vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
The pass XXXX years we have been dealing with the Lies we have been getting from Ocwen Loan Servicing, we Know are Bill of rights have been continually been violated! we have been sent a Loan Modifcation documents in the mail, and given instructions how to proceed with them .Then when we have filled out and faxed these loan doccuments as requested, Then when you are working whith them! Then Foreclosuer Action happen! So we never got a notice just at the the time we wher calling Ocwen tell us about sale date ,XX/XX/2015if you can please Help us? 
Thank you in advance, XXXX and XXXX XXXX XXXX, XXXXTo : Ocwen Loan ServicingFrom : XXXX and XXXX XXXXRe : Modification Loan Documents* * * * * * * * * * * * *Dear Sir or Madam : The attached documents are being sent via regular and certified mail to insure receipt of these vital documents. 
We feel our legal rights have continually been violated. We have been sent Loan Modification documents in the mail, and given instructions how to proceed with them. Then when we have filled out and faxed these loan documents as requested, and they are strangely not received. Then, while you are working with us to procure our modification, foreclosure action is being taken against us at the same time while in the middle of this loan modification process. This is highly unfair in reference to real estate law bill of rights. 
Please be assured that we would like to be given the opportunity to continue in the Modification process. We feel we can be successful in fulfilling a new loan contract. Please review our documents and allow XXXX days to complete without the threat of losing our home, according to the Stimulus Program that President Obama brought forward to save our home. 
Please give us your consideration, and we look forward to hearing from you as soon as possible since this is now time sensitive. 
Thank you in advance, XXXX and XXXX XXXXOriginal Sent Via CERTIFIED MAIL

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Deutsche Bank XXXX home loans, after repeated attempts to ask for a home loan modification due to high mortgage rate the bank kept refusing me. I submitted proof of hardships in ever occasion. My loan was bought by Deutsche Bank XXXX Mortgage from XXXX XXXX in XXXX. I lost my job and my income was reduced by over XXXX yearly. Todate this company has failed ot accomodate my hardship. I have owned my home since XXXX. I have been paying Deutsche Bank XXXX mortage the high rates of 9.75 %. I have filed for backrupcy to protect my home. I want lower rate and rembercment for years since first hardship sent XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
On XXXX XXXX, XXXX, I submitted to OCWEN a Escrow Termination Request. After calling Customer Service @ Ocwen, I was advised to write and forward the request in writing. 

On XXXX XXXX, XXXX I received a denial letter from Ocwen ( attached ) stating due to " HAMP Guidelines '' my loan had to be escrowed for three years. 

On XXXX XXXX, XXXX, three years later, I submitted another Escrow Termination Request letter. Again, I was denied, stating due to " HAMP Guidelines '' my loan had to be escrowed for five years. 

After several calls, complaints to XXXX, Obudsmans office, I was finally told by the Obudsman office that it is not a HAMP guideline but an OCWEN guideline that they are enforcing. 

My concern is the fact that OCWEN continuously states it is a HAMP guideline when it is not! What OCWEN is claiming to be HAMPs guideline is : " The account must be escrowed as a requirement, and the escrow account may be waived at the servicer 's discretion. '' This is not stated in my terms and conditions as " guidelines '' to my loan. 
Being waived at the servicer 's discretion has no time frame on it ( 3 years or 5 years ). My concern is at the 5 year milestone, they could deny me again with another stipulation. I believe this is unlawful. 

I meet all of the qualifications of an Escrow Termination. 
1. The account must not be delinquent within the last 12 months. 
2. The current loan to Value ratio must be less than XXXX % 3. The escrow balance must not be negative 4. Taxes and Insurance must not be due with the next 45 days 5. The account must not have an active Lender Placed Insurance Policy 6. If waiving tax escrow, all tax lines must be waived, Similarly, if waiving hazard insurance escrow, all hazard lines must be waived 7. All waiver request mush be received in the form of a written request from the borrower. 
If you could PLEASE assist me in terminating this escrow account, it would be much appreciated. 

Regards,

Company response to consumer: Closed with explanation
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:
My name is XXXX XXXX, I have requested a short sale from Ocwen and I am being foreclosed on, due to their failure to allow me to continue with the short sale, my broker has received an offer and the whole short sale package was sent to the bank and they keep denying that they received it. 
We are now going into two weeks of back and forth with them and they have put a foreclosure sale date for XXXX XXXX even though there is an offer in place and buyer, but they refused to postpone it aside from that they refuse to do a interior home appraisal to take into consideration the value because they have over valuated the property other properties in better condition than mine and so they are saying that the offer they assume is to low I need someone to get involved although I talked with managers there intentionally for closing on my property without allowing me to finish the short sale with having an offer in place this is been going on for several weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
This Complaint is against OCWEN, Loan Servicing, LLC for failure to foreclose on a residence property. 
I vacated the residence in Virginia in 2009. Originally, XXXX XXXX XXXX had the loan but then it was conveyed or sold to OCWEN, LLCDue to a divorce in 2009, I was required to pay {$2700.00} per month to my ex-wife. I could no longer pay my mortgage payment. For the past 6 years I have attempted to short-sale ( 3 times ), then for the past 3 years have attempted to utilize services related to Deed-In Leiu of Foreclosure to no avail. All theses liquidation attempts were made through Ocwen services. 
Impact to my life : I am a homeless veteran that can not obtain credit or use my VA home loan to re-start my life because OCWEN is showing that I have an active loan on my credit report. Bottom line : Ocwen will Not foreclose on property.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Ocwen sent a letter dated XX/XX/XXXX that states foreclosure proceedings were initiated against our property on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
Ocwen sent my home into foreclosure in XXXX XXXX. Long story short, I paid it in full at the end of XXXX XXXX in the amount of {$22000.00} via wire. The amount needed to cure my mortgage was {$22000.00}. After that, I had no late payments and was not notified of any fees. When I pulled up my XXXX XXXX statement there was {$200.00} in " Past due fees/ other charges. '' I called Ocwen in XX/XX/XXXX and they did not know why the fee was on there since I paid XXXX the cure amount and had no late payments after that. They said they were sending it to their research department and would email me with the result in 10 days. I called today ( XXXX/XXXX/XXXX ) and spoke to operator # XXXX. He told me that Ocwen emailed me on XXXX/XXXX/XXXX with an explanation of the fees but I can assure you I received no such email. I 've been monitoring my email very closely for that letter because I 'm in the process of selling the house and moving into a new XXXX - I needed the letter to explain why there were fees and when they would be removed. During the foreclosure process ( which was sketchy at best ) Ocwen assessed me with XXXX " Property Inspection Fees '' totaling {$270.00}, all dated XXXX/XXXX/XXXX. They never came to the house and XXXX fees is very questionable. I 've attached that history so you can see all the fees/ charges we were assessed. I 'll also attach the XXXX XXXX statement where I noticed the {$200.00} that Ocwen is claiming was for processing after I had XXXX cured the mortgage. I do n't receive letters they claim to have sent, I can never get an answer when I call them, they wo n't remove fees that they never told me about and make no sense, and trying to understand anything with them is impossible. I am hoping you can help me by reviewing the fees I was assessed and by forcing Ocwen to return any unfairly assessed fees to me. In addition, I filed for a loan modification XX/XX/XXXX with them ( I may be wrong on the month ). They never wrote me or advised me of their decision. When I called they said it could take up to 6 months. I never received a decision or a loan modification. I 'm at my wits end with them and I truly do n't know how they are able to legally operate a business in this country. I would truly appreciate any assistance you can give me because trying to work with Ocwen themselves is impossible. Thank you in advance - I am glad you 're there to protect consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MO

Complaint narrative:
I have been logging complaints against Ocwen since XXXX and still my issue and those of at least XXXX other individuals have not had closure with this inept and corrupt company. How long will they be allowed to stay in business and disrupt peoples lives? Their stock continues to drop like a rock. I believe at the time I registered my first complaint, OCWEN stock price was approx. {$60.00} per share. As of right this minute it is trading at {$1.00}. How long before this company is de-listed and sent packing and those who run this company sent to jail? And when will all those people who have been ripped off be compensated for their losses because of this company? 
Again, in my case they have been/are in collusion with XXXX XXXX XXXX XXXX. and their legal representative XXXX XXXX. They were attempting to sue me for approx. {$35000.00} dollars and then settled with me, out-of-court for approx. {$5000.00} and then went directly to Ocwen and received money from them without my knowledge. Then as recent as a couple of month ago in XX/XX/XXXX and STILL do this again for approx. {$7000.00} which OCWEN paid them ( XXXX ) even though this has yet to be rectified. 

I do n't know what else to do/say. Ocwen, should until this gets resolved at the very least, be banned/bared from foreclosing on anyone else. 
As usual I am afraid OCWEN will go under before they can pay me or anyone compensation for all their wrong doing. They are attempting to foreclose on me again ( this is about the 3rd time ). This needs to be stopped NOW. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I purchased this home as my principle resident in XXXX with another lender, shortly after closing Ocwen became the servers of the note. In XXXX XXXX I made arrangements to pay my XXXX tax in monthly payments of {$260.00} with the Tax Assessor office. Later I get this notice from Ocwen that they have paid my tax for XXXX and XXXX. I told Ocwen of my payment arrangement and that my XXXX tax was not due. They created an escrow account to pay my tax and ins. I never had an escrow account during the life of this account. My mortgage payments went from XXXX.to XXXX in a pass due notice date XXXX/XXXX/XXXX. I never stop making my monthly payments of XXXX. Each time I would may a payment they would suspense the payment instead of applying to the loan. Ocwen called me about this late payment I paid over the phone and again on line thru my on line banking resorting in an over payment in XX/XX/XXXX. The record show I send my XX/XX/XXXX payment on XX/XX/XXXX Ocwen rec 'd on XX/XX/XXXX.. My current statement dated XXXX/XXXX/XXXX show an increase in payment from {$670.00} to $ XXXX.due to an interest increase from 6.60200 % to 7.25000 % with no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I am complaining about OCWEN loan serving. My loan was sold to OCWEN in XXXX XXXX. My first payment was sent to them on time. Two months after they send me a notice stating the previous lender claimed I had not made the last XXXX payments. I sent copies of cancelled checks, and bank statements to prove I had paid them. They send me a letter stating they were satisfied. Two months later they start all over. I sent them again. Then they came back claiming I owed money from a bankruptcy chapter XXXX. I had the trustee from Texas send them information stating I had satisfied all paid money due to previous mortgage company, and nothing was owed. I was then sent in XXXX XXXX a foreclosure notice with a date to sell off my home in court the following month. I haired an attorney to stop the motion, and he immediately sent a no trespassing order, and tried for months to communicate with OCWEN. I even set up bi-weekly phone calls with OCWEN to try and resolve the matter. Then suddenly they state I owe XXXX from my XXXX mortgage, because they were posting payments to my second mortgage for 8 months. They reversed it back the my XXXX mortgage, but also took escrow to pay insurance and taxes first even though I had been paying entire note with escrow fees for both XXXX and XXXX mortgages. The attorney removed himself from the case and gave my money back. OCWEN offered loan modification but I did not qualify, and they would not refinance my loan. I still fought with them. In XXXX XXXX they started refusing payments from my XXXX mortgage and was threatening foreclosure again. They told me if I paid the XXXX I owed they would stop it. I hired a real estate attorney, and he stopped proceedings. The XXXX court hearing that was set up and they were certified notification they did not show up and it was rescheduled and then cancelled again. I have spent XXXX in legal fees and nothing is being accomplished. Before all of this started I was in the process of refinancing my home, I was paying around 22 percent interest, and was going to get a 4.5 % rate, but because OCWEN claimed I was behind 3 months I could n't get it refinanced. I am trying to sell the home, and they agreed to let me, but now they want me to start paying some bogus amount till I do. I filed for chapter XXXX to keep my home after Hurricane XXXX, to provide a roof over my college age daughter expecting a child, and myself. I paid everything back that was required from me. I bought the home in XXXX for XXXX, and now owe XXXX. In reality I should owe around XXXX on the home. This has been nothing but stress, and nothing is being resolved. My advice to anyone is if your mortgage is sold to be serviced by OCWEN you better get away from them. I have paid XXXX for a house I am being faced with losing. These people get away with this. Not only that they will not post payments for days after they receive them when paid in

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: First Associates Loan Servicing LLC
State: IN

Complaint narrative:
I attended XXXX XXXX XXXX from XXXX. I am now {$47000.00} in debt with both federal and private loans. I was told that my private loan company PEAKS was owned my XXXX XXXX and they have been sued this past year. I do not understand why I have to keep paying {$200.00} a month to this company if they are owned by the school that was shut down for fraud. XXXX XXXX also lost it 's accreditation recently. So XXXX XXXX was shut down for fraud and they are no longer accredited, but they expect me to keep paying both my federal and private loans for a degree that no longer even means anything. That {$200.00} a month is just the amount in private loans. I owe over {$8000.00} to PEAKS private loans and over {$33000.00} to XXXX Federal loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: UMPQUA HOLDINGS CORPORATION
State: CA

Complaint narrative:
Case number XXXX They still won ' give me my money. I can not do what they ask it is impossible. Please help me to the next step so I can get My money Back. By the way I called them to get specific information on my loan they said they understood what I wanted but kept sending the wrong stuff. They were rude and being difficult on purpose. I needed the part in the contract that says that if XXXX XXXX or should die the house automatically goes to living person.. I gave plenty of information to them about his death and that my name was on it. They are harrasing me. The person, XXXX XXXX XXXX call any one about his death and she will not cooperate with me. Do I have a legle case to persue or is Umpqua Bank going to be able to still my money. AS i said once before I will sue for harrasement and theft.

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 2016-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Revenue Recovery Corporation
State: KY

Complaint narrative:
I originally was contacted via phone by a payday loan office calling for an XXXX? I figured they would get the hint when they called my voice mail the message says XXXX, NOT XXXX, that they would figure out they have a wrong number. Now I have a collection agency calling me at least once a month. I never went to or took out any loans with any payday or quick cash establishments. XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2015-04-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I was offered and accepted a Shared Appreciation Modification from Ocwen. The modification documents they provided me to sign, stated my interest bearing principal balance would be equal to the current value of my property at the time of the modification. At the time of the modification my property was valued at approximately {$700000.00}. The modification documents stated the value of my property was {$840000.00}. When I confronted XXXX XXXX XXXX, my single point of contact at Ocwen he told me that Ocwen was offering me the modification as typed and would not make any correction related to the value. He told me if I wanted the modification I would have to accept it as is by the due date. I have honored the letter and the spirit of the agreement but Ocwen has not.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
Ocwen has serviced my mortgage for the past several years, succeeding GMAC when GMAC sold its assets in bankruptcy. In the past few years I have received several communications from Ocwen that appear to be attempts, surreptitiously or by threat, to extract money from mortgage-holders beyond the amount payable to remain current on your mortgage or escrow. These include : 1. Sending notice that Ocwen is increasing the customer 's monthly escrow payment ( and correspondingly the mortgage payment XXXX to purchase property-casualty insurance to insure the property securing the mortgage, despite the property-owner already carrying the necessary coverage. When confronted with this fact, Ocwen representatives claim that they have no record of the existing insurance, despite receiving documentation from the customer and the customer 's insurance provider. I receive essentially the same letter every XXXX for several years, despite carrying the same policy from the same insurer from the date I purchased my home. 
2. On XXXX XXXX, 2016, I received a monthly statement from Ocwen stating the amount payable on the mortgage XXXX XXXX, 2016. I paid that amount during the requisite payment period ( prior to XXXX XXXX ). I have since received numerous calls from Ocwen " attempting to collect a debt '' stating that the amount of my monthly mortgage has changed and the amount stated on the XXXX statement was incorrect by {$72.00}. I have not received, nor can Ocwen identify sending, a statement with the different, larger amount stated on it. Nonetheless, I have received almost daily calls attempting to collect this amount. I have notified Ocwen representatives several times that I have never received, nor, as they acknowledge, has Ocwen sent, a written notice or statement identifying the higher amount. This would appear to be both fraud, and an unlawful attempt to collect a debt.

Company response to consumer: Closed with explanation