vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
I represent XXXX XXXX, who is trying to stop the foreclosure of her home. Originally, the property was purchased by XXXX XXXX, XXXX 's partner of 20 years and common law husband. The XXXX separated and XXXX remained in the property. A foreclosure was initiated in XXXX. XXXX agreed to transfer the property to XXXX in XXXX, and the foreclosure was voluntarily discontinued and then filed again with XXXX and XXXX as defendants. XXXX has been working with me to try to get a loan modification since XXXX. However, Ocwen, the current servicer, will not provide any information on the account, nor will it provide any instructions on whether and how XXXX can assume the mortgage.I contacted Ocwen several times ( with permission from counsel for the mortgage holder XXXX XXXX XXXX XXXX but Ocwen would not provide information about the account without XXXX 's authorization. After making several attempts to get information, Ocwen eventually transferred me to the assumptions department, which instructed me to fax a request for an assumption. I faxed the request on XXXX XXXX, XXXX along with a copy of the deed to the property from XXXX XXXX to XXXX XXXX, as evidence of her ownership interest in the property. I have not received a response from the Ocwen about whether the loan is assumable or how XXXX could assume the loan. I have also not received a response to whether the streamlined modification offer sent to XXXX could be accepted by XXXX. When I made that request, Ocwen responded by contacting XXXX and informing their attorney that they could not reach the borrower, rather than attempting to reach my client. There is some urgency to this matter as the foreclosure case is scheduled for trial sometime in XXXX and Ocwen has not reviewed XXXX 's application for a loan modification or an assumption.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-19 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Dear Sirs, I have been serviced by Ocwen since XX/XX/XXXX after XXXX sold my loan to them. I was in bankruptcy then as I lost my job the year before that ), but even then, I have paid my mortgage payment every month. Ocwen never sends me any statements except for when they informed me that they were servicing my loan. I paid my mortgage every month and have tried to call them several times to send me a statement or I place a communication with my check advising them to send me my statements to ensure that I am still paying the correct amount but still no answer. My bankruptcy finally ended XX/XX/XXXX and have advised them repeatedly over the phone that this is so but still no answer. It 's more than 15 months now that my bankruptcy is done and still no statements. I have been making payments online in the hopes that they will at least update their system but still nothing. I have been stressing on this for the longest time now and still find no relief. Please Sirs, I need your help on this. I am working a regular job XXXX, M-F and I call their office on a regular basis but it seems their company does not know what they are doing or ca n't explain the anomaly to me. Is their payment office is in Florida, there is no way I can speak to a person " in person ''. I am really desperate, I want to keep my house and just not stress out on this which should not really be a hard thing since I pay our mortgage on time or even few days earlier than the due date. Thank you and hoping to hear some relief your end. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
1. I bought a house on XX/XX/XXXX. According to the contract PMI willa utomatically terminated when the principle balance reach 78 % of the original value of house. I did reach this goal on XXXX/XXXX/2014. But my mortgage company -Ocwen servicing agency refused to cancel My PMI.Imadephone/email/fax request to cancel it. Now my principle balance is 73 % .But still they charge me with PMI. 
2. ocwen also refused to release money to my insurance company on time and my house was uninsured for one month. 
3, They also increase my escrow without giving any explanation. Frustrated with all this I did request to cancel my escrow account. But they refuse to do so.

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

Complaint narrative:
My name is XXXX XXXX. I was given a toxic loan [ enclosed ] on XXXX XXXX 2007, just before the collapse. This loan is about to explode leaving me and my husband homeless at our age The Servicer refuses to help us although others in our loan pool have been helped. 
Our loan is about to go up XXXX per month an amount we were never qualified for. The rating agency is XXXX.They have the power to make this happen. After rating all these loans triple AAA ..when they were not..We really need help..loan number XXXX ... our address XXXX XXXX..The servicer is Owcen Servicing. THey have repestedly lied and pushed us through hoops ... .thier address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . XXXX

Company response to consumer: Closed
Consumer complaint received 2015-12-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MO

Complaint narrative:
XXXX XXXX, XXXX Consumer Financial Protection Bureau I am writing to notify of an issue I am having with the Kansas XXXX XXXX Department. 
I filed a complaint XXXX XXXX XXXX with XXXX XXXX, against OCWEN Loan Servicing. I was told this process will take approximately 100 days. I was also told there would be a consolatory process to see if an agreement can be reached. I told XXXX HUD we did not want a modification agreement from OCWEN, because we originally requested a modification XXXX XXXX, XXXX. It is now XXXX XXXX, XXXX and we still have not been notified of the investigation start date. To say that this has really gotten " Long in the Tooth '' would be an understatement ... 
XXXX XXXX has been unable to give us a timeline for the investigation. XXXX XXXX has been manipulated by OCWEN to attempt to strong-arm my family into a several modification agreements. I am requesting remedy under the {$25.00} XXXX XXXX XXXX XXXX, which OCWEN is XXXX of XXXX defendants. Your oversight for this process would be a Blessing. 
In your service, XXXX XXXX XXXX, XXXX. & XXXX XXXX XXXX XXXX. XXXX XXXX XXXX PS : We have complete email documentation to support all the above

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
Made a complaint previously and received documents from ocwen and upon reviewing them myself and with a lawyer, there a numerous mistakes that need to be corrected immediately! There a $ XXXX {$89.00} unnecessary fees applied/charged with ever payment made. On XXXX {$5600.00} in check form was " added '' to my principal as wel as that same amount being applied to interest and accusing a few of {$420.00}. Also, on XXXX, {$8800.00} was " added '' to my principal as well as {$2000.00} added to principal on that same date! On XXXX {$5000.00} was listed. I have numerous corporate advance adjustments that are unnecessary. Also according to my bank statements multiple payments that were paid on time were obviously held by company and then they credited them along with charging late fees. I have payments that were made by trustee during bankruptcy and the date he recorded paying is not what is documented by Litton and I also a cures late charges during both bankruptcies! Chapter XXXX in XXXX, and chapter XXXX in XXXX. I want these mistakes corrected immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
I have asked Fidelity Creditor Service to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I purchased my home XXXX of XXXX my loan was with XXXX. I started my Loan mod with them by XX/XX/XXXX. the loan got sold to B of A and the loan was sold to Ocwen loan servicing LLC . after all these years Ocwen is telling me that the investor who owns my loan ca n't do my loan mod. They simply tell me that they do n't have the program for my loan to do the modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
After the death of the original property owner, her heiress, henceforth XXXX completed a family transfer package for OCWEN and received a permanent modification of the mortgage under her own name However, mortgage statements continue to be addressed to the deceased. XXXX has completed the assumption application, has a mortgage modification in her own name and is now the borrower. But the account remains in the name of the deceased mother and listed under the social security number of the deceased. Despite phone calls, emails, XXXX notices of error and a completed family transfer package by the XXXX OCWEN has not updated the account to reflect her name and social security number. 
A complete complaint will be mailed into the CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17 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: LA

Complaint narrative:
My husband and I lived in an apartment XXXX XXXX. We were told our lease would not be renewed. We had a {$450.00} dollar deposit and when we checked out the leasing agent went through apartment and said she had never seen a cleaner apartment. When we moved in we did not get any new paint or anything as we were only on a 3 month lease. Our last month as the leasing agent XXXX told us that we would have the remainder of our deposit mailed to us which we only owed 9 days on rent. They put me in collections for over XXXX $ which we did not Owe! I tried to contact the apt manager and she would never call me back and just put me in collections on my credit bureau! They even put our water bill which is not affiliated with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
We became current with Our mortgage in XXXX 2014 till present Ocwen who currently has the loan is reporting to credit bureau 's that We are behind. Ocwen has been receiving monthly payments keeping some and returning some to keep the mortgage in a delinquent status previous complaint was file and We did n't respond because We did n't receive correspondence to dispute that there has been no resolution to matter and just found out about a case number this morning which isXXXXXXXX from speaking with a representative, We request a new complaint to be filed with supporting documents previously submitted from complaint filed from above mentioned case number.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I have been devoting my entire life for the last two years fighting with OCWEN loan servicing. They are completely and totally inept, send us letters saying they have n't received payment when the check has cleared BEFORE the date of the letter. Their call center is in XXXX, and they just have drones answering the phones reading from scripts. That is how I got into this mess in the first place, by following the instructions I was given from XXXX. That was two years ago, and I am still fighting. It should not be a full time job paying your mortgage and dealing with the mountains of incorrect and useless paperwork one receives from them. However, i refuse to give up. If I have to DIE from fighting them, I will.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Ocwen took over my XXXX mortgage from GMAC ( for reasons unknown to me ). When they did, my payments went from {$160.00} to {$940.00}. When I tried to get information on why this happened, Ocwen refused to explain and told me to " pay my bill ''. I have been struggling with communication with this company. I know that according the the California Homeowner 's Bill of Rights I have the right to a single point of contact that has decision-making authority of my account. Although they have technically appointed me a " relationship manager '', this person is never available when I call. I get transferred to another " relationship manager '' who does not have the ability to make decisions on my account. Furthermore, whenever I submit all the paperwork necessary for a loan modification, they either 1 ) lose my paperwork ( the first time I faxed it and they claimed to have never received it ) or 2 ) Claim to be missing paperwork ( even though I have proof that I emailed it ). I have paid this company XXXX % of what I owe in a lump sum and they are still claiming that they are going to foreclose on my house in a week ( even though I am current on my first mortgage with another company ). They have not sent me an updated statement even though the loan has been reinstated. Instead, I received a letter that says they simply postponed the foreclosure. 

They also claim that their hours are " Mon-Fri XXXX-XXXX, Sat XXXX-XXXX, Sun XXXX-XXXX ET ''. However, when I have called on the weekends AFTER making a payment of over {$28000.00}, their offices are closed. I can no longer reach them during their weekend hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
After successfully completing a 3 month trial modification which took the lender 6 months to get initiated, the lender did not follow through on providing the final modification document until 4 months after the 3 month trial was completed. During that 4 month period, I was told I could n't not make any more payments. When they finally provided me with the final modification document, I was told I had to make a lump sum payment for the 4 month period before the modification could be finalized. I made the payment and mailed the documentation. My certified check was returned and I sent it back. The lender denied the modification because they stated they did n't receive the payment or documentation. Subsequently, they acknowledged receiving the payment but not the documentation. They said I would have to start the modification process that took a year all over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
I was advised to contact you because I feel my mortgage company is not treating me fairly. I am paying a XXXX XXXX dollars a month for PMI insurance, and it seems to be very difficult for anyone to help me to get out of paying the PMI. They wo n't speak to me they wo n't give me a contact number, they 're making me put my request in writing which I 've done a couple times now. They are telling me that there 's no way I can get rid of my PMI insurance by using fair market value of my home and then I have to do a major home improvement in order to get rid of my PMI insurance. I am certain that I have enough equity in my house to have the PMI insurance waved however they will not help me get out of that insist that the only way I can is if I invest money into my home as in A major home improvement. I was advised by someone from another financial institution that this does n't seem right I feel I am being trade unfairly, and that maybe you can assist me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
Dear Sir or Madam : I had sent a complaint earlier : # XXXX regarding Citibank Credit Card notifying me that they had sent out gift certificates from their rewards program and failing to send them out without notifying the customer and not crediting the " Points '' used to the account for the gift certificates which were not sent out as " known issue '' to Citibank. After three emails with no response, Citibank finally answered and responded to your letter by posting the points from the gift certificates they failed to send because of " their known vendor '' issue. However, they fixed the problem in the account and I had check issued to me, but then Citicard debited my account for the gift certificates never received for the next month. So, instead of having XXXX worth of points for that month, instead Citibank double debited me. I find this incredibl especially after having a known issue, not sending the gift certificates despite emails saying ... your rewards are on their way, and then debiting me twice. They failed to respond to my emails until finally they answered back and said, you were debited for the gift cards which they never sent. 

Please review this case and hold them accountable. I spend over XXXX dollars a year with this credit card and they have been having issues with upholding their cardholder agreement and honoring their rewards programs. 


Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: Platinum Holdings Group, LLC
State: FL

Complaint narrative:
On XXXX/XXXX/15 I received a phone call from a man who said he had to " qualify a file. '' He did not identify what the file was regarding. He only said he was " gathering information. '' I refused to speak with him and told him I did n't know who he was and therefore would n't provide any information to him. He then transferred me to a woman and when I asked her what this was regarding, she said XXXX. I immediately hung up. According to my credit report, XXXX wrote off and closed this account. 

On Friday,, XXXX XXXX, 2015, I received this voicemail message : " This is XXXX XXXX. We need to qualify this file that is in review. I 'm sure we can help you sort something out but we need to talk about it. I 'm trying to prevent calling you at work. This is a courtesy call. '' On Monday, XXXX XXXX, 2015, my landlord received a message from a woman named XXXX for me claiming she was from " Worldwide '' and that she had to speak to me. She left a phone number that was similar to XXXX XXXX 's XXXX ( XXXX XXXX number is XXXX ). I then received a phone message as well stating that she was having a meeting about the file in the morning. 

When the woman called, she somehow hid the phone number she was calling from and it just showed " XXXX '' XXXX. 

I then sent a text to the XXXX number demanding that they cease calling me and my landlord. That request was ignored. 

On XXXX/XXXX/15, I received a phone call from " unknown '' at XXXX.. I then got a second call from " unknown '' at XXXX. At XXXX, I received a phone call from XXXX XXXX XXXX . He stated he 's calling me with some very important information that I need about the property on XXXX. I do not have any kind of financial interest in the XXXX property. 

On XXXX/XXXX/15 I received the following phone calls : XXXX ( XXXX ) from XXXX and at XXXX Unknown No messages left. 

On XXXX/XXXX/15 a woman named XXXX left a message for me on my landlord 's phone saying I needed to call her. It was a XXXX/area code number. She did not say what the call was regarding or why I needed to call her. 

On XXXX/XXXX/15 I got a call from Worldwide Asset Services XXXX that was an automated message. It stated that they 've left messages for me to call them but I have n't returned their call and it 's very important that I call them. The number they left was XXXX. Same message was left on my landlord 's phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 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: MN

Complaint narrative:
We rented an apartment on XXXX XXXX XXXX XXXX XXXX # XXXX XXXX mn XXXXWe were XXXX people and we paid the rent on time until we moved out, when we moved out they found few damaged things on the kictchen and they wanted us to pay {$710.00} dollars and they all refused and they went ahead and put all this money on my credit alone, now am trying to rent aplace and this credit agency by the name hunter Warfield phone XXXX they are threatening me that l alone am responsible for this amount, why do n't they give my share since we were XXXX people who used to live on the apartment, the manager of the property as said he as nothing do do with this amount and they have spoken to the place a want to rent because I was a good tenant and they have refused. This is not a good business act to me, they are acting rude to me and punishing me .I need help so that this thing can be removed from record

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation