vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
ref : XXXX. 
On XXXX/XXXX/2015 I sent the claims package with the signed check to Ocwen, paid extra money to get the money returned to me overnight. Ocwen deposited the money and my statement shows the money applied as of XXXX/XXXX/2015. 
I have called XXXX XXXX 3 times and left messages without getting any return phone call. I started the work needed, had I not done that, I would have been flooded twice. 
Just how much time do they need to return some money ( my money ) to me. What is the proper procedure from here. This problem now is going on 3 years, enough is enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: OR

Complaint narrative:
OCWEN is reporting me as having two late payments but records show that I have not been late for several years on my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HW Holding, Inc
State: NC

Complaint narrative:
Hunter Warfield is reporting to the credit bureaus that I owe them {$2400.00} due to an old apartment lease I had with XXXX XXXX. I have written, faxed, and called them requesting a detailed explanation of the debt, because I do not believe I owe the apartment community anything. Unfortunately, for nearly two months now, Hunter Warfield has not bothered to respond with this information.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
I sent in my payment for XXXX 10 days ago and it has NOT cleared my checking acct as of this writing. This is very strange as I have never been late nor missed a payment in over 10 years.I believe they are sitting on it to make me look bad because I have NOT accepted their offer for a loan mod with a new lower payment. I have NOT accepted their offer because they refuse to explain the amounts involved and because they are mad at me for contacting the CFPB with a complaint. This is my second complaint to you. 
In my opinion, Ocwen is shady and unethical at best and a scam at worst. This is my opinion. They provide NO information to me after repeated requests. They stonewall and obfuscate. I do NOT understand why they will NOT provide me specific information on the loan mod they offered which I have NOT accepted as of yet. Please assist me in obtaining the required info or at least investigate them for unethical business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Ideal Collection Services, Inc.
State: FL

Complaint narrative:
XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX, XXXX, FL XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious IDEAL COLLECTION SER XXXX I have report your company to XXXX As a form of record and I am prepare to sue your company Example In re XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX, XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-09 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
I applied for a modification on my mortgage with ocwen back in XX/XX/XXXX. I am the sole borrower on the initial and present loan on my home. To this date, I have received the same modification agreement to sign XXXX times. Ocwen is requesting that I have my spouse that I separated from in XX/XX/XXXX, that is not on my initial or present loan/credit application for my home, a person that I have no information on his whereabouts to sign the modification agreement. I have spoken to an attorney who has advised that Ocwen does not have a legal right to request information on someone that is not on the loan/credit application. I asked my relationship manager, XXXX XXXX if I could have a direct number to the departlment that I could pose the question " regarding separated spouses and the how it would affect the modification agreement ''. He stated they did not have a direct phone number and that inquiries had to be emailed, which I think is not fair to a customer that has speculations on the information that they are being given about a particular subject matter. I also have concerns that my payments are not being posted correctly to my account. They are listed as supense payments. My concern is that since the payments are not being posted, and if the modification is denied due to my not being able to provide a signature from a person Ive been separated and not seen in 13 years, the interest and late fees are continuing to ballon and cause my payments to unaffordable. Im and 99.9percent sure there must be a clause that in the modification programs that applies to my particular situation but am not sure what it is. I also think late charges and interest compounded during this process should be waved. I have done my part as a consumer in signing the necessary papers as the sole and only borrower on my initial and current loan documents. Ocwen requiring information on someone that is not on the credit application is illegal. I have also read reviews how they have canelled the loan on customers that have requested help through available agencies. I hope this will not be the case. I hope they will be fair and understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called outside of 8am-9pm
Company: HW Holding, Inc
State: WA

Complaint narrative:
I moved out of my apartment on XXXX/XXXX/2016. I received a final statement by mail dated XXXX/XXXX/2016 which states that I have 30 days from the date of my move-out to pay my final statement. On XXXX/XXXX/2016 I start receiving automated calls on my cell phone from Hunter Warfield leaving messages that they are a debt collector attempting to collect a debt. Today, XXXX/XXXX/2016, I receive a letter via presorted first-class mail US Postage Paid XXXX bulk mail envelope with what appears to be a postmark of XXXX. This letter says that I am deliquent on my debt to my apartment complex which is not true. Their automated phone calls happen repeatedly, multiple times a day and at all hours, including outside of the XXXX and XXXX boundaries. They are predatory in their debt collection efforts and need to be stopped.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
Ocwen is not applying my weekly payments properly and are indicating my payment is past due. 
I have been making weekly payments on my mortgage as soon as i was able - the total amount has been applied to principle and " unapplied funds '' rather than being applied as described on their website where my autodraft was set up.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
My mortgage in currently serviced by Ocwen. I applied for a Modification and began making payments under a trial period in XX/XX/2014. After turning in at least XXXX separate financial statements, numerous documents that needed to be notarized, XXXX different account agents, and 10 months of payments I was served with foreclosure paperwork. I was told when I started the Modification Process that Ocwen would help me lower my payment and apply " capitalization of arrearrages '' to my loan to make it current as soon as my trial period was over. Now almost XXXX full year later, and {$12000.00} in payments I am told that I am 3 months behind and my modification will not be approved unless I pay {$3100.00}. I have called weekly and spoken with Ocwen about the status of my account, and was repeatedly told everything was fine and I was current on all my payments. Upon speaking with my agent today I asked what I was supposed to do as I do not have {$3100.00} and I was told the modification would not be completed because the investors would not approve it and that is all she could tell me at this time. I have done everything Ocwen has asked me to do. Completed every payment they asked me to make during the trial period, turned in all the paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14 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: Duncan Solutions, lnc.
State: DC

Complaint narrative:
Debt was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
I had a Shared Appreciation Modification Agreement with Ocwen. When I refinanced my house this year, conditions of the modification required that Ocwen would receive a percentage of the equity in the home. This calculation was based on the appraised value of the home, minus XXXX. I submitted documentation for XXXX and Ocwen added additional proof requirements not stated in the modification agreement, requiring they speak with the issuer of all receipts ( with places like XXXX this is nearly impossible ) and would not accept official receipts. I then actually met these additional and unreasonable requirements. Ocwen 's calculations reflected discrepancies in amounts, and denied receipts without explanation. Ocwen prevented me from speaking to the team that was reviewing expenses and doing the calculations. I received a payoff that was roughly {$1000.00} more than I should have paid. They denied several XXXX expenses, first claiming that I had n't verified purchase. This was false as I had to provide contact information for my receipts and verified with the entities in question that they had in fact verified my receipts. I had my attorney write a letter requesting answers to several errors in their calculations. Their response was only a letter stating they had already provided me this information, which they did not. I began my refinance in approximately XXXX and it was not complete until XXXX. The attorney letter and response took several more weeks. This is fraud. I need assistance forcing Ocwen to meet their contractual obligation under the shared appreciation modification to honor the documented expenses I provided, therefore lowering the money that was legitimately due to Ocwen by over {$1000.00}. They have been uncooperative and unresponsive. I have attached a spreadsheet itemizing the receipts I submitted for approval. I have noted where there were discrepancies and denial of expenses. I have summarized Ocwen 's calculations at the bottom, providing what I believe to be accurate calculation directly next to Ocwen 's errors. In addition, I have dozens of emails exchanged with Ocwen should they be required to resolve this issue. My belief is they violated the terms of the modification agreement ( I have attached a copy ) and committed fraud by denying me access to appropriate channels for resolution, consistently connecting me to staff that can not clearly speak XXXX which further prohibits resolution, deliberately adding additional requirements for documentation of expense in an effort to avoid crediting me for those expenses, unreasonable requirements for proof of payment that were not expressed in the modification, and unwillingness to provide clarifying information when my attorney inquired as to all of these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-03 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
OCWEN LOAN SERVICING, has illegally reported a pending ligation on my XXXX credit report. This loan is currently in the California courts for illegal and fraudulently tactics concerning the recent modification on my account. below is my XXXX report showing recent activity. 
OCWEN LOAN SERVICINGXXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXXAddress identification numberXXXXAccount numberXXXX .... 
Recent balance {$330000.00} as of XX/XX/XXXXStatusOpen. {$40000.00} past due as of XX/XX/XXXX. 
Date openedXXXX/XXXXDetailsYou requested that we add the following statement to your credit reportStatementLitigation Pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: SC

Complaint narrative:
failing to accelerate the loan prior to initiating a foreclosure action.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: HI

Complaint narrative:
I filed a complaint with the CFPB on XXXX/XXXX/15 concerning trouble I am having with my loan servicer, Ocwen Loan Servicing. In it, I detailed many problems I am having with their latest loan modification offer and gave reasons why it is totally unacceptable. ( Case number : XXXX ). Their loan modification gives me until XXXX XXXX to make my XXXX payment, but in their response to my complaint, they say they will not respond to it until XXXX XXXX, and to check back in as many as 60 days to see their response. As you can see, this is a problem, as in my complaint I have asked Ocwen to reconsider these XXXX terms and unsustainable monthly payment amount to something that is more reasonable. If they are unable or unwilling to respond to my complaint in a timely manner, than I ask that Ocwen extend the time for me to make my XXXX payment until XXXX XXXX, which is the same amount of time they are saying in which they will get around to responding to my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-25 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I had XXXX loans with Citi, a XXXX mortgage with Citi Mortgage and a XXXX ( HELOC ) with Citi Bank ; at the end of XX/XX/XXXX I had lost most of my income and business, my house was deeply underwater, and I applied for a re-structure of both loans, which were both assigned to the same loan counselor at Citi. At that time I was unaware that the HELOC described a farm property which I owned adjacent to my home, and not my home. Ultimately the loans were both re-structured, but the payments were not substantially reduced ; I could not make the payments and had to move -- I offered a deed in lieu of foreclosure, but Citi chose to foreclose the XXXX mortgage. In the process of re-structuring the loans, I had discovered the error in the HELOC description, and had requested a corrective security deed ; that request was referred to Citi 's " research '' department, which never responded. After many attempts to get the error resolved, in XX/XX/XXXX, I filed the attached Affidavit in Aid of Title ; in XX/XX/XXXX, I finally reached Citi 's foreclosure attorney and explained the problem ; he promised to " look into it and get back to me '' ; I followed up with the attached detailed written explanation, plats, the affidavit and copies of the XXXX mortgage instruments -- neither the attorney nor any of Citi 's representatives ever fixed the problem or got back to me. In XX/XX/XXXX Citi sued me on the full amount of the HELOC note ( and not the re-structured amount ) using the same law firm I had originally corresponded with. In my response to the suit and other filings I once again asserted that the lien was on the wrong property, but Citi has never corrected the error, I assume in an effort to gain advantage in their lawsuit. It is fundamental that a Home Equity loan can only be on a home, Citi knows that better than anyone, yet they continue to take advantage of an error that they are legally responsible to correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Ocwen - XXXX XXXX - Consumer Ombudsman 's Reply to Complaint # XXXX She states payment of {$24000.00} RECEIVED on XXXX/XXXX/15 " satisfied XXXX/XXXX/15? Payment & coupon were for XXXX 2015. She says the CHECK was returned " NO ACCOUNT '', NO DOCUMENTS attached. Ocwen 's Payment Reconcilliation History shows NO XXXX PAYMENTS RECEIVED, POSTED, or Suspense Balance. She said a {$100.00} fee was for default. MY LOANS have NEVER been in Default. Ocwen FAILED to POST PAYMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I disputed this debt which appeared on all 3 of my credit reports. On XX/XX/XXXX, and on XX/XX/XXXX, asking portfolio recovery to provide me with any viable proof of evidence with my signature I owe this debt. I pulled my credit report and still there was no comment regarding consumer disputing which is required by law. Portfolio deleted the trade line from XXXX, but not on XXXX, nor XXXX. Just recently, portfolio recovery updated the account as an Open collection on XX/XX/XXXX, for XXXX dollars. Portfolio recovery has continued to perform non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] Also Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts :

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
My wife and I worked on a refinance out of an OCWEN loan in to a new loan from loan Depot since XX/XX/2016. As the process neared completion XX/XX/XXXX, OCWEN has now refused to endorse the loan to a new lender and will not provide allonges in order to complete the process. Quoted response from Ocwen here : " I 've been advised by our legal counsel, that it is legally valid to prove ownership, and I have been instructed not to provide any allonges in case such as this one. I understand the lenders concerns, as I have heard this from a number of other lenders, however this is our position, and it is not negotiable. '' We are now told that the approved loan that has been delayed for months is set to expire in days with no rationale from OCWEN on why this is an issue at all as it endorsement it or allonge is standard procedure. I have asked numerous times for an update but have heard nothing from OCWEN.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: UMPQUA HOLDINGS CORPORATION
State: WA

Complaint narrative:
My home lone is With Umpqua bank Loan # XXXX, and they ordered Home insurance even though I verified my coverage of insurace with XXXX with Umpqua at least two times ( faxing them my insurance cover sheets. ) Yet they still ordered insurance on XXXX/XXXX/2016 in the amount of {$3300.00} and raised my payment amoung to pay the insurace, so I was paying XXXX insurance companies then I even called and spoke with an supervior with Umpqua on XXXX/XXXX/2016 and we did a XXXXway call, with My XXXX insurance representative, to verify insurance. and the representative from Umpqua said oh good fax/scann the insuracanve verification to us. which XXXX did while on line with my bank ... Yet still they added banks insurance to my loan account. 
This has cost me a financial burden. So Im refinancing my loan, and they are stating I own them the {$3300.00} more on thier payoff for the XXXX insurance. Which means I have to bring the added amount to escrow to close my re-fi loan. I have made numerous calls to have them make a correction, but yet they have not done so. 
This is not right and has hurt me, causing my loan payment to be XXXX/month more. 

Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation