vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HW Holding, Inc
State: VA

Complaint narrative:
Years ago when they first harassed me about this issue I asked them to send me the application form where I signed that I understood that I would be charged extra for any pet damages since I had already paid additional every month to have my pet ( that would have been covered for damages ) Also, I wanted photos of the damages because the property manager had told me no one would be available for a walk through with me when I left the apartment so this whole thing seems like a scam to me to get money. They never contacted me again after I requested this information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28 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: Duncan Solutions, lnc.
State: MD

Complaint narrative:
Dear XXXX : I write in order to submit a complaint against Professional Account Management ( " PAM '' ) of XXXX. PAM falsely alleges that I owe {$180.00}. I have disputed the validity of the purported debts, in writing, on numerous occasions. PAM refuses to provide documentary evidence to support their accusations. PAM and/or its agents have called me at work, called and texted my mobile phone resulting in charges, phoned before XXXX and after XXXX, sent threatening letters, and presented materially false information to the CFPB and the XXXX. I have requested that they cease and desist communication on multiple occasions to no avail. For the foregoing reasons, PAM is in clear violation of the FDCPA. Furthermore, they are in violation of the FCRA, FDCPA, and the FTC Act by falsely alleging to public entities that I am delinquent on accounts and publicly disclosing my personal information without authorization or consent. I respectfully request that you intervene and put an end to these unlawful practices. Very truly yours, /s/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Maryland XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
I have been dealing with Ocwen for year and a half to get them to fulfill their obligation to provide me with the pay off loan documents after I paid off my mortgage in XX/XX/2015. 
During all this time, they have been claiming that they did n't need to file a XXXX. Finally they did ; however, they have failed to provide me with the original pay off documents as follows : * Pay off letter dully executed in Ocwen 's letter head * Original lien release ( XXXX ) they filed with the county * Executed Proprietary lease ( they need to tell XXXX XXXX that the loan has been paid off and therefore, they only need XXXX proprietary lease not XXXX. Should Ocwen insist on getting XXXX, Ocwen needs to fully explain why they need XXXX copies. No other proprietary lease will be provided without me receiving the original signed copy I forward to XXXX XXXX ) * Original Stock certificate * Original security agreement ( XXXX XXXX obtained an assignment without me knowing about it. My mortgage has been fully satisfied, they need to release such note ) * Original letter of satisfaction. 

I want to understand why is OCWEN purposely delaying the issuance of such documents and why is n't this institution placed on warning by the CFPB. 

Ocwen will be made responsible of all the financial costs their incompetency and unprofessionalism is costing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
We sold our home and closed the account with OCWEN XXXX XXXX. In late XXXX they took another loan payment from our checking account. After repeated Emails we received a check for reimbursement. Then they did the same thing in XXXX. Again after several conversations we received another reimbursement check. In XXXX they tried again, this time we did n't have enough funds in our account so we now have over 100 dollars in overdraft fees. We are living out of the United States so this makes everything more difficult. After more emails and expensive phone calls. We finally got another email saying after checking their records we were mistaken and they never took any funds from our account after we closed the loan. I have never dealt with a company as inept as this. The sad part is we tax payers bailed out their company when the economy crashed, big mistake

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: ME

Complaint narrative:
I received a letter from Ocwen Loan Servicing , LLC stating that myaccount had been increased. I called to ask for an explanation andtold they could not really explain it..I asked for an escrow reevaluationand was told it would be done ... .I also asked my attorney to review the leletter from Ocwen to see if she understood it and she did not, sheforwarded a letter asking for an explanation..She suggested that Icall the customer service number provided by Ocwen and talk to myCustomer service rep.. I did that and he also had no idea how toresolve the issue. He suggested that I call the research departmentwho would then call the escrow department who would take about15 days to reply. They could not provide me with a phone number ormailing address for the research department. 
I really would like some assistance in resolving this issue. 
As of today, XXXX XXXX, 2015 the reevaluation on the escrow accounthas not been done nor has anyone contacted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I am writing this letter to inform you that I am a victim of the discrepancies of accounting by Ocwen Loan Servicing of my mortgage account for my house. I purchased my house new and have lived at this house for 30 years as of this past XXXX XXXX. We started with XXXX Mortgage then the loan has been shuffled around over the years to quite a few companies including XXXX XXXX Mortgage and Homeward Residential. Lastly we found ourselves being serviced by Ocwen Mortgage. I had absolutely no say or real notice of these transactions over the years. I presumed that this was a common practice for servicing companies and banks. A few days ago I received a letter from a company I had not heard of before named XXXX. Nationstar documents they sent to me stated they were now in charge of servicing my mortgage. Again I presumed this was just normal day to day banking activity UNTIL I read the documents from XXXX stating that the documents from Ocwen claim that I was delinquent for the past 6 months. THAT IS AN OCWEN LIE! I called Ocwen over and over again only to be shuffled between XXXX and the XXXX. No one would give me a straight answer as to where my payments had been going. I went to my bank, XXXX Bank in XXXX California, as well as checking all of my online activity. All documents confirmed that each payment was made on time and that Ocwen had received and cashed each check. Apparently the payments were either credited to someone else 's account of were stolen by an Ocwen executive. Upon further investigation I found numerous charges ranging from fees and insurances which were unfounded. I have always had insurances and had always notified Ocwen proof of insurance directly from our HOA and private insurance company XXXX. Next of course I called XXXX and explained these facts to XXXX people in several different states. I finally was able to be contact XXXX XXXX at XXXX in XXXX California. He was and has been very helpful in trying to untangle this accounting mess. I searched online and found that Ocwen has been deceiving clients like me for years and has been levied with millions of dollars in fines by CFPB. Apparently Ocwen has been collecting payments from many of their clients as me and not applying the accounting. Then Ocwen shuffles us to other service providers with documents stating we are delinquent, in my case 6 months ( A LIE ). Ocwen pockets ( steals ) these funds leaving us with destroyed FICO scores, decimated financial reputations, delinquent status, threats of foreclosures, and a cold shoulder. I have documents from my bank that Ocwen received the funds and " cashed the checks ''. A guess would be that someone at Ocwen has hidden my money in an executive 's XXXX bank account. XXXX has promised not to move forward with any foreclosure nor fines and fees until this is resolved. I hope they keep their word.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MO

Complaint narrative:
Ocwen mortgage failed to pay XXXX out of my escrow. The insurance company cancelled my policy and did n't rewrite it. They said Ocwen pain but was 30 days late so they canceled me. This is costing me XXXX because they screwed up. PLEASE HELP My name is XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX the loan number with XXXX is XXXX. This is n't my fault but they act like it is. They now want to put me in force placed insurance that I ca n't afford. I 'm having issues XXXX. I 'm retired and on a very limited income. PLEASE HELP ME

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: GA

Complaint narrative:
I discovered that the mortgage company misapplied funds for my XX/XX/XXXX mortgage payment. I pay my monthly mortgage of {$1300.00} in XXXX payments. PHH received the first half of my payment XXXX {$670.00} XXXX for XX/XX/XXXX on XX/XX/XXXX and the second half ( {$670.00} ) on XX/XX/XXXX The payment received on XX/XX/XXXX was incorrectly applied to additional principal and not the mortgage payment. The second half of the XX/XX/XXXX payment and all subsequent payments have been appropriately applied to the mortgage payment. 
I called PHH Mortgage Company on Monday, XX/XX/XXXX to advise them of the error and requested to have the XX/XX/XXXX payment for XX/XX/XXXX appropriately applied to the mortgage payment and not used as an additional principal payment. I was informed that my request would be reviewed and for me to call back next week for an answer. 
I received a call from XXXX Mortgage XXXX ( XXXX ) today, XX/XX/XXXX, informing me that my request was denied and that the XX/XX/XXXX payment would not be applied to the mortgage and that I am responsible for bringing my account up to date for the XX/XX/XXXX mortgage payment. I explained to the representative that my XX/XX/XXXX mortgage payment was already paid in full and paid early with the XXXX part of the payment received on XX/XX/XXXX. I was told the payment was incomplete for XX/XX/XXXX and I am responsible for sending the second part of XX/XX/XXXX 's amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Ocwen Financial Corporation
State: OR

Complaint narrative:
Ocwen has n't agreed to subordinate, which interferes with my refinance

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Ocwe increased my payment by XXXX starting XXXX/XXXX/XX/XX/2015 I asked them to justify the increase. They claimed it was for an escrow shortage. They showed a negative XXXX for last year 's escrow. I sent my payment and sent XXXX towards my escrow until they responded. Ocwen asked for XXXX and some change. Meanwhile I already sent another XXXX towards the escrow shortage. By another letter they asked for XXXX. I sent the balance of XXXX. I received a call on XXXX/XXXX/XX/XX/2015 and Ocwen said my adjusted payment was not my former payment of XXXX as discussed when I XXXX inquired but the payment is now XXXX a month reflecting a larger escrow amount and asked when I would be sending it even though my account is current. My payment they said would not go down. I lost my patience asked them to check their math and hung up. I sent XXXX for XXXX XXXX XX/XX/XXXX payment. I need assistance sorting out the inconsistencies. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MO

Complaint narrative:
I have filed numerous complaints in the past year and Ocwen has never tried to resolve my issues to my satisfactory. They have paid my condo association over {$25000.00}. which they should not have and added it to my escrow which I never had an escrow account to begin with and charging me almost 8 % interest on top of that. They are now threatening me with foreclosure and this issue has not been resolved. The federal government is still allowing them to rip people off with no repercussion. They have been sued by XXXX states for XXXX of dollars and still they continue to operate as they always have. They have sent me false invoices through to XXXX which, which in itself is a federal offense and punishable by law with fines up to {$10000.00} per each offense. THEY NEED STOPPED!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I applied for a home loan modification with Ocwen over 4 months ago. My husbands job cut his pay in half, so we fell behind on our mortgage, and Ocwen told us about XXXX possible programs we may qualify for. After submitting all the documents Ocwen sent in their 'welcome package', we returned everything promptly. This is when our nightmare began. Ocwen claimed they hadn't received our documents, so we sent them again; in fact we sent them by fax XXXX, by email numerous times, and by USPS mail XXXX. Still, they say they hadn't received them. The representative we were assigned was located XXXX. His accent was so thick, we couldn't communicate with him at all. We requested Ocwen to assign us another rep, but were told they can't assign us another rep. Nothing is moving with regards to our refi. We did however find an XXXX speaking person and she became our rep. After speaking with her by phone, she specifically told us what documents were missing. She asked that we email them directly to her, so she could get things moving. We did what she asked, but haven't heard back anything. At this point we are several months behind on our mortgage, and it seems that Ocwen is doing everything possible to stall. They haven't even told us what our percentage rate or payment would be. We have read many horror stories about Ocwen's treatment of customers, forcing them into foreclosure because of their lax, incompetent and dishonest business practices. XXXX
 I recently discovered that Ocwen is now facing Federal charges for their misconduct, illegal fees, forced foreclosures; mishandling of customer's cases and much more. We feel that Ocwen is just a scam company, whose main objective is to force families into foreclosure. XXXX
We have gotten nowhere in 4 months and are desperate to close our modification and move on. We did not choose Ocwen as our mortgage company. Our loan was sold to them by  XXXX.  We have lived in our home for over 20 years, and until my husband's job pay was cut, we made all payments on time. Ocwen does not answer emails, and if you're lucky enough to get them by phone, you are transferred XXXX. At the very beginning of our attempt to get a home modification, our credit was XXXX and rising,  a score we had worked very hard for, paying off credit cards and not using credit any longer. Now our credit scores have dropped to the low XXXX and no other mortgage company will help us. By the way, Ocwen is not registered with the BBB, but take a look at the complaints on the BBB website.
At this point, we are lost, feel like victims of a scam, and don't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I received a letter from Ocwen loan servicing LLC stating the service transfer was being changed over to a new company called XXXX XXXX. The letter says Ocwen will stop accepting payments received after the date of XXXX/XXXX/16. After this date XXXX will be taking the payments starting XXXX/XXXX/16. If the monthly payments are currently being drafted by Ocwen the service will be discontinued at this time. However I have XXXX issues. First off an automatic payment was taken out of my bank account on XXXX/XXXX/16 in the amount of XXXX. I was told my payment was n't due til XXXX/XXXX/16. However it was taken out on XXXX/XXXX/16 and another will be taken out of my bank on XXXX/XXXX/16. My bank informed me that I can not stop the payments on there end. But Ocwen says it should of been discontinued as of XXXX/XXXX/16. XXXX does n't have any record of my loan information. So where is the XXXX that is being automatically withdrawn going. I want the funds back in my account and the service stopped so that I can make my house payments correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
According to the Credit Reports I have an open Mortgage Account with your company. OCWEN At one time I had a XXXX and XXXX Mortgage with GMAC Mortgage. It was for a property at XXXX XXXX XXXX XXXX VA XXXX. That property was sold XX/XX/XXXX and all notes paid off. The HELOC was paid off XX/XX/XXXX. While the XXXX Mortgage was report as paid off and the XXXX was apparently not. 
Since GMAC went under and your company bought the what was left, I now have an open Mortgage listed with your company. 
After everything was paid off, I no longer have the original documents with account numbers

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I have previously made several prior formal written attempts to protest the fact that although CFPB keeps sending me written communications instructing me to Log-in, at https : //help.consumerfinance.gov. to review my complaint status on submission number : XXXX ; your continually site blocks all my attempts to login and the password reset function states my account has been disabled. 
Your latest written communication is dated XXXX XXXX, XXXX, and once again claims the company has taken steps to resolve my complaint ; but as of today my account still remains disabled.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
ocwen loan servicing llc got my mortgage transferred fromXXXX XXXX .when ocwen sent my first statementthey added a {$2800.00} fee. my account should be reimburst for any and allfor any and all costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-05 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
We are homeowner with a mortgage serviced by Ocwen. I am a Veteran and retired from XXXX with nearly 14 years in. My story is two-fold, 1.Making payments-Loan servicing, payments, escrow accounts 2.Problems when you are unable to pay-Loan modification, foreclosure Ocwen purchased our loan from another mortgagor. At that time they constantly said our full monthly payment was short bc of fees the previous company took and so Ocwen kept taking our monthly payment and applying it to fees instead of the principal payment and told us we only made a partial payment when we would MAKE NUMEROUS calls to someone in XXXX. This cycle continued on a monthly bases without any warning that we were being set up for a foreclosure scam with XXXX of other home owners. They also had a monthly fee for coming by the house and telling us we did not live there. The kicker here was that Ocwen would never give you their email address and then tell you that they never received the fax from you with the number Ocwen would provide. 
THE FOLLOWING PRACTICES WERE CONDUCTED BY OCWEN SERVICING OUR LOAN. 
1.Failing to timely and accurately apply payments made by borrowers and failing to maintain accurate account statements ; 2. Charging unauthorized fees for default-related services ; 3. Proving false or misleading information to borrowers regarding loans that had been transferred from other servicers. 
I also went on the Ocwen website and there was a contradiction that showed payments were made in full and not late, so I printed those out. But after I tried to get a credit check to refinance the house, Ocwen then removed the payment history and changed all the information to delinquent on the website and on the credit history. This so discouraged us that when we saw what they did to my credit score and the mortgage rate we were offered we quit and were XXXX. It effected my wife XXXX and I could n't do anything to fix it. 
Ocwen tried to push us into foreclosure by XXXX XXXX. 
Took advantage of us with servicing shortcuts and unauthorized fees. 
Deceived us about foreclosure alternatives and improperly denied loan modifications. 
Engaged in illegal foreclosure practices. 
This lead to foreclosure talks and us fighting to keep our house by get up to date on our payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
i am a ocwen customer, but i never reeived any information about the lawsuit on the mortgage company place insurance, i believe but am not sure that i filed a claim in the XXXX suit, but have received no response. I am being threaten with forclosure, i filed a loan modification and it was denied, what can i do?

Company response to consumer: Closed with explanation