vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
I have been working with my mortgage lender for months on a short sale. We have a buyer and supplied all needed documents to our mortgage company. They have not postponed the pending foreclosure date set for XXXX XXXX. My family is very concerned as we are trying to do the right thing. Please assist us in requesting Ocwen to postpone the sheriff sale to allow us to continue our short sale process.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: MS

Complaint narrative:
Ocwen has filed a blatantly false response to this Bureau, in fact when we received a notice of news paper filing of foreclosure from the law firm of XXXX and XXXX in a single page letter, we filed a cease and desist letter in response demanding any and all paperwork, letters, previous notices, or any other related material in which they claim to have to establish standing, all they sent was a copy of deed of trust and various assignments of loan servicers. none of the paperwork received was any letters that Ocwen now claims they sent to us and has reported to this Bureau. also we filed a complaint in XXXX XXXX and within Ocwens responsive pleadings and exhibits nowhere was any letters filed, as they now claim, this is a material fact. the only papers filed as exhibits where deeds of trust and assignments of loan servicers, which is the exact same paperwork as XXXX, a material fact. an now Ocwen has filed with this Bureau chronological letters in which they claim they sent to us. this claim by Ocwen is a blatant falsehood and shocks the conscience and shows the length in which Ocwen will go to deceive and commit fraud. Ocwen never sent these letters because they did not exist, Ocwen and their attorneys fabricated these letters that all-a-sudden they provided this Bureau with these fabricated letters of fraud and deception and should be held in contempt of the Decree in which they entered. these are the exact types of deceit and fraud by Ocwen as Director XXXX XXXX described

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24 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:
This is my third time reporting this company who has yet to reveal any information to me as to the detailed itemized charges. according to the fair credit reporting act this information must be disclosed to me prior to any reporting agency. I never recived any thing from this company. The federal law states that I must have been provided a detailed statement of the charges before reports are made in regards to my character. ( FCRA 606 ) I have spoke with experian in this regard. there claim was that the debt was verified. however the agency must procure procedures to assure accuracy of the information ( FCRA 607 b ). experian has failed to do this and refused to let me dispute the item saying i didnt have any new info.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Ocwen Loan Servicing XXXX, debt collector have used Fraudulent and Forged document to accept Insurance Loss Draft check on XX/XX/XXXX, in the amount of {$6700.00} from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Fl XXXX Draft XXXX. 
Ocwen DOES NOT have Any documentdocumentsdocuments to collect on this debt. This debt was discharge on XX/XX/XXXX, Chapter XXXX United States Bankruptcy Court. Ocwen accepted LOSS Draft after discharge debt Voliates 15 USC 1692 and Florida Statuue 817.535. As of XX/XX/XXXX, filed Fraudulent foreclosure, No Letters, No Notice no communication a bout filing. Ocwen-XXXX co ntinue to avoid sending any documentation to show Proof of Ownership as of XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Churchill Holdings, Inc.
State: MI

Complaint narrative:
XXXX we submitted a loan application- they messed up on the application. we re submitted another application, after waiting 3 weeks we were notified they lost our application. we refiled another application another 40 days we have now been notified they are not putting the loan through. the advised us not to pay things have have finacially put us in a bind.This was through XXXX XXXX at Churchill mortgage in XXXX michiga

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

Complaint narrative:
After I was XXXX from XXXX Bankruptcy in XX/XX/2014, OCWEN forced insurance on my property. I had proof that I already had insurance. It took me XXXX XXXX XXXX XXXX months to have it reversed. Then OCWEN took the extra monies and applied it to the loan instead of placing it in escrow. I was then preparing to sell the home, and discovered the title of the home was in The XXXX of XXXX 's XXXX name. When I confronted OCWEN, they did nothing. I then requested a detailed report on the status of the loan in XX/XX/XXXX. OCWEN sent me a statement. I then, for the next XXXX months, faxed a request, phoned in several requests for a detailed report for the loan. They have not delivered that information year to date. In XX/XX/XXXX I retained legal counsel. I demonstrated where the XXXX paperwork showed the debt agreed upon was paid in full and the balance is XXXX. Now please keep in mind, I am not necessarily saying I do not owe a balance. But I do not owe the amount OCWEN states. OCWEN never deducted the amount I paid in XXXX bankruptcy. That is the dispute, and OCWEN has foreclosed on the loan on a property that is not in my name. My lawyers have defended the loan as a typical foreclosure. It is not. I have sought other counsel, who have said I have a case, but want {$20000.00} up front. I can not afford that. I do not know what to do, and my court date is XX/XX/XXXX

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

Complaint narrative:
Ocwen loan servicing , LLC assumed my mortgage from homeward mortgage, and this resulted in a late payment charged to my account. I been trying to get this payment removed through them for three or more years. they have reported this to the credit bureau and effected my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: NV

Complaint narrative:
ocwen loan servicing llc was keep sending me a letter attempting to collect debt regarding loan number XXXX we have no idea of what and who do we owe this loan. we believed that XXXX mortgage transferred our acct to XXXX after we filed bankruptcy chapter XXXX. also possibly after we shortsale the same properties the next year. 
short sale was done under the advice of my lawyer because for two years after got discharged from chapterXXXX, properties is still under our names, and we can not buy a new house. so, in order to removed those properties in our name, we short sale it and went to legal process.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: NARTEY LAW GROUP, LLC
State: GA

Complaint narrative:
Nartey Law group failed to disclosed verification of a credit card debt, failed to give proper notice of a judgement XXXX county court. I XXXX XXXX XXXX was not served a notice to appear in the above court.improperly double the amount owed

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: OK

Complaint narrative:
Ocwen Loan Servicing , LLC, by assignment of servicing rights from XXXX XXXX XXXX , XXXX, caused homeowners mortgage loan to be foreclosed on by XXXX XXXX XXXX, XXXX. as Trustee for XXXX XXXX XXXX Loan Trust XXXX. XXXX instructed the homeowners to stop paying their monthly mortgage payments and to apply for a loan modification, which XXXX failed to properly process. XXXX then declined the loan modification, but failed to explain why. XXXX then offered the homeowners to sell their home for a compromised payoff amount ( short sale ). Eventhough the homeowners had a cash buyer, XXXX failed to finalize the documents and thereby blocked the sale of the homeowner 's home. XXXX actions directly led to the related home being foreclosed on.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
My husband and I experience a short financial difficulty recently and are in the process of taking a hardship withdrawal from our XXXX. We have been in constant communication with Ocwen Financial Corporation during this short term period and requested a reinstatement letter from Ocwen mortgage XXXX. My husband and I are reinstating the loan in 10 days and want to reinforce that out short financial difficulty is not the motivation for this complaint. On XXXX XXXX I requested the reinstatement quote be sent to the email I have on file with them. On XXXX XXXX I saw that they emailed the quote to my XXXX partners email that myself and our XXXX also have access to and is primarily used for our XXXX to contact us. I quickly forwarded this email to my correct email address and erased it. It was too late, my XXXX partner had already opened the email and contacted me through txt message about it ( I can provide the records if needed ). I then contacted Ocwen and they admitted to incorrectly entering the email address and sending it to the wrong email address. By their error of omitting the XXXX portion of the email address, it was not only sent to the wrong email but was sent to the email address of my business partner and employees. The email address that it was incorrectly sent to was never given to them or authorized for them to use. I confirmed their admission that it was their error and they had not entered the email information correctly. By failing to enter my XXXX name at the beginning of the email address it resulted by matching my XXXX partner 's email address. I XXXX with a partner and was in the middle of a business deal which was very fragile in nature. By sending this email they have compromised this business deal and put the future of my XXXX in jeopardy. By sending this confidential information about my mortgage and my financial position to my XXXX partner and employees, it has not only has impacted me emotionally but has damaged my position in the company and the ruined my buyout and reorganization of the company. It has financially impact me substantially and ultimately it could cost me my XXXX and my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Cooper Hoffman Klein Associates
State: NV

Complaint narrative:
Received a call from XXXX at my work from Cooper Hoffman Klein and Associates. The caller identified himself as being from the XXXX XXXX subpeona processing department. He said to avoid a warrant and arrest I had to make immediate arrangements with him. I asked for proof of debt. His response was that he is representing an arbitration firm and is not a debt collector. He said he did n't have to abide by rules that debt collectors must follow. He repeatedly threatened me with subpeona and arrest for fraud, that this was my last chance to avoid prosecution.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Ocwen Loan Servicing , LLC, who I have written to and phone refuses to send me a receipt showing that my XXXX 2015 Mortgage Payment and Escrow Shortage have beenpaid in full. I paid both of these in " Advance '' XXXX XXXX. They still till me that my next payment will be higher in XXXX. I asked them adjust the payment to reflect and they have not done so. My first contact was on XXXX XXXX 2015, at which time the Agent # XXXX said they needed to collect a higher payment. I have cooperated and done everything they asked of me. I requested a Loan Analysis which I received. They refuse to send me a receipt saying it is not possible to do so. I did not receive notice that I had a Mortgage Shortage until they raised my payment. Also they sent me a Escrow Shortage Coupon after the payment had been sent. Even though they gave me a verbal, not a written that they received the payments, they still require me to send in a coupon. I sent today and once again asked them in writing on their coupon to make the requested adjustments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
In XX/XX/2009, I graduated and had {$60000.00} worth of private student loan debt. Among majority of Americans, I too were jobless. For a solid year, I did n't have work or the means to pay the amount due for my loans. I took an entry level job, {$XXXX} an hour ... 

XXXX put me in forebearance. Two years later they sold the debt to Navient and my original XXXX balance turned into $ XXXX. I tried to get on a plan to pay down the balance but they wanted $ XXXX a month and would not take any less. They would n't consolidate the loans which all had variable rates ranging from XXXX % -XXXX %. I made a payment of {$1300.00} a month ( as much as I could on my poverty level salary I was receiving. Even with those minimal payments they took action against me, defaulted me, and are currently trying to sue me and ruining my credit so I ca n't even rent a place to live! The loans to date are up to $ XXXX and they ca n't prove to me why or how! I ca n't discharge, appeal, nothing! I 'm drowning and do n't know where to go or what to do! Navient is an evil company not looking out for American students!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: AR

Complaint narrative:
I applied for a loan modification with Ocwen Mortgage in XXXX 2016. I am asked almost on the weekly basis to provide information I have already provided. When I submit the missing documentation, I am told my modification is in review and with the next couple of days when I call I am told that either the same or different forms are missing to the point that my application expired and I have had to resubmit application again. I have only spoken with the relationship manager assigned to me once. Although they say notes are taken, the next person is never aware of previous contacts issues. I do not understand this. We are now in XXXX and this issue is ongoing. Please help me. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
OCWEN Loan Servicing , LLC sent a letter dated, XX/XX/2017, received by my person on XX/XX/2017 via regular XXXX, within which, it states : " Recently, Ocwen Loan Servicing , LLC ( " Ocwen '' ) sent you a Notice of Default due to your loan becoming past due. '' It further states that, " ... ... which puts you in default of your loan agreement and the property may be referred to foreclosure after 14 days from the date of this letter. '' Account holder, XXXX, affirms the following : 1. I am not in receipt of the claimed " recently sent '' Notice of Default as of this date. 
a. I have spoken to XXXX, Agent ID XXXX, on this date, Sunday, XX/XX/2017, starting at XXXX EST to your XXXX customer service number and he advised of the following : i. The referenced Notice of Default has never been sent by OCWEN, thus the reason for my having not received it. 
ii. He has sent a request to the Research Department to find out as to why the referenced Notice of Default has never been sent, yet, it is referenced in the Pre-Foreclosure Referral Letter. To-date, OCWEN has not responded to my request to produce the claimed letter. 
iii. The recording of the call can be traced to this date between XXXX and the end of the call at XXXX. 
2. The letter states a 14-day clock reference as to possible foreclosure action, however, OCWEN 's acknowledged misrepresentation of the existence of a Notice of Default that was never sent to the consumer, makes their threat moot and in direct violation of the terms of the mortgage and applicable governing laws. 
Servicing of my mortgage is totally out of control with numerous misfires, misrepresentations and fabrications, in addition to OCWEN 's silence on the topic. 
I am most receptive to an amicable resolution in light of the fact of the many OCWEN missteps it continues to do and that can have significant consequences on my person, family and our home. 

For an organization to make a representation of the existence and submission of an important document such as a Notice of Default, when in fact it acknowledges and confirms it can not produce the document or any evidence of its existence is unethical and unacceptable. I trust your office can bring some sense into this in reaching an amicable resolution. Thank you in advance for your assistance. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
I made a payment of {$1200.00} on XXXX/XXXX/2015 which, as of today ( XXXX/XXXX/2015 ) still has not been applied to my account. The payment is being held in suspense. My mortgage payments are up to date ( next payment due XXXX/XXXX/2015 ) and the payment is not a partial payment ( normal monthly payment is {$950.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I had a HELOC originally with IndyMac Bank. When that bank failed it was transferred to Ocwen Loan Servicing. I satisfied the loan in XXXX, XXXX and received a letter acknowledging the payoff and promising to record a satisfaction. In XXXX, XXXX I sold the property and the title company found the satisfaction had not been recorded. There ensued a countless chain of phone calls and emails trying to get this resolved. Ocwen said there was a " chain of title issue '' that needed to be resolved. Closing was scheduled for XXXX/XXXX/XXXX and only because of diligence by the title co. were they able to get a letter that allowed closing. 
Today, XXXX I received a letter from Ocwen saying that they are drafting the satisfaction and will send it for recording. In other words the loan has not yet been satisfied of record. 
This is completely un-professional and, in my opinion, quite unethical. 
While they were more than happy to send me bills and accept payments. it seems they never officially owned the loan until just recently. I know the loan was my obligation and I paid it. The contract however is a XXXX XXXX street and they did not hold up their end. They are impossible to communicate with and have no concern that I was selling the property. 
THAT 'S JUST WRONG. Any help in ensuring this does not happen to someone else who did not have such an understanding and dedicated title company will be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: ME

Complaint narrative:
As a customer of navient who pays their bill monthly I called them countless time ( mostly in tears ) to ask them to lower my student loans and make them more affordable. Often times I was told that it was n't possible and that I did n't qualify for income based repayment because I file my taxes jointly. I have federal, department of education, parent plus and private loans all through this company. It nearly drains our bank account every month and they have assured me I 'm at the lowest possible payments. They 've also informed me that due to the loan my dad chose the payments go up every 2 years and there 's no way to change it. I ca n't take my co signer off my loans or transfer the parent plus into my name even though I 'm the one who consistently pays. It 's been an awful process and I still have many years left with them. I hope you can help others like myself stop this from continuing. I am also informed that since I am a XXXX I am not eligible for any sort of XXXX forgiveness which is totally absurd. I make way less than XXXX and we meet all the same requirements as they do.

Company response to consumer: Closed with explanation