vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-04 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
I have an Ocwen shared appreciation mortgage! I received a XXXX from them in 2014 for the discharged debt with code I ( IRS code for other actual discharge prior to an identifiable event ). I have a sales contract on my residence where I was led to believe that I owe them 25 % of the appreciated value over the principle reduction! When requesting the payoff they have not adjusted the waived balance and are telling me that it is not discharged and is being added back to my loan balance and is being included 100 % in my payoff to them! They also made me send the sales agreement and pay for an appraisal so they could determine my adjusted payoff! Now they say that I had a default and I now owe them the entire balance even though they reported it to me and the IRS as forgiven debt! This is deceptive and fraudulent business practice and I am disputing my payoff! My house is scheduled to close next week!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
I strongly feel that my mortgage is consider to be " underwater ''. I have been min iiinn my in my home for 22yrs now. When I first purchased my home it listed for {$78000.00}. I just got approved for a balloon loan modification through the HAMP program. This loan was modified with a new principal balance of {$120000.00} with a 2 % interest rate for 20yrs and at the end of the 20yr loan period I will owe a remaining balance of {$55000.00} that will be due in XX/XX/XXXX. I am complainting because I do not know why I still owe this large this large amount of money on my home after 22 years of payments. I want to know where has all my money gone in the last 22 years because I feel like I am starting all over with this new balloon loan modification and no one seems to have the answers to my questions. In fact, I should just about be finish paying for this single family home in 8 more years. I first brought this home XX/XX/XXXX. Please help me understand my total situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NV

Complaint narrative:
On XXXX XXXX 2016, I went onto the XXXX website to check my credit report and found, once again that Ocwen Loan Servicing has failed to report accurately to the credit bureaus. This has been an on going issue with Ocwen Loan servicing! Per XXXX, Ocwen failed to report to XXXX and possibly the other credit reporting agencies that we were current for the months of XXXX, XXXX, XXXX and XXXX 2016. Per Ocwen Loan Servicing website, it clearly reflects that Ocwen received XXXX 2016 payment on XXXX XXXX 2016. Ocwen also received XXXX 2016 payment on XXXX XXXX 2016, XXXX 2016 payment on XXXX XXXX 2016 and XXXX 2016 payment on XXXX XXXX 2016. Per Ocwen credit history report on us, it clearly reflects that Ocwen is reflecting for XXXX 2016 a " XXXX '' which means no payment history available this month! As you can see, this is inaccurate! Per Ocwen credit reporting on us, it clearly reflects the last time Ocwen reported to the credit bureaus which was on XXXX XXXX 2016. Now, Ocwen has failed to report and report accurately. As you can see with the attached documentation that Ocwen Loan Servicing failed to report accurately. Note : we recently tried to apply for a second home mortgage in Utah but with Ocwen failing to report accurately, this caused our bank to increase our rate from 3.85 % to 5.75 %. Our bank did not know if we paid Ocwen Loan Servicing for those months or not! By Ocwens actions, it can cause us to be denied credit or to have a higher interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08 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:
As of today XXXX XXXX, 2016, We have not received our monthly mortgage statement from Ocwen Loan Servicing LLC . It 's been 45 days since our last statement. Ocwen Loan Servicing is trying to make us default on the loan Also since we the request for account to be de-escrowed, we have not received a refund check. I want the funds be sent directly to us and not applied to the account.

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 2016-09-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
3 years ago ... we received a Shared Modification from Ocwen ... They are the epitome of a THIEF. Thy request invoices and documents of what was updated in our home. We submitted them and they have the nerve too say we can not confirm. ARE THEY A BUNCH OF XXXX OR WHAT. We fixed and updated our bathroom utilizing XXXX XXXX to complete the job. W also used a glass company to replace the Shower door. sent in those invoices. They are fools and idiots and I am tired of going back and forth. WHY ARE YOU PEOPLE NOT DOING SOMETHING ABOUT THIS COMPANY. 
I have had it with them trying to rip us off. 
Now the invoice for the shower is {$4200.00} and the invoice for the shower door is {$1300.00}. Where they got the invoice where they saw {$780.00} is beyond me. They are bunch of XXXX people. Also submitted invoice where new roof was done, gutters replaced and siding and new windows. 
NOW YOU HAD BETTER TAKE CARE OF THIS AS WE ARE FED UP.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I spoke to my relationship manager on Late XXXX to discuss a mortgage resolution that has yet been fixed. The relationship manager said that she will look into me paying a {$1400.00} down payment and then have a {$1000.00} mortgage payment per month. The relationship manager said she needed to get approval before it can be approved. I never heard back from my relationship manager for the approval nor did I get any letter saying I was approved. After about 3 weeks, I went online to my account at www.ocwen.com to see if there is any update and I saw that all I had to pay was a payment of {$1000.00} starting XXXX XXXX, 2015. I made my payment on XXXX XXXX, 2015 and received a confirmation letter XXXX from Ocwen. I checked my Ocwen account daily to see if my payment posted and on XXXX XXXX, 2015, the {$1000.00} was deducted out of my wife 's XXXX account on XXXX XXXX, 2015. Ocwen stated on the phone that they rejected the payment because I did not pay the {$1400.00} down payment. I explained that they never sent me a letter with approval and when I saw that I had to pay the {$1000.00} I paid it. 
Ocwen has been playing around for a XXXX time now. Most recently I submitted a letter to the CFPB in regard to {$10000.00} I paid Ocwen with no resolution. I am in dire need of help from the government as Ocwen still has messed up my situation. They seem lost when it comes to phone calls and when you do the right thing they just want more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I had a FHA loan with a mortgage company who had set up an Escrow account for insurance and property taxes. Property tax was due for payment but the loan servicer did not pay it despite enough funds being in the escrow account resulting in penalty of {$160.00}. 
After the tax due date I had refinanced my mortgage and had to pay the penalty. I wrote and requested the Servicer for a refund but they denied saying that it was my responsibility and that nothing can be done as the account with them was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
On XX/XX/XXXX we took out a loan # XXXX with GMAC mortgage for {$300000.00}. On XX/XX/XXXX with did a refinance with GMAC Mortgage loan # XXXX. On the enclosed HUD statement a payment of # XXXX was made to " Internal Payoff to GMAC Mortgage ''. However per letter dated XX/XX/XXXX when they did the lien search it had not been placed on the property therefore they did not execute a release of Lien. However after that a lien was placed on the first loan that had already been paid off. The was recorder on XXXX XXXX page XXXX for the amount of {$300000.00}. This should have never been put on since it was paid off on XX/XX/XXXX as stated in the letter from GMAC. 
We are trying to get a loan and are unable to since the lien is still on our property. Since GMAC mortgage no longer exists I tried calling XXXX. They would not help me and gave me Ocwen contact. I called Ocwen and they also would not help me as they only have information on the Active loans. 
In addition the title company that serviced the refinance is no longer in business. We need help on who has the GMAC documents and can help provide us the release of lien that was paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: WI

Complaint narrative:
Ocwen Mortgage - they were over charging me for escrow on property tax. Overcharging me in excess of XXXX a year. I contacted them and they promised to correct it and send me a refund. I was told it was handled. So I started paying what I thought was the proper/adjusted mortgage payment. As a result they charged me with " late payment '' with fees and it showed up on my credit report. This has been a negative mark on my credit. Finally after repeated calling they did take care of it and issued me a refund for overpayment. They never removed the credit errors of " late payment ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: CITYWORTH MORTGAGE LLC
State: VA

Complaint narrative:
I was approved for a loan from CityWorth Mortgage on XXXX/XXXX/XXXX. My agent sent the loan officer XXXX XXXX the contract on XXXX/XXXX/XXXX. It took him weeks to get started with the loan process. On XXXX/XXXX/XXXX my realtor reached out to him again to see if he started working on the file, but he would not respond to her. On XXXX/XXXX/XXXX he started working on the file. XXXX/XXXX/XXXX he advised the appraisal came back with repairs. On XXXX my agent emailed him to advise repairs were made and for him to order re inspection. he advised it was reorder XXXX. On XXXX/XXXX/XXXX my agent spoke to the appraiser who advised he never received a request to go back to the property. On XXXX/XXXX/XXXX my insurance info was emailed to him. On XXXX XXXX, he had all documents he requested. On XXXX/XXXX/XXXX I sent him documentation I was now receiving XXXX, resent XXXX XXXX, and bank statement .XXXX would not respond to use for over a week. We have emails showing from abt XXXX to XXXX XXXX would not provide updates. On XXXX my agent as for his supervisor, no reply from XXXX. On XXXX XXXX states he needs a clear copy of funds ( which was a gift to close ) leaving my sons acct. That was provided multiple times. XXXX said XXXX the file was in underwriting. On XXXX the processor sent an email asking for pay stubs, bank statements, tax transcript, and insurance information all over again. On XXXX my agent again ask for number for the corporate office so we can file a complaint no reply from him or his supervisor with the information. On XXXX XXXX his supervisor advised my agent this file never went to underwriting. He also advised they are denying the file. There are so many things wrong with this process. They did not process this in a timely manner. They did not communicate and update correctly. Finally they denied my loan but i am still employed and I have XXXX income. I feel like this is discrimination. After being denied on XXXX/XXXX/XXXX I asked XXXX for a copy of my file I received no reply.

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 2016-04-12 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Financial Asset Management Systems Inc
State: AR

Complaint narrative:
Loan was taken out for my grandson in XX/XX/XXXX in which I was the co-signor. Over the course of 10 years I have made payments on the loan and am now being told that I owe over {$2000.00}. I noticed that the loan number that I had been paying on is not the same number that I am being contacted about now and have inquired why the number changed. Loan was taken out with XXXX and my request for a payment history has not been provided. I received information from XX/XX/XXXX to XX/XX/XXXX all information for prior years dating back from XX/XX/XXXX I 'm told they can not provide because they have a new system. So therefore my payments are not accounted for. My grandson had other loans and it is my belief that payments were applied to the wrong account. I am on a fixed income and am now being harrassed by a Collection Agency Financial Assest Management Systems , Inc, XXXX XXXX XXXX, XXXX, GA XXXX phone number XXXX. I am being charged intrest and late fees but no one has responded to my request to validate the debt. The original loan was for {$5000.00} in my calculation this should be paid in full at this point and if not paid in full my balance should be no more than {$200.00}. I have gone to my bank to request copies of my cancelled checks which the cost of having them to provide copies is more than I can afford for such history. I do n't know what else to do at this point. I ca n't get any information form Navient on the account formally known as XXXX XXXX. I have heard of the debt tactics that they use and how individuals seem to never pay loans through them. I do not want to be ripped off any longer and request your assistance. I have requested a bill and have never received a bill. Therefore there is no way for me to know what the true balance is that they say I owe as there is nothing to show where may payments of all these years have been applied. All I know is they took my money and applied it to someone 's loan.

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 2016-06-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Duncan Solutions, lnc.
State: MD

Complaint narrative:
Please see attached. I received a notice from the collection company. When I first called they were not very unprofessional and the operator hung up on me. I called back again and requested to speak with a supervisor. I was told to hold and they would request a supervisor. I was then put through to a voice mail and still have not received a return call. I was told that I am not allowed to request proof and if I did n't pay they would report me to the credit agencies immediately even though I never received any notification from the City about the citation. I have since filed a Motion to Vacate the citation. I have attached all of the paperwork for evidence. The operator said they will report me to the credit agencies no matter what I did. I am reporting this is the CFPB before they illegally report this account and mess up my credit. If they can validate the claim I have no issue paying but I think since I have not received anything from the City or this collection agency I have a right, before they report my account, to validate it. 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 2017-01-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
I have had many issues with Ocwen applying charges to my mortgage. The most recent one is from XX/XX/2016 they stated that they paid my utilities. All utilities have been paid by me and have proof of statements that have been mailed to me and payed by me. This is not the first time that Ocwen has charged me for utilities that were paid on my behalf to the utility company. I have called XXXX and both have stated that statements get mailed to me not the mortgage company. Previously I have double paid these bills to Ocwen because they offer no additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
they said they would give you a loan modification I 'm making the payments already loan modification but I have no signed contract I do not get monthly statements they tried to raise my mortgage rate by XXXX a month they have committed many many infractions according to the law I have read the law it is not hard to find numerous infractions no monthly statement trying to foreclose on my house this is all illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: First Associates Loan Servicing LLC
State: WI

Complaint narrative:
My student loan was held by First Associate and was to be transferred to XXXX. XXXX said they did not receive my student loan. I need help to find the student loan. I ran my credit report, it does not show who is servicing this loan. The student loan has been " gone '' for almost XXXX years.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Meyer & Njus, P.A.
State: MI

Complaint narrative:
collection attempts were made by a out of state debt collector who failed to provide verification of debt to me Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) by the following company MEYER & NJUS, P.A ATTORNEYS AT LAW XXXX, MN XXXX validation request sent via USPS certified XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/2015 after failing to prove the debt they transferred the account to there sister company XXXX XXXX, MI XXXX FOR FURTHER HARASSMENT OF LEGAL ACTION TRYING TO FORCE ME TO PAY THERE FIRM TO WHICH I DO NOT OWE ANY OF THE ABOVE FIRMS I HAVE NEVER ENTERED INTO CONTRACT WITH.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23 00:00:00
Product: Payday loan — 
Issue: Applied for loan/did not receive money — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I did not see the correct category so I choose this one.. I applied for a loan modification in 2012 with Ocwen Loan Servicing LLC . after many attempts of filling out countless packages of there loan applications and going through a different agent time and time again because it seems they have a high turn over of employees I have been turned down time and time again without getting an answer as of why it has been 4 years now and they finally decided to just stop helping me and shift my loan over to a company called XXXX. No cover letter no explanation of why .... Is it because of my XXXX Last Name could it be a XXXX thing with them????? I believe I have been scammed by this organization and I would like you to look into it? I am XXXX years old, I work in the movie industry I know these companies have worked with many of us who have faced work going to other states that has affected us all financially. they would not help me my husband became XXXX for one year and I explained to them I was the sole supporter they would not help me ... I want to file a complaint. I think they are a prejudice company and I want an explanation and I would like to see them audited I believe they scammed me for 4 years and now they just dumped me over to another loan company I know nothing about and I have to do all at the paper work over again!!!! Are you kidding me???? Please help me!!! during this time you see my house has gone up in value I believe that they know this and waited and waited and stalled around so they could take my house from me. There very smart ... .. and want to scam the consumer ... .. Thank you for your help! I have also sent altered XXXX XXXX minutes ... XXXX XXXX and President Obama who knows if they will ever see it but I will not stop until these guys are dealt with if I had the money I would sue them personally.. But I know there cooperate attorneys are scam artists also.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
The XXXX mortgages below attached to the title of XXXX XXXX XXXX XXXX, XXXX, md XXXX, were never erased from the title. We have been working to get the title cleared for 3 months with no success. Please help. 
1 XXXX Ocwen $ XXXX opened XX/XX/XXXXWas originally XXXX assigned to gmac XXXX XXXX XXXX XXXX XXXX bank to XXXX bank ( purchased by XXXX XXXX XXXX {$63000.00}. XX/XX/XXXX. We got a response from XXXX XXXX on XXXX. They ca n't find it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I Have a mortgage with OCWEN Financial Corp and my property taxes is included in the payement. I also pay an extra {$20.00} per month to be safe. Every year I receive a bill that my escrow account for taxes is short and I have to send an additional {$270.00} ( more or less ) to make up the arrears. My mortgage payment also goes up despite have a fixed rate. How can that be. I have contacted them numerous times for the accounting and have gotten no help. Last year I misread the statement because the mortgage changes so much and paid my mortgage the normal amount and did n't catch that it had increased by {$200.00}. I paid on time and they cashed the check. OCWEN still reported me to the credit bureau 30 days late.

Company response to consumer: Closed with explanation