vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Ocwen Financial Corporation
State: MN

Complaint narrative:
Hello, Around XX/XX/XXXX my wife and I ran into difficult financial times with XXXX and were force to file bankruptcy. We tried to keep our house by continuing to make payments until XX/XX/XXXX. XX/XX/XXXX, we stopped making payments on our house and moved out. Because the house we lived in was under construction we were unable to do a deed in lieu and have to wait for the foreclosure of the house. Since then I have rebuilt my credit and have been trying to purchase a another house. However, the previous house has not been foreclosed on ( and we need to wait 2 years after the foreclosure to qualify for an FHA loan ) we are unable to purchase a house. I called the mortgage servicer and they told me that they ca n't rush the foreclosure any faster it 's ( almost 3 years ), but this is causing us undue hardship by not being able to qualify for another house. Is there anything I can do?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
This is a continuance of a complaint submitted through CFPB 2 months ago, Case number : XXXX. I called XXXX XXXX the Omsbudsman assigned to me by OCWEN Financial Services in response to the CFPB complaint I have submitted, in order to get a copy of all transactions that occurred during the time my XXXX yr old mother has had her loan with them for the purposes of reviewing those documents with our lawyer. It has been 2 months and I still have not received those documents. I spoke with XXXX different advisors at her office since then. We need those documents to understand the conditions by which they have set forth for my mom 's mortgage terms. To this date, they still have not supplied me with loan documents which I have the right to receive. Originally, I was sent some documents from them that contained a fine print, unusually tiny font, that no human being would be able to decipher. I requested the documents to be sent in an acceptable font size to be legible and read.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Ocwen Loan Servicing acting as the Servicer of this Mortgage has failed to meet all of its requirements under HBOR and is attempting to illegally foreclose on our personal home by selling it at auction on XXXX XXXX. The direct violation of HBOR law is based on Ocwen Loan Servicing improperly and unfairly reviewing our loan modification request for relief. We have submitted a complete loan modification direct via fax. Ocwen Loan Servicing illegally commenced and is conducting a foreclosure without attempting to find workout relief options for us. They have mishandled our documents and file several times and failed to properly communicate with us throughout the process. They simply wish to foreclose and kick us out onto the streets. They have clearly violated HBOR specifically under the " dual tracking '' clause. Ocwen Loan Servicing instructed and allowed the foreclosure trustee named XXXX XXXX XXXX to illegally start foreclosure on my property. The Ocwen Loan Servicing and know your options website gave the result that we are eligible for a Loan Modification with a lower payment to save our property. So there is no reason why Ocwen Loan Servicing should have denied our request or started foreclosure on our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
Ocwen financial services claims simultaneously to have a loan with me ( despite my never having done business with them or having been notified of said loan ) and to have written off said loan with the IRS in XX/XX/XXXX. Further, they continue to insert themselves in a legal case I have against XXXX XXXX XXXX company regarding my foreclosure. Ocwen has claimed in a legal deposition that they are the current holder of an unsigned original, legally executed Note. XXXX has claimed that the holder of the note is the owner of the property. However, Ocwen appears to have discharged the Note according to the IRS. This Note was discharged previously by IndyMac Mortgage Services in XX/XX/XXXX ( which Ocwen is aware of as the evidence of this was shown to them at a legal deposition ). Ocwen appears to have applied a court ordered use and occupancy payment made out to XXXX to a loan ( number XXXX XXXX which Ocwen pretends to have with me. I have received no notification that any loan was transferred to Ocwen at any time, nor could this have happened since Ocwen was not ( and does not claim ) any involvement until long after a foreclosure had already taken place on the property. Further, Ocwen did not ( according to their own testimony at deposition ) become holder of any Note or Loan through the purchase of the assets of IndyMac Mortgage Services from XXXX ( or any other entity ), rather, they claim this happened as a result of XXXX giving them an original copy of a legally executed Note where it was held in a vault from the time of foreclosure. These very facts are in dispute in a court of law at the moment and the case is pending appeal. 
In filing a tax for claiming to discharge a note that they did not had and had been previously discharged, Ocwen is guilty of tax fraud against the IRS. In claiming to have a loan with me and/or attached to my property, Ocwen is committing fraud. If Ocwen is claiming to have a loan with me, I was never notified of this fact as required by federal law and I dispute any such claim. By assigning a payment to a loan which does n't exist, Ocwen is committing fraud, since they simultaneously claim that they discharged the debt last year and the check was not made out to Ocwen Financial it 's parent or subsidiary or related companies which constitutes check fraud. Further, Ocwen is violating the court order for use and occupancy, which they are not entitled to since they are not part of the legal action. Further, Ocwen is clearly conspiring with XXXX and is costing me money. Finally, Ocwen was previously notified of their tax fraud by registered letter, so they are already aware ( or should be aware ) that their behavior is inappropriate and likely illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Sentry Recovery and Collections, Inc.
State: IL

Complaint narrative:
This collection agency has contacted me several times about a debt that I owe them. I am unfamiliar with this company and do n't understand how that got my information. I know that if this bill is from the old day care provider that I used the bill is not suppose to be this amount. However, this occurred seven years ago. I thought it suppose to have disappeared by now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-24 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
To whom it may Concern : I am stating I sent Ocwen Loan Servicing , LLC a letter of settlement of account by certified mail on XXXX XXXX, 2016 and a QWR by certified mail on XXXX XXXX, 2016 and Ocwen responded back to me on QWR on XXXX XXXX, 2016. I still have n't received answers/concerns regarding the loan. I am requesting a {$13000.00} settlement or modification of {$24000.00}. 


Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: IN

Complaint narrative:
I received XXXX calls at work on XXXX/XXXX/16 with messages left on my voicemail from a man with an accent saying his name was XXXX XXXX with Ocwen Loan Servicing. The caller ID showed up as Ocwen 's phone number XXXX, but his call back number given he said was XXXX which has a fast busy signal when I tried to call it back. He threatened that Ocwen would be placing legal action on me resulting in me losing my home. He gave my full name and my property address.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
This morning, XXXX XXXX, 2016 I received consistently annoying calls from Ocwen Loan Servicing company on my landline used primarily for my home security system beginning at XXXX from one of their call centers out of XXXX . When I picked up the phone and said hello there was silence then a click as though my voice was being recorded then they hung up. The phone calls continued back to back consistently till I left the house at XXXX. Someone was purposely dialing, and/or pushing an automatic call button to annoy me early in the morning. They were harassing me and causing a lot of mental stress for me and my household.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-04 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
My husband and I applied for a HELOC in 2006 from GMAC/XXXX. XXXX XXXX was the officer we worked with during the application process. His contact information is GMAC XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. From the documentation I kept in my files, this is what I have pieced together. My husband and I were quoted a fixed rate of 8.25 % XXXX mo term. We received the loan documents to review on XXXX/XXXX/06. Everything looked good per the TIL and Good Faith. We then received a second copy which I kept. Then we received a third copy which turns out, was not the same set of documents. It is dated one day later on XXXX/XXXX/06 and did not include any specifics about the loan, no TIL and no Good Faith were included. I also have a copy of the closing instructions dated XXXX/XXXX/06. with no TIL or GF listed in the document section of the closing instructions. My loan was since sold to OCWEN. I recently received a letter from the current HELOC financer stating that I will be making the final loan payments at full principal as per the terms of my interest only loan. The problem is that my husband and I never applied for an interest only HeLOC. We feel that we closed on a different loan than what was initially disclosed to us and defrauded of 10 years of principal payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I received XXXX letters from OCWEN in XXXX XXXX XXXX Florida requesting that I submit a completed Tax Identification Form XXXX. The requested information was sent along with copies of SS card, loan document statements and a cover letter ( return receipt requested & returned to me ). A follow up conversation revealed their request was satisfied ; they had indeed received the information. Now, two days later I received a phone call from " collection agency '' stating they will be deducting money from my account if form not received. I advised that I will be paying off the loan before their XXXX XXXX, 2016 deadline. 
This is harassment!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
In XXXX 2016 OCWEN posted Keep Your Home California funds to my account. My home loan payment was supposed to change from {$1100.00} to {$820.00} according to the Keep Your Home California recast. I was told this recast was not optional. I signed the document OCWEN sent to me months later in XXXX 2016 even though OCWEN did not include a return envelope. I used the address on the document and took a photo with my iphone and sent a copy to XXXX XXXX at OCWEN so he would know what address I sent the notarized document to. OCWEN did tell the Department of Justice that they did not receive this document and yet they made no effort to send me the document again and would not return my calls and emails regarding the fact that I needed an envelope. I had to try to remedy the situation without any help from OCWEN. They are non-responsive at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
I overnighted a {$4300.00} check to OCWEN and have it arriving and signed for at Ocwen. It always takes a week and after 2 weeks not hitting I called them. They lost the check and TOLD me NOT to make a payment until their investigation was resolved. Over the next 3 months they were doing an investigation and TOLD me not to pay until this was resolved. Once they told me to stop payment - a week later I mailed them the entire payment to ctach it up. The supervisor XXXX ( XXXX ) told me it would not go against me. Now they reported me late to all XXXX credit agencies. They will not call me back to resolves this. I have called numerous times as this is really adversely affecting my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: ID Analytics, Inc.
State: KY

Complaint narrative:
Im am in the process of disputing items that i believe to be incorrect on my credit bureau. Ive attempted to place a security freeze on my account with Sagestream and they continue to state they cant verify due to not being able to read the fax after three times. I then sent a certified letter to them to ensure that the information was clear and that they received it. I have left multiple voice messages with the company and havent gotten a return phone call. This is interfering with me taking care of serious issues in regards to my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-02 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: OR

Complaint narrative:
OVERVIEW : Ocwen Loan Servicing LLC failed to fully refund an over-payment on my home. The refund check was short by {$460.00}. 

FACTS : 1. Ocwen had serviced my home mortgage until I closed on the sale of my home on XXXX XXXX, 2016. 
2. An extra auto-payment of {$2600.00} was made on XXXX XXXX, 2016. The payoff amount declared by Ocwen was fully paid at closing on XXXX XXXX, 2016, so the auto-payment of {$2600.00} was an over-payment. 
3. I called Ocwen 's Customer Care number ( XXXX ) on XXXX XXXX, 2016 to inquire about a refund of the over-payment. I was told that a full refund check was mailed on XXXX XXXX, 2016. 
4. The refund check arrived on XXXX XXXX, 2016. The postmark shows it was mailed XXXX XXXX, not XXXX XXXX. The postmark is coincidentally the date of my inquiry. Furthermore, the check was backdated to XXXX XXXX, 2016. Finally, the check was only {$2200.00}, not {$2600.00}. Consequently, it was short by {$460.00}. 
5. I called Customer Care again on XXXX XXXX, 2016. I was told by Customer Care representative " XXXX '' that my complaint would be submitted to the " Refund Department '' and I would need to wait for up to ten business days to get a response. 

CONCLUSIONS : 1. Ocwen failed to promptly refund the over-payment. 
2. On XXXX XXXX, 2016, Ocwen made a fraudulent material misrepresentation that they had already mailed the full refund check on XXXX XXXX. 
3. On XXXX XXXX, 2016, Ocwen made a fraudulent material misrepresentation that the check was a full refund of the over-payment of {$2600.00} that I had submitted via auto-payment on XXXX XXXX, 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NE

Complaint narrative:
Having Problems with Ocwen loan servicing. The way they are servicing my loan I feel that they are forcing me into a default. My payment went up for the XXXX time in 3 months and this time it went up {$200.00} per month and they said it was because my insurance went up. Contacted my insurance company and it did by less than {$50.00} per month, not over {$200.00} per month. Talked to the on the XXXX of XXXX and requested info to be emailed to me for review and as of today no info sent. Talked to a rep and requested same info and all he could say was maybe its in your junk mail and when I mentioned CFPB the phone was disconnected. Please help me this this company. I do n't want to lose my home but the way they are servicing my loan it will have to go in default. Very poor customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc
State: AZ

Complaint narrative:
calling day after day even though I have tried to work with them to settle the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Centron Services
State: MT

Complaint narrative:
THis collection agency has put me below minium wage for the last year. They claim that because they though I was living with my mother that is why they took more. I have not lived with my mother for over 2 years. When I spoke to the judge he said he would look into the matter and get back to me. He never returned my call. Centon ( also known as ; Credit Systems in XXXX MT ) This collection agency now after my last payment ; have come back with medical bills from XXXX, XXXX and XXXX. I have asked for proof that these bills are mine. When I have asked for information in the past they have not sent it. They refused to lower my payment. Telling me how much I must pay. They sent the server to my work and say that I am served because they gave the notice to the payroll person. I have not received service. 
They called my mom and discussed my account with her. They say they will send documentation or forms for me and do n't. They say mail is returned when I receive mail ever day at my mailbox. 
I want them to stop harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: WI

Complaint narrative:
I inherited a home from my dad XXXX XXXX due that he passed away ; my dad still has a mortgage through Ocwen and because the acct was behind ; I was asking for a loan modification and to have the loan transferred in my name. In my opinion, Ocwen is the most unprofessional and display no empathy for a person at all. I submitted death certificate, transfer affidavit ( from atty XXXX XXXX XXXX, all my payroll stubs, tax information, etc. began to pay the mortgage and they continue to suspend my payments and stated that the information that I provided isnt good enough ; they are requesting a Will or letter of Administration. My dad didnt have a Will and my atty XXXX XXXX stated that what he provided is all they need but they insist that I go through probate and get a letter of Administration. I never seen a company that is so unorganized ; now granted my have authorization to speak with them regarding my dad 's account but they will not transfer the loan in my name and at this point I dont know where else to turn. I dont want to lose my dad house but I dont have {$7000.00} to pay out right to catch up on his loan ; but going forward I 'm so willing to take responsibilty but I need them to work with me. I 'm at my wits in because I have been dealing with this maddness for over 6 months. Is there anything you can do to help me resolve this issue. I would greatly appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: HW Holding, Inc
State: TX

Complaint narrative:
I have repeatedly asked for validation of debt from this reporting agency and this company will not comply with my requests .To my knowledge the original creditor is an apartment complex and I am not sure at this time what this bill is for .This is affecting my credit score and if I can not get a validation of debt please remove from all XXXX credit bureaus. Also do they have the right to charge interest on this type of account. I am not sure what else I can do but get a lawyer involved if this is not resolved. 

Last Reported XXXX XXXX, XXXX Collection Agency HUNTER WARFIELD INC Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XXXX XXXX, XXXX Closed Date -- Responsibility Individual Balance {$760.00} High Balance {$660.00} Remarks Account information disputed by consumer, meets FCRA requirements

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation