vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: ME

Complaint narrative:
In XX/XX/XXXX, we contacted Ocwen Loan Servicing to apply for a Deed in Lieu of Foreclosure. We completed all the necessary paperwork, and received documentation that asked us to vacate the premises completely by the end of XX/XX/XXXX. We removed our belongings and said goodbye to the home. We did try returning for forgotten items, and the door had been kicked in, the locks had been changed and work had been done to the deck on the home. When we called Ocwen, our loan was no longer in the mortgage department, and the Loan number changed. Our calls went directly to the Short Sales department, even though we applied for a Deed in Lieu. The house was listed on the real estate market, as evidenced by a google search on the home, as well as, a friend of a friend was trying to purchase the home around XX/XX/XXXX. The sale to him was not complete due to what he explained as " the bank did not register the deed ''. We then began receiving phone calls again from Ocwen with no real explanation of what happened, other then the DIL was never approved. We felt our process had been completed, we had left the property and not entered it for well over a year. This XXXX will be 2 years since we have put foot in the home, and yet we are still being held accountable for late fees, etc. 
i recently obtained a lawyer to see if there was any way to get back into the home and was given an opportunity to have a trial modification. This amount was not affordable for me at this time. We are then left with a short sale option, or another DIL option. There has been over 20,000 dollars worth of charges added to our loan balance since we left the home. Because we have been out of the home ( at the insistence of Ocwen ), we have lost any ability to rent or sell it. We do n't even have an ability to enter or use the property. There is also currently damage to the deck that has taken place during this time. We feel the bank made an error, perhaps the loan was sold, and that is why it went to short sales, and the loan number changed. We also feel as though some of our rights as homeowners have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
A former lender of my mortgage transferred the mortgage without releasing the title and is holding up the who process of getting a much lower interest rate. I have contacted them and the only method is to submit a fax to there research department. This is not right all the fees we pay during our mortgage and this is what we get. I could potentially loose my lock because of there mistake. Can I file suit for the difference in interest rates. Ocwen offers little help to fix there mistakes and they should be penalized for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
My husband and I refinanced our home with Chase Mortgage in XX/XX/XXXX. We were told after we signed the first refinancing that the paperwork was inaccurate and we would need to resign a second set. We are now selling our home and have been told by the underwriter and have copies of XXXX security deeds on our home issued by Chase Bank. Each was issued for the XXXX refinancing sets of paperwork. I have gone to a Chase Branch on two separate occasions XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and on both occasions have worked with bank customer service reps and those they have reached within Chase Mortgage and their legal department to fax these documents with a formal request that the first security deed dated XXXX/XXXX/XXXX be released. Chase Bank agrees that this should have been voided at the time of the XXXX issuance of the security deed of XXXX/XXXX/XXXX. On both XXXX and XXXX I was assured by as Chase employee that a release letter would be sent to me and faxed to my closing attorney forthwith. This has not occurred. I am returning to a Chase Branch tomorrow. My expectations are not high.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Sentry Recovery and Collections, Inc.
State: NV

Complaint narrative:
Someone called me up and told me I had a debt. They wanted me to go to their office and make payment arrangements. I asked for an invoice or a bill and they stated they would give me somthing in writing after I paid the bill. I told them the law requires that I receive something in writing regarding this debt within 5 days of intil contact. They sent me something in writing stating that I had 5 days to pay the debt in full. I do not believe this is right. Am I not allowed at least 30 days to refute and/or accept the debt once I receive written notification?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
I have never been late on a mortgage payment. My current mortgage is with Ocwen and my payment is {$2900.00}. I made my XXXX payment on XXXX/XXXX/14 and transposed the last XXXX digits, paying {$2900.00}. Ocwen held the funds, did not post the payment but put on my account, and did not notify me. When my XXXX bill arrived, it showed that I was short the {$54.00}, which I promptly paid with my XXXX payment. Then Ocwen started sending me foreclosure paperwork and added a 30 days late payment to my credit report. I called Ocwen, and the individual I spoke with agreed that this seemed incorrect, but did n't have the ability to fix. I asked for it to be escalated, so he forwarded to their credit department and promised that someone would call me. No one ever did. 30 days later I received a letter that stated due to policy, unless Ocwen receives 100 % of the funds, they do not have to post the payment. I do n't think my credit report should reflect a 30 day late mortgage payment due to a {$54.00} error. This will affect my ability to refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I have a loan modification under HAMP. IndyMac was servicing the loan and transferred it to Ocwen two - three years ago. Under the terms of my loan, my interest rate goes up one percentage point every year until it maxes out at 5 % for the rest of the life of my loan. My interest rate started at 2 % for the first five years of my loan. When the interest rate went to 3 % in 2015, Ocwen, not only increased my payment to cover the interest rate increase, they reamortized my loan and took an additional {$150.00}. - to {$200.00}. per month of my principal reduction amount and applied it to the interest. They did the same thing when my interest went to 4 %. They are RESETTING my loan, CHANGING THE TERMS and VIOLATING TRUTH IN LENDING LAWS. Every time the interest rate changes, per the terms of my HAMP modification, Ocwen increases my payment to cove the interest rate increase. This is spelled out in my documents. HOWEVER, there is no DISCLOSURE that my loan amortization will be reset ( my principal reduction amount is reduced by {$200.00}. per month ) and that they will take an additional few hundred dollars of the principal and charge it off as additional interest on my loan. 
They are violating the terms of my HAMP modification, there is no disclosure, they are double-dipping on the interest by stealing from my monthly principal reduction amount and I should be entitled to damages. I have called them numerous times and they continue to tell me my payments are applied correctly and sent me a copy of my HAMP documents ( which I already have ). 

If they are doing this on my loan, they are doing it on thousands of loans. I need consumer protections because I believe they are in serious violation of disclosure laws and have changed the terms of my HAMP modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
OCWEN AND XXXX ARE FALSING REPORT OLD MORTAGE LOANSMortgage account number XXXX and mortgage account number XXXX XXXX I started the hardship process with XXXX XXXX XXXX weeks prior to the closure of the short sale the loan servicer XXXX bundled my into a bulk sale/transfer of an new servicer Ocwen . Subsequently Ocwen providing false or misleading reasons for denying short sale and refused to handle my loan modifications without me first making a payment. The customer service agents at Ocwen suggested I take a loan from my XXXX account to prove I was serious about resolving the matter. A loan was taken from my XXXX payments were made to Ocwen up to XXXX XXXX and I was still unable to get assistance with a short sale or modification. XXXX year later, the deed of the property was transferred to the HOA and later sold in a sherrif sale. Attached is a summary of attempted interaction with OCWEN and Experian. 
XXXX is the only credit bureau who has refused correct the reporting mistakes by OCWEN both XXXX and XXXX have been compliant with my request. 
Attached : XXXX XXXX Experian list Ocwen as verified/updates with incorrect dataAttached : XXXX report of XXXX reporting agency show the account status as deed in LieuAttached : Sheriff Sale of the property AttachedAttached : Deed transfer in lieu of for foreclosure

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
ocwen has given me bad credit because they say I have not made payments when I have proff that I did.now I cant even get HARP help because they say you need 6 months of making payments and ocwen says I have n't when I have bank statements proving I have .so now I cant get gove.helpor get someone else to take my mortgage even though I made some times two payments a month.i am XXXX.i cant XXXX.i cry all the time.i lost my son and my husband in the last year.now I am going to lose my house.and no ome will help me.can I sue ocwen for putting me through this and making it so I cant even get HARP.my interest is over 10 percent.thats just plain criminal

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: SC

Complaint narrative:
In XXXX of 2014 we FINALLY came to an agreement with Ocwens lawyer, XXXX XXXX from the XXXX in XXXX, NC to modifiy our mortgage. This modification agreement was subject to a dialogue to get clarification regarding the escrow. On XXXX XXXX, 2014 the Ocwen lawyer XXXX XXXX finally was able to get clarification from their client that stated that : " The answer to your question is that the escrow shortage has been made part of the new outstanding principal balance due under the modification. The shortage ( which was identified in his XXXX/XXXX/14 email to be ( {$39000.00} ) ) will get repaid during the life of the loan upon repayment of principal and interest. " However, just a few months later they have wrongfully increased the escrow by 75 %. I have contacted them and over the course of two weeks still can not get this corrected despite forwarding these clarifications to them and several conversations with their escalation specialist XXXX XXXX. So once again the mortgage servicing is XXXX up and Im using my time to XXXX it as well as pay the increase in the interim because their system will not allow for a short payment. While XXXX XXXX is quite nice she doesnt have the ability to undersand the problem nor authority to correct it. She says she will call back in 5 days with better clarification. Im not holding my breath. I guess I need to again hire a lawyer. What a stupid mess.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
GMAC Mortgage is who I originally took a mortgage out on this on at XXXX XXXX XXXX XXXX, XXXX, Ohio. Unfortunately after several years with a down market ( I 'm XXXX ), became XXXX, and on top of everything else, my husband abandoned my family and I. I worked closely with GMAC and after several months they issued a loan modification on the property, the problem was, was that once I received the documentation, neither the interest rate, the costs associated with the loan modification, nor the monthly payment was as I was promised. I called, and called and called and emailed and sent faxes to their loan department, and loan servicing department to no avail. At one point, I was able to get into another department 's extension, and spoke with a representative who at the time, told me that my loan was one of many which was in question as to how the modification process and the loan modification itself was processed and prepared, and that someone would be getting back to me on the matter soon. After several years, no one returned a call, no one returned my emails, nor my faxes and letters, I even kept the yard work up at the home, unfortunately the home is located in a high crime community, and vandals continued to break in, stole the hvac system, the electric panel, the hotwater tank, furnace, etc., but I felt it was my responsibility to take care of the property, keeping the grass cut, weeds down, etc., because I still wanted to keep my home. on XXXX XXXX, 2015, I received a letter by regular mail that my home was going to Sheriff Sale, by another bank/owner which appears to be a group of investors? No one phoned, called or discussed any changes in the mortgage co., nor servicing, and I feel this is desperately wrong, especially since I made every attempt possible to retain my home, I even sent photos of the condition of the home by photograph to GMAC to let them know I was still taking care of the home, and that I actually on several occasions boarded up the home with the hopes to offset the further attempts by vandals to destroy the home anymore, I am just please asking is this right, that they give me a fraudulent loan modification, they apparently sale the home or servicing/mortgage, and no one ever informed me, nor contacted me until just within the past few days indicating the property was going to sheriff sale. Please advise, and may God Bless you, sincerely yours, XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
I had a loan with XXXX Bank. The loan was serviced by GMAC. They foreclosed illegally through a local attorney. I plied for a loan modification. They said I qualified. I just had to pay the {$17000.00} in missed payments to activate the modification. They then proceeded with the foreclosure process. They collected insurance, collected money from the sale of the property and got Federal Bailout money. Eight years ago when few people realized yet the extent of the mortgage meltdown and the extent of wrong doing by many banks it was difficult to get a fair shake. I had to leave my home of 16 years. Can anything be done now?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
We were Issued a Loan Modification by OCWEN, we made XXXX payments and they would not accept the XXXX payment because we have solar panels from XXXX XXXX XXXX which is current ... Our attorneys refiled a mod package and we were offered a payment that was XXXX More they OCWEN defaulted on original aggreement. what can be done about this this new amount is totally unrealistic.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: NE

Complaint narrative:
I had went under contract to buy a house. The sellers didnt inform the listing agent of liens on the house. So after 3 and half months of being under contract a company named " ocwen '' came in from no where and swooped up the house and auctioned it off. We gave them everything they needed to call off the sale. They didnt and we lost over a thousand dollars we put into this house. My loan was approved, the house was appraised, inspections had been done and a bunch of repairs had been made. They sold the house for XXXX less than they were getting from me. Im so frustrated. So is all the realtors and my lender. What should i do?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
My " mortgage company '', only because GMAC dropped us there when they quit us, Ocwen once again is trying to push us, who have never missed a mortgage payment in our lives, into default by continuously not mailing us a payment request form. They did this to us a year ago and after complaints they resumed sendings. Last month : nothing ... we had to dig up information and write them a letter along with our payment. This month again nothing. they seem to be trying to deliberately cause a problem for us. We onle owe {$48000.00} on a {$200000.00} home. they seem to want to get their hands on our home through default.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-21 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
I refinanced my HELOC in XXXX of 2015 from Ocwen to XXXX XXXX XXXX. On XXXX XXXX 2015, my representative from XXXX XXXX XXXX sent a check to Ocwen in the amount of {$91000.00} to pay off the HELOC. This check was received by Ocwen in XXXX XXXX XXXX, FL and was signed for, however the check was never deposited. XXXX XXXX XXXX called to inquire and then sent another check for {$91000.00} on XXXX XXXX, 2015 which again, was received and signed for but never deposited. I have tried numerous times to resolve this issue with Ocwen. My calls always go to a " global help desk '' in XXXX and they are not able to send me to a manager or give me a US phone number to reach someone in the FL office. It is now almost 4 months later and Ocwen will not help me resolve this, they ca n't even tell me where to send a check at this point. Meanwhile, I have XXXX HELOC accounts for {$91000.00} each, XXXX interest payments and my credit score has dropped significantly because of this problem with Ocwen, causing problems when trying to buy a car today due to my lowered credit score. We have worked with XXXX relationship managers and XXXX escalation managers. After over XXXX emails and hours upon hours on calls with Ocwen they seem to only be interested in keeping the account open to earn interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: MN

Complaint narrative:
I purchased my house in XX/XX/XXXX for {$110000.00} with adown payment of {$9000.00} My mortgage was sold several times, namely to Litton loan and XXXX. I haave never obtained a modification of {$190000.00}. The documents are a forgery. The dates are from various years. There 's a notary from Texas, I have never been in texas. I never obtained the loan. Litton loan and XXXX are both out of business for frogeing ddoucments that are false. Creating false documentation. The documents havvarious red flags, there is no legal document that can have a variety of signatures from numeryears. I have ben dealing with this for years, trying to get this resolved. I 'm asking gor help to get this debt removed from my credit and my responsibilities. I did not create this debt there is no other documentations from Litton loan and XXXX indicating any of files or conection just a bogus modification. That I did not get. I did not sign for a modification.I could not have signt for a notary from Texas, you HAVE to be in Texas in order to receive a notaryized document. I have never been in Texas please review the proof that this is a bogus debt and something should be done about this to stop this from happening, It makes no sense to obtain a loan on a house that was originally $ XXXX why would I get in to anything that is doubling the cost that I paid. I have paid the amount that I have been behind with the exception of XX/XX/XXXX balance that was most I have ever been behind. There has got to bes something that can be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
The prior owner of my property, XXXX XXXX XXXX, XXXX, Ohio XXXX has the cancelled note for the property and I subsequently purchased the property in XXXX 2016. Ocwen identified that they had NO RECORD of an account still existing on the property. Regardless of this XXXX is foreclosing on the property and all references refer back to Ocwen and account number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: United Recovery Solutions
State: MS

Complaint narrative:
I got an automated message asking me to call XXXX. When i called the number a gentleman asked me for my number. I asked him who I was contacting and he said United Recovery Solutions. I asked him what they do and he said Collections. I gave him my number and he said it was in regards to an account with XXXX. I asked him how old the debt was and he said 6 years. I knew that debt was more than 12 years old so I informed him that that debt was more than 10 years old. The gentleman started calling me a bad father and a " XXXX '' for hiding behind the statue of limitations and said he will call me constantly about this debt because I ca n't stop him. Is this a violation of the FDCPA?

Company response to consumer: Closed with explanation