vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
Came out of a bankruptcy XX/XX/2007. After paying on the loan for the 3 years in thebankrutcy, I owed the mortgagae company more than the original loan before the bankruptcy was filed. 
The loan was eventually sold to XXXX and Owcen Servicing was designated as theservicer of the loan. I was offerd a modification by Owcen which I accepted, trems were given and I began the payment cycle. 
I do not think Ocwen is honoring the terms of the agreement

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: SC

Complaint narrative:
OCWEN missaplied XXXX mortgage payments to XXXX payment due date, and they are reporting that we are 2 months in arrears. OCWEN purchased our loan 25 months ago, and we have XXXX cleared checks to them and a record of timely payments. They made entry errors on our loan, but are accusing us of being in behind -- and reporting that to the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: DE

Complaint narrative:
I submitted a complaint in XXXX against my mortgage company Ocwen because they failed to update my credit reports. To date there is NOTHING on my XXXX report as if this loan does not exist and my XXXX XXXX report has NOT been updated since XXXX. This is the worst company I have ever had to deal with! I am filing this complaint again because dealing with Ocwen directly is useless.

Company response to consumer: Closed
Consumer complaint received 2016-05-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
Ocwen 's letter dated XXXX XXXX, XXXX CFPB case # XXXX responded that they acquired the loan from XXXX XXXX/XXXX/XXXX and that loan originated XXXX/XXXX/XXXX by The XXXX XXXX XXXX. Ocwen further stated that they had mailed 'on numerous occasions ' copies of the stock certificate '. They also stated that original documents were kept by the owner of the loan or trustee for the owner of the loan and that Ocwen did not have the original documents. 
Ocwen in the same letter attached a copy of a pooling and servicing agreement between XXXX XXXX and XXXX XXXX XXXX XXXX listing XXXX XXXX as the investor. 
However, in his latest response, they are now stating that they are issuing an affidavit of Lost stock and lease (? ) How is that possible if they were saying that all they had were copies and original documents were with the owner of the loan (? ) investor?? 
The pooling agreement Ocwen mentioned in his letter above, was never part of his files. Records obtained from Ocwen which included over XXXX pages of documents included no such agreement. Instead, copies of XXXX affidavit of note lost was included which had been transferred to Ocwen as part of the servicing transfer. Multiple associates established the same conclusion. Also, how is that Ocwen produces a pooling agreement between XXXX XXXX and XXXX XXXX XXXX XXXX when neither one of them had been part of the Co-Op conversion nor, again, of their files?. Furthermore, Ocwen first refers XXXX XXXX as the property management and then as the investor. Investors, as far as I have been informed DO NOT get the original loan documents,,, the loan owner gets it and the banks are required to keep them in custody. 
Per document attached. A record of events as recorded by Ocwen, they did have the collateral file, reviewed it with investors and then returned it to XXXX XX/XX/XXXX ( custodian ). Why did Ocwen state then that they did n't have the collateral documents and why are they now issuing an affidavit of loss documents? if, again, they originally stated that original documents were never with Ocwen (? ) Why did they return the collateral files to custodian and then claim that they had lost it?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: NV

Complaint narrative:
my home loan was foreclosed on XX/XX/XXXX with Ocwen loan, but my Ocwen loan XXXX is showing on my credit as late payments of 120 days. the loan company continued to put late payments until XX/XX/XXXX. I contacted the company of the issue and was told the loan was XXXX out on XX/XX/XXXX and will receive a statement in 2 to 6 months. I was not allowed to fix the problem

Company response to consumer: Closed
Consumer complaint received 2015-12-28 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
On XXXX/XXXX/15 Ocwen Loan XXXX receipt of {$24000.00} for XXXX/XXXX/15 " contractual payment for {$8900.00}. " On XXXX/XXXX/15 the funds were presented to your banking institution for payment ''. " There was an instance were the XXXX for some reasons was not able to read the details off the check, which caused the check to result in a chargeback ''. Ocwen ACTS and ERRORS caused them to CHARGE ME A LATE FEE of {$440.00} and send a XXXX/XXXX/15 " URGENT DELINQUENCY NOTICE TO AVOID FORECLOSURE ''. ( Page # XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
I had my mortgage with OCWEN from XX/XX/XXXX until they informed me on XX/XX/XXXX they sold my mortgage to XXXX XXXX XXXX XXXX. I made XXXX last payments to OCWEN in XX/XX/XXXX. XXXX payment was received on XXXX XXXX for {$970.00} to covert the mortgage for the month of XXXX and the XXXX payment was received on XXXX XXXX for {$1000.00} to covert the XXXX mortgage of {$1000.00} and the {$56.00} change of new payment. OCWEN did not apply the payment to the XXXX mortgage. Instead they applied it to the principal. Now, XXXX XXXX is sending me to collections because they said I am late with my payments. I have contacted OCWEN and they said they will fix the problem but they did n't and now they are saying that the only thing they can do is to give me a statement showing what was paid but they will not forward the payment to XXXX XXXX. XXXX XXXX at the other hand will not do anything to get the payment from OCWEN. I ca n't pay XXXX for the XXXX Mortgage just because this XXXX companies ca n't seam to know what they are doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
Whom it may concern, My mortgage loan is servicing by Ocwen Bank. They sent me a letter with the notice my interest rate changing to 3.125 % ( old rate 2.875 % ) and payment will go up to {$2300.00} My current payment is XXXX and it 's increase by XXXX %, when interest went up only .XXXX %. 
So how is can be? Well it could be, if the loan is going in the full payment. I would like to get explanation, why do they do against the contract? As per contact that could be happening only after XXXX payments were made. The loan starts on XXXX XXXX XXXX, so it should happen only in the XXXX XXXX. All documents are attached. 
The second is interest rate : My most recent statement said ( also attached ) 2.875 % is good until XXXX XXXX XXXX. So it 's meaning the new 3.125 % is wrong? 
These people do n't know what they are doing? How many customer are same situation or just do n't pay attention what is said on their statements. 
Please take action and somebody got to be pay for the mistakes? I would like a get fix rate, that 's all I want. They are refusing me to do a loan modification for 5 straight years. ( including IndyMac ). 

Please help us we would like to keep our house, but it feels now, just would like a quit and wait for few years, and buy house with different bank. It 's sad when they have this " Helping Homeowners is What We Do! '' is complete opposite in the real life. 

Thank you XXXX and XXXX XXXX

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

Complaint narrative:
I expressed my frustration with trying to get HSBC Bank to honor this agreement with your office. I am writing this letter because I have fought and fought to save wife, children and myself, from homeless. HSBC Bank and its attorneys have refused to offer me an affordable modification under HAMP, nor have they inquired as to my financial, qualifications so that I may stay in my home with my family. In XXXX XXXX I relied on 12 USC 95 a ( 2 ) to transfer my interest in the mortgage and note to the Unites States, yet HSBC Bank has not discharged the debt and is still moving to remove property from my estate. The state court has ignored my pleas in Illinois circuit court case 10 CH 14885. The Illinois State court have ignored the fact HSBC did not send any notice of acceleration or default notice before filing foreclosure suit. What is the purpose of the Consent Orders in XXXX, XXXX, if the people in which were mostly affected can not enforce or receive any benefits outlined by the Comptroller? HSBC admitted in Court they did not offer me any trial modification, they admitted in court the assignment was created by the attorney XXXX XXXX who is the Plaintiff 's HSBC attorney who is employed by XXXX XXXX XXXX who falsified documents claiming to by an MERS Vice President. What good is the Consent Order agreement if it is intended to be teeth less?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
The original amount of my mortgage loan through Ocwen Loan Servicing was {$250000.00} on XXXX/XXXX/XXXX. I modified my mortgage back in XXXX under the HAMP Program. In doing so, Ocwen increased my loan amount by {$49000.00} with a principle balloon payment of {$70000.00} that would be forgiven over a three year term -- my new loan amount was now {$270000.00} -- before the principle forgiveness. The time frame is now up -- the last principle reduction took place in XXXX. 
I recently requested to have my interest amount lowered and the documents indicated that I now owe {$260000.00} -- more than {$10000.00} more than my original loan amount of {$250000.00} and after more than 9 years of payments. They are adding the {$70000.00} principle forgiveness back into the balance. Of course they are very happy to lower my interest rate to 2 % at this point because I would be increasing my loan amount to more than I bought the home for. 
This is a total scam and I will not be taking their offer. I hope that they have not done this to others and someone should be held accountable for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
After obtaining a HAMP modification, I enrolled my account in EFT payments. When I set this up XX/XX/XXXX, I was told that I had to make my regular payment XX/XX/XXXX. I initiated my regular mortgage payment on XXXX XXXX, and the company went and drafted another mortgage payment on XXXX XXXX, despite them advising that they would not be deducting a payment from my account. It took 10 days and a lot of running around for Ocwen to refund the additional payment. During the refund process, I asked them to cancel the EFT since I had received too many differing stories regarding the refund. They confirmed that my account was unenrolled in their EFT program. 
On XXXX XXXX, XXXX, I initiated my regular mortgage payment which was successfully processed from my account. Ocwen went and drafted another payment from my checking account on XXXX XXXX, 2015. I immediately noticed their error and contacted them on a daily basis to request yet another refund. They told me that the refund was issued on via wire transfer on XXXX XXXX, the funds were not received into my account until today, XXXX XXXX, 2015. The newest problem is that they have over-refunded me and are now calling my loan late and applying a late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
XXXX/XXXX/XXXX - Contacted my mortgage company for information on how to apply for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Was informed that the process can be applied for on-line and would take approximately 30 days. 
XXXX/XXXX/XXXX - Applied for XXXX on-line. 
To sum up what was told should take approximately 30 days took almost 2 years. 
- In excess of more than 40 telephone calls regarding status of my HAMP application - Having to submit documents more than 6 times - Receiving XXXX different " Forbearance Agreements ''. I sent my 1st payment for a Forbearance Agreement. It was returned. I was told that the check that I sent needed to be a " Cashier 's or Bank Issued Check ''. Nowhere in the " Forbearance Agreement '' did it mentioned this. Reissued a Cashier 's Check and that was also returned because they indicated that the Forbearance expired. 
- I had to hire an attorney to resolve the foreclosure issue and have the foreclosure case dismissed. 
- This entire XXXX process which was to take approximately 30 days that began on XXXX/XXXX/XXXX was FINALLY modified on XXXX/XXXX/XXXX per their letter dated XXXX/XXXX/XXXX. Almost a 2 year painstaking process. 
I have all Exhibits XXXX available for review and can be sent via mail or overnight. My notes are very detailed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
I will commission into the XXXX XXXX XXXX XXXX in XXXX of 2016. I currently owe more than my home is worth and contacted my servicer about the possibility of a short sale or deed-in-lieu so that I can move to XXXX XXXX XXXX when I go on XXXX. I was told that I had to submit the paperwork for a modification even though a modification will not help my situation. Supposedly I was approved for a modification that will reduce my payment by {$22.00} a month. This does not address my issue, since I am current on my mortgage and have excellent credit. The issue is not the payment, but the fact that I have to move in order to serve my country and can not sell my house due to the decline in the real estate market. Because of my credit and that this is an FHA loan my servicer is telling me that the only way I can get out of it is default on the loan and let it start the foreclosure process in order to be approved for a short sale or deed-in-lieu. The only reason that I am trying to get rid of my house is because I am moving as a result of service in the military. I would like to keep my credit score as high as possible, because I need approval to rent in XXXX. I can not afford to pay rent in XXXX and mortgage in XXXX for a house I no longer live in.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NC

Complaint narrative:
On XXXX I did a transfer to XXXX, when the recipient went to get it on the XXXX of XXXX he said that the money gram agent said the money has been picked up so I called money gram on the XXXX and the agent said the same thing, I explained to him that the recipient did n't get the money, that agent told me to ask the recipient to return back where he tried to collect the money and have them check the computer so he did, but the agent in XXXX told him to tell us ( his father and I ) to go back where the money was transferred to fix the problem. On Tuesday XXXX XXXX, 2016 I went back to the location and that agent said it was picked up when I explained the situation she called money gram and put me on the phone with them. I explained the situation to the XXXX ( the agent on the phone ) and she was asking me some irrelevant questions like do I know this person, when was the last time I saw that person face to face, what is my relationship with that person, why did I send him the money, what did he tell me he was going to use the money for. I told her that those types of questions are irrelevant, stupid and have nothing to do with my concerns all I need from money gram is to tell me who picked up the money and what kind of ID was used by the recipient for the agent to release the funds. XXXX said that she could n't see that information, all she was able to see was that it was picked up and I find that to be not true. Because what is the purpose of asking for picture ID if it will not be used and entered in the system as evidence that the recipient is the XXXX collecting the funds. She told me that money gram will open an evestigation and I will be notified in 90 days about the result. I told her that I could n't wait for that long to get an answer. Now let me say that this is the first time I am in this situation with both the recipient and money gram and I am aware that the recipient may be lying to us although he never done it before and I strongly believe that money gram is responsible to provide me proofs that the recipient picked up the money instead of interrogating me and I told XXXX that, if the money was picked up what was used then I know the recipient is lying to us or if it was not picked up how do I get my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-26 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
My complaint is against Ocwen Loan Servicing , LLC ( www.ocwen.com ) ; Research Dept. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; Loan # XXXX Ocwen has erroneously billed me for triple the amount of my regular payment. They are threatening to report judgement against me to credit bureau 's if I do not pay it by a specific date. 
I have consistently paid my amount due on time plus an additional amount to apply to the principal. Ocwen never informed me of a change in payment due or change in terms of the loan. Ocwen applied my payment to a " suspense account '' and showed that it was a partial payment. This is wrong. 
Some bills did not show any detail of my payments. Other bills have shown inconsistent payments due each month. No one from Ocwen will explain their inconsistencies. Each call results in speaking with a different representative with a foreign accent who gives first name only and a number. They suggest that I write or call the research department. I have done that many times. No one has made the corrections yet. 
I have read several complaints about Ocwen, Indymac, and XXXX XXXX. Properties have been foreclosed on due to their erroneous billings. 
I am requesting that my account detail be corrected. I would like my payments to be consistent ( retroactively ) with the amount due that was agreed upon. I want my payments applied correctly. I want a written statement to confirm that the corrections have been done. 
XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX ; or XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Thunderbird Collection Specialists, Inc.
State: AZ

Complaint narrative:
I am writing this on behalf of my wife of 55 years XXXX XXXX. 
Sometime in XX/XX/XXXX my wife saw some woman, XXXX XXXX XXXX, in XXXX, AZ who claims to be a physician. 
My wife has problems with hearing so I always go with her. We clearly and repeatedly stated that that we were there for the annual " wellness '' check-up which XXXX pays in full. 
We also asked for XXXX injections. The woman said XXXX did not pay for that, we had to pay ourselves. We know today that this is a lie, XXXX pays for that. My wife had XXXX, I was asked and paid {$25.00} for each. We have the receipts. The woman was also paid in full by XXXX. 

Fifteen months later, in XX/XX/XXXX, we received a letter from a " XXXX '' in XXXX, AZ demanding {$88.00} for XXXX XXXX XXXX and {$75.00} for himself. I went to that woman 's place and disputed that. She said I only needed pay {$88.00} to her. I left. Many months later, we received a letter from that woman claiming that my wife owed her {$160.00}. We ignored it. I reported the woman to the FTC and her partner in crime also to the FBI and FTC. I addition, I reported the woman to the Inspector General 's Office in the Federal Dept. of Health & Human Services. 

Five days ago, we had a look at our credit report. It says there that the " XXXX XXXX XXXX '' has posted in my wife 's credit report that she owned him {$160.00} and that she had paid. My wife has never owed money to that woman nor to that " XXXX XXXX XXXX '' and never ever paid any money to them. They can not prove that unless they have forged my wife signature in which case they will go to jail. That woman, XXXX XXXX XXXX, may have my wife 's signature, from XX/XX/XXXX. 
Please note, they posted that in my wife 's credit report sometime since XX/XX/XXXX as, we have a credit report from this Month which does not contain their entry. 
In the above context please allow me the question : is everyone allowed to go to XXXX and/or the other criminals and claim that someone else owes him money, without presenting any evidence? and even anonymously? 
We appreciate your help us we are both retirees and can not afford to pay a lawyer. 
Depending on their response to you, we are considering spending our last penny and get them to jail. After losing any professional license they may have. We will make the story public anyway. 
We able and willing to repeat the above in a court of law, under oath.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation