vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-29 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
OCWEN Loan Servicing failed to notify me of a decision, or anything, regarding my request for a loan modification, nor have I heard from Ocwen directly of the need for anything other than what they requested, " a complete application packette. When I last spoke to OCWEN, on XX/XX/2017, they stated that documents were needed that they did not make me aware of prior to my call. Ocwen suggested I send nothing in at this point that they would procede with forclosure of my home on XX/XX/2017 @ XXXX XXXX. I have no idea what the status of my Modification is and have not heard fromm OCWEN since I contacted them on XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Today, XXXX XXXX, 2016 I can not apply for a personal loan to pay for the XXXX to address the XXXX son XXXX is suffering because OCWEN is reporting to XXXX that my home loan is paid in full but still open and OCWEN has pulled my loan completely from XXXX and OCWEN has update the information with XXXX that was incorrect last week when the other bureaus were correct. This instability has been going on all of 2016 since OCWEN posted the {$76000.00} Keep Your Home California funds to my account and the {$5000.00} HAMP incentive funds to my account that I received for paying my loan on time for six years. Once OCWEN posted those funds, they removed my name from the account and have kept my credit score in a constant state of flux. OCWEN told the Attorney General and CFPB that I had failed to get a KYHC document signed and notarized when in fact that document was not sent to me until many months later because OCWEN had removed my name from the loan and they had no reason to send me that document because they had taken my name off ( even though I was the one who had applied for the KYHC funds and those funds were granted to help me and my son ). OCWEN has kept my son and I financially crippled since XXXX 2016 and shows no sign of making a permanent correct to stop harming us financially. My credit score has been going from Excellent to Poor, back and forth and each time I click on the reason why, OCWEN shows as the change. Comments they put on my report cause the score to drop. Untrue information they post causes my score to drop. They remove it, correct it and then post untrue information again and again. The nightmare has been going on all 2016, preventing me from being able to afford a loan to help my son. 
XXXX XXXX of XXXX just called to tell me that even if OCWEN begins working to correct this, it could take WEEKS before my score is restored. This means my XXXX son has to XXXX weeks and months longer each time OCWEN repeats this mistake. XXXX ' XXXX due to the delay OCWEN has caused. As is, XXXX is having to XXXX because of problems caused by medications he would not have to take if OCWEN had not delayed his XXXX so many times this year. 
XXXX XXXX XXXX XXXX said that OCWEN needs to realize that when they REMOVE my loan, they ca n't just start transmitting updates. They have to put the loan back on before they can transmit updates. OCWEN routinely tries to transmit updates without repairing the damage they have done and they blame the bureaus for this not working. It is 100 % OCWEN 's fault this is happening. XXXX as a result of this unwarranted financial harm which is preventing the funding of his XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Kansas Counselors, Inc.
State: KS

Complaint narrative:
I am receiving automated calls on my cell and at work with the threat of a pending wage garnishment. I have no lawsuits filed against me and no pending wage garnishments. The call says to wait on the line and an operator will help you, but when you wait on the line, the call ends after 30 seconds or so. No one comes on the line and no one identifies the company name in the calls. The phone number making the call is XXXX. I wrote to KCI to dispute the debt they are trying to collect on, and never received a response from them.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Paid my mortgage in full, by wire transfer on XXXX XXXX, 2016. Ocwen has failed to submit document ( Deed ) of Reconveyance to our ( California ) XXXX County Clerk 's Office. Phone calls to ocwen offer no acceptable reason for their delay in filing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
My late husband got sick in XX/XX/XXXX ( XXXX ) and past in late XX/XX/XXXX. He was the main income provider.. I called and started paperwork to get a home modification and finally got the right paper work in, the was denied because the pool of investors had a cap on loan modifications and was not approving any more. I have a income now and I am on XXXX. XXXX my only income ) but want to start paying to keep my house but do n't know what to do now. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Duncan Solutions, lnc.
State: KY

Complaint narrative:
I received a letter from Professional Account Manangement, LLC regarding " several attempts to contact me '' for XXXX unpaid parking citations. I checked with www.dmv.dc.gov to ensure my balance was paid. It stated my balance was {$0.00}. 

I do not owe this said debt of {$60.00} and this company is threatening to report it to credit bureaus. Please advise asap. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 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: Ocwen Financial Corporation
State: TN

Complaint narrative:
About XXXX XXXX, XXXX XXXX XXXX started trying to collect a deficiency amount on a mortgage that had been improperly foreclosed by GMAC in XXXX XXXX. GMAC has since admitted violating the required procedures for foreclosure and I was compensated by 2 different federal settlements from the mortgage lawsuits. 
GMAC shows my balance as {$0.00}. No Deficiency judgement was ever sought or obtained for this amount by GMAC or XXXX XXXX and Tennessee has a 2-year statute of limitations for such filings under Tenn Code XXXX XXXX. XXXX XXXX is aware of this law but has continued to report this to XXXX and XXXX as an unpaid collection. I have disputed this with both bureaus and XXXX has remove it but not XXXX. This has hindered my ability to obtain a mortgage using my VA loan. XXXX XXXX is unresponsive about this. This is an unfair collection attempt by a 3rd party for a balance that the original lender agreed to remove under the federal settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: HI

Complaint narrative:
Ocwen Loan Servicing received my loan in XXXX XXXX XXXX XXXX Ocwen representatives told me not to make a payment or it will be returned because I was in default. This was impossible because my mortgage was paid up to date and I had to track the location of my mortgage. It was transferred from Homeward to XXXX to Ocwen. After many attempts to correct this and attempts at refinancing to keep my house in play, I eventually I acquired an email in XXXX from Ocwen 's ombudsman stating that I was not in default XXXX XXXX but they could find no recording of their representatives stating their instructions to not pay. However, I have made recordings. My mortgage has not been accepted since then and now Ocwen has attempted to foreclose on my property several times by adding inspection fees, late fees and reporting to the credit bureaus. The fees have added up and the stress is debilitating. When I wrote a letter to Ocwen through Ocwen lawyers threatening to report Ocwen with the recordings to additional authorities and law enforcement authorities. Ocwen had a lawyer contact me to settle with me but the aspects of the proposed settlement benefit Ocwen only. They acted as if they had done no damage to me nor to my account. Ocwen must be stopped and made to remedy their thievery. 
I will pose again to our State and Federal agencies, that Ocwen be investigated as an internal XXXX XXXX threat.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
Ocwen Loan Servicing has engaged in unfair practices by systematically imposing obstacles to make it as difficult as possible for me ( and presumably all customers ) to obtain a pay off quote for my home mortgage loan. Ocwen 's practice of obstructing customers ' access to pay off quotes is harmful because it prevents customers from obtaining information necessary to re-finance home mortgage loans at lower rates, while allowing Ocwen to continue collecting interest from customers at higher rates. When I called Ocwen to obtain my pay-off quote I was told that they could not provide it to me. When I pressed, I was told the only way they would provide it is by mail. It has been more than 10 days now, and I still have not received the quote by mail. I attempted to retrieve the pay off quote online, and Ocwen again placed several barriers to access my account including : a minimum four business day waiting period, requiring me to include my XXXX digit zip code ( rather than the normal XXXX digit zip code ), requiring me to re-register my account and re-setting my user ID and password. Even after completing these tasks, the Ocwen website advised that it would take several days to email the pay off quote. I continue to await the pay off quote, while missing out on opportunities to re-finance my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
My issue is XXXX fold, but both complaints have to do with Ocwen Mortgage Co. In XXXX XXXX, I began trying to get a Loan Modification from Ocwen Mortgage. I am divorced and because of that and also some health issues, I could not pay my mortgage. I did everything required and sent it to Ocwen. They approved the mod. However, at the 11th hour, my ex-husband refused to sign the paperwork ( I was given the home pursuant to my divorce decree, but we had not actually redone a Deed ). At this point, the mod was based on my income figures alone. Ocwen denied the request at that time and sent the mortgage payment check back to me. We then did all the necessary paperwork ( recording a new deed, completing the Family Transfer paperwork and my ex and I both signed the release of liability form ). I resubmitted updated paperwork and was approved for the mod. to begin on XXXX XXXX, XXXX. However, I was to pay the back amount due since XXXX XXXX. I did n't understand then and still do n't understand now. I was never told to pay anything and there was no mod in effect so why do i have to pay the back due amount. They also stated the back due amount was due within a month. It was approx {$3000.00}. Funny thing, I do n't have that much money. At this point I got XXXX involved ( Note : I 've been a real estate agent for 20+ years and still did not understand most of this! ). XXXX was wonderful and began working to get this straightened out. Again, they sent, after I sent to them, all of the information requested ( including all the transfer info yet again ). We heard nothing back. On Monday XXXX/XXXX/XXXX, I received a notification from Ocwen they were beginning foreclosure proceedings. I spoke with XXXX and they are as confused as I. OK, now for the flip side. In XXXX XXXX, I received some ice dam damage at my home. I spoke with the insurance company and they gave me a check for {$21000.00}. Ocwen requires rather onorous steps to have them endorse the check. I did them all - getting paperwork filled out by a contractor, sending them all estimates, etc. I sent them all this in approx. XXXX XXXX. The insurance division will not even speak to me as my ex-husband 's name is the only one on the mortgage at this point (? ). In fact, when you delve into this, you will have to use his name, they do not show me on the mortgage at all. They will not issue MY insurance claim check. It has been a year and a half. As the ice dam melted, water come in between the walls. I know mold has been growing - I can smell it in one of the ( finished ) downstairs rooms. It is now going to cost me much more than $ XXXX to fix the escalating problem. But yet they still wo n't recognize me as the owner of the property since according to them, the mortgage is in arrears so they ca n't do a transfer ( But, when I applied I was not in arrears ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Cohen McNeile & Pappas, PC
State: KS

Complaint narrative:
I have paid all the amount i have received a document saying my debt was cleared they did a wage garnishment again on my bank

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-04 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me instead of my attorney
Company: HW Holding, Inc
State: IN

Complaint narrative:
COLLECTOR FAILED TO ADHERE TO CEASE AND DESIST AND DO N'T CALL ORDER AND KEPT CALLING ALL OTHER PARRTIES. THIS IS A CORPORATE DEBT AND SHOULD REFLECT COMPANY INFO. THIS CO IN VIOLATION OF XXXX, FCRA. FDCPA AND DECEPTIVE COLLECTION PRACTICES.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
OCWEN Loaning Servicing bought my mortgage last year. They are force placing an additional flood insurance policy that costs {$2200.00}. I already have a flood policy through my HOA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
I SEE XXXX LATE PAYMENTS REPORTED ( CREDIT ) IN MY MORGAGE AND I HAVE ASK THIS BANK FOR THEM TO MOVE THE DUE DAY OF MY MORTGATE TO THE XXXX OF EVERY MONTH OR BECAUSE I GET PAY ON A BI-WEEKLY BASIS. I AM STILL PAYING FOR MY MORTGAGE AND THIS IS NOT FAIR.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Revenue Recovery Corporation
State: OR

Complaint narrative:
I contacted the original creditor and they can not locate a past due balance on my account. The date of service for this bill is XXXX/XXXX/2010, even if it was owed it is past the statute of limitations and in violation of The Fair Debt Collection Practices Act. Oregon 's statute of limitations is six years. I contacted the company after speaking to an attorney all morning and they state that " They can not remove this from my credit report. ''

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 2016-08-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
WELLS FARGO & COMPANY, AND ALL AFFILIATES AND ALL SUBSIDIARY ' S OF THE PARENT, WELLS FARGO & COMPANY. IS SAYING THEY OWN MY MORTGAGE AND NOTE/ I HAVE CHECK IT BY AUTOMATION ON THERE PHONE SYSTEMS. AND HAVE COME UP WITH IT SAYING THEY DO NOT HAVE A MORTGAGE IN THE NAME OF THE PARTY. SO HOW COULD A AFFILIATE OF OR A SUBSIDIARY OF WELLS FARGO & COMPANY SAY THEY OWN MY MORTGAGE AND NOTE? WHEN THEY SAY THEY DO NOT AND HAVE NEVER HAD A MORTGAGE AND NOTE OF THE SAID PARTY? I HAVE FILED THIS SAME COMPLAINT TO THE DOJ, FBI, AND ATTORNEY GENERAL OF MASS. WANTING ANSWERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
XX/XX/2015, I noticed that Ocwen Loan Servicing was not accurately reporting monies paid towards my mortgage loan. I notified Ocwen on several occasions to remedy the inaccurate payment history reporting. I then contacted Ocwen 's Ombudsman. 
By letter dated XX/XX/2015, the Ombudsman representative writes, " Unfortunately, Ocwen is unable to resolve the technical issue which is causing the online history to reflect only partial information. Therefore, in an effort to resolve your concerns and ensure you have the details of your payment history, I have enclosed a detailed accounting of your account. '' With that said, if I lose the Ombudsman 's document and my bank records, Ocwen will hold me responsible for monies already towards my account. 
Your assistance is requested ; I should not be denied accurate reporting of monies paid towards my mortgage account on any and all Ocwen payment history systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-19 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: Centron Services
State: MT

Complaint narrative:
My Wife, XXXX XXXX XXXX passed away back in XXXX XXXX 2014 and Credit Systems from XXXX MT has sent me a letter saying I owe an amount of {$8600.00} all from medical bills she built up before she got on Medicade in XXXX. The account number is XXXX under XXXX XXXX. I had just paid off my own debts and plan to move to XXXX within the week of this submission. And simply can not pay and debate on filing for bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HW Holding, Inc
State: TX

Complaint narrative:
HUNTER WARFIELD INC placed an incorrect credit information to XXXX. 
Instead of correcting the records, they demand my personal information to correct their information. Based on the letter from them, they did n't even get my names correct. Without a paper signed by me, they called it " Verified '' to XXXX. If they can provide any paper signed by me, I 'll upload/send my driver license for your investigators to compare the signatures.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXXXXXXXXXX : your letter of XXXX XXXX, XXXX XXXX, Let 's make things perfectly clear, according to the CFPB, Federal Law and Regulations and RESPA, all cited below, your client Ocwen Loan Servicing LLC, OLS, is NOT and NEVER HAS BEEN Servicer of our mortgage loan. This means the Deed transfer engaged in by OLS and the XXXX XXXX TN Public Records changes by OLS clearly appear to be unlawful. 

The short version : In brief, the " Transferor '' sends a RESPA Notice notifying the mortgagee of the sale or transfer of the mortgage or servicing and that notice provides names and addresses, loan balance and account details, contact info etc. about the new servicer and this 'Transferor '' Notice is required to be provided to the mortgagee with no less than fifteen days prior to the new payment info taking effect. The receiver of the mortgage or servicing is required to send a " Transferee '' RESPA Notice usually within thirty days or so. The " Transferee '' RESPA Notice must contain the same RESPA details and info as the " Transferor '' RESPA Notice. 

What happened is XXXX XXXX XXXX sent a " Tranferor '' RESPA Notice with a signature date of XX/XX/XXXX that said new payments take place XX/XX/XXXX. This was the first violation of RESPA because XX/XX/XXXX was a XXXX day month and the notice was n't signed til the XXXX, therefore we did not receive our minimum fifteen day notice as required by law. 

The new mortgage company or Servicer, " Transferee '' Homeward/Ocwen XXXX KY never sent us a " Tranferee '' RESPA Notice as required by CFPB, Federal Law and RESPA but they accept and process our mortgage payments. This company has not answered any of our written inquiries. 

OLS sends a Notice dated XX/XX/XXXX saying that as of XX/XX/XXXX they are the new Servicer because XXXX transferred it to them and we must make our payments to Ocwen in XXXX XXXX IL. OLS refuses to provide us with a copy of their alleged PHE Transfer Notice and the data contained in their so-called Notice letter does not match any of the details in the XXXX " Transferor '' RESPA Notice that we received which is clearly inconsistent with the federal law, federal regulations and RESPA, therefore, case closed OLS letter to be ignored. 

XXXX XXXX sends us a Notice dated XX/XX/XXXX claiming they have had our mortgage since XXXX and we are to make our payments to Homeward Residential XXXX in XXXX TX. Since their Notice did n't match any " Transferor '' RESPA Notice we had received, cased closed XXXX XXXX letter to be ignored. 

As to your XX/XX/XXXX page XXXX where it appears that you claim mortgage companies can make all the false claims or so-called mistakes and errors they want and there are no penalties or safeguards for this and that those false claims or errors do n't require correction is for someone else to respond to, not us. Perhaps we misunderstood your page XXXX.

Company response to consumer: Closed with explanation