 
We are not trying to get a " free Home ''. We had job loss and illness which caused us to fall behind in payments. Our home is valued at XXXX and the loan was orig. XXXX. 
There is equity. 
Any help would be greatly appreciated to guide us through this nightmare. 
We know we are not alone in this injustice. 
Thank you for any guidance.

Company response to consumer: Closed
Consumer complaint received 2016-02-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc
State: TN

Complaint narrative:
They call EVERY XXXX and 3 times a day! 
Today, XXXX XXXX, 2016 they already called my home at XXXX then at XXXX and again at XXXX. They call over the weekend too. 
As far as I 'm concerned, this is harassment.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/XXXX I signed up for a Citigold checking account from Citi Bank under a promotional offer of XXXX XXXX XXXX miles. XX/XX/XXXX I sent a secure message to confirm that I met all the promotional requirements for the sign up bonus of XXXX XXXX XXXX miles. A Citi Bank representative XX/XX/XXXX confirmed that I had met all the promotional requirements and should receive the XXXX XXXX miles by XX/XX/XXXX. To this day I still have not received the sign up bonus of XXXX miles from Citi bank. After my first call to Citi Bank XX/XX/XXXX asking why my miles had n't posted they said they would open an investigation. Which they did and I received a letter from Citi Bank stating that in their own investigation they concluded that I had met all promotional requirements and was eligible to receive the XXXX miles. The letter also said all I had to do was call in and add my XXXX XXXX Frequent Flyer number to my Citigold account in order to receive the miles. I have now called in three times to add my frequent flyer number and still have n't received my promotional sign up bonus of XXXX miles. This is extremely annoying since I signed up under the terms of this bonus and now Citi is going back on their offer. It is a complete scam or Citi is just completely inept.

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 non-monetary relief
Consumer complaint received 2016-08-18 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: ME

Complaint narrative:
In XXXX XXXX our daughter who was XXXX years old at the time had a XXXX within one week. She is know XXXX. My wife was forced to leave her job at the XXXX XXXX so she could take our daughter to multiple weekly appointments which continue today. Unfortunately the loss of her income did not leave us any choice but to file CHXXXX bankruptcy. The trustee made small monthly payments to OCWEN while we were under bankruptcy protection. Our case was discharged on XXXX XXXX XXXX. I have spoken with OCWEN several times over the past year and submitted paper work many times for a loan modification. Each time they said they never received all of the paperwork. My remaining balance with Ocwen is around {$100000.00}. I meet all of the criteria for a government loan modification yet they keep denying me. I have been forced to hire a law firm to protect my home. My current mortgage percentage rate is 9.2 %. If OCWEN would work with me and lower our interest rate and monthly payment, we could retain our home. Our home is the only thing my wife and I have and would expect OCWEN to follow federal guidelines and not give us the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
During the " Mortgage banking scam years '' we took out a mortgage on our current home - this going back close to 14 years ago. Since then we 've had several mortgage serving companies and as we did research, we discovered they are defunct now or they are somehow affiliated to each other - ie. stock holdings. Each time the servicing company was changed ( not by our doing ), we were hit with fees and the like. There have been 4 or 5 companies in 14 years. 
We have been in Federal Court for almost two years ( XXXX et. al, v. XXXX XXXX Mortgage ). We joined the class action ( almost two years ago ) being represented by the XXXX XXXX XXXX ( XXXX, FL ). Months later, the XXXX was shut down for fraudulent dealings by the XXXX 's office in FL. and CT. 
Filing pro se, my wife and I ( Federal Court recommended we do so ) filed an amended complaint. We contacted several NJ-based mortgage attorneys but were turned down due to the XXXX mess and ( candidly stated ) not enough money involved. With the original filing possibly being dismissed, we filed the amended complaint citing ( seemingly collusive ) fraud and later supported it with the governing laws that applied. This was indeed difficult to navigate since as pro se filers, our knowledge is limited and the research massive. 
The case is still in Federal Court ( Civ. # XXXX ) here in New Jersey. The amended complaint cites XXXX XXXX, Ocwen Loan Servicing, XXXX XXXX Mortgage and other financial institutions. 
The original XXXX complaint is still not dismissed thankfully due to our amended complaint 's stance and filing. To our knowledge, my wife and I are the only ones still continuing this case - the other XXXX have not responded to the Court 's repeated attempts to contact them directly. 
There are over XXXX families involved here which the XXXX XXXX XXXX bilked out of hundreds of thousands of dollars. The XXXX 's office in FL. assigned a Receiver and so far from online docs, the Receiver has recovered only {$1000.00}. XXXX XXXX XXXX is now the " XXXX XXXX for XXXX XXXX XXXX XXXX, XXXX '' - XXXX-based as was the XXXX XXXX XXXX. He seems to have lost his legal standing but somehow not fully accountable for defrauding so many people - the joined the original class action. 
We understand why the others have not continued with their complaint. We alone are approaching two years, several court hearings, facing a battery of law firms and no one to represent us. This is an uphill battle and one worth pursuing. 
We commend the Federal Court for their ongoing openness and civility. The Court has been extremely lenient with our pro se filed amended complaint and when it is finally put to rest, we hope our complaint will be decreed in our favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
I do not owe this company nor have any dealings with it my information, including phone and address information has been compromised and this account is a result of identity theft that needs to be removed asap.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Was contacted and threatened by law firm not only to sue but to come to our house and seize property in front of our children. Law firm spoke to my wife ( it 's was my debt ) and began negotiating asking for banking information without providing proof of the debt. This debt was passed XXXX to be collected/sued on. Wife tried to negotiate with them after served and was promised that settlement was coming and that told that I did not need to show up to court because we were in negotiating, in which case they got a default judgement. It has further damaged my credit and costing money with lawyer to fight a bill of review. It 's impacting my ability to get an FHA mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
After being unemployed and seeking assistance forced place insurance placed on property spent over {$850.00} to purchase windsto insurance. Ocwen will not adjust the mortgage payment to reflect insurance. I have been promised that they will spoke to supervisor who said it was done to pay {$840.00} instead of {$1400.00} now they have a late fee. I am not late they know I have insurance XXXX lower the monthly amount. I have gotten lies and runaround for a while. Help property address XXXX XXXX XXXX XXXX. XXXX fl XXXX

Company response to consumer: Closed with explanation