vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-01 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
I am in the process of refinancing a commerical loan. The loan was with XXXX but somw how its being serviced by OCWEN a collection agency. I am NOT in collections nor have I ever missed a payment. The issue is on XX/XX/XXXX my closing company and myself placed a call to OCWEN for a payoff, In doing so the OCWEN customer service agent gave us the date XX/XX/XXXX that we would have the final payoff. On XX/XX/XXXX we again placed another call to OCWEN and we where told the paperwork and payoff would not be ready until the XX/XX/XXXX. On the XXXX I started calling again because we still did not have a payoff figure or any paperwork to make the payoff. About XXXX XXXX called me back stating she just got involved and how could she help. I explained to her the above and she informed me that my relationship magager was not in and they had to pull my loan agreement from XXXX. But she would be able to send me the payoff figure. Again she called me back at XXXX and told me that I had to make the payoff today XX/XX/XXXX or according to my contract or I would owe a full months interest, this being about {$2800.00}. When I stated that could never could happen she advised to my closing company to just back date the paper work and close on XX/XX/XXXX. The closing agent said she would never do that and the new leanding Bank would never agree to this type of fraud. My closing agent asked if XXXX could run this up to a higher manager to ask if something could be would out, she finally agreed. At this point it was about XXXX XXXX and my Bank closed at XXXX XXXX so a closing could never happen. 
Well to make a long stroy short, I received a call aback from XXXX XXXX this morning XX/XX/XXXX stating that at XXXX XXXX this morning my pay off was faxed to my closing company with the additional {$2800.00} due. She would not do anything with it. I asked XXXX again about some kind of coursety write off since this payoff was promissed back on the XXXX of XXXX to be in my hands by the XX/XX/XXXX, then told on the XXXX no the payoff will not be ready unitl the XXXX and on the XXXX told it would take at least 24-48 hours more. I truely beleive OCWEN was putting the pay off for this time just to ake the extra {$2800.00} in interest. 
I feel that OCWEN works just like they say, a collection agency and will do everything in their power to get as much money as they can from their cliants. 
I do beleive this has happen to many others for the same stall tactics they gave me. 
Please help me to stop OCWEN from doing this to others and help get my over payment of interest back. 
ThanksXXXX XXXX XXXX XXXXLoan Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: UMPQUA HOLDINGS CORPORATION
State: CA

Complaint narrative:
My friend and I purchased a house together in XXXX OR. We set it up so that if either of us died the other person would get the house. XXXX XXXX Died XX/XX/2016.I had to sale because I could not afford it.The house sold on XX/XX/2016. My name was on the sale papers, deed, and should of been on the loan also.We had an escrow account for taxes and insurance. The insurance had no problem giving me my check in my name alone. You people at Umpqua bank refuse to give me a check with my name on it alone.I explained many times to your workers that it was impossible for me to produce a death certificate. I had no idea what name his daughter put on the paper. I gave up my new telephone number to try once again to communicate with his daughter XXXX XXXX. 




she is now harrasing me me all the time. Please send me a check in my name for taxes saved in escrow which belongs to me not you in the amount of XXXX

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 2015-12-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: AR

Complaint narrative:
Hi My name is XXXX XXXX XXXX. I have recently came out of a bankruptcy with discharge success. Once I came out of the bankruptcy Ocwen ( XXXX mortgage ) would no longer take my payments. They gave me XXXX options : 1 ) pay the reinstatement amount 2 ) apply for a hardship modification. I have spent the last 7 months apply for the modification. I have sent and resent information to Ocwen over five times per their request. Now they have sold the paper on my loan to XXXX XXXX. It appears the process may have to start all over. I want to keep my house but I think I have been set up for a foreclosure. I need your help to maintain possession of my home. Please advise ... ... ... ... ... ... .. 
Sincerely XXXX XXXX XXXX Loan number with Ocwen : XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
On XXXX XXXX, I was notified by my home flood insurance carrier, XXXX XXXX, that my flood insurance policy has expired. The policy has expired because my mortgage company OCWEN mortgage has not paid the policy out of escrow ( as they 've been directed to do and as they 've done in the past ). In talking with XXXX, the agent mentioned that this is a standard of practice- that several mortgage companies will wait until the grace period deadline to pay. His statement was that OCWEN is notorious for waiting until the last minute. That means- if I have a flood anytime until the policy is paid, I am not covered. This is unacceptable- and should be criminal. OCWEN says they 're unable to pay because they have not received the invoice from XXXX. XXXX says they 've faxed the invoice several times- 60 days, 45 days prior, XXXX XXXX and XXXX XXXX. The XXXX agent mentioned that he has noticed that XXXX in the past 18 months- is constantly changing e-mortgage clauses, fax # s and PO boxes. This seems to be a convenient method to deceive customers and avoid responsibilities. It also signals to me that OCWEN may not be solvent. I 'm continuing to work with both OCWEN and XXXX and hope to resolve things sooner than later. I think OCWEN is utilizing deceptive business practices and I request an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17 00:00:00
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
Last week we contacted Ocwen regarding the account and the status of an upcoming foreclosure sale. The customer service rep for Ocwen stated that there was no sale pending and that information was being reviewed on a notice to correct an error. The representative talked about is going online to complete modification paperwork. When we went to Ocwen online we found that Ocwen already had some type of workout plan under review. I setup another appointment with a relationship manager to check the status of any workout or alternative to foreclosure that was under review by Ocwen. The scheduled appointment was held at XXXX today XXXX XXXX, 2016. The relationship manager stated that there was no pending sale and that modification documents would be sent out. Prior to the XXXX meeting the law office representing the trustee sent an email at XXXX stating that they were informed by Ocwen to proceed with the sale scheduled for Friday XXXX XXXX, 2016 at XXXX. While on the phone with Ocwen, I was not aware that the attorney had emailed a conflicting status. Ocwen has not responded to the notice to correct the error that was sent around XXXX XXXX 2016. Ocwen did send a letter stating that they will respond to the notice. Also Ocwen did not provide the status of what they reviewing as an alternative to foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Currently, my loan is being serviced by Ocwen Loan Servicing , LLC . I obtained this mortgage prior to XX/XX/XXXX. I tried several attempts to qualify for a loan modification but recently my circumstances changed because my husband and I decided to file for a divorce and I do not make the same income as I use to. Next, I decided to list my property for a short-sale and found an approved buyer for my property. I completed the XXXX request for relocation assistance and became aware that any short-sale that closes after XXXX XXXX, XXXX and its was the homeowners primary and only residence, that the would be entitled to the {$10000.00}. I went on the Making Home Affordable website to confirm this and saw that I meet all of the criteria to be eligible for the XXXX funds. The website states the following : You may be eligible for HAMP if you meet the following criteria : Because of a financial hardship, you are struggliing to make your mortgage payments. 
You are delinquent or in danger of falling behind on your mortgage. 
You obtained your mortgage on or before XX/XX/XXXX. 
Your property has not been condemned. 
You owe up to {$720000.00} on your primary residence or XXXX unit rental property ( loan limits are higher for XXXX to XXXX-unit properties ). 
You have not been convicted within the last 10 years of a crime in connection with a mortgage or real estate transaction. 

However, Ocwen is now stating that if there is a scheduled sale date within 60 days, that the homeowner is no longer allowed to receive the {$10000.00} and any government assistance. We have been working with this qualified Buyer since XX/XX/XXXX and we submitted all documents timely ( within 90 days of the sale date ). Now, Ocwen is denying me consideration of the XXXX funds even though they had a completed package more than 80 days from the sale-date. I spoke with other lenders and this is not the case. I believe that Ocwen is not only doing this to me but also doing this to numerous homeowners who really need government assistance which is what the program was designed for. I am requesting for the Consumer Financial Protection Bureau to seriously investigate the current practices of Ocwen because I believe they are in breach of helping struggling howeowners who legitimately need assistance. Thank you for you time to help assist with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
Our loan was modified. We made all the trial payments needed. They came back to us and said they were sorry they made a mistake. We appealed it and then they came back and said they would honor the {$1800.00} payment but we had to pay {$5600.00} in a few days. We asked for more time but they said no. We appealed and was told to do nothing until they reached a conclusion. They told us to make XXXX 2015 payment which we did. They sent us new modification papers which only stated we had to pay the {$1800.00} and nothing else. We signed and notorized them and sent them back. They executed them and sent us copies. I made the XXXX payment on time and today XXXX/XXXX/15 they returned my money and said they want {$6100.00} by XXXX XXXX ( 4 days ) and also pay {$2900.00} for 6 months before we can pay the {$1800.00}. They said our modification was no longer good. I do n't feel what they are doing is right. Can you please help to straighten out this mess. We do n't want to lose our house over this because they are not taking our payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I refinanced my mortgage last year. Ocwen, the servicer at the time, received and applied full payment on XXXX/XXXX/XXXX. As of today, XXXX/XXXX/XXXX, I have not received a satisfaction of mortgage from Ocwen, nor is the satsifaction recorded with the county in which I reside.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
ILLEGAL RETALIATION & EXTORTION Federal Law entitles a consumer to file a complaint with CFPB if a financial institution engages in financial malpractice against the consumer. I exercised such right and filed complaints against OCWEN LOAN SERVICING , LLC recently. 

OCWEN agreed to correct its records and give me due credits only after I complained to CFPB. However, OCWEN retaliated against me for filing the complaints with CFPB as follows : 1. Following my complaint to CFPB in XXXX regarding OCWEN 's illegal charges of {$140.00} in my account, OCWEN credited my account for {$110.00} and denied the remainder {$25.00} ( EXHIBIT XXXX, attached ). In the process, OCWEN cancelled accrued modification incentive on my account ( EXHIBITS XXXX, XXXX, XXXX, attached ), but failed to identify and assign other eligible incentive as it proposed in EXHIBIT XXXX despite request that it do so. It is noteworthy that HAMP programs have incentives built in for consumers. 
2. In late XXXX, I filed another complaint with CFPB providing substantiating evidence that OCWEN illegally charged my account for the {$25.00} it had XXXX refused to refund. OCWEN, in turn credited my account for the {$25.00} XXXX EXHIBIT XXXX, attached ). However, OCWEN retaliated against me again by doubling my outstanding balance from {$2300.00} on XXXX/XXXX/XXXX statement ( EXHIBIT XXXX, attached ) to {$4600.00} on XXXX/XXXX/XXXX statement ( EXHIBIT XXXX, attached ), thus precipitating an artificial delinquency even as scheduled payments were made to OCWEN on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX in keeping with an agreement I reached with OCWEN following my Loan Modification as evidenced by the history of my previous payments ( EXHIBIT XXXX, attached ). 

There was no past due payment amount and there is no past due payment amount contrary to OCWEN 's notation in EXHIBIT XXXX. Such entry is an illegal fabrication and purely retaliatory and nullifies California Law that gives the consumer at least 10 days from due date to pay mortgage loan without any penalties. The retaliation is intended to artificially induce financial hardship, enable OCWEN to declare delinquency, charge late fees and foil my satisfactory execution of terms of the loan and ultimately threaten foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
This is my second complaint I just filed one yesterday to make my point these people at owcen is next to impossible to deal with they are inconsistent poor communicators and have not respect for people in crisis I got a call from on XX/XX/XXXX from a agent name XXXX he left me a message stating to return his call @ XXXX and if he did not ans.tell the person to get him to the phone instead an agent name XXXX just started asking me questions saying she can help with no regards to my request to speak with XXXX I got annoyed with her and just said anything first she said XXXX was not in yet I asked her what time she expected him then she said he would not be in at all I then called XXXX this XXXX guy answered he was not polite all could hardly understand anything he said all they do is verify info but can not help you after you give them all your demographic owcen must do better this is awful no one should have to go such just to do something as important as getting repairs on your home that you have to live in needless to say it is still raining and I am still dealing with robots. ocwen is company no one should have to encounter.

Company response to consumer: Closed
Consumer complaint received 2016-01-28 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I am in an active modification review with my lender Ocwen, as of XXXX/XXXX/2016 I was informed that additional documents were needed and was informed from XXXX ID # XXXX that the sale currently set for XXXX/XXXX/2016 was ON HOLD pending further documents in which was faxed over on XXXX/XXXX/2016. Now after following up with the lender I am informed the sale is in fact active and they are proceeding tomorrow XXXX/XXXX/2016 at XXXX XXXX leaving me no option but to file an emergency bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
Husband and Wife owned their home. XX/XX/XXXX, wife passed away. At that time husband believed that the balance on his mortgage loan had been paid down to approximately {$30000.00}. Not more than a few weeks after his wife passed away husband noticed that XXXX XXXX XXXX, XXXX was drawing money from his bank account. After being stonewalled by various XXXX representatives, husband discovered after going through some of his wife 's old mail that XXXX was claiming his deceased wife took out a loan for approximately {$80000.00} and XXXX claimed a mortgage on his Home for that amount. Any corresponding loan that his wife entered into does not bear his signature ; accordingly, any mortgage that XXXX placed on his Home was also forged and therefore void ab initio under Michigan law. Over a period of 7 months immediately following his wife 's death, husband continuously sent letters to XXXX indicating : that his wife had passed away and therefore XXXX should stop sending documents addressed to her ; He had no knowledge of the alleged loan ; He had never authorized the Mortgage on his Home ; and Demanded XXXX to remove the Mortgage at once. 
Effective XX/XX/XXXX XXXX XXXX XXXX became the Loan Servicer. U.S Bank is the assignor of the Note and Mortgage. Husband sued U.S Bank. and XXXX XXXX XXXX to discharge the Mortgage. Husband and U.S. Bank entered into a Settlement Agreement, U.S. Bank failed to live up to its end of the bargain, and the Court dismissed the case. U.S. Bank has failed to take any actions to resolve the dispute. Husband continues to maintain that the mortgage is forged and therefore invalid. However, on XX/XX/XXXX, with full knowledge that the mortgage is defective, XXXX XXXX XXXX, through XXXX XXXX published a Notice of Foreclosure Sale By Advertisement, with a sale scheduled for XX/XX/XXXX - this sale is unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
During my loss mitigation application process, I contacted Ocwen at regular intervals in order to understand my loss mitigation options and understand the status of my loss mitigation application. On Thursday, XXXX XXXX I made three attempts to contact Ocwen. Upon each of four initial contacts, a representative transferred me to the Ocwen short sale department. During my call at XXXX XXXX XXXX XXXX XXXX XXXX XXXX A recorded message answered at the short sale department and explained that Ocwen business hours were between XXXX and XXXX and then my call was disconnected. Because the call was between those business hours, I could find no reason why my call was not answered. On Friday, XXXX XXXX, I had the exact same situation occur at XXXX XXXX and XXXX 

I believe that there is a system error at Ocwen that is resulting in an unfair practice to me. I have no control over their automated system, or errors that it perpetuates by hanging up on borrowers. I was disconnected XXXX TIMES when trying to obtain information on my loss mitigation application. This resulted in delays getting me information about my application. If Ocwen does not have a glitch in their automated system, they do not have appropriate phone system procedures in place to route calls appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
Tired to get a loan modification through Ocwen. My mother was put in an assisted living and my wife lost her job. After getting nowhere with Ocwen 's Off Shore call Center I wrote to Senator XXXX XXXX Office. I got a woman named XXXX XXXX who attempted to help me even she could not get anywhere with Ocwen.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Ocwen holds the XXXX mortgage on my condo. I fell behind in my payments due to my income being reduced by more than XXXX %. I have been trying to work with them on reducing my payments. Each time I call my relationship manager, they are never available and whomever I speak with does n't take me seriously and are not helpful. I tell them I do n't understand why they are unable to reduce my payments and work out a repayment plan. The last time I spoke to someone regarding a repayment plan, he said he would send me an email for me to accept the arrangement. I never received an email nor did they call. I 've followed up with Ocwen on numerous ocassions and am still trying to speak with my relationship manager. I feel as though Ocwen is bullying me and are not trying to help me keep my home. I 'm not sure if it is a language barrier as everyone seems to be in XXXX. They are not a consumer friendly financial institution. They never mention anything about President Obama 's housing programs that you hear so much about to assist homeowners. I 've worked very hard for my home. Since my income was reduced drastically, I 've done everything I can to get this worked out.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: LA

Complaint narrative:
Ocwen. No paperwork to participate in class action suits. We were victims of wrongful foreclosue and fake loan mods. Losing payments. Unposted payments. And more

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: IN

Complaint narrative:
I paid off my mortgage to Ocwen Financial Corporation in XXXX 2015. It is XXXX and I still have not received my title to the house. Looking online for complaints, I see this a common problem with Ocwen. My Mortgage loan prior to Ocwen was with GMAC Mortgage.

Company response to consumer: Closed with explanation