vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Ideal Collection Services, Inc.
State: CA

Complaint narrative:
I moved out of an apartment XXXX on XX/XX/XXXX. XX/XX/XXXX I received phone calls from Ideal Collection Agency for {$930.00}, that the leasing company was charging me for damages to the apartment. Prior to this I had not received a notice or call from the leasing company regarding the charges. They claimed that they sent a certified letter to the address on file. However, I never received the letter, and even have an email proving that I updated my new mailing address within 30 days after moving. According to Florida statute XXXX, the leasing company has 30 days to send me a certified notice of any charges or forfeits their rights to them. I never received this notice. 
I sent Ideal Collections a certified letter explaining that the company forfeited their right according to the Florida statute XXXX, and that according to the Fair Debt Collections Practice Act they must acquire proof of the damages as well as proof of the certified letter receipt. No such evidence was produced because I did not receive the letter to sign for it. 
Instead the Ideal Collections company sent me a copy of the bill from the leasing company with the end of the required notice missing from the page. I would not know how to respond based on their bill. 
The Ideal Collections company is trying to acquire funds that the leasing company is not entitled to. They did not submit the certified letter to me within the 30 days, and never notified me otherwise of this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
Ocwen loan servicing let a forged mortgage be obtained with my name, they agreed it was a forget and removed my name and liability from this mortgage, as of XXXX XXXX this mortgage and 15 late payments showed up on my credit score driving it down XXXX points as I am in the middle of finding a home to buy, these late payments need to come off immediately, I have no liability for this loan, Ocwen agreed not to put any further actions on my credit, please help this be removed as well as late payments immediately, Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I had a foreclosure back in 2011 with Ocwen Loan and they sold the loan back at that time as well but they have continued to report the foreclosure as if it is a current foreclosure instead of the correct date of last action for them which is XX/XX/XXXX2011

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
giving an update on ocwen, last week i spoke again with a very nice lady named XXXX, spoke perfect english, understood everything she said and she wanted to check on our application and she needed a month of when our hardship began. i said around XXXX, 2011 and i dont even know if thats true, it was a guess, so she said ok i will put it in here myself and send you to underwritting. well today at XXXX. XXXX called from ocwen and said his agent number a little off bc you cant understand anyone except XXXX but it may have been XXXX but not sure, he said we just need to know the month of when your hardship began. i bout died but i said maybe XXXX 2011.he says ok i will input that myself and get you back to underwritting then he reminded me i had an appointment with our relationship mgr. tonight at XXXX and when they called it was a lady her id was XXXX couldnt understand her name but she proceeded to tell ask me if i spoke with XXXX today and i said yes and she said well if you can fax me a paper stating what month your hardship began in we can get you to underwriting. this is like the XXXX request for a hardship date in XXXX weeks. XXXX are you guys out of your mind. now i just found out that i have a bad XXXX well no XXXX wonder the second leading cause of a bad XXXX is STRESS and let me assure you ocwen that since you have been doing my family this way since 2011, you are the cause of my STRESS

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
My escrow payment increased from roughly {$330.00} a month to {$410.00} a month while my taxes/ homeowner insurance have stayed the same. No XXXX at ocwen has been able to tell me why or tell me where my money is going. They tell me someone will get back to me and they never have for 2 weeks now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing the terms, balance, and amount owed on my Navient student loan account. It appears they may have front loaded interest payments. Creating a problem for my principal to be reduced each month I 've been making payments. Loan seems to her higher each month instead of going down.it appears they 've shifted loan interest instead of principal. These a ruins were willful, intentional, and taken in bad faith. I am asking for accurate verification of debit, balance, interest and principal due on my loans.

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 2015-06-05 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
We are requesting that the Consumer Finance Protection Bureau assist us in resolving a dispute with Ocwen Loan Servicing. Ocwen has unilaterally altered the terms of the mortgage note we executed in XXXX XXXX. Our efforts to resolve the matter amicably with Owen have been unsuccessful and we are therefore seeking your intervention. We have attached a letter detailing our issues along with.a copy of our mortgage note dated XXXX XXXX, XXXX, as well as the following : XXXX XXXX a copy of a letter we received from Ocwen Loan Servicing, dated XXXX XXXX, XXXX, after we requested Ocwen to correct an error concerning how our loan is to be repaid. Ocwen had recently taken over servicing of this note. 
XXXX XXXX a recent Ocwen notice dated XXXX XXXX, XXXX, a year later, which again does not accurately reflect the terms of the note.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
In XXXX of XXXX, Ocwen Mortgage increased my monthly mortgage payment from {$2100.00} a month to {$2400.00} month, an increased difference of {$330.00}. I contacted OCWEN customer service and they claim that the increased was for a data analysis of my account, which was not performed in XXXX non-payment of approximately XXXX from escrow account ( homeowner insurance and county property taxes ). Although I have had Ocwen as my mortgage company since the beginning of XXXX and they had made payments to the insurance company and county through the escrow account since XXXX and I have incorporated the escrow in my mortgage payments and have paid my mortgage on time to Ocwen since XXXX. Ocwen claim that my escrow account was in the negative and the increase was required to pay the balance of the escrow of {$3400.00}. This recent increase in escrow payment does not appear to be legitimate and shows that fraud is occurring within Ocwen. The explanation by the Ocwen representative did not make any sense, since payments are suppose to be paid each year to the insurance company and county and has been paid my mortgage holders, since I purchased my house in XXXX of XXXX. I have never heard of any mortgage company increasing an escrow account by this much and let alone indicating that my account was in the negative, when payments are being made to pay for the escrow accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-16 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: HI

Complaint narrative:
XX/XX/XXXXMy name is XXXX XXXX XXXX. I have a house here in XXXX Hawaii, We bought the house on XX/XX/XXXX when I was married then we refinance it XX/XX/XXXX and then me and my ex got divorce. after we got divorce I been fight to save the house its because its is under my name since XX/XX/XXXX which I did n't know till three months before my ex filed the divorce paper. By XX/XX/XXXX I found out that he never paid for three months and I tried to pay the behind payments all the way till XX/XX/XXXX. Then that 's when the XXXX XXXX has been harassing me calls and soliciting collecting debts. By XX/XX/XXXX I send them a hardship letter stating that due to my divorce I can only afford {$1200.00} a month plus I applied for modification with my hardship letter, they said I wont be qualified for modification because of my income is not enough, and which they accept that payments up until XX/XX/XXXX. They sent me a letter stating they cant accept my payments anymore or not applied to my mortgage so I ask them where my payments went? they put those payments of mine in the fund. Since then I have been fighting struggling and handling their harassment that makes me sick and XXXX, I went hired lawyers to lawyers to find who can help me, but all they do is tried to sell my house. I been fighting for them attempting to foreclose my house for five years. I seek help form the mainland thought they could help me. Then I found this XXXX XXXX who did a research of my mortgage and they found out some rebo-signing and records about my mortgage. They keep on transferring servicer company from XXXX XXXX, to XXXX now Ocwen. I have a consultant that helping me as under writer that do all the response letter and filing to response the motion from this company that represent the XXXX XXXX XXXX XXXX. Now I am in schedule to appear in court again because they want me to sign the approval that the Judge here in XXXX trying to give judgement to the Plaintif XXXX XXXX XXXX XXXX XXXX, as a Trustee for XXXX XXXX XXXX XXXX XXXX which was the XXXX was filed Bankcrapcy on XX/XX/XXXX. Thas is what we are trying to prove that all of this mortgage matter of my house is falsify. Now the XXXX XXXX XXXX who representing the XXXX XXXX is trying to foreclose my house where I am trying to fight and save my house I do n't want to sell it. I am writing you to to help me. I am fighting for my rights my future and for my kids. PLEASE HELP ME OR SOMEONE HELP ME.. before its two late. We have proof documents that we needed but seems the Judge here is a crook and taking his side to the plaintiff without any further research the fact. I am a simple citizen fighting for my rights. ..so please help me ... I need a urgent help. 

Repectfully, XXXX XXXX XXXX XXXX XXXX, HI XXXXel # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
Filed for bankruptcy in 2010 with the promise of a modification but never happened they only proceeded with the threat of foreclosure. We got caught up and now after a discharge the same thing. The property is worth XXXX to XXXX below what we owe on it and realtors state that the house is not in condition for FHA sale. This was from XXXX realtors from XXXX different firms. When contacted Ocwen they only replied back with when can you make your next payment. We have spent XXXX of dollars trying to renovate property but it just not enough, we are so under water in the property that we 're starting to see seaweeds, slight exaggeration but that 's the feeling. The loan/refinance should n't have never been approved and we are partially to blame and I take ownership in that regard but for the Ocwen not wanting to help out in no way Is just wrong. Please offer your assistance if you can as it would be most gladly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
Ocwen loan Servicing is dual tracking a short sale. There has been an offer on this property since XXXX XXXXXXXX. They have repeatedly asked for updated documents from the buyer, borrower and real etstae agent. Now they have put up a foreclosure sale date for XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Kansas Counselors, Inc.
State: KS

Complaint narrative:
Per the XXXX, XXXX have no out of pocket if the past XXXX showed problems such as but not limited to XXXX. In XXXX at the same place they detected and removed XXXX. XXXX XXXX did not diagnostic as that was completed by XXXX XXXX in XXXX. This should have been coded as prevention as I have a family history of death by XXXX, the most recent was my dad on XXXX/XXXX/XXXX. XXXX these XXXX pages show the language of the XXXX in regards to XXXX. On XXXX/XXXX/XXXX I disputed the debt to XXXX, XXXX XXXX ( XXXX ), XXXX, XXXX XXXX XXXX and XXXX, on XXXX/XXXX/XXXX I disputed the debt to Kansas Counselors of KC. The coding was XXXX and XXXX which is prevention. The letter of dispute I sent to XXXX, acct # XXXX was a letter of dispute containing the aforementioned letters to government agencies and the doctors. XXXX, merely ignored and returned to me. Then they placed it on my credit report failing to list it as disputed. They continue to call and leave messages on my cell phone, a collector named XXXX was leaving voice mails. This unjust debt needs removed from my credit as they have violated the law. It dropped my credit score XXXX points. XXXX had been constantly calling and placed improperly a debt on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-15 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
My home is underwater I owe more than its worth and I needed help. 
So I applied for a Principal Reduction and a Loan Modification with Ocwen LLC ; XXXX XXXX. I requested the Loan Modification package several times from Ocwen in writing and received it the last part of XXXX XXXX. I also did at the same time apply for Keep Your XXXX California in XXXX XXXX. I received a letter from Ocwen dated XXXX/XXXX/XXXX with an Auto-generated value assessment of some sort? Contained within the document were comparables that were miles away, brand new custom homes nothing like my home. I have a track home which was valued at the low XXXX 's. I submitted to Ocwen MLS Comparables in my neighborhood realistic values ; with the highest value at XXXX. 
I submitted requested documents to Keep Your Home California while submitting the loan modification package to Ocwen twice. By XXXX XXXX, XXXX Keep Your Home California sent me correspondence stating that I qualify for a Principal Reduction. Keep Your Home California had requested my old Loan Modification from 5 years ago to help with the process ; I then wrote Ocwen requesting a copy of my modification be sent to Keep Your Home California ; I did this twice. By XXXX/XXXX/XXXX Ocwen LLC sent correspondence to me that they had received my application for assistance and the process would take 30 days to review. In the meantime I had requested in writing for someone to help me through this process and on XXXX XXXX, XXXX ; I received a letter from Ocwen saying I had a relationship manager XXXX XXXX. On XXXX XXXX, XXXX ; I received another letter from Ocwen that they had received my request for assistance and it would take 30 days to review my application. This process with Ocwen has been confusing and stressful to say the least! Now to make matters worst in the process I receive a letter from Keep Your Home California stating that my loan servicer Ocwen has not approved my loan for participation in the KYHC program. It appears Ocwen LLC wants me to loose my home ; Keep Your Home California stated that I had qualified for the program. Ocwen has participated with Keep Your Home California when I use them before on XXXX XXXX, XXXX. I received the Satisfied Reconveyance Deed XXXX XXXX, XXXX. 
Ocwen LLC is preventing me from obtaining a principal reduction to help make my payments affordable. My family has lived in our home for 23 years and I need your help so we can keep our family home and not loose it to foreclosure. I will attach all supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
My home was damaged by fire in XXXX 2013, a claim was submitted to XXXX XXXX XXXX XXXX by Ocwen Loan Servicing, my mortgage company. The total amount approved by XXXX XXXX to cover the cost of the damages was {$150000.00} of which {$14000.00} was held back, and is still being held by XXXX XXXX as recoverable depreciation. Of the {$130000.00} that was disbursed to Ocwen, only {$100000.00} was paid toward the required repairs to my home. I have been trying to get Ocwen to release the remainder of the funds to enable me to complete repairs on my home, but to no avail, they are stating that all monies paid to them by the insurance company has been disbursed for repairs to the property. I even tried speaking with XXXX XXXX about releasing the recoverable depreciation to assist me in completing the repairs, but I am getting nowhere. I am currently paying the mortgage on the property that is not habitable. The other issue I am facing is that, in spite of the fact that the house repairs are incomplete, Ocwen is claiming that they have been sending inspectors to the property to appraise the progress of the repairs, and they have subsequently received a work complete report from their inspector, whose name remains a mystery. 
On another matter, I would appreciate if you would look into the work ethics of XXXX XXXX XXXX, also known as XXXX XXXX XXXX, they are the contractors whom I hired to do the repairs on my home, but they decided to take the insurance funds and not do the required work, incidentally, this was what drew my attention to the fact that Ocwen was withholding insurance funds. XXXX XXXX. XXXX XXXX, accepted and cashed checks by forging my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CT

Complaint narrative:
Please see complaint [ Case number : XXXX ] as this is in addition to the previous case. Ditech has now confirmed that we did indeed payoff our loan. They have yet to return escrow funds and mortgage release. 
They have placed a negative incident on my credit report with XXXX, stating that my XX/XX/XXXX payment was 31-60 days delinquent. Since they received full payment for mortgage payoff on XXXX XXXX ( check cleared ) they had no right to give negative incident.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
Ocwenloans took over a loan we had. When we were forced to sell our home in a short sale, part of the agreement in the settlement was that Ocwen would remove the item from our credit files. We disputed this with the credit bureaus and they left it on all XXXX files.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: HW Holding, Inc
State: MD

Complaint narrative:
I had made a verbal phone settlement of the debt for XXXX of the original amount of XXXX and requested the company to give me the settlement agreement on this, and they refuse to give me something in writing stating we agreed on the 3 payments of XXXX + XXXX processing fee per transaction and once i make those payments the remaining balance will be forgiven and I would have settled for 50 % of the payment. The company refuses to give me something in writing and states that their company doesnt provide anything in writing untill the amount is paid off and is refusing to give me proof that once i pay the settlement amount the loan will be closed. They has made rude comments on the phone, and have been very degrading when i asked for documentation for an agreement of settlement, i told them i understand it is not paid in full but i need to know what amount im paying back and if they will uphold their end. 
Please help, I feel bullied with this company.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation