vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
I fell behind on my mortgage due to loosing my ex 's household income, I also was XXXX at the same time & lost my job. I have applied for a modification on serveral occasions with Ocwen, and they deny me every time stating that the " investor does n't allow a modification ''. My attorney found my mortgage papers and the investor XXXX XXXX XXXX trustee ) had a clause in the loan stating that the loan could not have a modification. I contacted the trustee, they said that the servicer can allow a modification, me servicer XXXX Ocwen XXXX still refuses to allow a modification. XXXX has turned me down because of the investors clause. My attorney has stated that a foreclosure judge can not order Ocwen to offer me a modification. that my only option is to file a BK XXXX if I want to save my home. I 've spoken with BK attorneys and even doing a bk XXXX, the monthly payments would be too high for me to afford. I am now working but had to take a lower pay because not a lot of companies will accommodate the time I need to take off for my XXXX needs

Company response to consumer: Closed
Consumer complaint received 2016-09-11 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Tri-State Adjustments, Inc.
State: NC

Complaint narrative:
I was sent a notice to pay a {$60.00} debt to XXXX after my insurance company paid the remainder for a XXXX that I received. I went to the company 's website and immediately paid the debt on XXXX XXXX, 2016. I then received XXXX notices from XXXX expecting me pay the debt that had already been paid. I called the XXXX and they stated to me that they had not inputted the payment correctly and that it was taken care of. I then received a notice from a collections company stating that I owed them {$60.00} plus various late fees. I then called the company, and they stated that I had no balance. On XXXX XXXX, 2016, I received a notice from Tri-state Adjustments that I now owe them XXXX for a debt that was paid in XXXX. I was told to email them the digital receipt that I received from XXXX. I have done so on 3 occasions, but they have claimed each time that either they did not receive the email, or it was blank. I called XXXX to see if they would be able to resolve the issue, and they said that they were unable to because the company that they work with had already sold the debt. This appears to have happened before I even received notice of the debt in the mail as I called the day that I received the notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Wired Funds to Ocwen on XXXX XXXX, funds previously wired credited properly with same information. Credit has been damaged due to Ocwen reporting base on their error. Unwilling to immediately correct situation which blocks my chance of refinancing and rates are going up. This error is now costing me money as rates rise and has lowered my credit score

Company response to consumer: Closed
Consumer complaint received 2016-02-19 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: AmeriCash Holding LLC
State: IL

Complaint narrative:
XXXX site said it is normally 20-35 % interest, but when loan documents arrived in mail, it stated 365.6258 % yearly. I was given {$3300.00} and so far I have paid {$3700.00} and they are demanding wage assignment to collets {$3700.00} in additional fees. Loan was made XXXX XXXX XXXX and is scheduled to complete XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
I called into my mortgage servicing company Ocwen Loan Service LLC as I usually do on my Friday ( my payday ) or Monday ( if there is carryover ) to pay the monthly amount due. I admit to behind on my payments, but pay the set amount monthly amount as to avoid foreclosure. I go through the automated system to avoid their incompetence, rudeness and lengthy processes which can easily eat up my entire lunch break. On Friday XXXX XXXX I made my monthly payment of {$600.00}. Not only did Ocwen drag their feet with processing that payment but 4 days later on Tuesday XXXX XXXX, they went into my account and withdrew additional funds WITHOUT my consent! I found this out when I made this month 's payment of {$600.00} and found an anonomous charge mentioned on their automated payment history breakdown. I called the company and inquired and was told that Ocwen took this amount out for an inspection charge where they have someone come by my property and make sure I am still a resident. Ocwen has a policy that before any late fees or additional charges accumulated can be paid off the initial back payments of monthly mortgage amounts due must be paid off first! Any amount that exceeds the {$600.00} will be held in " limbo '' and applied AFTER the back payments are made and not applied to the debt itself. Therefore Ocwen VIOLATED IT 'S OWN COMPANY POLICY! There is NOTHING on their website or paperwork stating that they can just pull money from my account for this purpose. I NEVER gave them authorization to pull this amount from my account! I RECORD EVER CALL I MAKE TO OCWEN WHETHER IT BE WITH A REPRESENTATIVE OR WHEN GOING THROUGH THE AUTOMATED SYSTEM MAKING PAYMENTS! I ARCHIVE ALL THESE MESSAGES. Ocwen WILL HAVE NO PHONE CALL on XXXX XXXX from me AT ALL! They went into my account ILLEGALLY! I have evidence NOT just of this but I caught them in past lies and the representative was warned and hung up on me when I revealed that they had lied! The amount was small but it 's the principle I am more than willing to FIGHT FOR! I alerted them yesterday that I will be filing a complaint and that I RECORD ALL THEIR EXCHANGES!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
The response is fraudulent because I XXXX XXXX legally own the property at XXXX XXXX XXXX XXXX XXXX XXXX, MA, XXXX and I do not have any mortgage on this property and neither does my father XXXX XXXX, The only signed mortgage notes are registered at the registry of deeds XXXX from XXXX Mortgage that has been discharged and the other from XXXX a division of XXXX XXXX Bank and no payment has been made on neither of them for over six years which is well passed the statue of limitations for the state of MA, as confirmed with the Federal Trade Commission. XXXX and Ocwen Loan Servicing LLC does not have any signed supporting documents such as notes registered at the registry of deeds, because of this XXXX and Ocwen Loan Servicing are breaking the law by denying me my Human and Constitutional Rights and also committing bank fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
Can you help me or tell me who I can contact for help? My husband andI are 3 months behind in our mortgage payments to OCWEN. Wecontacted them for a loan modification. Yesterday we received a trialperiod modification that expires in 8 days. We were told what our newpayments would be, which are only {$40.00} less than our current paymentsare but they did not give us any other information about the terms of themodification. We were supposed to approve these new terms blindly in8 days ( by XXXX XXXX ) without any idea of what the new terms would be. 
Are they supposed to give us the written terms with the trial paymentletter? Because they did n't. 
My husband called OCWEN yesterday evening and asked about theterms of the modification. OCWEN said that we would have the sameinterest rate but they were going to add another 13 years to our loan tomake it a 40 year loan. The new payment would be {$1300.00}. For a {$40.00} reduction in monthly payment, we would have to pay an extra 13years of mortgage payments at {$1300.00} per month, or {$15000.00} peryear, totaling {$200000.00} in extra payments to reduce our mortgagepayment {$40.00} per month! Our outstanding loan is only {$140000.00}. 
Is this legal? Can they really consider that to be assistance? They'renot helping us, they are helping themselves. I think they want toforeclose on our house because we have equity. They are telling usthis is our only option. When we asked about the XXXX insettlement funds, we got the run around. We were told that we weren'tflagged for that money and that money was used for people who hadalready been foreclosed upon. I told her that was untrue, that only aportion of that went to people who were foreclosed already and that therest was earmarked for current customers underwater and/or havingdifficulties. She continued to give me the run around and was n't beinghelpful at all. When I finally asked for a supervisor, she put me on holdfor so long that I finally hung up. She never called back. I 'm sure sheleft me on hold to intentionally avoid discussing the settlement fundswith me. 
Is there anybody who can help us? 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: ME

Complaint narrative:
Do to medical situations Myself and my Wife can no longer make our mortgage payments. Our home has been for sale since XX/XX/XXXX with not even XXXX offer until two weeks ago. The offer is less than the total balance but agreed to the lesser amount. Myself and real agent submitted the paperwork that was requested by Ocwen XX/XX/XXXX I received a letter from Ocwen XX/XX/XXXX stating " kindly provide a copy of XXXX benefit statement income in financial form of RMA ( XXXX XXXX XXXX '' The next line stated " Kindly provide a valid copy of bank statement reflecting XXXX latest transactions for the XXXX income. ( XXXX ) My wife faxed Ocwen the requested information again on XX/XX/XXXX. Another letter was received from Ocwen XXXX XXXX stating " Kindly provide a copy XXXX benefit statement income mentioned in financial form of RMA. " I called and spoke with a representative and asked them to be more specific on what exactly they are requesting. After I explained my wife does not receive a monthly statement from social security and the XXXX confirms her yearly earnings and the bank statement confirmed her monthly earnings the representative agreed and said that was all they needed. So today I have received another l asking me to provide the same information. Another call to Ocwen was terrible and they could not provide me with the what they need for additional paper work. I was transfered to a manager that basically would not listen to my questions and could not provide the correct answer as to what documentation they want. My real estate broker told me its a horror show dealing with Ocwen and now I agree. I had to spend alot of my time in a hospital. I feel so bad to sell my home and its turning into something no one should have to go thru tryning to deal with Ocwen.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
I purchased a warranty for my home thru Owen. I paid the XXXX every month with my mortgage payment. For some odd reason my mortgage payment was reduced XX/XX/XXXX - XX/XX/2015, unbeknownst to me they stop paying the warranty company and the contract was cancelled XX/XX/2015. XX/XX/2015 my mortgage increased again and the XXXX warranty fee was included on my mortgage statement. My question is how can they stop & start the warranty fee and not notify me. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I opened a secured credit card with Orchard Bank, and deposited {$500.00} in doing so. The account was later consolidated into HSBC and then again into Capital One. I closed the account today and spoke with a representative afterwards to request return of the {$500.00} security deposit. I was told they show the account as unsecured and that the funds should have been returned to me prior. I was then told to call some other number ( turned out to be a voicemail for lady at a small community bank, with no apparent connection ). I am seeking help for the return of my {$500.00} security deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
My property is a association maintained property which means they do all the maintenance such as cutting the grass and trimming of tress on a timely manner. This happens even when a property is for sale ( such as mine ). As confirmed by en email from the property XXXX there has been cases where a bank sends a company to cut the grass and trim the trees not realizing the property is a association maintained and the company charges the bank even though they dont do any thing ( my case ) I am demanding for Ocwen to refund me {$210.00} that they have charged me ( it is not my problem that the company XXXX is a dishonest company and charged them for the work never done ) .To cover themselves they even took some before and after pictures which is in black and white and you cant see any thing from them. That is not my issue and i need my refund as i paid a fee of {$97.00} a month to association for them to this work which has been done since i bought the property. i will hire an attorney to take legal action if they are not refunding my money now.i have send the email from the association manager with all above information to XXXX office of the consumer ombudsman as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
I had a loan with GMAC they went out of business and Owen was my lender for my mortgage I had to hire a consultant to fix my problem with them .they had fraudulent claims on me with my loan I spoke with XXXX attorney general office the issue was resolved after I paid XXXX dollars .they made fake claims against me spoke with people from XXXX who did not have a clue what I was saying I was forced to get a modification now my credit is ruined I wo n't to move and quicken loan tell me Owen states I was two years late on my bills this is because of Owen fraud I need my credit fixed so I can buy a new home and run away from Owen

Company response to consumer: Closed
Consumer complaint received 2016-09-03 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: HW Holding, Inc
State: FL

Complaint narrative:
I XXXX XXXX and my brother XXXX XXXX were contacted by HUNTER WARFIELD COLLECTION AGENCY ( XXXX ) XXXX, stating that we owe the amount of {$8000.00} which owed to their client, XXXX AT XXXX XXXX address : XXXX XXXX XXXX XXXX , XXXX, FL XXXX. 
I XXXX XXXX and my brother XXXX XXXX no longer live at XXXX at XXXX apartments from the address above since XXXX XXXX, 2015, due to the purchase of my new house and the balance that we owed was zero dollars at that time. 
As the agreement we came on with Property manager XXXX XXXX XXXX on XXXX XXXX, 2015, in finding the new tenants XXXX XXXX XXXX and her roommate to take over the remaining of the lease and all rent responsibilities. XXXX XXXX agreed to tenant replacement and notice letter was given to her on XXXX XXXX, 2015.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
On Monday, XXXX XXXX, XXXX, I sent a letter in response to a Notice of Collection regarding my mortgage servicer Ocwen attorney. In said letter, I adamantly disputed the validity of the ( amount XXXX unverified but allegedly owed debt, and requested a full disbursement/breakdown of that amount. I requested that the breakdown contain the accrual of interest, late charges, insurance fees, and any other applicable charges. Additionally, I asked for a full tax disbursement dating from XXXX ( or from the inception of the loan ). The property in question had Tax Reductions since XXXX ; so I asked that the following be specifically included:1 ) Disbursement XXXX Town Tax,2 XXXX Disbursement of XXXX School Tax XXXX and3 ) Disbursement of XXXX Tax. 
However, all that I have received to date are Closing Documents dated XXXX XXXX and a package of statements from XXXX and XXXX a huge gap XXXX to XXXX. These do not even slightly correspond to my request, nor do they substantiate the amount allegedly owed. Therefore, I reiterate my need and legal right to see the audit trail and applicable fees that supposedly add up to that exorbitant amount. THIS DEBT IS NOT VALID WITHOUT SUCH VERIFICATION. 

XXXX my disputation of the validity of the debt and my request for corroborative information were timely made ( within the allowed thirty XXXX 30 XXXX day period from receipt of notice ). However, I have not been afforded due diligence and good faith in reply, as I am still waiting for evidence of the debt 's legitimacy. Moreover, I have been notified by lawyer letters on my property in XXXX Court, New York. This action was commenced by your filing Notice of Pendency in XXXX XXXX XXXX XXXX XXXX, for a Foreclosure Notice, which has be given without first proving that it has legal warrant - i.e., I have not received the requested information. Therefore, adherence to regulatory procedures as well as to the standard established by the FAIR DEBT COLLECTION PRACTICES ACT ( " FDCPA '' ) in this matter has been inadequate and short. 

Accordingly, the law requires that this failure to adequately respond to my request be remedied before any further adverse action is taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
My loan servicer is Ocwen. Since the beginning of time of XX/XX/XXXX i have had so many issuesOn this shared appreciation modification, I had a lawyer, the person i dealt with lied, said no XXXX, yet they issue XXXX, then recant, then reissue. They up property inspection fees with notice, and will not show proof who these people are when date time. I had fallen behind again due to property damage and have court documents, and loss of job, i just got a job, after reviewing information, i had not noticed, i saw back in XX/XX/XXXX they took my whole down payment and applied to escrow, they had been over escrowing for a while causing further burden and it took almost a year for them to fix but put me further negative and reporting, they report to bureaus not more than 90 days i am not 90 days, they applied first payment in XX/XX/XXXX they put it all into an escrow, no where in modification did it say that the guy on phone the other day said they can do what they want with down payment? how is that. They know i live here, the other relationship manager is not there, she was uncooperative, i have challenged fees, etc nothing is done. I am at a loss since 8 years, its beyond stressful and I give up, you sue them what good does it do they do what they want. I am told they ca n't call my house because i do n't accept blocked numbers, i work for a bank, you have to identify your number, so i am forced to let them use my cell. they have no personality, i am given vague inconsistent information, i just give up. XXXX and XXXX scammed this from the beginning, my mortgage is assigned non stop, there is an allonge i never saw until online ocwen has personal information posted under their mortg docs on my child support. they over escrowed please help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: DC

Complaint narrative:
I submitted 2 mortgage payments to Ocwen Financial, one on XXXX/XXXX/2016 and XXXX/XXXX/2016. Both payments were not credited to my account until the next day resulting in erroneous reporting to credit bureaus. I made the same payments on another mortgage with XXXX which both were credited the same day. Ocwen is the only company that will not post payment same day resulting in additional late charges and erroneous delinquent credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
Ocwen has been sending me payoff quotes with incorrect ( double ) charges for interest and a ficticious " satisfaction cost '' of XXXX $ just to pay-off my loan. In none of my original loan documents is this a required cost. I would also note that on the previous payoff quote from last month the interest has approximately XXXX that of what it is now and greater than my current montly payment.

Company response to consumer: Closed with explanation