vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
Ocwen mortgage company contacted me about their VA refinance program. They told me repeatedly that it would be of no cost to me and my balance would not go up. I never saw the amount I would be paying until it was time to sign. I noticed when signing that the balance was higher than I currently had. The notary was rapidly going through the loan and getting me to sign as fast as possible while " explaining what the paper was I was signing. When I noticed the balance was higher, he said I could bring that up with them later. The refinance ended up being {$3000.00} over my previous balance. When I called about this it was VERY hard to reach someone to talk to. I left repeated messages and nobody ever called back. I finally got in touch with Ocwen and they told me there was nothing they could do as I signed the new loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
Ocwen loan servicing was informed of a forgery on a loan re modifacation, they have removed my liability from the loan, but it is still on my credit, I called and asked them to contact XXXX major credit reports and have account closed, I was told I would have to do that myself. I would like this loan removed from my credit as soon as possible, Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
Loan is with Ocwen and seller is in pre-foreclosure, has NEVER asked for a postponement of the sale until recently once seller understood how a short sale would help them avoid foreclosure. Seller was told by Option One, back in XXXX that there was " Nothing they could do for them and to GET OUT '' of the house. They were told it would foreclose in XXXX XXXX. The house has sat vacant for years now, and seller never knew the bank did n't foreclose on them, until I reached out to let them know. After learning their story, i believe they deserve a break and would love to see them get a short sale approved. Today, Ocwen basically confirmed foreclosure is XXXX and that they did not have enough time to review the option and closed out the short sale review. We sent the proposal to Ocwen on XXXX/XXXX/XXXX, and are asking for postponement of the sale in order to get short sale reviewed. There is a cash offer on the table. Again, the seller has never asked for a postponement, this is the first time and Ocwen is saying no.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: SC

Complaint narrative:
failure to send a XXXX mortgage statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I have tried to get my PMI cancelled since XX/XX/XXXX. I have previously submitted a complaint the case number is : XXXX. In my last complaint the company rep. suggested that we pay {$100.00} so that we can cover the cost of an appraisal to have our PMI cancelled. I have completed the form that Ocwen sent to me. I included a check of {$100.00} and sent it out on XX/XX/XXXX. I then received a letter on XXXX from Ocwen. They claimed that I needed to provide them with an alternate contact numbr for borrowers. I called Ocwen and spoke with a customer service rep. on XXXX/XXXX/XXXXI gave them my husband 's cell phone number. I asked when I could expect to hear back about an appraisal and the person said it would be within the next XXXX hours. IWe did not hear back for over a 2 weeks. My husband finally called again on XX/XX/XXXX. He spoke to a manager and the manager told him that we would get a call back about the appraisal within the next 5-7 working days. We have yet to hear back from anyone about any appraisal. Technically according to my Private Mortgage XXXX Disclosure my PMI should technically be cancelled automatically on XX/XX/XXXX. The document that I signed when I refinanced says : " If your are current on your loan payments, PMI will automatically terminate at the earlier of the midpoint of the amortization period of the loan or on the date the principal balance of your loan is first scheduled to reach seventy-eight percent of the original value of the property. It goes on to explain " The date your loan is scheduled to reach XXXX ( 78 % ) loan to value is XX/XX/XXXX. '' I feel this company is jus making up things along the way. We have done everything we could to get them to cancel the PMI as they are supposed to, including paying XXXX for an appraisal that should not be necessary. Now we are not hearing back from anyone about this appraisal and when we call to try to find out what is going on, no one seems to know that they are talking about.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
I have an escrow account with my institution but my escrow account keeps getting higher I 've had this escrow account for more than two years and I 'm told and they statements that I owe more monies Please help me to resolve this major issue and concern

Company response to consumer: Closed
Consumer complaint received 2017-01-31 00:00:00
Product: Debt collection — Federal student loan
Issue: False statements or representation — Impersonated an attorney or official
Company: Ceannate
State: IL

Complaint narrative:
I was contacted in XXXX XXXX by my XXXX yr old XXXX XXXX saying a detective was trying to locate me gave me a number when I called it was a representive from fms who said he was in charge of my student loans and wanted me to pay XXXX dollars over phone that day and get set up on a XXXX dollar month repayment plan I gave him new adress and said if he sent me the mail I would respond he never called back in may i recieved letter from XXXX issuing wage garnishment to correct adress as he sent everything to prior adress in tn I had not lived there since XXXX I never recieved his companys paperwork garnishment started immidiatly upwards of XXXX amonth and a yr later i still owe more than orriginal loan amount XXXX did an eternal review and denied my request for lowering payments even with childsupport taxes state and federal and insurance payments of XXXX a week this company has unlawfully cased my family hardships and made me finacialy unable to retain couinsil to defend myself and had not had contact with dept of education since XXXX when the company who had my loan went out of bussiness obviously I didnt have an oppertunity to respond to thier claims as i never recieved them at present adress.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
This is complaint number XXXX. I originally filed a complaint a few months ago, the result of that complaint was a response that stated my modification was approved but my mortgage had been purchased by another lender so there was a delay.The modification process was started in XXXX of 2014. After that notice I was served with foreclosure paperwork. This led me to question how Ocwen could file foreclosure on a mortgage that was currently in a modification and according to Ocwen had been bought by another company. I was told that I needed to file a response to the paperwork I was served. I filed my response at my local court house stating I was making payments, had a pending modification, and included copies of negotiated checks that Ocwen had accepted for payment .At this point the modification had carried on for over a year. I then was assigned a date to meet with attorneys for Ocwen as well as a foreclosure mediator, that meeting I believe was XXXX XXXX. At this meeting Ocwen was called where a representative for Ocwen told myself, the mediator and the attorney present that my modification had been approved, that my mortgage was current and after 14 months I finally had a completed modification. I was told I should receive paperwork on the approved modification within the next 30 days. I received a letter from the attorneys office stating the case was dismissed, which was signed and sent back. I then waited to receive the paperwork for my approved modification. I have yet to receive any such paperwork, instead I have received paperwork stating that my mortgage is behind and Ocwen has started the foreclosure process, again. I have also received XXXX separate letters stating I have a new agent, each letter had a different name, neither name is the person I am told is my agent when I call in. Total I have now been given at least XXXX different agents within the last year. I continue to make monthly payments and my checks are accepted every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: CT

Complaint narrative:
I have read much data recently pointing to the fact mortgage loans actually do not fund at closing and instead a bait and switch is done with the HUD1 and the paying off ( or not ) of prior liens. Therefore, when I was reviewing my closing documents, I was shocked to see " Total Estimated Funds Needed to Close '' on the RESPA listed as {$490000.00} vs. anything close to the loan amount of {$190000.00}. Might this be prima facie evidence of the chicanery happening?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
My Ocwen Loan Service Company is playing games with my home and wants me to pay for it after my husbands death ( XXXX 2015 ) and will not do a refinance, so I can keep my home and continue to make payments by remodifing the home loan. It has been in the works for since XXXX 2015 for the loan modification, which they keep staling to do so I could keep my home. please help me to get this cleared up.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
They are constantly call on my home phone & cell phone XXXX times a day even onSunday. 
They are also send mail to my renter, and my home owner insurance companyThey are saying that I am XXXX payments behind.

Company response to consumer: Closed
Consumer complaint received 2015-10-26 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I tried to refinance my loan to lower my monthly payments due to hardships. My claim was Denied and my house payment was increased to {$200.00} a month and will increase each year {$200.00} each month!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: WY

Complaint narrative:
Our loan is serviced by Ocwen. We inquired about a payoff amount in XXXX. When we received the payoff amount in addition to the principal amount due it included over {$16000.00} in an interest arrearage. This {$16000.00} was kind of hidden. We did do a forbearance on our loan back in XX/XX/XXXX which did alter/increase our payments for a period of time ( about a year ). The loan was transferred or sold sometime after that. We have asked Ocwen on many occasions since XX/XX/XXXX to provide documentation of an agreement to pay this additional interest they are adding on our payoff. They keep putting us off saying that they are opening a research request and then the issue went to an Escalation Manager who is also continuing to " research '' the issue. As of now they still have not provided any documentation saying that we would be charged this additional interest. We have been sent a Balloon payment notice saying that our entire loan is due and payable in XXXX, XXXX. They are trying to force us to pay this additional interest that we have not ever agreed to pay and do not feel that we owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I have had numerous problems with OCWEN since they have taken over servicing my home mortgage loan. The problems relate to how OCWEN services and applies payments to my home mortgage. I have my mortgage payment set up to automatically be sent by my bank in two payments each month, the first of which is held in suspense around the XXXX of the month until the XXXX payment is sent in by the XXXX for the total monthly payment. On multiple occasions when the 1st payment was received by OCWEN before the XXXX of the month, rather than placing it toward my next monthly payment they would apply it toward my principle. I typically would n't discover this until my next monthly payment was listed as being late and I would have to call to get it corrected. Even though multiple times I asked for them to note on the account about how to credit my payments, I finally had to adjust my 1st monthly payment to prevent it from happening. I never had this issue with any of my previous mortgage companies. The latest issue I had is that I received a notice of a {$1600.00} escrow shortage. I went online to OCWEN 's website, there is no escrow information available and no reference to my escrow shortage. However, there was a place to make a one time direct payment toward my escrow. I made a payment which was credited on XXXX XXXX. On XX/XX/XXXX I received another escrow analysis document and today I found out that rather than applying it toward the escrow shortage, it was applied toward a monthly mortgage suspense payment. I again had to call OCWEN to get the payment reversed today, which they are doing, but it will take at least a day to reverse the payment and another 5 days or more to re-analyze my escrow account. 
I have had more issues with OCWEN servicing my mortgage than any other mortgage company I 've ever dealt with.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
I 'm writing you to request some assistants and file a complaint on the referenced above loan. Ocwen closed out the short sale on XXXX/XXXX/16 and sent us a decline letter ( please see attached ). 

1 ) They never countered us to see if the buyer is willing to go up in their offer or advised us of the reason for the decline. Other than closing it out and email us a letter. As per short sale protocol you are supposed to contact us and let us know and give us at-least 24-48 HRS to respond back so we can counter the buyer. We were never advised or done. 

2 ) We ordered an Interior BPO on XXXX/XXXX/16 to be completed on the property. We never were contacted for access to get into the property. Which means it was never completed or done. 

3 ) The BPO they are going off of was only a drive by. ( which did not take into consideration that the property is mostly Wetland and the home needs to be torn down and rebuilt. NO ONE Should be living in this property. The seller is and is providing for XXXX kids and is unable to bring the account current or have the funding to relocate. 

4 ) Ocwen also denied the relocation incentive for the seller because they advised that the investor does n't pay for relocation assistants. The investor is XXXX XXXX XXXX Bank which is a lender that we work with all the time and they have always paid the relocation assistants. I have asked Ocwen several times for the investors phone number so I can confirm this and they still have given us the phone number to verify this. 

5 ) With the mentioned drive by BPO that was completed, it was never addressed or states the XXXX of the Acres on the property are wetland and are UN-build-able ( please see documents attached ) XXXX ) There is a foreclosure sale date set on the property for XXXX/XXXX/16 which is very concerning since we are trying to proceed with the short sale of the home. 

7 ) Buyers inspection, bids, comps are all attached too. 
With this being said the offer that we have on the property is a good offer since the home needs to be torn down and rebuilt, along with XXXX % of the property is UN-build-able and has to stay as wetland. 

Please help us postpone the foreclosure set on the property, along with reviewing the proof and documents attached. Please contact at your earliest convenience to talk about these issues that were addressed and assists us in a resolution to our concerns and complaint. We are in the office XXXX-XXXX PT. Thank you for your understand and assistants. We hope to hear from you soon!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Included my mortgage in bankruptcy chapter XXXX in XXXX of XX/XX/2008. Sent paperwork to Ocwen showing this was included. This was a joint account with my former husband. They are reporting my account late every month and XXXX days late. This should not be reported at all. It is due to come off my reports in XXXX but this has caused me hardship on my credit file. They have n't to my paperwork or acknowledge it since I sent it in to them. Please help me. This is against the stay of the bankruptcy courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I already have submitted a complaint. I am writing further to inform you that the Franchise Tax Board, State of California, has recorded a Lien against my property. This means any sale, transfer or rental is illegal. Pass it on to the subject ( s ) of my complaint. I have no mortgage, nor have I had one ever with Ocwen Loans, or any of the other parties so connected. I am the registered, Deeded owner, and I have sent documents to illustrate this fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I been working on a short sale with Ocwen since XX/XX/2016 with the same buyer with no closing date in sight. I was hoping this process would be wrapped up in 2-3 months but they have consistently been giving me the run around. Now they want me to give up my HAFA relocation assistance of {$10000.00} which was promised to me and my family. They sent over a fax yesterday to my realtor asking us to remove it off the settlement statement but my family desperately need that money to move. When I ask my realtor to get an explantation yesterday from the bank 's negotiator on why I no longer qualified for the {$10000.00} they said they would find out what happened and this morning but I guess I offended them and they decided to get another attorney who emailed my attorney saying they are denying my short sale all together today. All because I wanted what was promised to me the {$10000.00} relocation assistance. Yesterday my short sale was good to move forward but when I ask why they ask to remove the moving assistance they come back with a denial after 6 months of wasting my time and serving me foreclosure papers in the mean time, this is not a game this is my life. Why does it take Ocwen 6 months to do a short sale with the same buyer and then go back on promises. They have dragged out the short sale since XX/XX/2016 and intentionally made documents expire in order to take my property from what I can see. We been going back in forth every month since XX/XX/2016 trying to get this short sale done for my family and I feel like they are acting as if they can do whatever they want.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
between the months of XXXX XXXX and XXXX XXXX, my mortgage principle balance has gone up XXXX ... why? every month I see " other charges '' of anywhere between $ XXXX {$800.00} but never an explanation as to what these " other charges '' are. I 've also asked for a copy of the initial documents I signed detailing all the charges and particulars of my loan. I 'm told Seterus does not have them so oh well ... no documents for me and no way to know if what they are charging is within the detailed loan specifications or not. How can they just create charges with no type of explanation at all. Most of the loan agents are curtious but really know very little pertaining to your loan at all. Some of the agents are just straight up bullies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Tri-State Adjustments, Inc.
State: MD

Complaint narrative:
My purchase of a XXXX machine and supplies in XXXX of XXXX, was billed as a rental by mistake. While waiting for the error to be corrected, I paid {$600.00} towards the bill as I knew I owed something, but I thought it was less than the amount I paid. I thought I would receive a refund. Even though the mistake was corrected to reflect a purchase, the company and the billing partners are still attempting to bill me for amounts I do not owe. In XXXX of XXXX, one of the billing partners refunded the {$600.00}. Then I paid {$69.00} for the XXXX machine and supplies. That should have ended the matter, but one of the billing partners sent the matter to collections. I do n't owe anything further.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-25 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: MN

Complaint narrative:
Unreasonable delays in mortgage modification.

Company response to consumer: Closed with explanation