vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-20 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Ocwen is not complying with the Ocwen National Servicing Agreement and the National Mortgage Settlement. Ocwen is relying on a fabricated document to conduct a foreclosure sale. The mortgage transfer filed in XXXX XXXX was filed by a known robo-signer, XXXX XXXX. According to the National Settlement website, " The consent order addresses Ocwen 's misconduct during the mortgage servicing process. It also covers XXXX companies previously purchased by Ocwen, Litton Loan Servicing LP ( " Litton '' ) and Homeward Residential Holdings LLC ( previously known as American Home Mortgage Servicing, Inc. or AHMSI ). Ocwen must also pay XXXX to the nearly XXXX Ocwen, Litton, and Homeward borrowers who have already been foreclosed upon and Ocwen must adhere to significant new homeowner protections. 
The consent order requires that Ocwen follow the servicing standards set up by the XXXX National Mortgage Settlement ( NMS ) with the XXXX largest banks. Ocwen 's compliance with this settlement will be monitored by the same professional monitoring team currently in charge of enforcing the NMS, led by former North Carolina Banking Commissioner XXXX XXXX. '' According to the United States Department of Justice News Release, " The court documents filed today also provide detailed new servicing standards that the mortgage servicers will be required to implement. These standards will prevent foreclosure abuses of the past, such as robo-signing, improper documentation and lost paperwork, and create new consumer protections. The new standards provide for strict oversight of foreclosure processing, including third-party vendors, and new requirements to undertake pre-filing reviews of certain documents filed in bankruptcy court. The new servicing standards make foreclosure a last resort by requiring servicers to evaluate homeowners for other loss mitigation options first. Servicers will be restricted from foreclosing while the homeowner is being considered for a loan modification. The new standards also include procedures and timelines for reviewing loan modification applications and give homeowners the right to appeal denials. Servicers will also be required to create a single point of contact for borrowers seeking information about their loans and maintain adequate staff to handle calls. '' Ocwen is continuing with the foreclosure abuses of the past by relying on this robo-signed document and by listing our home for foreclosure sale while it is being reviewed for a loan document. All documents have been received for the loan modification by Ocwen as of XXXX/XXXX/XXXX. Ocwen 's account analyst from the Consumer Ombudsman nor Ocwen 's legal attorney, XXXX XXXX are familiar with the new servicing standards or the Ocwen National Servicing Agreement and the National Mortgage Settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
After many repeated attempts I can not get them to release a tax payment of {$610.00} that is due to the XXXX County Tax Claim Office.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HW Holding, Inc
State: TX

Complaint narrative:
Hunter warfield has continued to report false information to the credit reporting agencies. Hunter warfield has been exstremly neglegant rearding aquring accurate account information on behalf of the creditor XXXX. After being removed from my credit report in XX/XX/XXXX, Hunter warfield has falsley reported yet again on my credit. I do NOT owe XXXX dollars to XXXX. in XX/XX/2015 i was late on my rent of XXXX $ and was subsequently evicted in XX/XX/XXXX. my least of 1 year was up in XX/XX/XXXX. I paid the amount of XXXX $ to XXXX. according to the laws of TN the carpet must be changed every 4 years and the previous owner of the aprtment as there two, I was there two, yet eagle point charged me XXXX for carpet. eagle point then charged me for XXXX mis for clothes that were on the floor. The state law stattes that apartments may not profit from the eviction. Hunterwarfield has not provided me a recipt from the carpet nor the claening. so in truth, there are no real charges to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
Ocwen foreclosed on my home. Ruining both my credit and my life. Since then I 've only been able to rent hole-in-the-wall places. Recently I received a letter that ocwen had misdated letters. I went through the entire process and received {$2000.00} " settlement ''. However, this does n't even come CLOSE to making up for what Ocwen did. My credit is now ruined by foreclosure. I think they should remove the negative information since THEIR misdated letters caused it. I 've been thousands to move into a new residence that I would not have had to pay had Ocwen not improperly foreclosed. And to top it off, Ocwen has people coming into the house BEFORE THE SALE DATE stealing our things. I lost a tool bench that was my fathers and had extreme sentimental value to me. Ocwen was to look into it but they never did. I think Ocwen owes me a lot more than {$2000.00}!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
We recently sold our house on XXXX XXXX and OCWEN is the mortgage servicer. Complete payoff was sent on XXXX XXXX to OCWEN. We had to file a complaint with the CFPB just to force OCWEN to process the payment and show that our loan was paid in full. Now, OCWEN is holding {$340.00} of overpayment in a " suspense '' balance. They have had this money since XXXX XXXX and have paid us an escrow refund but not the suspense money owed to us. They also received a refund of our property taxes of {$600.00} paid on XXXX XXXX. That money has not been returned to us. OCWEN has now had the " suspense '' money for over XXXX month and the property tax refund for at least XXXX weeks. On a payment reconciliation report OCWEN provided to us through another CFPB complaint, dated XXXX XXXX, OCWEN did not even show receipt of the property tax refund. Once again, OCWEN is sitting on money owed to us - effectively stealing our money and earning interest on our money. With today 's technology there is no reason a mortgage cant be paid in full with all suspense moneys and refund monies being paid back within XXXX weeks. Our last complaint through CFPB ended with OCWEN admitting they had a system error. Is this another system error, or another way to earn interest on monies owed to consumers?

Company response to consumer: Closed
Consumer complaint received 2015-03-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: SC

Complaint narrative:
OCWEN Loan Servicing took over my loan in XXXX 2013. They are claiming we are 2 months behind on our payments. I have documentation of XXXX cashed checks representing the XXXX months we have been serviced by OCWEN. They have not applied our payments correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc
State: NV

Complaint narrative:
Somebody put in a fraud alert on me. We are buying a home and the lender just called me and asked me if I did it. I 'm sure it was a collection company out of Florida that did it to muddy up my loan!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: HW Holding, Inc
State: IL

Complaint narrative:
I won a case against a XXXX in XXXX. The judge ruled I notified the company in enough notice and was due a refund of the security deposit. The company sent the account to collections. I contacted the company and submitted disposition of the case. Hunter Warfield informed me that it does not matter what the court of law rules. They are in XXXX and I will be sued and taken to jail if I do n't pay. I can not understand how a debt collection agency state they have more power than the courts and they do not have to abide by the judges rule. This is a direct violation of FCA and illegal.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
*Submitted loss mitigation package XXXX/XXXX/2015. File was deemed complete XXXX/XXXX/2015. 
*This file has been in and out of review 8 times. I have attached dates and case tracking for your review. 
*I have escalated this file to Ocwens escalation department on multiple occasions. I have also attached those documents for your review. 
*I am asking for your assistance with the loss mitigation process with this servicer, Ocwen . The only response that I have received from the last escalation is " under review ''. Documents are aging, not because of a delay with the borrower, but because of Ocwen. The borrower is faced with great difficulty each time a document is requested. It feels as if this servicer wants the borrower to give up. Each delay is pushing the borrower to that point. The borrower does not have enough equity to make a reverse mortgage feasible. Prior to entering into the loss mitigation process the borrower had researched refinance options but was told there was no way to approve because of income. She could not have afforded the appraisal or closing costs to refinance. 

*We need help and oversight.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NV

Complaint narrative:
OCWEN LOAN SERVICING , LLC continues to use the United States Postal Service to mail fraudulent statements to me on a monthly basis, claiming I owe them over {$500000.00}. I never contracted with OCWEN LOAN SERVICING , LLC . They continue to telephone on a weekly basis demanding unsubstantiated amounts, usually in the range XXXX of dollars at a time. I have written many times asking for verification of this alleged debt and have not received proof they are the holder in due course.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Churchill Holdings, Inc.
State: ID

Complaint narrative:
XXXX XXXX at Churchill Mortgage understood that I have a XXXX. My husband XXXX and I were told that we qualified for a FHA loan, and that we could indeed move from XXXX to a cooler climate in XXXX hoping to benefit my health. XXXX told us to find a longer term hotel, so we paid {$1400.00} for one month at the XXXX XXXX XXXX, while XXXX told us to use a realtor by the name of XXXX XXXX at XXXX XXXX. Once we were up here, XXXX told us that we had to rent out our paid for condo and show him the year lease, otherwise we would not qualify. We hired XXXX XXXX, and they rented out our home. We had an inspection on the home, it was loaded with live cockroaches, and XXXX insisted I get the house and live there with the cockroaches while an extermination company would use chemicals to kill the bugs. With my XXXX, this would only worsen my symptoms. After this, XXXX told us that since we were not happy with his mortgage company, that " although we qualify for the loan, we need to go elsewhere for the mortgage. '' We can not go back to our home for a year, we can not get a loan, we have contacted about XXXX mortgage companies, and no one will help us. My house is paid for, I am XXXX and now where do I live? My credit is XXXX, my husband is a veteran of 21 1/2 years in the XXXX, and we have been working all of our lives. We are literally homeless, and a victim of XXXX XXXX from Churchill Mortage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HW Holding, Inc
State: NM

Complaint narrative:
Telephone calls received from Hunter Warfield for the past 11 months. Have not ever answered the calls -- can not provide details of reason for calls. 
Suspect that reason for call is a medical debt that my son 's wife owes. I have no debts and I owe no debts. 
Calls come from phone numbers XXXX XXXX XXXX, caller id is Hunter Warfield and XXXX XXXX XXXX, caller id is Toll Free

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
In XX/XX/XXXX I was no longer able to pay for my mortgages on my vacant house in XXXX, New Mexico. This house had XXXX mortgages : the first with OCWEN, the second with XXXX. I attempted a short sale on the house and was unable to sell it. I filed for a Deed In Lieu of Foreclosure ( DIL ), which OCWEN granted, provided I clear the lien with XXXX. 

On XX/XX/XXXX I was able to provide OCWEN with an acceptable Settlement Agreement from XXXX so that OCWEN could settle the second lien. That Settlement Agreement expires on XX/XX/XXXX. OCWEN sent me a DIL packet, which I returned on XX/XX/XXXX. On XX/XX/XXXX, I called OCWEN for a status update and was informed that my DIL application had already been denied ( as of XX/XX/XXXX ) because an entity in the chain of mortgage servicers, namely XXXX Mortgage, was out of business and presumably might still have an interest in the property. 

Upon digging through my document archives, I discovered that XXXX Mortgage had initiated a loan with me, which it transferred to GMAC Bank on XX/XX/XXXX. Per common knowledge, GMAC subsequently went out of business and OCWEN purchased its loans. So, the point here is that OCWEN had denied my application because it failed to recognize that XXXX Mortgage was a servicer on the very loan that OCWEN is now servicing! 

I provided OCWEN with supporting documentation on XX/XX/XXXX and informed OCWEN of the situation. Since my request had been denied, I had to wait for an OCWEN agent to be assigned back on to my request. I have reminded OCWEN multiple times that my Settlement Agreement with XXXX expires on XX/XX/XXXX. I have requested several times that OCWEN expedite this DIL. 

My Settlement Agreement with XXXX is about to expire and I do n't think that OCWEN is working in good faith on my request. In my most recent interaction with OCWEN on XX/XX/XXXX I was informed that I may have to extend my agreement with XXXX because no guarantees can be made about the speed at which OCWEN can operate.

Company response to consumer: Closed
Consumer complaint received 2015-09-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MI

Complaint narrative:
I would like to make a complaint against Carrington Bank. XXXX XXXX XXXX sold my mortgage to this company in XXXX of 2015 with no notice to me. Carrington Banks has increased my mortgage payment with no explanation. When I try to call to ask, they claim it is because they need a " two month '' cushion for escrow payments. They have also consistently made sure that my payment is late, either by telling me that my bank account is not valid and then locking me out of my online account. These actions then force me to call Carrington and pay by phone which costs an extra XXXX dollars + the XXXX dollar late charge + the 30 day late payment on my credit report. Plus Carrington, then sends letters that they are starting foreclosing process on certain dates because my payment is late. I would like to refinance to get away from this company, but Carrington has made it impossible to do so because it looks like I am constantly late on my payments. PLEASE ADVISE HOW TO GET AWAY FROM THIS COMPANY!! 
I know I am not the only person to have these problems. If you look at the complaints on XXXX and other various online sources. There are many people facing the same issues. This mortgage business is not even BBB verified!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
My mortgage statement for XX/XX/XXXX showed a balance of XXXX in my escrow account going forward into XX/XX/XXXX. I have always been at the required amount or ahead. My escrow payment is usually XXXX monthly. This month I received a statement on my bill informing me that they were increasing my monthly payment from XXXX to XXXX a month and then to expect another increase for next month to XXXX. It also implied that my new payment would now be XXXX for the remainder of the loan. That would be {$1100.00} per year more just for escrow fees ). The statement said that I would receive a letter explaining why the escrow shortfall occurred. I do not think the taxes and insurance changed that much. I have not yet received any letter explaining how the deficit occurred. The information on the letter also informed me to access assistance on the OCWEN web page but the link they provided is not working. www. ocwencustomers.com

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
It appears that the Ocwen mortgage loan and the XXXX XXXX bank loan are showing as XXXX separate mortgages. The XXXX loan was transferred to Ocwen during the Short sale process. I was told that due to the opening dates being the same, it is appearing to other potential lenders that they are XXXX separate mortgages. This is severely affecting my borrowing abilities and request it be taken care of. Neither lender will work with me on this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Duncan Solutions, lnc.
State: MI

Complaint narrative:
Parking ticket in City of XXXX on XX/XX/2016.The plate number XXXX is not in my name, I never own this plate number, for the last few years I do not have any car in my name, I did consign for this car or any other car, I conformed this with local office Secretary of State, to obtain an official report that will cost a lot of money and effort, I disputed this ticket with collection agent ( Professional Account Management ) few time. they asking me that either i pay the ticket which is not mine {$95.00}, or I provide them with an official report from the Secretary of State lasing Michigan which will cost a lot of money, so what mean I paid either way. It is their responsibility to prove that plate number in my name, not the other way around, I am willing to request an official request from the Secretary state of Michigan lasing office, but they should pay the cost of report if the this plate is not in my name or I am not a cosigner for this car.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
In XXXX and XXXX of 2014 we received a phone call from Ocwen Company stating that our house payment was due and we were late. Immediately, we explained to them that the payment was sent and received by them on XXXX XXXX, 2014. They said that their records did not show anything. Since we have proof from our XXXX bank account we immediately faxed the statement from the bank. The employees from Ocwen Company kept arguing with us that we had n't made the house payment. My husband and I kept sending information and proof for about 8 months to the Ocwen Company but they ALWAYS denied everything. My husband and I gave up and decided to pay them another payment of the full amount. We are 100 % disappointed of being part of the Ocwen Company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
My mortage loan with XXXX was sold to Ocwen. When I have made my payments past the due date. I include the late fee with the payment. However, Ocwen does not correctly apply the late payment and my account continously shows late charges. I have called their company on several occasions to request this be corrected as it has hindered my efforts of trying to refinance my home. Creditors constanly see these late charges that I have paid an they mis-apporiate the payment so these late charges continue. I can not get any assistance when I contact thier company.

Company response to consumer: Closed
Consumer complaint received 2016-09-08 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me instead of my attorney
Company: Revenue Recovery Corporation
State: TN

Complaint narrative:
I was involved in a motor vehicle accident. I went to the emergency room for treatment and gave my insurance details. I had health insurance. Instead of billing the insurance company the hospital sent me the bills. I repeated told them to bill my insurance company. After few months I hired a lawyer. My lawyer called the hospital to bill my insurance company. Despite my and lawyers repeated calls to bill my health insurance the hospital sent it to collection company. I do not remember receiving any call from them. I found out about the collection debt when I applied for a home equity loan. The emergency doctor who treated me in the emergency room billed my insurance company and he got paid. This is an unfair, aggressive and illegal debt collection practice. The hospital is XXXX Medical center in XXXX XXXX TN

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