vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-04 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CT

Complaint narrative:
First of all good morning and thank you for taking the time to help me. My issue is with Ocwen, who is a debt collector, supposedly working on behalf of a XXXX XXXX. I know with certainty the product is not regarding a mortgage, though that is what I have been led to believe all along, so am choosing the " mortgage '' option as a default. The product sold to me is more like an installment loan with patents, copyrights and trademarks behind it but that is not what my complaint today is about. 

Regardless of what the underlying instrument actually is on the " mortgage '' account in question, I, a woman, have been trying in good faith to settle the account for quite some time now. Not only is this debt collector engaging in unfair and deceptive business practices, but they also leaked an internal email to me clearly showing collusion and collaboration among their employees and outside counsel. I made a monetary offer to settle and the internal employees ganged together saying this would not be an option and the account in question would accelerate to foreclosure if I did not accept the unsolicited modification they offered me - is n't that like the XXXX asking for a protection payment or something? Sure, the world of debt collection is a dicey proposition but this seems to reach above and beyond fair debt practices. 

I am a reasonable woman, looking for a reasonable solution. I am not interested in more chicanery and deceit with Ocwen or its affiliates. 

I am also attaching a letter from an independent auditor regarding the instrument in question. This may or may not be useful in your investigation of this matter. 

Thank you for your time. I really appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Revenue Recovery Corporation
State: TN

Complaint narrative:
Revenue Recovery Corporation attempted to change credit card amount they where not authorized to do. They changed my debit card XXXX which they where only authorized to do XXXX for a payment. This is an ongoing issue with different people I have talked to regarding this account. The company does not call you back to resolve an issue with the account and continue to lie about whether my wife or I authorized money to be taken out of our bank account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: UMPQUA HOLDINGS CORPORATION
State: AZ

Complaint narrative:
We applied for a $ XXXX mortgage loan XXXX % down from Umpqua Bank. Despite more than adequate income to make payment, excellent FICO score ( XXXX ), and prior home purchases involving Umpqua , the requests for documentation went back 4 years and were both intrusive and onerous. We understand all these loans get sold to XXXX and XXXX XXXX, but my understanding is that conforming loan documentation typically only goes back 2 years. Why the need for so much information and red-tape?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
In XXXX of 2008 I called my Mort co. GMAC to inquire about the Modification process from a letter I received from them. They told me I had to be at least 30 days behind before I could start the process. I explained that I have never missed any payments on anything and did n't feel good about being late on a Mort payment. They said it would only take 30 days or so and I should not worry about bad credit. Well that was the beginning of my 18 month nightmare!!! I have a Mort brokerage education so I knew how to put together a loan package for mortgages. After they received the completed loan doc 's they kept requesting the same information time and time again. I faxed them my tax returns alone at least 5 times. After XXXX temporary 90 day payment plans they said they were going to come up with my new modified payment. But that did n't happen. After 18 long months of not knowing what was happening with my Mortgage I finally got a letter stating the modification was denied because they could not figure out my income!!!!!! What!!! They said I had to back pay all my missed mort payments as well as late fee 's, penalties and random inspections ( to see if I still lived here ) or they were taking my Home. I had to sell over {$60000.00} from my XXXX and pay early withdrawal penalties and taxes and hand that money over to GMAC. I paid the mort the next 12 months and then hired a lawyer to help me with the modification once more. After almost 3 years of sleepless nights I finally got the modification completed. GMAC has since sold my loan to OCWEN and I did receive a {$500.00} check from GMAC for any wrong doings with the modification. I 'm now XXXX yrs old had to start my XXXX back again because the market was down almost 50 % when I sold and took a huge loss just to pay them. They knew what they were doing they knew how much money I had and they deceived me at every turn. My Loan # XXXX same # as when GMAC owned it but now OCWEN loan servicing has it there # XXXX. After the modification GMAC divested itself from any of these mortgages. They should be held accountable for the time and money I had to spend just to lower my mortgage to the current interest rate. That 's all I wanted in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
We received a permanent HAMP approval for our first mortgage on XXXX XXXX, XXXX. In accordance to HAMP 2MP, the bank/servicer has an obligation to review the borrower 's XXXX lien, offer a trial period on same, and or extinguish or reduce payments on it ( rate/principal/term waterfall ) in proportion to the HAMP granted first lien. 

Our XXXX mortgage lender, XXXX, is required to report the permanent modification using the HAMP Reporting Tool. Our XXXX mortgage lender GMAC, serviced by an XXXX Call Center in XXXX, keeps transferring me to Ocwen 's Collection Agency or XXXX . They finally advised me that the XXXX mortgage was " written off '' to their affiliated collection company, XXXX XXXX, back in XXXX of XXXX and there is a XXXX balance as it relates to Ocwen. I am cognizant that " write off '' is an accounting terminology and by no way removes the lien or debt. 

Back in XXXX of this year, XXXX XXXX sent us an offer to settle just after we had been verbally approved for our HAMP permanent modification in XXXX of XXXX but had not yet received the attached documents. 

I reviewed the mortgages and liens via our county 's Comptroller 's Office and Ocwen nor GMAC ever processed a lien on our property in addition to the original mortgage. 

Please note, both the XXXX and XXXX mortgage were DISCHARGED AND NOT REAFFIRMED in bankruptcy under Chapter XXXX back in XXXX. 

I have taken the initiative to fax the HAMP permanent modification approval to Ocwen and can not verify receipt of the fax as the loss mitigation department will not speak to me. 

We were advised that the HAMP has to be " matched '' and the Department of Treasury has to officially notify GMAC/XXXX. However, no one can verify nor deny that our HAMP approval on our XXXX mortgage was reported and reflected in the Lender Processing Services ' Applied Analytics Division ( LPS ) data base. 

Our HAMP permanent modification on our XXXX mortgage has " fallen through the cracks '' and no one can assist us as to the status of the tandem 2MP process. 

We seek your help!

Company response to consumer: Closed
Consumer complaint received 2015-08-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
XXXX as Trustee wrongfully foreclosed on our home. 

1. XXXX is named indispensable party in Federal complaint. XXXX as Trustee wrongfully answered the complaint. XXXX did not answer complaint. 
2. Attorney for XXXX represented different corporate entities regarding XXXX in XXXX XXXX XXXX Court. 
3. Loan was still in original XXXX XXXX trust after the foreclosure and sale indicating the loan had not been satisfied and removed from the trust as the Pooling and Servicing Agreement ( PSA XXXX states should have been removed or replaced by a similar loan. 
4. No original note was filed in any court and note was not assigned to XXXX. 
5. Only a fraudulent XXXX assignment of Deed of Trust was presented in court. 
6. No corporate disclosure for XXXX was filed in federal court. 
7. XXXX Memorandums from XXXX should not be used in any foreclosure actions. This should verify beyond all claims that XXXX, as Trustee committed a wrongful foreclosure. 
8. Representative of XXXX states that XXXX has no equitable interest in any of the loans that it is trustee for. 
9. XXXX, as Trustee claimed to be owner and holder of XXXX loan in federal court. Memorandums presented by XXXX show XXXX, as Trustee is not. 
10. Attorney for XXXX falsely claimed that documents presented were original, true and correct and they were not. This attorney contradicted his statements regarding same which upon information and belief could be considered perjury. 
11. XXXX is registered to do business in Tennessee. XXXX, as Trustee is not registered in TN. 
12. Fraudulent documents were consistently produced by attorney for XXXX, Litton loan, etc., but were claimed to be true and correct throughout the federal complaint. 
13. The XXXX never received any notification that the loan had been satisfied. 
14. The XXXX never received any IRS form XXXX from any entity connected with their loan. Upon information and belief, this could be considered tax evasion by these entities.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
After my point of contact told me that this file was being submitted for an approval. They came back and stated they have to order up a new appraisal/BPO. This was 4 weeks ago. We have been waiting for weeks upon weeks to get a BPO/Appraisal to come to client 's property. Every week they order an BPO/Appraisal and nothing comes of it. No phone calls, no scheduling. Nothing. Ocwen continues to state every that someone is coming will contact me. They have already scheduled a foreclosure date of XXXX XXXX, 2015. We have a buyer and the buyer is now growing impatient with the waiting process. Ocwen told my me that they will not allow an escalation. They will not reveal the investor on the loan. They only state that we will have to continue to wait for BPO/Appraiser to come out. We have been waiting for over 4 weeks ago. They are setting this client up for a strategic foreclosure. They continue to tell me that they do not know why no one has contacted me but wait another 7-10 days and " maybe '' someone will call. Ocwen is really being unprofessional about this. This is a HAFA short sale and for them not to give me any information on who else to contact is ridiculous. I need help with Ocwen. This is stressing my client out. She does not want a foreclosure on her record, but Ocwen is forcing XXXX her.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
On XXXX XXXX XXXX I submitted a compliant against Ocwen home mortgage servicing my loan because at that time I had been held in default since XXXX unable to make any payments while my loan was bought and sold numerous times. 2 years later XXXX XXXX i am still in the same situation but now after having been assigned 4 project managers with Ocwen and filled out and sent in all my HARP required information 8 total times I have had no choice but to file for bankruptcy because my total amount owed now with late fees and penalities over 7 years has my loan repay over XXXX on a loan which was XXXX but never allowed to make payments in 7 long years. I have spent XXXX on lawyers assisting me to stop their foreclosure efforts 3 times over these seven years. Each time I thought I was going to have a deal worked out with them I would be blind sided with papers of Ocwen trying to foreclose on me while I am in the middle of my work out programs with the assigned counselors. In XXXX I received a letter telling me i was denied a refinance program due to my income which was reported XXXX less then the information i provided them. Then the VERY NEXT DAY I received another letter telling me i was assigned a new counselor and to send in all my required paperwork after I had just sent in all my information and having monthly conference calls with the project manager to ensure I sent it all in. Then the letter would tell me that once all the proper paperwork was received no further action on foreclosure would occur over the next 30 days of the review process. The same letter I received 6 times. 2 times i did n't received anything for my submission.. It is so confusing at this point that when I speak to attorneys they look at me as though I am making this up. i need to move on with my life and bankruptucy due to a loan they will try to collect from me for XXXX would destroy what is left of my future. I do n't even have a solution at this point I am speechless and they need to know how lives are destroyed. lastly I have every single email, fax, paper and letter over the years as well and did everything a consumer was asked to do such as I attended all monthly assigned conference calls with counselors. I met counselors at the XXXX who were as stunned as I was with my situation. It has consumed and ruined much of my life these past 7 to 8 long years

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called outside of 8am-9pm
Company: HW Holding, Inc
State: CA

Complaint narrative:
" Hunter Warfield '' calling at XXXX and after XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
I have applied on several occasion for a home loan modification with OCWEN Loan Servicing and a Deed-In-Lieu and each time they have denied it or lost my paperwork until I stopped paying the mortgage all together. In 2012 there were enhancements made to the HAMP program that they did not follow as I am XXXX military and was displaced by a XXXX move.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I have had numerous issues with this company ( Ocwen ). I have XXXX issues now : 1. Ocwen has been charging me an extra {$50.00} per month for no reason. I have asked what this {$50.00} is for, but have received no response. 
2. I have had this loan for years and the payment was always automatically withdrawn from my bank account. Then, suddenly and without prior notice, they stopped making the withdrawal. I was on vacation when the letter notifying me of this was sent. When I returned home, I made the payment. However, they still charged me a late fee of {$140.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
XX/XX/XXXXTo Whom It May ConcernRe : Loan # XXXX Suppression/Removal from XXXX Credit ReportI am hereby submitting this complaint concerning Ocwen 's suppression and removal of my loan status from the XXXX Credit Report. This loan was transferred from Litton to Ocwen who now has the Fiduciary duty in reporting the loan status to all Credit Report Reporting Agencies. 
This two-plus ( 2+ ) year old issue remains un-resolved to -date after numerous communicative attempts through 'Customer Relationship Managers ', Accounts Representatives and Managers etc to have this resolved, ( see attached email transcript " Fwd : Fwd : XXXX Confirmation on Ocwen Loan XXXX XXXX XXXX XXXX '' ). 
The earlier XXXX Report snippet of XX/XX/XXXX clearly confirmed the presence of the loan account status on the report with Ocwen as the servicer prior to its suppression ( see attached " XXXX_Confirmation_of_Suppression_by_Ocwen.pdf '' ). 
In the attached " XXXX_Confirmation of Account Removal_ Suppression.pdf '', the XXXX Investigative Report of XX/XX/XXXX clearly shows that Loan # XXXX was deleted. 
The Full TransUnion Report of XX/XX/XXXX clearly shows that the status of Loan # XXXX remains suppressed/deleted from the Report. ( see attached " XXXXCredit_Report_XX/XX/XXXX.pdf '' ). 
Communications between both Ocwen and XXXX to have this resolved resulted in scapegoating explanations. XXXX recommended getting in touch with the Lender " Ocwen '' and Ocwen subsequently responds with the release of further misinformation and confusion in their " credit report letter '' deceptively suggesting contacting the XXXX Credit Bureau ( see attached '' Loan_Status_XXXX_From_Ocwen.pdf ''. 
With this hard evidence that is provided, I am submitting my complaint, which clearly confirms Ocwen 's illegal and deceptive manipulation of my loan account which is in good standing from XXXX that it now has Fiduciary duty to maintain. 
Thanks in advance for a final resolution to this issue that has negatively affected my credit inquiry results for the past 2+ years. 
Regards, XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I AM ATTEMPTING TO GET MORTGAGE ASSISTANCE BUT MY SERVICER, OCWEN, IS NOT ACTING IN A REASONABLE MANNER. I WAS DENIED FOR ASSISTANCE IN XXXX WHEN OCWEN FALSIFIED THE VALUE AND CLAIMED THAT BECAUSE I HAVE EQUITY, I WAS DENIED FOR ASSISTANCE. I PROVIDED COMPARABLE SALES AND A REAL ESTATE AGENT OPINION WHICH SUPPORTED LOWER VALUE. OCWEN DENIED AGAIN BUT INVITED ME TO RE-SUBMIT AND REQUEST AN APPRAISAL. I DID JUST THAT. OCWEN ALTERNATELY ACKNOWLEDGES AND THEN DENIES THAT THEY HAVE RECEIVED MY PACKAGE. OCWEN PREFERS TO PLAY THESE GAMES TO WEAR OUT DISTRESSED HOMEOWNERS BECAUSE THEY PREFER TO PROFIT FROM FORECLOSURES AND FORECLOSURE FEES.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MN

Complaint narrative:
OCWEN claimed I did n't have adequate hazard insurance last year ( XXXX ), although I sent them a copy of my policy. I received another letter saying I did n't have insurance, sent them another copy of policy. Another letter saying they have now purchased insurance and I owe them {$1500.00} from my escrow. I had my insurance company send the policy and they finally corrected the issue and refunded the money to my escrow. Fast-forward to this year ( XXXX ) and the same song and dance is occurring.

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

Complaint narrative:
My complaint involves Ocwen Loan Servicing , LLC . The lenders payment grace period is the XXXX of the month. Due to recent Strike with my company I made my payment in full with late fee on the XXXX of the month, and only 6 days after the grace period I received a Remittance Information from Ocwen threatening to foreclose on my property if I did not bring my account to current. This may all be perfectly legal documentation but how fair is it for a company to send a threatening foreclosure statement when most statements of this sort are not even sent out until a homeowner has MISSED TWO PAYMENTS! I tried contacting Ocwen and they sent a document claiming that they are within their rights to send the form when payments are late. My complaint is that I feel their practices are shady, and they have late notices which appear to be misleading and unjustified, especially for homeowners like myself who are up to date on their current mortgage payments. I have n't MISSED a month before but I am concerned that whenever the time comes when I am late by a month, ( say during my current unemployment, that this company will throw me into Foreclosure before the two month grace period.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
We are fighting to keep our home. I sent in a QWR and OCWEN in return just made a document dump and sent me a box with thousands of documents ... there is no way of understanding what document goes with what question, hence I feel OCWEN is not in compliance with RESPA. Below is what I sent to them to comply. 
Best regards. 
XXXX XXXX Attn : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX Loan Number : XXXX Ocwen Loan Servicing , LLC Lady and Gentleman. 

I received on XX/XX/2016 the box of documents that the Research department provided from my request through the Qualified Written Request to you dated XX/XX/2016. After going through the documents you provided and trying to match them up with the specific questions asked in the QWR, it is clear that all that was done, on your end wasa document dump of everything inthe file for this property.There is no way that any person could verify questions in the QWR to specific documents that you provided and I find that you are not in compliance in spirit or deed with the Real Estate Settlement Procedures Act, 12 U.S.C. Section 2605 ( e ). 

What I require is, you to take question by question in the QWR and match a document to each question you believe reflects it 's answer. You will have to make a " KEY '' like " A1, A2, A3, A4 and match question to document so one can understand what you are communicating. 

We have a lot at stake here, so lets at least be professional about it. 
Best regards. 
... ... ... ... ... ... ... ... ..XXXX XXXX XXXXXXXXXXXX XXXX

Company response to consumer: Closed with explanation