vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
In accordance with the Texas Debt Collection Act you have filed a cancellation of debt and are suppose to cease collection efforts. Ocwen and XXXX XXXX company cancelled my mortgage debt and I received a XXXX and letter from them as well as it is reflected on my credit report. I contacted them to tell them that there must be a mistake. After multiple attempts trying to rectify the situation they sent me a letter confirming the XXXX balance and reported it to the VA. A few months later they come back and say I am delinquent. I filed the XXXX like I was suppose to and created a debt of XXXX. Had to file a XXXX to get that forgiven. Now they are still wanting to collect and foreclose.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
Ocwen Loan Servicer for XXXX XXXX, refused to honor the mortgage modification agreement that I entered into with XXXX XXXX. Instead they filed a complaint to foreclose on my home. Despite me repeatedly telling them that I had a modification, they ignored me. Now my home has been foreclosed on and sold at a sheriff 's sale. When I told the court that I did not receive notice of the sale, the bank is saying that they need only show that they mailed me the notice. I legitimately had problems receiving mail at my home. But the real issue is that I should never have been in court, because, I already had a modification agreement that was not honored by Ocwen and XXXX XXXX. Then once I complained, they tried to get me to sign another modification agreement with different terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I have a mortgage with Ocwen Loan. My payments just keep raising my payments. I asked for a loan modification and was told that I have to be late on my mortgage first. I did what they as asked. Ocwen denied me over and over again.This caused me to be late on my mortgage. I found out later that I could not get a HAMP XXXX DUE TO BEING LATE. Now they are saying they offered me a modifications. What they sent was the payments three times the amount of what I was paying THAT 'S NOT A MODIFICATION. THIS HAS GOING ON TOO LON LONG. My home is a XXXX account. It is a MORTGAGE BACK SECURITY, THE HOME IS NOT SECURED AND THEY ARE THREATENING FORECLOSURE. I just want help. 
Many of my payments did not get reported. They continue to add fees that are astronomical. PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
Currently, Ocwen wants me to start the modification process all over. Ocwen has lost or misplaced my paperwork multiple times. I have answered every call, attended every appointment but when it come time to submit paperwork something happens. Recently they approved my modification. I completed all of the trail payments, submitted all of the paperwork even after the XXXX set was destroyed by rain. Then on XXXX XXXX they denied my paperwork after assuring me that they have my file and I only needed to correct XXXX slight issue. I returned their paperwork before their due date and they have since started foreclosure precedings on my home. Even though they send me an agreement saying to return the corrected paperwork by the XXXX and the loan is still modified. Multiple phone calls have only lead to their reps saying everything is ok yet they continue to send denial letters and foreclosure paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
My home was foreclosed by Ocwen Loans. It was my primary residence. They are reporting to the credit burrows that I still owe them over XXXX dollars. They should be a XXXX Balance. I spoke with a representative and they were unable to provide me with the correct information after several attempts. This is interfering with me purchasing a new house.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Kansas Counselors, Inc.
State: MO

Complaint narrative:
I have disputed this several times which this account is unknown to me and have requested validation. I have heard nothing back. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 00:00:00
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
This company ( Ocwen ) wanted me to make monthly payment of {$530.00}. I paid from my bank account every 2 weeks with amount {$300.00}. They still tell me owed them? When I start my payment ; I set my bank account to made payment full amount of they want for this first month, and set my bank account to start pay as {$300.00} every 2 weeks. Total {$600.00} per month. When they told me I owed them ; I made the payment direct from my bank account ; paid them full amount they wanted for that month ; and split 2 payment of the next month start from middle of next month as one on XXXX or XXXX of the next month {$300.00} and {$300.00} at the end of next month. I did this as two three time. They still said I owed them and late payment? I call them to dress the problem ; they accuse and sometime they hanged up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
What happen is that I was paying my loan to Bank then this entity sold the loan to another bank so i still sending my payment to this new bank and it happens to be that this bank is sending me a foreclosure letter when I 'm paying month to month they are phonies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Asset Recovery Solutions, LLC
State: CO

Complaint narrative:
I received a phone called at work from a XXXX at Asset recovery solutions. This person was very degrading and I spoke to me in a very condescendingly way. Then alluded to suing me for not paying my debt.

Company response to consumer: Closed
Consumer complaint received 2015-04-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
i submitted a shortsale package to ocwen on XXXX, this was prepared by a lawyer and absolutely flawless, it included all the documents and forms the lender department of justice required to be reviewed for a hafa shortsale. after probably XXXX hours of utter mystery ocwen today send me a letter telling me that we do not have enough time to do a shortsale. is this a joke i say. they as in ocwen use a 3rd party XXXX to list my property at auction at a price that was over XXXX of my home my house is worth about XXXX and in horrible condition bottom line unlivable, but i manage in my slum. how can they do this when they listed it for over 60 days on this auction. i was told the foreclosure would be on hold during and after this XXXX time period the auction completed and there were no offers, not urprising. this is absurd how this is happening. i live in my house i am a veteran and i am getting frclosed on when i have been trying to get a shortsale approved since XXXX. this is unfair and i am contemplating legal counsel to contact ocwens legal department. i should not foreclose and ocwen should be more attentive to their investors files. please help my foreclosure is XXXX ocwen is XXXX and in another XXXX XXXX country for crying out loud. can you have an XXXX that i can understand contact me please. no offense XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
Good morning, my issue is simple, Ocwen Bank denied my loan modification. I am in eminent default. They refused my calls, checks, and request for over a year. Now they claim the investors for my loan type do not offer loan modifications. On the Ocwen website they have plenty of options for customers who are in default, they did n't offer me anything. Please help as I want to catch up my mortgage payments and do loan modification. They also refused my request for Qualified Written Request, I have a MAJOR error in my account as the bank has refused to discuss my account up until I have filed a series of complaints, the largest error is nobody even until now can tell me the status of my account, balance, etc. this appears to be highly illegal PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
MEMORANDUM TO : OCWEN LOAN SERVICING, LLCESCALATIONS DEPARTMENT, XXXX. XXXX XXXX, XXXX XXXXFROM : XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXREGARDING : ACCOUNT # XXXXWe are writing this letter to appeal the decision for a denial of a mortgage loan modification reason : our loan has already been modified under ( HAMP ). The mortgage was not with Ocwen at that time we received the modification. The mortgage was a variable mortgage and we wanted to get a fixed mortgage so that we could afford the payments. 
Three years later we are still trying to get a modification even though it can be temporary for 6 months or a year as your modification application states. I am unemployed at this time and would like for the payments to be a little lower, or course, foreclosure and short sale is not an option we plan to keep our home. 
We have spoken to Hub approved counseling agencies for these reasons. 
I applied for an unemployment deferment or modificationYou failed to send me an appeal period allowing me time to dispute the decision. 
I pray that this appeal will be what God intends it to be and you would take into consideration for a deferred modification, temporary modification due to unemployment. 
Please find enclosed : Unemployment award letter ( XXXX ) -2 months Statement of earnings, plus Social security XXXX for ( XXXX ) Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-09 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
In its XXXX XXXX, XXXX response ( Ex. XXXX ) to my prior CFPB Case XXXX, Ocwen confirmed that the subject loan has been owned by American Home Mortgage Assets Trust XXXX ( " AHM Trust XXXX '' ) continuously from XXXX XXXX to the present, stating, " the Consolidated Note was never transferred out of the AHM Trust XXXX. '' Importantly, in later contradicting said statement in the same response, Ocwen nonetheless states that the loan is held by American Home Mortgage Servicing. In addition to be inconsistent with the initial response above, said response requires withdrawal of the inconsistent documents under Ocwen 's Consent Judgment with CFPB. A more complete explanation is set forth in the attached letter to CFPB General Counsel XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Tri-State Adjustments, Inc.
State: CO

Complaint narrative:
This letter is being sent to you in response to the above reference account that TRI-STATE ADJUSTMENTS has reported and listed on all XXXX major credit reporting agencies ( XXXX, XXXX, and XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and Validation is requested. 
This is not a request for " Verification '' or proof of my mailing address, but a request for " Validation '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any documents that show I agreed to pay what you say I owe ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; Provide me with your license numbers and Registered AgentAt this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ) this action might constitute Fraud under both federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company, or companies that you represent. I will not hesitate in bringing legal action against TRI-STATE ADJUSTMENTS for the following : Violation of the Fair Credit reporting Act Violation of the Fair Debt Collection Practices Act Defamation of character

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I have had many problems with Ocwen trying to work with my mortgage. I had a modification on my home in 2010 and it was never done proper. I tried to challenge the amount and got nowhere. So I just took the charge and continued to pay what they said I owed so we would not be homeless. Now, due to increased medical bills I have had some missed payments and late payments, and Ocwen has refused to work with me for over a year. I finally agreed to sell the house, if I could do a principle reduction so I could do a short sale and not be impacted with a huge loss. They notified me last week thru mail that my home is set for auction on XXXX XXXX in foreclosure sale. I explained again, my spouse is a verteran, XXXX, and I work part-time. I am willing to sell the house and start over, but I have no where to go and no money, with such a short notice. Medical bills are constantly increasing even with XXXX. I do n't want to throw all our money away that we have put into the house. They spoke with me on the phone and said I needed a CASH buyer or the house will be sold on XXXX XXXX. I asked them to please work with me for a half- short sale so we can get some relocation money. They said they want the house back first and then they will consider the relocation money. Can you please reach out and ask them to consider a mortgage reduction for a short sale or half short sale with a relocation package. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
My husband died, the mortgage was not in my name. I was working with Ocwen on a simple assumption and I was approved for a trial modification with Ocwen. I made all 3 trial payments and my loan was sold to XXXX. When speaking with Ocwen they stated that all my information would also be transferred including the fact that my loan was about to be modified and put in my name and that I had made all three trial payment on the trial modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
On XXXX XXXX, 2014 XXXX XXXX XXXX XXXX, paid off the existing loan on XXXX XXXX XXXX, XXXX XXXX, CA XXXX. OCWEN Account Number XXXX. OCWEN has since has refused to file a reconveyance deed showing the loan has been paid off in full. I have talked with them, telling them the law states they have 60 days to do so. They said they did not have to because they had sent a letter to me stating that the loan was paid off. Because this loan still shows active, it is causing me a problem on future refinancing. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX date : XXXX XXXX, XXXXXXXXXXXX XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-18 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Patenaude & Felix A Professional Corporation
State: CA

Complaint narrative:
The Collection Agency - Patenaude and Felix - put a lien on my bank account and without warning extracted funds ( {$12.00} ) from my checking account. I subsequently called them and spoke to a representative offering to arrange a payment plan. He declined my offer insisting the only way to avoid having funds withdrawn from my bank account in the future would be to pay the entire balance in full immediately. Of course, this is impossible for me to do otherwise I 'd have done so by now. This concerns me greatly as I have a joint bank account with my wife. The thought of having funds withdrawn from our account is now something we constantly fear. I just want a payment plan that I can afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
I had made mortgage payments to Ocwen Loan Servicing for the past 3 years via their automated phone pay and in return I would receive a confirmation number. However, beginning XX/XX/XXXX Ocwen did not withdraw the money from my bank account. Believing that this was a mistake and they would get it corrected I made my XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX payment the same way which also was never withdrawn. In the meantime, I had started proceedings to have my home refinanced through my local bank. I then requested a payoff balance and was given a figure to which my bank wired the monies to Ocwen. XXXX days later the wire was sent back stating that it was short and they filed for foreclosure of my home for non payment. Not once during the length of this loan did I ever receive a statement, notification of non payment nor a phone call in regards to this matter. Needless to say it became a very grueling task to get this companies cooperation. After almost 3 months we were able to get them to give us a payoff amount which included unfair foreclosure fees

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Revenue Recovery Corporation
State: SC

Complaint narrative:
I was XXXX in XXXX from XXXX XXXX until XXXX XXXX. When I returned back to XXXX XXXX XXXX I received several calls stating I was assaulted in XXXX. I never lived in XXXX and only visited XXXX to pick my car up from the port. However, they stated I received medical treatment there which is incorrect. I have been in XXXX since XX/XX/XXXX. Whomever, used my identity did not show identification and now I am being billed. I provided them my social security number and they said they were going to handle it. Now it is on my credit. I told them to send me a video because it is not me. However, they do believe I am not telling the truth. I can provide all the additional information needed to resolve this matter. 

XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Date Assigned : XX/XX/XXXX Creditor Classification : Medical/Health Care Creditor Name : XXXX XXXX XXXX Accounts Number : XXXX Account Owner : Individual Account. 
Original Amount Owned : {$1200.00} Date of 1 st Delinquency : XX/XX/XXXX Balance Date : XX/XX/XXXX Balance Owned : {$1200.00} Last Payment Date : N/A Status Date : XX/XX/XXXX Status : D - Unpaid Comments : Consumer disputes this account information, Medical Date Assigned : XX/XX/XXXX Creditor Classification : Medical/Health Care Creditor Name : XXXX XXXX Accounts Number : XXXX Account Owner : Individual Account. 
Original Amount Owned : {$28.00} Date of 1 st Delinquency : XX/XX/XXXX Balance Date : XX/XX/XXXX Balance Owned : {$28.00} Last Payment Date : N/A Status Date : XX/XX/XXXX Status : D - Unpaid Comments : Medical

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 2016-08-02 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
I am not able to accept the modification offered by Ocwen Loan Servicing , LLC .

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
My mortgage was transferred from Ocwen to XXXX XXXX on XXXX XXXX, 2016. The escrow amount at that time should have been XXXX. The escrow amount at that time was XXXX, and that amount was transferred to XXXX. Numerous phone calls has not yielded a return of the funds. Your assistance is needed to remedy this situation.

Company response to consumer: Closed with explanation