vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
Our mortgage was bought out by Ocwen in XXXX it has been nothing but trouble, from over drafting our account by taken out XXXX bi weekly payments within 7 days to us receiving XXXX XXXXXXXXXXXX each for returned checks and payments from credit cards, vehicle payments as well as utilities. When I lost my job in XXXX we wanted to apply for a loan modification which of course they recommended as well as visiting XXXX of their credit counselors which we did. Our rate was XXXX at the time and morg was XXXX at time, now almost 4 years later at XXXX XXXX for our morg. and that in a loan mod. Not only did our rate stay same our morg went up about XXXX. We STILL owe 30 years on our home that we purchased in XXXX Hmmm you do that math. Now they are stating that im XXXX behind in morg and they are requesting that money by XXXX XXXX XXXX or they will foreclose on our home. I have documents and bank statements showing all payments made since our loan mod.. I have contacted a XXXX Team which our helping us get a true loan mod at correct rate XXXX ( well i hope ) which is costing me XXXX. There is no way at this point that we can get away from Ocwen due to them reporting to credit companies. Im at a lost with this company. They will get you out of home pay a hefty fine back to you, but then turn around sell your home and do the same to next owners ( or should i say renters ) I wish there was something we could do to keep our home that we worked so hard to get. They tacked so many fees on end of our morg Im not even sure if that is legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 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: OH

Complaint narrative:
This is my 2nd complaint to be filed by me for the Peaks Loan. My first was for the fact that I did n't know who the heck they were or what they were since I signed an agreement with XXXX XXXX to service my temporary school credit. After establishing that peaks was the new servicer and paying 3 years of {$220.00} payments my balance never went down. I have tried to secure a means of refinance but due to Peaks over zealous reporting habits, my credit score took a huge hit. I was no longer able to refinance the loan and could not get anyone to loan me the {$9000.00} dollars they said I still owed after 4 years. My famly has since fallen apart and have been going through a really tough divorce that has lasted a year now. During that time I was no longer able to pay on the loan due to high childsupport payments and attorney 's fees. The company was contacted and told the situation but was not willing to help. A few months later during their investigation period with the SEC, they contacted me and tried to inform me about refinance options which were even at a higher rate eventually than the existing rate. I declined and asked for forbearance and in the past that was usually handled over the phone, well this time I was told that I would receive an email with the form to apply for forbearance, that I would have to fill out on my own. That email never came and now I get a letter from them in XXXX XXXX that my Peaks Loan is now in Default. Outraged, I have chosen to not return the single call, from the company, to me since that letter. My credit report shows that the Peaks loan was started XX/XX/XXXX. I had never heard of Peaks until after graduation in XX/XX/XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
During XXXX our home experience damage, {$20000.00} worth, the mortgage company stipulation on how the funds can be released were too severe and we could not fulfil the demand by the mortgage company. By the time I was able to move out to get repair started the mortgage company started back the repayment plan. I am now renting and they want me to start paying back the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
My name is XXXX XXXX on XXXX/XXXX/XXXX, I received a notice from my mortgage company Ocwen Loan Servicing , LLC denying my request for a loan modification. Non-Approval Reason was. 1. They states they were unable to offer a Home Affordable Modification because : My loan on the related property has received the maximum number of modification permitted under the Home Affordable Modification Program ( HAMP ). You are only allowed XXXX HAMP modification on " your '' PRIMARY RESIDENCE. Please note, not all eligibility factor is evaluated. 2. We are unable to offer you a Mod 24 modification because : We are unable to verify that you live in the property as your primary residence.Please note, not all eligibility factor is evaluated. 3. We are unable to offer you a XXXX Capitalization and Extension modification because : This program is only for temporary or resolved hardships but we have determined that your financial hardship is not temporary one or has not been resolved.Please note, not all eligibility factor is evaluated 4. We are unable to offer you a propriety modification because : Your mortgage loan is secured by a property that does not serve as your primary residence and is less than 60 days delinquent.Please note, not all eligibility factor is evaluated. 
On XXXX/XXXX/XXXX, I filed an Appeal For Denial of Loan. Informing OCWEN that I have not had a HAMP loan ( I started the process XX/XX/XXXX and was laid off XXXX/XXXX/XXXX ) which made me ineligible for the HAMP. I provided OCWEN with my drivers license, utility bill along with my property taxes to prove it was my primary ( only ) resident. I also made the aware that I was receiving assistance from the Florida Hardest Hit Program because of me being laid off. 
I had not heard from OCWEN by XXXX/XXXX/XXXX. I placed a call and was told to Appeal For Denial to the research department. On XXXX/XXXX/XXXX, I received the same letter stating that I had been denied ( note letter had the date of the first denial with the top page with XXXX/XXXX/XXXX on it ). 
I have been told that if my loan is a XXXX or XXXX XXXX, that the loan holder is to assist with helping the consumer retain their homes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
I recently was approved for an in-house modification with Ocwen. I submitted the first payment which was due on XX/XX/XXXX. However, I went to make the second payment, which was due on XX/XX/XXXX and see that everything has reverted back to the foreclosure/default status and my payment due is XX/XX/XXXX and they will not accept payments from me. The agreement and paperwork clearly states that payments must be made " within the month in which it is due or modification will be cancelled. '' XX/XX/XXXX is clearly within the month. However, I see that the status stating " your loan has been permanently modified '' has been changed to " you may be eligible for a permanent loan modification. '' I would like to modify the loan and stay in the home but can not go many more rounds with Ocwen.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04 00:00:00
Product: Prepaid card — Government benefit payment card
Issue: Managing, opening, or closing account — 
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
I was issued a citi prepaid card by the XXXX to remit my tax return. When I registered the card no details are provided on ACH fees - or any fees even as the user agreement forces agreement to the fees. The disclosure indicated a link to said fees would be provided but none was. I searched the site and elsewhere online thoroughly and found none. I called the customer service line and no option to speak with a customer service representative was provided, only limited automated service. Considering this is my money provided in a format I did n't approve, at least I could be provided clear terms and adequate service given Citi is earning returns on my float and potentially vendors where I will be forced to use the card as direct transfer to my bank account has unclear financial fees. I 'm highly irritated and should be able to access my own funds more easily.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
We are currently under chapter XXXX bankruptcy and have our mortgage withOcwen. I received a phone call from Ocwen on a Sunday, XXXX, andwas told we owe them over {$9000.00}. I 've since been told by Ocwen that ourpayment went up from {$1200.00} to {$1500.00} XX/XX/XXXX and they have also told methat I was not notified of this increase, nor was our attorney or the chapterXXXX trustee. How can you indebt us for something that we were never notifiedof in the first place? I also received documentation stating my payment wasgoing to increase XX/XX/XXXX from {$1200.00} to {$1300.00}. I spoke withOcwen yesterday and was told my payment is supposed to be {$1500.00}. Also, we are under a loan modification which lowered our payments to somethingwe could afford, so why do they keep raising our payments?? In addition, when I go onto Ocwens website, it does n't show any increase XX/XX/XXXX and itshows the current amount due as {$1000.00} with a due date XX/XX/XXXX. 
How can I be liable for Ocwens mistake especially since their website is n't evencorrect??? Additionally, is n't it illegal to try and collect a debt from me while I'I 'm under chapter XXXX bankruptcy?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
In XX/XX/XXXX I purchased a home in XXXX XXXX, Florida the note was in my name and mother placed on the title to show ownership via her present XXXX. My lender was IndytMac to IndyMac XXXX, to XXXX to XXXX additional names. I was notify in XX/XX/XXXX that I was illegally placed in foreclosure. I attempted on XXXX occasions to modify my loan with XXXX acceptance stating document would be XXXX to me then a cancellation stating I did n't qualify for a modification program but completed a six month payment plan. I have payment history of making all my mortgage payments. communicated with my several lenders. All said and done hired a lawyer I filed bankruptcy, it was discharged via mother interest on the title and courts records shows shes not on the mortgage and to this day has XXXX Credit. This stop to auction sale briefly. Now just two weeks ago .another foreclosure went before the court but this time the lender request and era on their part and requested from the court to stop sale and the judge denied request and property was auction off. An appeal was filed to stop transfer of title. Please help I do n't know what else to do other than file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Asset Recovery Solutions, LLC
State: NY

Complaint narrative:
On XXXX XXXX, 2015, I received a letter from Asset Recovery Solutions , LLC, ID # XXXX, XXXX license # XXXX, The letter was dated XXXX XXXX, 2015, The company owned meter stamp on the envelop was dated XXXX XXXX, 2015. I moved XXXX XXXX 2015. I filed a moving notice with the XXXX XXXX the last week in XXXX. 

This, letter as stated above, arrived at my new address on XXXX XXXX, 2015 with an official yellow forwarding label placed by the XXXX XXXX dated XXXX XXXX, 2015. This letter was NOT mailed to me on XXXX XXXX, 2015, but rather sometime in XXXX with a date placed by this preditor company of XXXX XXXX. The company owned meter stamp was altered to reflect a date of XXXX XXXX, 2015. 

This company will stop all proceedings against me at once. 
any manner.

Company response to consumer: Closed
Consumer complaint received 2016-06-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
My ex-wife and I submitted paperwork, back in XXXX 2016, to Ocwen requesting a short sale of our condo due to several significant, long-term hardships including divorce, relocation out of state due to a family hardship, increased mortgage expenses and high medical expenses resulting from an ongoing health condition. Shortly after our first request was denied, several additional major hardships presented themselves -- loss of renters in our property thus taking away a significant portion of income, job instability and a major salary reduction due to a severe company financial crisis. The new monthly salary, in its entirety, does NOT even cover XXXX of the mortgage payment! This does n't even take into account obvious living expenses and obligations that need to be made each month. Despite these additional hardships and our monthly cash flow being grossly negative, we were denied a second time. We clearly meet the guidelines defined by the XXXX Program and yet Ocwen does nothing but categorically deny our application and refuses to negotiate the short sale of our property. Taking all of our hardships we are faced with combined with our available assets having been all but depleted and our inability to make a mortgage payment for the last few months, Ocwen still makes the absurd claim that us defaulting on the loan is NOT imminent. Not only is a default imminent but the reality is that it is inevitable. Based upon our dealings with Ocwen, lack of communication and the ludicrous decisions we have received from them, we assert that Ocwen is failing to give credence to the information we are submitting and is operating directly against the XXXX program. Additionally, our divorce decree stipulates the property must be sold, thus Ocwen is forcing us to continue to hold onto a joint asset indefinitely and directly degradating a court order. It is clear to us that Ocwen is operating their business in an unethical and fraudulent manner and this needs to be addressed. We respectfully request this be reviewed and the Ocwen approve our short sale application.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I have requested our mortgage lender, OCWEN Financial, cancel our PMI because we should be qualified to do so at this time. I have emailed them 3 separate times and they have continued to ignore my requests. What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Ocwen loan servicing handles my loan, on XXXX XXXX and XXXX XXXX i made my payment online, after the XXXX of the month you 're forced to make a rush payment through their website call speedpay. I 've received a confirmation email that my payment was received on XXXX/XXXX/2016 at XXXX confirmation number XXXX and on XXXX XXXX I made XXXX payment at XXXX confirmation number XXXX. when reviewing my credit report it shows I was 30 days late twice and for XXXX it shows Im 30 days late when in reality the month is not even over. XXXX credit report and for XXXX my payments do n't even show. I try to reach out to Ocwen and they would n't able to explain me why they had reported me to the credit bureaus as being late. I really need your help in investigating this issue and it seems like Ocwen do n't care. All Im asking is for my rights as a consumer to be respected and not been abused. Obviously the information reported to the credit bureaus by Ocwen is false and is damaging my personal credit and preventing me on getting approved for a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
We are with this mortgage company name OCWEN. We are trying to modify a loan but the company keeps asking for documents that we have already submitted numerous times. The company claims that they are not receiving the documentation. It has been seven months to try to get this modification completed. During this seven month period the company stop excepting our mortgage payments and received mail that they are starting foreclosure. On their documents it states that while we are in the process of modification that there would not be a foreclosure filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
My loan was purchased by Ocwen from IndyMac mortgage co in XXXX, since that, my monthly payment is going up and up. 
XXXX show that it was -- -- -- -- -- -- - {$670.00} in XXXX when they purchased my loan XXXX show that is should be {$710.00} for the XXXX/XXXX/XXXX yet they posted it in my account to be {$760.00} and I paid {$760.00}. 
XXXX show another increase just within few week of receiving the $ XXXXmonth increase to {$770.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: WA

Complaint narrative:
Due to misrepresentation of services and fraudulent practices, we are stuck paying {$4900.00} lump sum in future monthl payments for a product we do n't use Due to misrepresentation, we were stuck in a 48 month contract that did not perform like promised. Now, we are expected to pay {$4900.00} up front. We started working with XXXX XXXX in XXXX 2015. XXXX XXXX promised in writing a 1 % rate on all CC transactions and 0 % debit card transactions. It was never disclosed that we would be working with another company ( XXXX XXXX ) We were also promised a XXXX machine that would be compatible with quickbooks for accounting purposes. We were sent a different model of key pad, but I did not complain since we were going to be saving at least 2.5 % ( 1.5 % more than promised in writing ) on all transactions. For the first few months, I noticed we were getting charged anywhere from 5 % to 9 %. After trying to get a hold of XXXX XXXX, I finally got a hold of XXXX XXXX of XXXX XXXX ( XXXX )? We had to settle for 2.5 % and 3.5 % that she refunded for a few months. Then it became difficult to get a hold of her, and we were not receiving any refunds for being charged 9 times more the percentage than promised in writing. I finally faxed a termination/cancellation letter to XXXX asking that we cancel with XXXX, XXXX XXXX ( I had just learned that they were involved in the actual contract ), and any other companies involved. I stopped payment being taken out from any companies that I did not recognize through my bank because we were n't using their services. I get a letter from XXXX XXXX about an amount owed. I called back and told them that it was cancelled due to non-performance and misrepresentation. They said that it was impossible to cancel. I was reported to the credit bureaus for non payment on personal and business and chased down by collection company Hunter Warfield. Now my business and personal credit is ruined for years and I am being forced to pay over {$4800.00} for a service that I have already cancelled and was n't performing like promised in writing.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed
Consumer complaint received 2016-06-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
They return my payments and want me to pay five months certified now with additional fees.I was two months behind and mailed them XXXX payments and now they want XXXX certified with a bunch of fees why.Why do I have to make my payments certified at an additional cost.I previous made a 9 moth payment and they said they would not accept it I wireed the money XXXX and they said they would return the check but they waited a week and deposited I called they stiff have not payed ny check return fee or have send it back or a letter that they would not redeposited which they saifd they where sending, they lare liars repeatedly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NH

Complaint narrative:
Trying to get PMI removed and went through Ocwen 's process to have a new appraisal. Once that was done we had to put {$780.00} more toward principal to have PMI removed, sent in {$800.00}, they put it toward escrow. Got that fixed then they went back to our appraisal from 3 years ago. Now trying to get it removed before the 90 period is up for them to use the current appraisal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: AmeriCash Holding LLC
State: IL

Complaint narrative:
This account was open in XXXX XX/XX/2008. I have never made a payment on this account and the name that appear on the Judgment is not my name. I have requested XXXX XXXX to validate this account many time Under FDCPA XXXX XXXX. Validation of debts [ 15 USC 1692g ]. I ask that this account be deleted from my credit report. Americash Loans LLC XXXX

Company response to consumer: Closed with explanation