vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I bought a condo with XXXX other people ( Husband/wife ) 10 years ago. 
They divorced and he declared bankruptcy. The property was quit claimed over to me. I have been making the payments on the loan on my own for approximately 6 years. The lender/servicer is OCWEN. I have called them numerous times and spent hours on the phone with them. I have sent them the quit claim 3 times. It takes FOREVER to even be able to speak with someone, as they say can not find my name on the loan. I have never received a XXXX mortgage interest statement in the entire 10 years that I had the loan. The loan does report to the credit bureaus. I have recently refinanced this loan, so it is now closed. There was a refund check issued and it is made out to the borrower who declared bankruptcy and quit claimed off the property. I have called OCWEN again and am now being toold I need to send a letter to the research department as they once again can not find any of the documents that have been sent to them multiple times. Again, this problem has persisted for over 5 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: IN

Complaint narrative:
OCWEN FAILED TO SEND US CLAIM FORMS OR CARDS AS PROMISED. THEY TRIED TO FORECLOSE TWICE FROM XX/XX/XXXX-XX/XX/XXXX THIS LOAN WAS A XXXX, XXXX XXXX XXXX FRAUDULENT MORTGAGE IN XX/XX/XXXX-XX/XX/XXXX/XX/XX/XXXX WHEN XXXX XXXX GAVE US OCWEN TO COVER UP IN XX/XX/XXXX AND NEVER RESOLVED THE MORTGAGE FRAUD XX/XX/XXXX-XX/XX/XXXX. PLEASE HELP! 
LOAN NO.XXXX

Company response to consumer: Closed
Consumer complaint received 2016-12-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: OH

Complaint narrative:
I have an unverified account from HWARFIELD. I had previously disputed this account. I have never done business with HWARFIELD. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that HWARFIELD Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that HWARFIELD Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: MN

Complaint narrative:
We are the law firm that is retained by the borrower to assist with the short sale of their property. The 1st mortgage is a payoff, XXXX is being shorted. File was submitted to Ocwen the 2nd lien holder on XXXX. On XXXX was advised that we were waiting for decision to the approval, XXXX under final stages of approval decision with in XXXX to 48 hours, XXXX file still under review, file was escalated, XXXX file escalated again waiting for evaluations to be received, XXXX file escalated again, XXXX still waiting evaluations, XXXX still waiting for values, XXXX XXXX is attempting foreclosure due to lack of Ocwens review and still pending valuation, XXXX still waiting evaluations, XXXX still waiting valuations, XXXX still waiting evaluations, XXXX still waiting evaluations. This is unacceptable Ocwen has been lagging with this file. It should not take over 30 days for Ocwen to provide the approval for this short sale due to the incompetency of Ocwen the file has now been submitted to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
When GMAC Mortgage went bankrupt our loan was assigned to Ocwen Loan Servicing LLC . Ocwen serviced the loan from XXXX XXXX, XXXX through XXXX XXXX when the loan was assigned to XXXX XXXX XXXX. 

Ocwen Loan Servicing is reporting account number XXXX as a conventional real estate loan with a payment history from XXXX XXXX through XXXX XXXX. Ocwen was not then lender at any point in time. They were the loan servicer for a only 6 months. 
The Office of Personnel Management ( OPM ) had a cyber attack ; I received " cyber security '' that allows me to review information on the credit reporting agencies. 

My wife and I went through Chapter XXXX bankruptcy ; the discharge was in XXXX of XXXX. 

Ocwen is reporting late payments on discharged debt post bankruptcy from XXXX XXXX through XXXX XXXX to XXXX and XXXX. 

Ocwen is reporting late payments prior to when they were the loan servicer to XXXX. Negative payments are reported from XXXX XXXX through XXXX XXXX. GMAC Mortgage was the loan servicer during that time and the loan information already appears on our credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
My loan is serviced by XXXX but the owner of the note is US Bank, N.A. as trustee for XXXX XXXX XXXX XXXX. All along, XXXX states to me to send in a modification package then 5 days later they say sorry the owner of the loan does not participate in loan modifications at all. Im so sorry I know I am XXXX and do not speak english good but there is laws in California regarding they need to review my financial situation and give me options to foreclosure, they say to me pay off the loan, that is your option. XXXX is stationed in XXXX and owner of the loan does not participate in modification, so theses people are allowed to not comply with California laws. This is unfair that the owner of the note hire XXXX ( a complany in XXXX ) to tll us Californians sorry you and your family are going to be homeless. I want to pay my mortgage I have ability to pay, please help me to stop the owner of the note from hiding behind XXXX and not complying with Ca laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MO

Complaint narrative:
Once again, I have filed numerous complaints concerning Ocwen and still they have not responded to my direct issues. They have not given me my deed to my condo free and clear and have not reimbursed me for the {$25000.00} they paid my condo association while we were still in litigation and nothing had been settled. Ocwen is still a mortgage collection company that has disrupted many lives not just mine. They need to be stopped and pay for their wrong. They can start with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
I have my original mortgage ( XXXX ) contract which states " once I reach 80 % of my original contract amount, I may terminate my PMI '' My original mortgage company was XXXX went out of business & sold all of their loans ( including mine ) to Ocwen loans. It has been a nightmare since I have been with Ocwen ( Ocwen bought my loan in XXXX ' XXXX ). Ocwen had sent me a letter of cancellation of PMI and its requirements. I met all of its requirements and they told me I need a new appraisal of the current value of the house. I got the newer appraisal ( XXXX ) Even though the original contract states 80 % of the original value ( {$130.00} ) they ( Ocwen ) denied my cancellation. My new value is {$100000.00} and they are not going by the original value. I have sent a copy to Ocwen of my original contract and a copy of there letter, which both state the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: CA

Complaint narrative:
Communication Tactics may also apply. 
Made an attempt to pay off an eviction claim from XXXX by calling Hunter Warfield. Since I am trying to pay off a huge student debt and all of the costs associated with being evicted due to health problems that started in XXXX, I offered {$50.00} a month. The representative said that this was good and that after the first year they would re-evaluate my case and see if I could pay more or possible give an offer to charge off. The phone call was interrupted and mysteriously dropped. When I was able to speak to them again I was told the {$50.00} would not work and it would take ten years to pay off and that I could send payments in to an address at XXXX florida XXXX To Account # XXXX. But that was it. No cards, no bank routing number, no agreement of any kind. This not only seemed like a " bait and switch '' tactic but it also left me with a sense that the representative was trying to squeeze more money out of a budget that does not even allow me to keep a roof over my head in my own name. I am extremely concerned that there would be no paper trail as I currently do n't have checks.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
Ocwen is holding my shortsale hostage. deactivated and replaced payoff quote with same dates and {$3000.00} in extra fees days before closing. 
Approved for sale with first lender ( Ocwen ), and shortsale with equity line holder ( XXXX ) since XXXX, I got a payoff quote from Ocwen and am set to close this Friday XXXX. Today Ocwen deactivated the valid payoff quote and replaced it with another payoff quote adding {$3000.00} in extra fees, knowing that I will have to go to foreclosure if I can not get to closing before they bill me for another cycle of fees. Reading up on this practice, I discovered that Ocwen recently lost preditory lending suits, but is still abusing debtors in distress, and then suing them after they close for more money. Ocwen refers me to the Law Firm XXXX to make requests for fee reduction, and XXXX refers me back to Ocwen - a cycle completed 3 times in less than a week. Closing in on Friday. I need help. 

Law Offices of XXXX : XXXX and XXXX XXXXXXXXXXXX XXXXXXXXXXXX Ocwen Foreclosure Dept : XXXX option XXXX ext XXXX Ocwen Customer Service : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I fell behind in my mortgage payments due to a XXXX. I continuously called the Ocwen loan servicing for assistance. I was told to continue making the payments when I could. In XXXX 2016, I called Ocwen and was told in that my payment was 90 days past due, nothing could be done. I explained to the rep that I was calling for months. It was noted on my account of the calls to different reps. I was told 'sorry '. In XXXX, I was told XXXX was due to bring my mortgage current. I sent he overnight payment of XXXX on XXXX XXXX. USPS delivered the overnight payment on XXXX XXXX. I checked my account on XXXX XXXX and I was told the payment was received late and now my new payment was XXXX by XXXX ( relationship manager ). My XXXX payment was returned to me. She advised that payment must be sent by the end of XXXX 2016. I was also told to send the late payment to avoid the payment being returned. On XXXX XXXX, I sent a XXXX cashiers check to Ocwen. USPS delivered my check on XXXX XXXX at XXXX hrs. Prior to sending the check, I called and the operator validated that XXXX was the correct amount. The operator updated the account stating my required amount and that I was sending it on XXXX XXXX, 2016. On XXXX XXXX I called ocwen and was told by operator XXXX that my payment was not received. I called USPS and was told the packadge was delivered and signed for by 'XXXX ' on XXXX XXXX, 2016. I called back Ocwen on XXXX XXXX, XXXX and spoke to operator XXXX. He advised me the payment was received and the reinstatement was being processed. On XXXX XXXX I called Ocwen again - spoke to operator XXXX-and was told the payment was not received and XXXX was due immediately for reinstatement. I explained all of the aforementioned information. After going back and forth on this call, the operator told me the payment was received on XXXX XXXX, 2016 but not applied. The operator could not tell me why and seemed puzzled. I was transferred to the escalation manager, XXXX. XXXX XXXX tried to assist me, but could n't explain why the payment had not been applied or why my account was not reinstated. I have yet to find out what 's going on and I am deeply concerned. I do not want a foreclosure on my home. Owen has my reinstatement payment for almost 2 weeks and no one can tell me what 's going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
For over 14 months Ocwen has had my misdated letter claim and refuses to process. 
Why have Ocwen senior management teams not had criminal charges filed against them. 
They have wrongly reported me as delinquent when I have a letter on Ocwen letterhead apologizing that for 3 years they failed to open a XXXX file which was in effect when they took over from Homeward Residential. My loan mod paperwork was lost time and time again. They refused to complete the loan modification since they could not find income verification paperwork. XXXX staff are XXXX and can not read XXXX. The executive committee are worthless as is office of Ombudsman. My home was scheduled for foreclosure in XXXX 2014 due to their error. I hired XXXX another bogus scam firm to get Ocwen to remove inaccuracies on, credit reports that are over 10 years old and the statute of limitations has expired. Month after month Ocwen continues to report incorrect information and XXXX is worthless. Yet ocwen continues to fail to remove these credit bureau reporting inaccuracies. I have complained to CFPB several times before with no results. Interest rates went as high as 18 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
My GMAC loan was transferred to OCWEN. I was approved for a HAMP modification by OCWEN but found the documents questionable. Interest and fees were added to my principal amount on the modification, unexplained, that further put me upside down, increasing my monthly payment. They tried to say I owed more trial payments even though I made the XXXX agreed payments inflating a trial mod due amount to {$4400.00} based upon XXXX trial payments. Upon questioning the amount and stating that I was not owing add'l trial payments, they have quit sending monthly statements altogether and made no further request for additional trial payment amounts. Arrears and all fees, interest due, etc. were paid in full by my Bankruptcy trustee. I have sent them many copies of proof of this. I requested explanations of modification Principal Balance, fees plus interest added and have been given several contradicting explanations and a breakdown only. They are pushing me to sign a contract where I find the amounts questionable. In the meantime, there have been no monthly statements to insure I am sending correct payment amounts on my current loan agreement ( interest only loan ) which can change due to escrow, or to show how my current payments are being applied. OCWEN is hindering my ability to pay my current payments and insure my account is in good standing until there is a resolution of the proposed modification agreement that I have not signed due to questions. I am unsure if the amount reported to the IRS by OCWEN for interest paid is correct ( interest only payments made vs. what was reported differ ). They have attached a late fee to my mortgage when I have been on time with payments. They returned a payment and claimed ignorance even though they changed the address to ( of which there are many ) send payments to. I was still able to re-send ( with my banks assistance ) my payment before the XXXX of the month deadline and their own documents show it was processed before the XXXX. There is no office to go to, only a call center in XXXX. I have sent inquiries and documents to their recommended RESEARCH Dept. by certified mail. I have received breakdowns of amounts added, but no explanations of how/why they are calculated or applied. The amount of documentation I have is so large, I would not be able to upload it all since this has been ongoing since XXXX XX/XX/2013 but I will download a good portion. I am filing a complaint with the Attorney General 's office in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Consumer Finance Financial Protection Bureau Re : Fraudulent handling of escrow funds complaint : Ocwen Home Loan LLC Act XXXX Dear Sir or Madam, On XXXX XXXX, I received a letter from Ocwen Home Loan LLC Insurance department advising XXXX had canceled my policy and their intention of imposing lender-placed insurance. I contacted XXXX who advised they did cancel the policy for NON-PAYMENT. 
Upon learning of the non-payment, I checked my online Ocwen mortgage loan account records to find Ocwen reports they paid XXXX {$3700.00} out of my escrow account on XXXX XXXX for a policy good thru XXXX XXXX, XXXX. ( copy attached ). 
Proceeding thru my Ocwen account records I searched for escrow disbursements for the date range of XXXX XXXX XXXX thru XXXX XXXX XXXX. I did not find a record that Ocwen indeed paid XXXX for my policy as they fraudulently reported paying after deducting {$3700.00} deducted from my escrow account. 
I am requesting the assistance of the Consumer Financial Protection Bureau in getting Ocwen to return the {$3700.00} to my escrow account and dispersing a check to XXXX for {$3700.00} to pay for the homeowner 's insurance policy on the property. 
Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
About XXXX years ago I tried to modify with the company Ocwen Loan Servicing. They put me in varies programs and asked me for more information it took about XXXX months to tell me that I do not qualify and the principal of the house when up.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
I am being foreclosed on XXXX XXXX 2015 and Ocwen will not accept my Loan Mod documentation they direct me to email to XXXXXXXXXXXX but the email does n't work every time I send a email it bounces back and reject the documents that ocwen requires to approve a loan mod which means they wo n't even consider the loan modification

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: LA

Complaint narrative:
I have a mortgage with Ocwen Loan Company. I have had issues with Ocwen in the past - mostly due to the fact that their workforce consists of people who do not have a command of the English language. 

I take care of my XXXX father and he has been in and out of the hospital. He is well right now and I am slowly going through mail. I discovered an escrow refund check dated XXXX/XXXX/15. I can no longer cash the check. When I have discovered checks from other companies that have expired, the company that issued the check is very happy to re-issue the check. I called Ocwen to please re-issue the check or apply the amount to my loan, they stated that they probably would not and it would take a week to investigate whether they could re-issue a check or not. I do n't understand why this! First, they gave the reason that my credit score was not good. My credit score has actually improved since 2015! Then they said the lowered my payment. My payment went down by XXXX dollars! That is not enough to make up the difference of {$610.00}

Company response to consumer: Closed with explanation