vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
In XXXX XXXX, my ex and I purchased a home via a mortgage through XXXX. My mortgage loan was eventually sold to OCWEN. My ex and I decided to separate in XXXX XXXX. I moved out of the house in XXXX XXXX. I stopped paying the mortgage in XXXX XXXX. My ex stopped paying the mortgage in XXXX XXXX. In XXXX XXXX my ex was employed and decided he wanted to refinance the house to take my name off the mortgage. To help this process, with the advice of my lawyer, I filed a quit claim deed to the property and no longer have any claim to the house. OCWEN did not approve the refinance. As the joint debt is the only hurdle that is in the way of finalizing our divorce, in XXXX XXXX, he decided to file for a deed in lieu of foreclosure. He was told this should take about 90 days maximum. My lawyer told me the same. It has been two years now since the deed in lieu process was started and OCWEN has made it obvious that they have no plans to settle this matter. My ex and I have called them separately hundreds of times in the past two years. My lawyer has called them several times. Every time they speak to us, they have a new excuse as to why the file is being held up ( examples : the VA has to approve, OCWEN has another walkthrough planned, there is a tax lien two years after the last party vacated the property, and many more excuses ). Recently, through a web search for the county property records, I found out that OCWEN has had ownership of the property in question since XXXX XXXX, XXXX. It seems as if the house has been foreclosed on already, yet they will not process the deed in lieu or offer any other way for us to get this problem settled for a home that neither of us have any claim to. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
Response is Fraudulent XXXX Chapter XXXX Section XXXX. Actions of contract, other than those to recover for personal injuries, founded upon contracts or liabilities, express or implied, except actions limited by section XXXX or actions upon judgments or decrees of courts of record of the United States or of this or of any other state of the United States, shall, except as otherwise provided, be commenced only within six years next after the cause of action accrues.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Revenue Recovery Corporation
State: TN

Complaint narrative:
These debts are at a XXXX balance and the other medical bills I have on my credit is due to having insurance since XX/XX/2014 that is still on my credit report and I would like these removed I do not owe these Medical bills due to none payment from the insurance company.

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
Consumer complaint received 2015-08-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
We took out our house loan XX/XX/XXXX. The loan was with Homecomings Financial - Loan # XXXX and Account # XXXX for around {$160000.00}. Sometime later it changed to GMAC Mortgage. Again sometime later OCWEN took over. Account # with them is XXXX. I would say XXXX % of the payments I also paid extra principal. I started out just paying extra towards the principal and then I got a copy of the Amortization schedule and paid the principal applied for the the upcoming month. We had it figured and was told by our mortgage officer that if we got a 30 year loan and paid the extra that our house would pay off in 12 years instead of 30 years. We are right at the 12 years and OCWEN is saying that we still owe {$83000.00} and our loan will not pay off until XXXX XXXX, XXXX. I have sent OCWEN numerous letters informing them of this and all they send me is a printout of what we have paid. I know what we have paid. I am the one that paid it. I CAN NOT understand their people on the phone because they do not speak very good English. I have plenty of documents from Ocwen and to Ocwen. I sent my last letter certified mail to the attention of the Manager of the Servicing Department at Ocwen with copies of payments I have made which included additional principal paid throughout the years. They sent a letter explaining where they post the payments too. They have sent me this letter many times. I am going to try and attach my certified letter, their certified letter and printout of my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: AmeriCash Holding LLC
State: IL

Complaint narrative:
I got a loan with americash loans in XXXX XXXX illinois for {$1000.00} it was slow at work and I was unable to pay on time so they began to garnish my wages I sent in a written request to cancel the wage assignment. An employee at the store called my employer and proceeded to tell them that I had not made any payments on my account and that I could not by law cancel the wage assignment which is what my employer said to me. They then proceeded to deduct {$1200.00} from my wages until I finally went and filed a chapter XXXX bankruptcy. The bankruptcy was dismissed and now I find out that this company is suing me for {$1600.00} not only is this ridiculous but I later found out that it is not illegal to stop a wage assignment so this company just forcefully took the {$1200.00} they got from me already.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: MO

Complaint narrative:
After turning in my loss mitigation application, Ocwen representatives provided me with inconsistent and inaccurate information about the status of the decision on my loss mitigation package. Before my loss mitigation application was denied, I spoke with an Ocwen representative who told me that they successfully received a purchase offer for my property - from my realtor - and had ordered an appraisal/XXXX in order to process a short sale on my property. My realtor confirmed that no such offer had been sent to Ocwen. Upon providing the Ocwen representative with this information via a conference call with my realtor, the Ocwen representative reversed their statement, agreeing with us that there was no offer and no appraisal had been ordered. Ocwen 's inaccurate information caused delays in my understanding of my loss mitigation options. Among many things, Regulation X, Section 1024.38 specifically requires servicers to maintain policies and procedures that are reasonably designed to ( 1 ) access and provide timely and accurate information and ( 2 ) properly evaluate loss mitigation applications. Ocwen demonstrated that they do not have policies or procedures to provide me with timely or accurate information about my loan during and after my loss mitigation application was denied, which leads me to believe they are in breach of Regulation X.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
We are currently trying to refinance our current mortgage to XXXX from Ocwen. We had a loan modification with Ocwen XXXX. We are not late with payments or in foreclosure. We started the process for refinance over XXXX weeks ago with Cash Call. Ocwen will NOT provide the pay off to XXXX. They have been harassing me, stating they need various " bogus '' things. XXXX requested the payoff, but they call and harass me! An example of their misdeeds ... I spoke with them XXXX XXXX at XXXX very upset because they had not sent the pay off to XXXX. The agent told me after she spoke to her " supervisor '' that they DID indeed have a copy of that appraisal and the pay off would be sent to XXXX XXXX within 3 days. Come to find out someone at Ocwen cancelled the request for pay off the evening of XXXX XXXX, because they " could n't reach me to get authorization for the pay off ''. I had just spoke with them the day before! They assigned me to XXXX XXXX XXXX XXXX XXXX XXXX X XXXX. They keep with these types of games. An appraisal was done within the past 6 weeks. They are trying to make me pay for another appraisal by THEIR company. I have sent color copies of the appraisal and XXXX has ALSO sent color copies of the appraisal. I have just received another call from an appraiser from Ocwen today. They are breaking the law by withholding the payoff to XXXX XXXX. We have a right to refinance. They have all the documentation they need and are still playing games and breaking the law. We want our pay off to XXXX XXXX ASAP and litigation brought to Ocwen for their continued misdeeds and breaking the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
This complaint is being submitted by XXXX XXXX XXXX on behalf of the borrower. XXXX XXXX XXXX represents the borrower for the limited purpose of filing administrative complaints and assisting with loss mitigation. Ocwen is the current servicer of the borrower 's mortgage loan. This loan is not currently in foreclosure. The following violation has occurred with regards to the borrower 's mortgage loan:1. Ocwen 's failure to send periodic mortgage statements : The borrower has not been receiving mortgage statements since the borrower received his modification in XXXX of 2014. The borrower lives at the property address.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: CREDIT CONCEPTS, INC.
State: CA

Complaint narrative:
There is an issue of the company pulling my credit report every 2 months

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24 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: MD

Complaint narrative:
Professional Account Management, LLC, a debt collector for the Delaware Department of Transportation is frauduently attempting to collect the same alleged debts under unique and separate account numbers in an effort to double charge me. Furthermore, the alleged debts are not valid and I have disputed their validity countless times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-03 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
More than one year ago OCWEN financial services the holder of my second mortgage told me I needed flood insurance. I gave them documentation from FIMA staing that my residence did not require the mandatory insurance for flood. After speaking to several representatives and sending them the documentation, the instituted a flood insurance policy and started taking out escrow payments from my monthly payment. This ultimately put my account in a negative position. I have called them insistently for the past year and then they told me " Yes '' in fact I did not need insurance. They refunded my escrow money via a bank check once again putting my account in a negative position, I called again did a phone bank transfer to bring my negative balance which they made negative, to a current status. I have spent more than XXXX hours on the phone speaking to everyone all over the world only to have them report my account to the credit bureau and reduce my credit rating by more that XXXX points. They have failed to live up to their promises and reassurance that this would not be done, due to their mistake? I am beyond perplexed and now damaged on my credit history. Can you please help me? PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To whom it may concern, I am having problems with Equifax. There is a lot of information on my credit file with Equifax that is not mine. I am a victim of identity theft therefore I have a lot of fradulent accounts and information that is not up to date. I have XXXX fraudalent tax liens from the state of alabama iternal revinue service. They are XXXX State income tax accounts that are fradulant and are not mine. I have disputed this accounts with the proper documention from the state of alabama that I have sent to equifax and equifax do not want to remove those XXXX negative accounts which are public records. I have attached the documents which i believe can make those XXXX negative fradulent accounts be deleted from the equifax credit file. I have contacted XXXX agencies and they tell me that they have done everything they can. Equifax wants specifics and The state of alabama does not want to rewrite any letter to me or equifax which equifax wants numbers and for the letter to say that those accounts need to be removed from my file. The state of alabama put out that public information and now those XXXX fradulent tax liens have been terminated, canceled, and released the tax liens previousliy filed against me. Please help

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

Complaint narrative:
Ocwen reports my mortgage was in collection and charged off which is not correct. Ocwen can not show me any documentation that this account was in collection/charged off because it never was in collection/charged of. 

Last week I was denied for a XXXX XXXX loan because XXXX shows a Ocwen mortgage charge off. 

I need this corrected asap. I 'm providing a copy of the loan satisfaction letter from Ocwen. I contacted them after being denied for credit and they have initiated a reinvestigation. 

Ocwen never reported me negative until XX/XX/2015 which is one year after I paid off the loan. This is unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
My mortgage company is OWCEN Financial and recently my wife passed away from XXXX. Like many households my wife took care of all the bills and finances. My wife passed away on XXXX XXXX, 2015 she was quickly laid to rest and I begun the process of figuring out our bills. I contacted OWCEN around XXXX XXXX to informed them my wife had passed and our household account that was in wife name was frozen. I also informed OCWEN that I would be able to make the mortgage payment in the morning as I had to have funds transferred from another source. I paid the bill on XXXX XXXX 2015 as promised. I was informed that I would have to pay a late fee I was respectfully incensed but agreed. I was also informed that this late payment would be reported to the credit bureaus. I asked again given the nature of the situation would they reconsider not doing that and they told me there was absolutely nothing they could do. My credit at the time was XXXX. With their reporting of late payments my credit score took a dive to XXXX. Now keep in mind our other residence is finance by XXXX XXXX. Like OCWEN I went to XXXX XXXX mortgage gave them all the same documentation they made a call to their servicing center and everything was corrected and no late fee was accessed. Reliable and industry respected resources have told me that OCWEN like XXXX XXXX could have done something given the hardship. I asked XXXX to request OCWEN to reconsider and OCWEN up held their decision. It felt like a predatory type of feeling and experience when communicating with OCWEN. So I started to dig more and I now realize their deal. We had mortgage the house years back when rates where higher and before our loan was sold to OCWEN. I believe OCWEN is quick to ignore legitimate and verifiable hardship and compassion request and quick to use credit reporting practices to lock loans so they ca n't be refinanced. I 'm trying to refinance my house now and after explaining what was my situation I may be able to leave OCWEN. While sitting at my desk I XXXX " what people are saying about OCWEN '' WOW!! Not surprising what I was feeling was further confirmed. XXXX I 'm not the only person having challenges with OCWEN. I mean recent accounts as recent as this year and this month people are having serious and unfortunate experiences with OCWEN. Not to mention that CFPB has had to investigate them in the past. The way they do business is more than borderline sleeze. Not sure what but there needs to something done with OCWEN as people are losing their homes, incurring increase expenses and the customer services experience is for sure predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
I have filed several Qualified Written Requests and RESPA disputes with the XXXX major credit bureaus and with the original lender. When this loan was transffered to Ocwen, they were reporting an incorrect payment history and claiming that I owe late fees ( I was never late ). Now when I make a payment, they are still reporting me late every month to the XXXX credit bureaus, but I am not late. They want XXXX in late fees, which is robbery. I am trying to refinance my home and I can not get financed because of these inaccurate late payments reporting. When I call Ocwen, they can not help me out and tell me to file a dispute, when I file a dispute, they do not respond in the proper time frame. They are making it impossible for me to refinance to another company.

Company response to consumer: Closed
Consumer complaint received 2016-01-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I was given Ocwen as a mortgage company and have had nothing but grief every since. For years I never missed a payment then I modified my due to losing a part-time of 15 years. I was told I was being charged for flood insurance, when in fact it was not needed. Later we were rezoned, I then purchased insurance through XXXX XXXX and sent Ocwen the declaration page for 3 months, and they said they did not get it. Finally XXXX took on the battle and I received some credit. However, in XXXX they hit me with a {$800.00} + mortgage payment due to escrow. The mortgage went from XXXX to XXXX + and my repeated request went unanswered. I was able to get this caught up in XXXX XXXX. I have spoken to XXXX managers on recorded calls who say the past due balance has been waived and I currently only owe XXXX a month. However, when I listen to the recorded billing information it gives one amount, my monthly statement says another, and I am continuing to receive, as recent as this morning harassing phone calls for a yet different amount. 
This company has XXXX complaints against, and it should be illegal to harass someone for XXXX different amounts on one mortgage. My credit is being ruined and nobody talks to anyone there. I have operator numbers and names of these supposed recorded calls. I only the monthly payment and can not get a response from the corporate office as to why I am being treated this way. I have never been late according to their representatives recorded line until XXXX when the escrow and flood insurance got confused. I just want them to stop harassing me and tell me the truth.

Company response to consumer: Closed with explanation