vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MO

Complaint narrative:
GMAC filed bankruptcy and sold our loan off. Ocwen financial now services it. XXXX years ago they showed us at XXXX on line for our loan. I set it up for auto pay bi monthly to pay it off faster. since then the amount has gone up to XXXX and yet we have not been late once nor have we missed any payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
To Whom It May Concern : My father is XXXX since XX/XX/XXXX and lives on a very low monthly budget. I was going through some of his mortgage papers to see if we could get help with his mortgage and found out that he has an XXXX mortgage on his home for repairs through a company called XXXX XXXX who give out bad loans to consumers with no knowledge of the mortgage industry, and I know that my father would not had no idea of what he was signing and the company could not have told him that he was signing a loan that when he make a payment nothing goes towards the principle. This company, XXXX XXXX has been known for violating mortgage underwriting practices just to close bad loans that cost taxpayers millions of dollars and hurt neighborhoods when the houses go into foreclosure. Although they are an FHA lender the loan in question should n't have been approved. Now my father has a {$32000.00} loan that he has had since XX/XX/XXXX, and here it is XX/XX/XXXX and he still owe {$32000.00}, and it has been sold several times to other companies like Ocwen Mortgage who has multiple law suits in XX/XX/XXXX and have lost cases due to robot signing or missing assignments coupled with an inability to produce escrow and settlement statements demonstrates a deliberate concealment of the ownership of the borrower 's mortgage debt obligation and the actual lender to whom the borrower is indebted. Lack of the original note, failure to timely and accurately apply payments made by borrowers, charging borrowers unauthorized fees, providing false or misleading information make us believe that these companies are taking elderly people for their low budget and finance problems. State financial regulators, state attorneys general, and the CFPB uncovered substantial evidence that Ocwen violated state laws and the Dodd-Frank Act. We need help and my father does n't recall getting any papers that he could file a claim against either company. Please help us keep my father in his house. Thank you so much for all your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
My approved loan modification agreement did not reflect the adjusted payments outlined in a letter I received from Ocwen stating that my payments would decrease after my trial modification payments were received. I began making the agreed trial modification payments on XXXX XXXX, XXXX. After successfully making all three trial payments, my payments were to decrease approx. {$250.00} effective XXXX/XXXX/XXXX. I contacted Ocwen to inform them that the loan modification documents that I received, and I have yet to sign, instead reflected an increased payment amount of approx. {$250.00}. I was instructed from Ocwen 's servicing department to contact Ocwen 's research team via written correspondence explaining my concern. I faxed my written concern to their research team on XXXX XXXX, XXXX, along with the supporting statements from Ocwen that clearly outlines the lower payment amount. To date, Ocwen has not responded to my concerns. Instead, after successfully making all XXXX trial payments, Ocwen has denied my loan modification as of XXXX XXXX, XXXX. 
I have contacted Ocwen on a number of occasions just to be tossed to and fro from various persons posing as servicing managers. I will contact legal representation to assist me in my pursuit of retaining my approved loan modification and at the lower payment outlined in Ocwen 's attached letter dated XXXX XXXX, XXXX. Ocwen 's continues to present itself as a fraudulent practice!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: WI

Complaint narrative:
Loan payoff was made on XX/XX/XXXX via wire transfer to Ocwen Loan Servicing. To date there has been no Loan Satisfaction received from Ocwen. A message posted thru Ocwen 's website message system on XX/XX/XXXX requesting staus. Letter dated XX/XX/XXXX from Ocwen stated that most responses take 10 days, some take 30 days for a response. It is over 60 days since my request was submitted and there is still no response from Ocwen.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
I requested a Loan Modification at the end of XXXX 2016 beginning of XXXX 2016. They keep requesting the same documents over and over again. Extra check stubs and the same tax release form. Which I already completed and returned XXXX times. Per their website they still have n't gotten the documents. I know they have. I emailed and faxed and rcvd a confirmation page on the fax all XXXX times. They are stalling for time because the foreclosure hearing is next week. This is very frustrating for me. It should be a simple approval because all the documents and info is almost the same as it was a few years ago, so since we were approved a few years ago, we should be approved again. 
In addition, the tax document they keep saying is incomplete, it is completed just the same as the XXXX from 2 years ago ( I compared them ) and they accepted that one/

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I order a mortgage payoff from Ocwen because the payoff is needed to obtain a reverse mortgage for me and my wife so we would lose our home. However when I got the payoff back from Ocwen they added my principal reduction amount of {$42000.00} back to my loan as part of my payoff. I was told that this would not happen because it was forgiven and now they are going back on their road.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Ocwen Loan Servicing used its cozy relationship w/ XXXX as a weapon to threaten me, that if I did n't sign the pretender lender loan servicers {$750000.00} loan modification they would proceed w/ fraudulent trustee sale and kiss my home goodbye. I signed the fraudulent {$750000.00} loan modification under duress w/ fear of Ocwen throwing my children in the streets. Ocwen is using fraudulent foreclosures. I own my home free and clear. Ocwen scums threatened me that if I do n't pay them over {$200000.00} more then the {$550000.00} Option One Mortgage loan that was paid off over 10 years ago they would instruct is cozy buddy XXXX to proceed with the fraudulent trustee sale. I signed the fraudulent loan modification with fear, XXXX continued to have a active trustee sale months after I signed the modification under duress, the harassment, threats and people banging on my door continued for months. Emails attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: HW Holding, Inc
State: TX

Complaint narrative:
hunter warfield has reported to all three credit reporting agencies. They have reported in the amount of XXXX $ they have yet to contact me in this regard. the FCRA states that they must notify me 30 days prior to reporting to the agencies, they must provide a detailed, itemized account. the last time I reported to this this government agency they said that it was a dupilicate compliant and they would respond shortly. that was XX/XX/XXXX. since then I have disputed the account on XXXX and XXXX, both agenies have " verified '' the debt. this indicates that hunter warfield has worked on this yet refuses to address it here so as not to get caught breaking federal law

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
( 1 ) In XXXX 2016 I requested debt validation and verification from Ocwen in compliance with 15 USC 1692g to which they responded with photo copied information that did not comply FDCPA guidelines. After repeated requests for properly verified and validation documentation, Ocwen failed to respond in the within the given time periods. During my communications with Ocwen I informed them that I was invoking my private right of action and considered this matter closed as they failed to comply with my requests. As such, I also directing them to cease and desist all communications with me because I consider this matter closed. 
Ocwens response has been to completely ignore my request, they have shared my personal information with several entities which has resulted in debt collectors inappropriately calling my job, my cell phone, unsolicited emails and threats of foreclosure. 

( 2 ) My desire is that Ocwen cease with their threats and send Notice of Full Release and Satisfaction and documentation reflecting a zero balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Duncan Solutions, lnc.
State: VA

Complaint narrative:
The XXXX Government issued me a red light camera ticket XX/XX/2015. I disputed the {$150.00} ticket via a written letter in 30 days as required, and received a confirmation postcard that said I would be notified of their decision in six months or less. I never received a notice of their decision one way or another. A year later, I received a debt collection notice for {$360.00} from Professional Account Management, L.L.C. I believe the XXXX government acted in bad faith and did not notify me of their decision, so I should not have to pay the {$360.00} debt. It is clear that the XXXX government is only concerned about raising revenue and not due process. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
Please consider this correspondence to be formal notice that your company has failed to comply with the " Early Intervention '' requirements of XXXX XXXX, XXXX. XXXX CFR XXXX by failing to provide our mutual client with notice of a final date for loss mitigation options. Our mutual client advises that they did not receive the live contact that was required no later than the XXXX day of delinquency pursuant to XXXX XXXX XXXX XXXX a ) and did not receive the written notice of available loss mitigation options required by XXXX CFR XXXX XXXX b ). 
Please postpone the foreclosure sale scheduled for the aforementioned date, to afford time necessary to comply with these loan servicing requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
Ocwen does not approve me for a loan modification due to incorrect value that they have in their system, I have forwarded them a certified appraisal report about 1 month ago and they have still not changed my property value, they keep denying my modification saying that I have equity in the house and the NPV test has failed. I want you to intervene and have my property value changed to the certified appraisal value so that they can re review my application and approve me for a loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
We agreed to a loan modification with Ocwen Loan Servicing , LLC . Our Relationship Manager, XXXX XXXX, was very professional and helpful. Each conversation with him was recorded. He kept us informed every step of the way. He assured us that we would have no balloon payment. He repeated several times that our loan modification was approved without a balloon payment at the end ; the numbers were computed with a lower interest rate. None of XXXX XXXX 's paperwork for our file showed this balloon payment. However, Ocwen has tacked a balloon payment on to our loan despite our being reassured that it was not applicable. Our Relationship Manager has repeatedly requested that the balloon payment be removed from our account. He has gone through every channel he knows, without success. Our conversations with our Relationship Manager were recorded. We are both XXXX and, with current lending guidelines, are unable to refinance to get rid of the balloon payment, or even obtain a loan to pay it. We recently learned that CFPB could help us in this matter, or we would have turned to you much sooner.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: NM

Complaint narrative:
This property is in some stage of foreclosure, but public records shows still in the owner 's name, not a Bank. They have discontinued paying assessments or maintaining the property and now have a large balance.

Company response to consumer: Closed
Consumer complaint received 2016-01-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
My loan was assumed by OCWEN in 2013. I have been receiving phone calls stating that I am behind on payments and charged late fees.I made payments to OCWEN for my mortgage. In looking at my payment history OCWEN applied some these payments directly to the principal balance. This created a shortage or " suspense '' for the following month. I have called to have the principal payments applied as a regular payments to my account. OCWEN not processing payments correctly to my account. " Suspense '' and " payment rev '' 's are not being credited properly to the account. I am being charged late fees and they have reported this on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-28 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: NV

Complaint narrative:
I appiled for a loan modification 2 years ago with my old mortgage company. I needed help and made that clear to them. I even had help from a XXXX party loan modification company. After going through every hoop imaginable with my lender, at the final stage of my approval process, they send me a letter stating my loan has been sold to another company and that I 'd have to reapply, for the XXXX time, for a loan modification with my new lender, Ocwen. 
Very discouraged, to say the least, I applied all over again with Ocwen, and had to deal with even more hoops to get my loan modification approved. After another year of sending in documents and dealing with countless Ocwen customer service reps and conselors in XXXX, at the very last stage for approval, I was sent another letter stating " the owner of my loan has fullfilled their quota for loan modifications and I am now denied. " I felt like I got royalIy screwed, again, and there 's nothing I could do about it. I could n't beleive this happened to me again!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
Please refer to CFPB XXXX for a history of the case which I thought was resolved when my mortgage provider, OCWEN sent me documented correspondence acknowledging approval of my request for a loan modification on XX/XX/2017. 

Now OCWEN is reneging on their approval of my loan modification in which they accepted and received trial payment funds in the amount of XXXX on XX/XX/2017. On page XXXX of the new loan modification agreement it clearly states the funds received on XX/XX/2017 were applied to the account for the XX/XX/2017 payment and the next payment is not due until XX/XX/2017 OCWEN is now saying I owe them a payment of XXXX for XX/XX/2017 when clearly the document I am attaching refutes this. They never contacted me nor provided written documentation to support their claim therefore I am not liable for any payment in XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03 00:00:00
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: Ocwen Financial Corporation
State: IN

Complaint narrative:
Constant and repetitive calls throughout the day, sometimes until XXXX, beginning on the first of every month. I am not late. Never been assessed a late fee and pay my bill every month on the day I receive my XXXX payment. I have explained my XXXX situation to OCWEN several times and can not pay on the first day of the month but I do pay every month and am not behind. OCWEN is harassing me.

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

Complaint narrative:
Issues over payment amount resulted in forclosre. I was not aware of amount to pay after it was changed by Servicer. Attemtps to clarify failed. My payments were rejected when OCWEN could have clarified my understanding of how much to pay since they rejected it. I did not know the payment amount until today.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: HI

Complaint narrative:
My Home mortgage is currently working on modification but XXXX is published to sell my house without open house in XX/XX/2017. I opposed this during the hearing but judge granted XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I am Owner of a Unit at the XXXX XXXX at XXXX XXXX XXXX in XXXXXXXX since XXXX. Our XXXX XXXX have every year renewed the corresponding XXXX XXXX Policy on time. Since XXXX thru XXXX I have been paying my monthly mortgage to different Lenders without any inconvenience. Ocwen Loan Servicing , LLC, located at XXXX XXXXXXXX and XXXX XXXX XXXX, XXXX, my current Mortgage Lender over 4 years, after GMAC was on Bankruptcy, demanded on XXXX that my Unit was not covered for any Property Insurance Policy, which was refused & we provided our XXXX Master Policy effective since XXXX - XXXX. Later on XXXX, Ocwen again sent to me different letters ( attached to this Claim ) regarding the same issue and for a forced placed Insurance Policy interior improvements coverage for the period XXXX/XXXX/XXXX - XXXX/XXXX/XXXX. I provided copies of our Condo Master Policy and Certificate of Liability effective XXXX - XXXX from the corresponding Underwriter Insurance Company. We explained my Mortgage was refinance on XXXX and I have no obligation of any additional property coverage other than our Condo Master Policy. Interior coverage is just an option for Home Owners, not an obligation, according to our Condo Master Policy and my Mortgage content. Any previous Lender, nor Ocwen at the beginning of receiving my monthly payments, never requested additional interior property insurance, until XXXX. Every time we tried to contact Ocwen Customer Services ( XXXX or XXXX ), always a foreign representative from XXXX, XXXX, XXXX, XXXX, just had responded to me my obligation about the Insurance Policy. Finally, Ocwen on XXXX/XXXX/XXXX, illegally deducted from my Escrow Account the amount of {$1600.00}, which currently is in negative balance so, I demanded to have my records with Ocwen CORRECTED and have de insurance REMOVED, because I do not owe for the forced placed Insurance Policy No. XXXX, XXXX XXXX. XXXX with XXXX XXXX XXXX COMPANY forced and illegally imposed by Ocwen on XXXX/XXXX/XXXX. As I have not been able to resolve this problem by my self, I requested legal services thru an XXXX Law, who has sent several demand letters and Ocwen just has responded requesting additional time, which has been expired without any response. Now, I have found this additional legal resource in order to be investigated this issue because I have found online other complaints against Ocwen ( XXXX ) for Rip-off reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
In XXXX, I received an escrow analysis from Ocwen which indicated an escrow shortage. I paid the full amount identified as the escrow shortage. Yet, Ocwen raised my mortgage payment -- applying the additional amount to Escrow because I only paid the amount they indicated as the shortage. 

E-mail correspondence with Ocwen is available upon request.

Company response to consumer: Closed with explanation