vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I 'm a XXXX XXXX veteran, I applied for a modification to keep my home in which the VA is the gauranter. I feel they turn me down unfairly, I feel they did n't even try. They reveal to me that they went by a scale to determine my financial ability which I do n't think they considerd the details of my modification. Can I request your assistance with this matter? This is my XXXX home an I want to keep it but, I do n't feel I 'm getting a fair chance. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Stolen identity from a stranger.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-06 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: SC

Complaint narrative:
My loan servicer is Ocwen. Since they bought me from XXXX, my life has been a living XXXX. They shined me on during the XXXX modification process, kept telling me they did n't have my Dodd Frank form that I sent them XXXX times, gave me a trial mod and had me make payments while all the while reporting me late to the credit bureaus, and then finally, illegally foreclosing on me while I was in a XXXX. I went to court, fought them off, and got a load mod. They made me do trial payments again, stalled for 8 or 9 months in getting me my new paperwork, but did reduce my payment to $ XXXX/month. They settled with this in house mod, and now, I am facing foreclosure again, because they lost a payment! There 's no winning with these folks! I have proof they not only got that payment but cashed it. And they have reported me late again to the credit reporting agencies XXXX times since the cashed payment went missing, which ties my hands from being able to refinance with anyone else. They made and end run around federal oversight in the XXXX place by stalling my Hope for Homeowners applications, then again with the in house modification. They made me waive my trial by jury rights, and sign a confidentiality agreement. And now, with this new fictitious lost payment, they already have committed mail fraud XXXX times by reporting me late for a payment they cashed ... ..why is no one going after these guys for XXXX violations? They were already found in collusion with XXXX for force placed homeowners insurance plans that were sold at inflated costs. 
And my {$1000.00} payment? 20 months later and right back up to {$1500.00}, because now I 'm being forced to keep XXXX my escrow costs in the escrow account. 
Do n't make a deal with them. You 'll end up in court again, as I am going to be soon. They have no intention of doing anything except steal from their clients as much as they can. 
Also, the new regulation they are supposed to assign you XXXX person as a point of contact in loss mitigation? Yeah, they do n't do that either. Yet they have XXXX of folks calling me XXXX a week for months to harass me. 
The only thing that their confidentiality clause did was keep me from talking under risk of immediate foreclosure. Guess what, illegally foreclosing on me again is n't likely to persuade me to not talk. I 'm in south carolina. My county has been suing them too, and winning. This company is a collusive criminal enterprise being sued and losing in multiple states. The federal government must step in and put a stop to this!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
I am in the process of a modification and want to express my gratitude for the opportunity without the unnecessary additional cost of litigation. Before the process, that was a long and drawn out experience to begin with, I sent all the necessary documents and was approved for a trial period. 

Before I agreed to do the trial period, I specifically asked whether or not a ballon payment would be included. It was explained to me that there was not going to be a balloon Payment as part of my modification. During many recorded calls, I explained I would not accept the Modification if it included a balloon payment as it is not financially possible for me to do so. Ocwen 's employees told me numerous times on the recorded conversations there was no balloon payment included in my modification offer. After timely making the trial period payments, I received the motivation documents which I was surprised to see included a required balloon payment of over {$34000.00}. 

This seems to me to be a violation of the Truth in Lending Act ; as well as, purposeful misrepresentation to obtain my trial payments with no real intent to offer a feasible modification. 
Originally, Ocwen told me in order to qualify for a modification, I must be behind on my mortgage payments and suggested I purposely miss payments. Since my house is underwater, I was unable to obtain a refi. After calling Ocwen to try and fix the issue, I was told I should just catch up and there would be no further issues. Because of Ocwen 's promises, I paid over {$5000.00} to Ocwen in order to get the modification. 

After my call of XXXX XXXX, 2015 to discuss the mistaken requirement of a balloon payment, Ocwen said they would review the tapes and see if I was told there would be no balloon payment but that the modification had to be accepted ( with the balloon payment ) no later than XXXX XXXX 2015. 

I do not believe Ocwen will have the time to properly review our previous telephone conversations before the modification offer expires. Therefore, please confirm in a responsive writing that Ocwen is in fact reviewing the recorded conversation and that the modification offer expiration date is continued until the investigation is properly concluded. 

Thank you for your assistance and I look forward to resolving this issue without involving my attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
My mortgage is currently serviced by Ocwen. Ocwen modified my mortgage loan in 2012 and reported a principal reduction of XXXX to the IRS. However, Ocwen never reduced the principal on my loan by {$220000.00} ... .they simply report that amount as a " XXXX waived balance '' ( see attached ). I was advised by Ocwen that even though they did not reduce the principal of my loan, the IRS advised them it was " OK '' to report the loss. Since I received a XXXX income statement for XXXX, it has caused major issues with my tax filings, due to the extreme income adjustment. Ocwen has refused to reduce the principal balance of the loan by {$220000.00}, even though they have reaped the benefits of the IRS tax write off. Clearly, Ocwen has violated Federal IRS Tax Code and is guilty of financial fraud. Ocwen has also issued forced placed hazard insurance ( HOI ) at {$3500.00} per year, which is very extreme based on the current value of the property. Ocwen has failed to prove up the force placed insurance policy, even though i have requested it on numerous occasions. This serious increase in HOI has bumped my pushed my escrow up to {$430.00} per month ( see attached ). Furthermore, the current HOI has refused to pay for the serious plumbing repairs that are covered in normal insurance policies. Overall, I feel cheated and deceived by Ocwen, so I am seeing your assistance on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
XXXX XXXX, 2016 XXXX XXXX XXXX XXXX XXXX MI XXXX XXXXXXXXXXXX XXXX XXXX XXXX REFERENCE Ocwen Response to CFPB On Friday, XXXX XXXX, 2016 XXXX XXXX , Consumer Financial Protection Bureau XXXXXXXX wrote : The company has provided a partial response to your complaint number XXXX describing the steps taken so far to address your issue. They stated they are still working on your issue, and you should hear from them again within 60 days. 
Case number : XXXX Status In progress Response Ocwen is currently researching the matter and will provide a response within the allotted timeframe. 

Case number : XXXX The response to Case number : XXXX by Ocwen Loan Servicing , LLC, [ " still working on your issue, and you should hear from them again within 60 days '' ] on a lawfully rescinded mortgage and specifically denied Loan Number : XXXX, and Account Number : XXXX has been to XXXX XXXX XXXX in the following correspondence : XXXX XXXX, 2016 A Trial Modification Mortgage Statement for a lawfully rescinded mortgage A Trial Modification Mortgage Statement for a specifically denied Account Number : XXXX PDF attached XXXX XXXX, 2016 A non verified statement claiming that XXXX XXXX XXXX had submitted application for assistance on specifically denied Loan Number : XXXX A Appraisal created by XXXX PDF attached XXXX XXXX, 2016 A Delinquency Notice for six payments on a lawfully rescinded mortgage A Delinquency Notice for six payments on specifically denied Loan Number : XXXX PDF attached XXXX XXXX, 2016 Notice of initialization of FORCED PLACE INSURANCE on specifically denied Loan Number : XXXXon Lawfully owned property of XXXX XXXX PDF attached

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: PA

Complaint narrative:
I have a complaint with Fedloan Servicing. In XXXX, I consolidated my loans with Direct Loan for public loan forgiveness. I have worked for a XXXX since XXXX, and I currently still XXXX for the XXXX XXXX XXXX XXXX. I qualified for the public loan forgiveness when it started in XXXX according to Direct Loans, who was servicing loans for the U.S. Department of Education. I, along with many others, were told that we had to make XXXX payments ( 10 years ) of payments to qualify for the forgiveness program. That was the only direction stated to us verbally over the phone. I have never missed a payment. In XXXX, my loan was transferred to XXXX, who became the new server for the U.S. Department of Education. According to my paper work, we just continued with the same plan. 
In XXXX, my loan transferred to Fedloan Servicing, which again was servicing the loans for the U.S. Department of Education. After the transfer, they stated that Direct Loans did not set up my forgiveness plan correctly and are not honoring any of my payments that date back to XXXX towards forgiveness. I am not the only XXXX is facing this problem. There are many people who were apparently set up wrong by Direct Loans, which to my understanding, was just the former name of Fedloan Servicing. I did contact XXXX, but they just seemed to pass and forward my complaint to different members of their group. I have also had many discussions with current Fedloan that has not reach a fair agreement with the original forgiveness program. 
All XXXX companies that have held my loan represented the US Department of Education loan forgiveness program. Overall, there is a big cover up and story here that affect many people. I and many others need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
I have been behind my mortgage. I always pay prior to the 90th day past due. 
I paid my full payment to Ocwen financial on XXXX XXXX, 2016, XXXX XXXX, 2016, and XXXX XXXX, 2016. I sent these payments XXXX XXXX and have a receipt for the payments. 
I received a note in the mail from Ocwen stating that they had not received a payment from me since the XXXX XXXX, 2016 payment and that I am now over 120 days past due. They show that my other payments are in a " suspense '' account and did not apply them to the loan. When I spoke to them they said it had something to do with a loan modification ; however, I never agreed to, asked for, or signed anything regarding a loan modification. The lady I spoke with is part of an escalation department and could not answer my questions or apply the payments that they are holding in suspense. Should did verify that they had over XXXX dollars in this suspense fund. The normal monthly payment is XXXX dollars. I feel that they are trying to force me into foreclosure. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
We are in foreclosure due to some extreme financial hardship and have been attempting to take advantage of a loan modification program offered by our mortgage servicer Ocwen Loan Servicing. Over the past two months we have attempted to submit the required paperwork multiple times. They have rejected various pieces of the paperwork several times and it is difficult to get a clear answer as to why the documents were not sufficient. The main issue now is that they have not postponed the sale date and we now have to get a lawyer and file for a postponement ourselves. If they had started the loan mod process they would have postponed the sale, but as I say they have repeatedly found fault with the documents we submitted and the mod process has n't officially begun. The company is very difficult to reach with representatives clearly not in the US, often making it difficult to comprehend what they are saying. All we need is to modify the loan in some way, whether that be a refinance or even shifting the past due amount to the end of the loan term, so we can begin making payments again. It is clear to me that these delays are an intentional tactic, as some cursory research has shown Ocwen to be a very difficult company with many thousands of consumer complaints against them. Both the lawyer and an advocate we contacted knew of Ocwen 's dismal reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18 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: Duncan Solutions, lnc.
State: GA

Complaint narrative:
On XXXX XXXX, XXXX I sent a notarized affidavit to Recorder of Deeds in the county of XXXX XXXX, XXXX, Georgia stating the following : I have received correspondence from the XXXX credit bureaus : XXXX, XXXX and XXXX that they verified this account PROFESSIONAL ACCOUNT MGM via phone, email or fax. 
I acknowledge this account/debt was established without my knowledge and I have no contractual agreement with PROFESSIONAL ACCOUNT MGM ( XXXX XXXX XXXX XXXX, WI XXXX ). 
On XXXX XXXX, XXXX I received official correspondence from Recorder of Deeds in the county of XXXX County of XXXX, Georgia, ( XXXX XXXX XXXX, Clerk Superior, State and Juvenile Court, XXXX County, Georgia ) stating that they do not report to the credit agencies listed above " Our office does not provide any information to credit reporting agencies. You will need to contact the credit reporting agency in order for them to update their records. '' On XXXX XXXX, XXXX I sent legal notarized affidavits from XXXX County, Georgia to XXXX, XXXX and XXXX stating the following : To the Following : XXXX, XXXX XXXX, XXXX, TX XXXX ( XXXX. XXXX XXXX, XXXX, TX XXXX ) XXXX XXXX, XXXX. XXXX XXXX, XXXX, PA XXXX ( XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, PA XXXX ) XXXX XXXX XXXX XXXX , XXXX, XXXX. XXXX XXXX, XXXX, GA XXXX ( XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX, XXXX, GA XXXX ) This is an unverified account. I acknowledge this account/debt was established without my knowledge and I have no contractual agreement with PROFESSIONAL ACCOUNT MGM ( XXXX XXXX XXXX XXXX, WI XXXX ). 

On XXXX XXXX, XXXX I then sent copies of these legal affidavits, the XXXX County Deeds Office letter, and a letter informing PROFESSIONAL ACCOUNT MGM the following : I do n't know anything about this debt please send to the Original Creditor. 
As Resolution of this complaint, I ask that PROFESSIONAL ACCOUNT MGM stop all current and future correspondence with me and their company be erased from my current credit report. 
Thank You, XXXX 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 2016-11-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
This is the last email I send about you not applying my payments for XX/XX/XXXX-XX/XX/2016 and removing the delinquents from my credit report. I am contacting CFPB on Friday XX/XX/2016 regarding you posting practices and how you have destroyed my chances of getting a loan for a property. I do not know the loan number since it was sold and paid off in XX/XX/XXXX. Then you returned the checks that were not applied. I need a response by Friday morning or I will be contacting CFPB, I have been writing you since XX/XX/2016, It should not take 8 months to get this corrected. OCWEN never applied my payments for XX/XX/XXXX- XX/XX/XXXX because I did not write the account number on the check. It was left in limbo and they sent the mail that I was delinquent to the wrong address and had all the mail returned to them. After years of paying on time, they will not take the delinquents off my credit reports, thus I am not able to obtain another mortgage. I sold the property and paid them off. I thought I would be able to purchase a new home in XX/XX/2016, it is now XX/XX/XXXX and I still ca n't get a mortgage because of them. I am virtually homeless, since I sold my home. I have been living with my mother, and my son and my daughter. I have called and written them several times to have it removed and to no avail. I need this removed immediately so I can get a place to live. It is unfair that such a careless outfit can determine my destiny.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Texan Financial Services Inc
State: TX

Complaint narrative:
I am currently participating in debt consolidation due to inability to pay my debts. This company calls multiple times daily, they call my family friends and work. They are also threatening arrest.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20 00:00:00
Product: Debt collection — Mortgage
Issue: Communication tactics — Used obscene/profane/abusive language
Company: North Dakota Housing Finance Agency
State: ND

Complaint narrative:
I was behind on my mortgage payments I got a call from the company and the lady treated me like garbage asked what I was doing even owning a home I should n't even have bought a home said I did n't deserve a home asked why did I buy a home if I could n't afford it made me feel so bad why would I ever want to talk to them again. Since then I have been foreclosed on kicked out of my house even after I told them I lost my job and was unemployed all they server said was make a payment and a half unroll caught up it was berry frustrating I do n't know if there is anything I can do to get my house back but I just do n't want them to be able to do this to other people.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I am refinancing with a mortgage company. The new mortgage company has been trying for weeks to get Ocwen Mortgage Servicer to send them the payoff quotes so they can finish the refinance. Calling Ocwen is an absolute nightmare. They outsource their call center XXXX. I escalated it to several managers who all told me I would have the payoff quote within 24 hours. I requested it 4 or 5 times and they always say 24 hours but never send it. Now my refinance interest rate lock is expiring and the lender is charging rate lock extension fees as well as they are not able to even close the loan because ocwen is not cooperating with sending the payoff quote ( a very simple request ). It is an absolute nightmare calling this company, and how they are still in business is beyond me. They have cost me time, money, and heartache, stress etc trying to just a simple payoff. Instead they play games, they request the same things over and over again, and driven me absolutely crazy trying to deal with them. Please pleas prosecute and get this company shut down. they slogan is " helping homeowners '' which is absolute garbage because I do n't think they have helped me XXXX time, even with something as simple as getting the payoff request so we can finish my refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
I contacted mortgage servicing company regarding my homeowners insurance which they took time to pay. It was finally paid but now has been paid multiple times resulting in me having a negative escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: KS

Complaint narrative:
I have repeatedly requested the FHA MIP be removed from my mortgage since XXXX/XXXX/XXXX when my home loan went below the required 78 % LTV. Everytime I 've requested the removal, I received a denial letter. I requested it again in XXXX XXXX, again receiving a Denial letter. Then, a few weeks later, I received an apology letter stating that the MIP would be removed. I requested that the repay the MIP amount that I had paid since the first request in XXXX/XXXX/XXXX, that was denied. So, they have now removed the MIP, but I was forced to pay it for a year beyond what was necessary.

Company response to consumer: Closed with explanation