vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-17 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I was forced to sign pretender lender loan servicer {$750000.00} loan modification settlement, over {$200000.00} more then the Option One Mortgage loan that was paid in full to avoid Ocwen 's fraudulent trustee sale. Attached is email communication between Ocwen scum lawyer " XXXX XXXX '' denying my written request to have the right to discuss my matter before a congressional hearing before congress. Ocwen scums thought I would bend over and obey. The XXXX is aware of my matter and is correctly scheduling a hearing. So, get ready scums. Even if pretender lender loan servicer OcwenLoan Servicing is successful fraudulently auctioning off my home I will still fight till justice is served and I get my home back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-05 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
Ocwen loan is a servicer for XXXX and has not offered an affordable modification under the HAMP, as requested. The Office of Comptroller of Currency entered a consent order against XXXX and ordered them to offer modifications that benefit the consumer, under Article IV of AMENDMENT TO XXXX XXXX, XXXX CONSENT ORDER. The company was order and given credit for loan forgiveness when the loans were considered under water. Currently the home is worth $ XXXX and Ocwen pursued to collect a debt upwards of $ XXXX more than the original agreement. I sought to discharge this debt according to 12 USC 95 ( a ) 2 and sent Ocwen payment on XXXX XXXX XXXX. My home is still being foreclosed although the laws of the United States states that the debt was to be XXXX when relying on 12 USC 95 ( a ) 2. The payment has not been returned, and there has been no attempts to offer me an affordable modification. Ocwen nor XXXX were original lenders or part of the original mortgage. I am left with no remedy although I am an XXXX. The corporations are threatening to remove a XXXX, although I relied upon the laws of the United States for remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
I have been denied a modification with OCWEN XXXX times. There are numerous servicing errors and documentation regarding ownership of the loan has been misrepresented which has contributed to my denial of a modification. I also had an attorney send a Cease and Desist Letter to XXXX XXXX, repping XXXX, in reference to illegal foreclosure actions taken in violation of MGL 244 s. 35A ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Ocwen Loan Servicing : pass company name 's Option one, Homeward Residential, American Home Mortgage Servicing , Inc. ( AHMSI ). They stopped taking the mortgage payments because they forced placed insurance and I never had a previous laps in insurance I just changed companies. 
After they realized this, they dismissed the foreclosure and continued to not take any payments for over one year. They never had the correct Social Security number so I could not talk with any one. 
After this time period they proceeded with foreclosure a XXXX time Also I learned that the mortgage company did n't have a license, the documents from the mortgage company stated that the note was lost and destroyed. 
The mortgage company 's attorney asked for a 45 day extension and it was granted and they took a whole year before they came back with an answer and then they tried to go straight to trial There was a trial date set and they did n't contact me or my Lawyer so the date was changed by the judge They never had the correct Social Security number so it was always a problem to speak to them on the phone and this is from the beginning of the loan XXXX XXXX XXXX is a company that they always asked me to direct my mail to and the company was/is non-existent ... all mail was returned The service provider, company name " AHMSI, '' kept changing their name XXXX times because they had a class action law suite placed on them for forced placing insurance on their mortgage holders and then filing foreclosure on them. I have not done a modification today XXXX/XXXX/2015 I received a payment plan and I 'm still in foreclosure. We just got pass Ocwen lawyer trying to go to trial contact me or my Lawyer so the date was changed by the judge, now a payment. I just do n't understand how can this company get away with this.

Company response to consumer: Closed
Consumer complaint received 2016-12-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
We were told that we have a past due payment on our mortgage account but we were n't told the month the payment was not received in XX/XX/XXXX or XX/XX/XXXX. I do n't even know the exact month and year we missed the payment. We never received a past due statement until XX/XX/XXXX and now we 're seeing a delinquency payment on our credit report. Also, we applied for a loan modification in XX/XX/XXXX of this year XX/XX/XXXX, and we were denied because the mortgage company said we were current on our loan, had received a previous modification and had positive cash flow. We 're confused because on XXXX hand they say we have a past due payment required but they have not provided us with any proof of this. We 've shared with them that they changed mortgage companies and maybe this is when the payment was misplaced but we have a history of paying our mortgage payments every month. On the other hand, it shows that they are saying we 're current on our loan. In addition, we were told that because we are in the XXXX year of our loan we qualified for a XXXX time credit of {$5000.00} from the Federal Government. They sent us a request form to fill out for the credit if we wanted it. We agreed, signed the papers, and our mortgage was supposed to change once the credit is applied to our principal, and then our monthly payments will be lower from {$2200.00} to {$2200.00}. This has not happen and our payments are being misconstrued. I feel like we 're being taken advantage of by this mortgage company, and we need help to have this situation investigated. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: HW Holding, Inc
State: TX

Complaint narrative:
Repeated calls from different numbers and leaving voice mails. Also had details from my current credit report. I did not authorize a credit search.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Ocwen Mortgage issued me a XXXX form in 2014. This cancelation transaction was report to the IRS, and it 's been confirmed by the IRS that the debt is in their system. Due to a Medical financial hardship I 'm presently in default of my mortgage. A XXXX, non profit organization that Ocwen referred me to work with was unable to secure me a forbearance or modification due to not enough income. The non-project discover that Ocwen, has inflated my principal pay off balance on my mortgage to {$460000.00} after I had informed them that a XXXX cancelation of debt was submitted in 2014 in the amount of {$300000.00} to the IRS. Over the last few years, My monthly statement as well as my credit report showed my Principal amount at {$130000.00}. The Non profit contacted Ocwen to exsplain my current mortgage status and they were giving confusing information, in so many words they admitted to jumping the gun on canceling out the debt and sending that form to me & the IRS, The non profit stated to that something is n't right here based on the last letter sent Ocwen is frantically trying to add the {$300000.00} debt back to my mortgage and I may need to speak legal advice.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I received a loan modification from OCWEN and have made all the payments before the due date but they have assessed a late charge for every payment and have ignored my requests to have them removed even after I provided bank records. I assume they have reported the late payments to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: United Recovery Solutions
State: OK

Complaint narrative:
XXXX continues to call me every day to try and get personal information without telling me what it is needed for or what the company 's business is. I looked the number up on the internet and it says they are debt collectors, United Recovery Services. I do not have any outstanding debts and confirmed with my credit report. I asked for them to stop calling and they have not. They have asked for SSN but would not tell me why they needed it. They have called my XXXX year old grandfather in-law requesting information. They have called me on my company phone which is owned by a federally recognized tribe. They call multiple times in a day even after hours. I would appreciate any help to get this to stop.

Company response to consumer: Closed
Consumer complaint received 2016-10-11 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
Was given a predatory loan by a predatory lender who gave me more than I asked for. I am a senior citizen that attempted to take a small {$25000.00} loan for a new roof. The bank told me to take {$50000.00} as a minimum loan and that it was a no income check. I paid my regular mortgage and this XXXX until the financial crash in XXXX. Then had XXXX and XXXX XXXX in XXXX and XXXX. XXXX recovered, I modified and am current on my first mortgage. This second mortgage is serviced by Ocwen fined XXXX XXXX by NYS for not offering customer assistance to homeowners and to aid them. Their phones rang to nowhere, when people could be reached and made offers others did not have record or honor on XXXX occasion. Mostly it was holding on the phone and being transferred to others who offered no assistance. It kept me in continual distress and hardship creditwise unable to get low interest credit if needed etc. I am current on my larger first mortgage but this loan is in default and I went into negotiation through the courts. The lawfirm did not assist and made me come to many, many meetings and finally submitted a large legal bill thinking it was hourly billing. The judge explained its a fixed fee when they enter court mediation and the lawfirm walked off for years and never assisted after that. A new law firm came in after the statute of limiations had passed and began litigation and is trying to take my home on a 2nd mortgage by quadrupling the amount I requested and doubliing the amount I took, and it was because of them the interest compounded over years not me! 

They never offered the assistance they were fined for by NYS as 2nd mortgage companies were encouraged to do. They are predatory and I am a XXXX who face XXXX hardships, the financial crash and XXXX illnesses. Please investigate Ocwen practices and have them reduce the doubling of my loan so that I can finally have relief from this predatory company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: MO

Complaint narrative:
Ocwen refuses to take late payment. Wont allow payment plan. 
refuse to negoitiate lower interest rate since they acquired loan. Extremely uncooperative.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
My father XXXX in 2009 and I assumed his mortgage loan thru Ocwen Loan Servicing, XXXX XXXX XXXX, FL XXXX, since I own the property. The statement have come in my name since the assumption but I notice that the last XXXX have been changed back into my father 's name. When I contact them, I am told that I am not authorized on the loan therefore they can not discuss anything with me. I have spoken with XXXX different individual. Only XXXX did a little research and found that the statements were coming in my name but would not explain why or how the account was put back into my father 's name. He also advised that he needed a couple of days to correct the mistake and would call back on last Friday. He told me not to call anyone else because XXXX or more people trying to handle the situation would only complicate things. I tried calling him back at the number he gave as his direct line but it goes straight to a voicemail. I have tried to speak with supervisors etc ... but was told they are busy or that I could write a letter to a XXXX for help. I asked for a number to the assumption dept but was told that I could not speak directly to that department, another thing that has changed since 2009. Please help with any assistance.

Company response to consumer: Closed
Consumer complaint received 2015-04-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
HI I fell behind on my mortgage payment I 've been trying to work out a plan to get caught up every time a plan is made I do what the company ask the next time I go to make a payment they tell me we have to start plan over i ca n't seem to talk to a supervisor or anyone to explain or get ant answers I 'm told they 're not available it is really stressful trying to get answers and you ca n't

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Centron Services
State: AZ

Complaint narrative:
The account was paid but my credit report has not been updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: HW Holding, Inc
State: TX

Complaint narrative:
I was a victim of identity theft and noticed a collection from Hunter Warfield I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Hunter Warfield in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-11 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Asset Recovery Solutions, LLC
State: TN

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX took action to collect debts for student loans for which I requested verification. I was told over the phone I had used all in-school deferment and they were going to report it to the credit bureau without verifying because they did n't have to verify at this point. I never claimed ownership of the loans, I asked for all communications to be written because the employees of XXXX XXXX XXXX would call 6-10 times a day from different numbers and yell and communicate threats to me. When I told them I was in professional school they got even more aggressive and called 6-10 times daily from XX/XX/XXXX-XX/XX/XXXX to " intentionally disrupt me until I make a payment. '' Then XX/XX/XXXX they did negatively impact my credit and I sent them a legal document detailing every illegal thing they did in a letter letter with the help of PACER.GOV along with a police report filled for harassment and again asked then to keep communication civil and written so that there can be clear language used to discuss the loans XX/XX/XXXX. They never responded nor did they ever attempt to verify, they never tried to contact me again. XX/XX/XXXX they handed my accounts over to Asset Recovery Solutions , LLC to which I requested them to verify claims made by XXXX XXXX and requested that they not contact via phone but that they mail a letter as well.

Company response to consumer: Closed
Consumer complaint received 2015-03-23 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
i submitted a payment on XXXX XXXX 2015 for my sons mortgage payment as i do every month and it popped up that i had to pay speed pay cause 10 or more days thats what you have to do his payment is due on the XXXX so i did. then on the XXXX i had a payment go threw my bank and they told me it was denied which it should n't have been so i went on line to my bank and so that my sons mortgage place took XXXX payments out XXXX on the XXXX and XXXX on the XXXX so i called the number for company and told the gentleman by the name of agent # XXXX his name XXXX he told me he could see that i was charged and would have them reinburse me and took down the information and said i would also get back the XXXX dollars i was charged for me to hold on till he put the information in and said it would take XXXX to 6 days i explained to him it had to be as soon as possible or my bills would bounce they can take in XXXX they should put back in XXXX he said he had it ready for approval and would put rush on it. i gave them till the XXXX and called and got a XXXX and she said she would have someone contact me. i called on the XXXX and got XXXX agent # XXXX and she would not let me speak with a manager and hung up on me. I called again on the after she hung up on me and got her again and she finally after a few words connected me to a supervisor named XXXX agentXXXX i spoke with her and explained the sittuation and she looked up and said she saw XXXX had put payment in to be reversed and then asked me to send her my bank statement showing they took the XXXX payments and she would get back to me on monday the XXXX and took my number and i did not hear from her by XXXX so i called and got XXXX agent XXXX and had a fight with her over speaking to supervisor XXXX and refused to let me speak to her and said someone would get back with me in 24 to 48 hours so i went to my bank to see if they could help get my money back cause they are giving me a run around and looks like they are not going to return me my money and the heck with my bills we are not talking a few dollars but XXXX this is the worse experience i have ever had in my XXXX years of life dealing with any company so i can only hope my bank can help me out and someone should do something with this company to be able to take what they want from a persons bank and then not want to give it back. the name of the company is ocwen loan service mtg and the number I have is XXXX and punch number XXXX or god knows where you will wind up

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
I have paid my loan within XXXX days of the due date but the mortgage company has not put the payment to the loan until after XXXX days and then places that I am XXXX to XXXX days late on my payments causing my credit rating to drop and making so I cant refinance and use my guaranteed VA home loan saving us thousands. This is not the first time. We had a problem with the in the past saying we had missed XXXX payments and it was from before they got our loan. I have spoken with OCWEN mortgage a couple times on this matter, they agreed my payments were current and paid within XXXX days but payments not applied until after. That 's not my problem. They payment was made within the XXXX days and needs to be made right on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Mortgage lender is not applying payments correctly - they have sent me several letters demaning a past due amount for missed payments - then explaining that my loan was only paid in part - partial payments were received. once those were resolved then another letter would come demanding payment for payments not in full and that my loan was in default and foreclosure- that I had to pay late fees, attorney fees and reinstatement fees

Company response to consumer: Closed with explanation