vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
I have complained about OCWEN home mortgage in the past. I recently received a mortgage payment increase notice from OCWEN which increases the payment from {$1900.00} to {$2100.00}. The statement is dated XXXX/XXXX/XX/XX/2015. There is no explanation other than " Further detail regarding the reason for this change will be included in a separate letter. '' I have not ( as of today - XXXX XXXX, XX/XX/2015 received a separate letter. In addition, OCWEN has not stopped our PMI payments despite the fact that we have brought our mortgage principal down from {$180000.00} to {$140000.00}. The original value of the home was {$190000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Consumer Loan — Personal line of credit
Issue: Account terms and changes — 
Company: First Associates Loan Servicing LLC
State: CA

Complaint narrative:
XXXX did not meet their delivery timeline. So I cancelled the order and they continue deduct money from me in XXXX 's when i cancelled XXXX XXXX. They are looking for me to jump through hoops for my refund, while they continues to take money out of my account. I have instructed the bank to place a stop payment for this debit. Called today and they are requesting after two months and no refund to send bank statements to show they have my money and it two month later.

Company response to consumer: Closed
Consumer complaint received 2015-04-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
In XXXX XXXX I requested a modification of my mortgage, On XXXX/XXXX/XXXX I was sent a package with a payment plan for 3 months. On XXXX/XXXX/XXXX I was informed that I had successfully completed the trial period and was sent details of my new payment plan showing me a principal and interest of {$1100.00} and an escrow amount of {$500.00} for a total of $ {$1600.00} with an interest rate of 3.75 %. On XXXX/XXXX/XXXX I received a statement with a payment of {$1700.00} showing an interest rate of 4.375 % and principal of {$750.00} and interest of {$910.00} and escrow of {$65.00}. Then on XXXX/XXXX/XXXX I received a principal payment of {$760.00} interest of {$910.00} and escrow of {$65.00} still with a 4.375 % interest rate. Now I am receiving a payment request for {$2200.00}. 
I do not understand why the change in amounts and interest rate Initially I had a mortgage for approx. : {$2900.00} for 15 years, I was unable to make the payments on time after my divorce and ask for the modification but it appears that now over 30 years they want me to pay {$2200.00} monthly and still have the subordinate mortgage of {$77000.00} to pay. I have tried many times to have the remove the escrow and allow me to pay it my self since I was never late or missed any before the modification, but it appears they do not care and the only response I got from Ocwen was that " if I can not pay the mortgage then sell the house ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
I received a solicitation from my mortgage company Ocwen Loan Servicing stating that our mortgage may qualify to remove the PMI from the monthly payment. We 've had the mortgage for 10 years never late and our house to date has appreciate from XXXX to over XXXX assessed value based on the comps on the block and area. We were very excited to lower our mortgage payment by removing the PMI. We wrote Ocwen back and agreed to remove the PMI. We received a letter stating to process the application we would need to submit payment of {$100.00}. We thought that was odd, but thought if would be a minimal investment. A few weeks later they sent a XXXX lady out to take pictures of our home. We received a letter from Ocwen about a month later stating that we would need to submit a principal amount to equal to 80 % of the value. They never sent any numbers or explanation. We were confused that after 10 years our home did not appreciate to the standard when we knew we purchased the home in XX/XX/2007 at a competitive price. We called Ocwen, they gave us no answers and shifted us around from person to person. We asked the XXXX what the numbers, she could not give us any numbers. We requested a written explanation where she said she does know if she could do that. This is when we feel, this is a deliberate alternate stream of income to Ocwen taking advantage of their customers. A few weeks later we received a letter saying our house is only worth {$140000.00} and we would have to submit over {$34000.00} in principal to get the PMI dropped. I smell a rat. Van you please investigate. Ocwen has not responded to BBB nor the Florida State Attorney General about this concern. 

Assessed Values of properties in the XXXX, XXXX, Virginia XXXX XXXX ( Residential ) XXXX XXXX ( XXXX ) XXXX Said property- Assessed value @ XXXX will expire this year after 10 year historic tax exemption. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Best & Be Well, XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
Ocwen has been the hardest to work with I am XXXX service member who went though a divorce and been XXXX 4 times I have gave paper work to Ocwen 5 years now so I finally called witch never could speaks to anyone right and asked for a credit for give ness witch they gave me XXXX letter in XX/XX/XXXX and the next day they said disregard the letters cause I 'm selling the house out right. 
How can you get anything done if they keep playing games all the time. I have lost Freinds soldiers leaders and come back to Michigan to deal with a company that should n't be around

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: AmeriCash Holding LLC
State: MO

Complaint narrative:
AMERICASH LOANS SAYS THEY HAVE STOPPED CALLING MY WORK PER CASE # XXXX. THIS IS A LIE BECAUSE THEY CALLED MY WORK AGAIN TODAY, CAUSING ME EMBARRASSMENT FOR THE 5TH TIME.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
We have been approved for a trial payment plan for a HAMP loan modification. The unpaid principal balance for the loan modification would be {$580000.00}, but the ending scheduled investor balance is {$520000.00}, based on the XX/XX/XXXX remittance report. According to the Pooling Service Agreement of the Option One Mortgage Loan Trust 2006-1, Section 4.04 Remittance Reports ; Advances, the obligation of the Master Servicer to make Advances is mandatory, even if the mortgagor does not make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
Indymac was the prior servicer on my mortgage loan. I applied for a modification and was approved in XXXX XXXX. The payments were changed from {$2900.00}. to {$2700.00}. I made the modified payments by money order to XXXX from XXXX XXXX until XXXX XXXX totaling {$33000.00}. The servicing of my mortgage loan was transferred to Ocwen Loan Servicing by XXXX XXXX. Ocwen did not apply any of the {$33000.00} in payments to my account and claimed that the {$33000.00} in payments were returned to me. Ocwen only returned XXXX checks totaling {$10000.00} and did not explain why they did n't permanently modify the loan. I submitted a new modification application to Ocwen in XXXX. They acknowledged receipt of the application but did not complete the review and did not send me a denial letter with an explanation. Ocwen instead commenced a foreclosure action in XXXX, which was discontinued in XXXX XXXX, for reasons I do not know. Ocwen then started a new foreclosure action in XXXX XXXX. Ocwen claims my loan was not modified.

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:
Ocwen Loan Servicing has sent me mail and left messages on my answering machine to give them updated hazard insurance information for my condominium. I have mailed it to them, emailed them, been on XXXX way calls with them and my insurers to prove I have coverage through my association. In fact I have a copy of my coverage right under my nose as I type this. They have vehemently denied they received anything from me and have forced insurance coverage that I will have to pay through an escrow account. I am at a loss of what to do. I have followed their instructions about mailing it to them, some agents have given me an email address while others say there is no email address. I do not have a fax machine, so I can not send it via fax ... although I am thinking of going to an office supply store to give it a shot. Tomorrow I will be sending certified mail with the policy so that I have some documentation they received it. I do n't want to pay my mortgage anymore because part of my money will go to mortgage insurance. I ALREADY HAVE HAZARD COVERAGE!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
I filed a complaint against Ocwen XXXX weeks ago in response to the XXXX dispute. 
Complaint # XXXX. Ocwen has continued to ignore my request to remove inaccurate late reporting on acct. # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 00:00:00
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
Ocwen contacted me by mail in reference to a debt your firm alleged that we owe monthly payments from XXXX XXXX thru XXXX XXXX, XXXX on our property I discovered this week from the XXXX that XXXX filed and recorded a Satisfaction of Mortgage on XXXX XXXX, XXXX and stated that the loan was not been assigned and has been paid in full.. This action stemmed from a Department of Justice lawsuit targeting XXXX XXXX in XXXX and XXXX. As a courtesy, I 've attached the information. 


I would like more information about this alleged debt. Accordingly, pursuant to 23 NYCRR 1.4, Substantiation of Consumer Debts, I kindly request that you provide me with substantiation of this debt. 

Pursuant to the regulation, 23 NYCRR 1.4 ( c ), for all charged-off debts, substantiation should consist of : 1. The signed contract or application that created the debt, or, if neither exists, a copy of a document given to the alleged debtor while the account was active, demonstrating that the debt was in fact incurred by the debtor. If the debt was incurred under a revolving credit account, this could include the most recent monthly statement showing a purchase, payment, or balance transfer ; and 2. The account statement at charge-off, or equivalent document, that the original creditor issued to the consumer ; and 3. A statement describing the debt 's complete chain of title from the original creditor to the present creditor, including the date of each assignment, sale and transfer ; and 4. Records showing the amount and date of any prior debt settlement agreement in connection with the debt agreed to after the effective date of these regulations. 


The regulation further requires that you provide substantiation to me within 60 days of your receipt of this request for substantiation, and that in view of my request for substantiation, you must cease collection until substantiation has been provided. 23 NYCRR 1.4 ( b ). 

I 'm also requesting all monies that were paid you regarding the loan charges you are still attempting to collect on be refunded back to me by check in 30 days. Under Loan Charges '' Any sums collected from Borrower will be refunded This loan you are attempting to collect, has no enforceable interest. '' As stated in the Security Deed filed, recorded and was not certified by the XXXX XXXX XXXX to secure the note. 


Please send substantiation of the debt to :

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: DC

Complaint narrative:
I originally sought a modification of my mortgage due to a drastic reduction of income XX/XX/XXXX. I fell behind in my mortgage XX/XX/XXXX and immediately began the modification process. The process has been comlicated by repeated errors of IndyMac and repeated requests for documentation which has previously been submitted. Moreover, once the Federal Government required the assignment of a single point of contact. IndyMacXXXX/ repeatedly changed the contact person. I have submitted in excess of fifteen modification applications with all supporting documentation.  Each time the servicer of the loan makes a generic determination that a document is stale or incomplete without providing specific information on the alleged error or missing information.  Later I found that your agency, CFPB closed my complaint despite repeated requests that it remain open when the servicer provided another boilerplate and non-responsive reply.

Company response to consumer: Closed
Consumer complaint received 2015-03-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: KS

Complaint narrative:
We are a victim of Ocwen mortgage and their fraudulent activities, such as adding misc fees and misdocumentation of our payments. They refused us a modification after 4 months of sending us letters stating " loan modification is available to you, '' then simply sending a letter stating through various successors and mergers our loans current investors wo n't allow a modification. We obtained and paid what we thought was a reputable attorney who was able to get a modification for us, they would not reveal the terms until after we made the trial payments. The terms were for us to sign we now owe {$200000.00} ( the original mortgage was for {$190000.00} in 2006 which we have paid over {$150000.00} of over the last 9 years XXXX and after paying for another 22 years they want us to pay a balloon payment of {$110000.00}! The attorney 's office originally told us not to sign until they clarified the numbers since it sounded " a bit off '', really? After nothing was done about this severe miscalculation the attorney 's office sent us an email on XXXX XXXX stating we need to sign and overnight the documents by XXXX XXXX to the opposing council ( attorney 's for Ocwen ), to which we replied ( are you kidding?!! ) we will not give up but we really do not know where to turn anymore!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I originally entered into a mortgage in XXXX and refinanced with XXXX Mortgage in XXXX. 
In XXXX XXXX agreed to pay {$320.00} XXXX dollars to settle claims of deceptive lending practices. I was not one of those whose mortgage was re-worked nor did I receive any funds from XXXX. In XXXX, XXXX brought XXXX and assumed the servicing of XXXX loans. 
In XXXX, XXXX foreclosed on the property by alleging that I owed {$88000.00} on a {$96000.00} loan. I claimed it had authority to do so under XXXX XXXX which is an open-end mortgage. The company granted only {$8000.00} toward the principal when, in fact, {$44.00}, XXXX was paid toward the refinance. 
XXXX attached a copy of the mortgage to the Complaint. The following items are missing from the document. 
1. HUD 's Case Number2. Monthly payment information, and3. Interest amount. 
Under HUD regulations, the loan was a fraudulent loan, hence, the foreclosure should be even at this point, declared a nullity.

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

Complaint narrative:
My loan was sold from Indymac to Ocwen in XX/XX/XXXX. My monthly payment went from {$4100.00} to {$4100.00}. I understand impounds, and realize they adjust with insurance and prop.taxes. This year I received and increase of {$230.00} a month. That is {$2800.00} a year! When I requested an analysis of my escrow acct. I see a double charge for Home Owner insurance, XXXX in XXXX and XXXX in XXXX. I changed H.O. Ins.a as of XX/XX/XXXX from XXXX to XXXX. On XX/XX/XXXX I spoke to XXXX ( Ocwen ID XXXX ). She agreed there was a need to go to loan serving to address the issue. I requested a breakdown of the account and to correct the issue. I called again XX/XX/XXXX and spoke to XXXX ( ID XXXX ) He said they did there checking and the increase stands. I have not received an satisfactory explanation or someone who can explain to me how this can be the case when my policy only went up {$620.00} for the year I called XXXX to verify, that the annual policy was {$2300.00}, from XXXX XX/XX/XXXX. I canceled the policy on XX/XX/XXXX, and received a refund of {$450.00} from XXXX. This is because Ocwen was only sending monthly payments of {$140.00} per month. Did Ocwen not credit me for the policy I paid them for? Can you help me??

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO.
State: NJ

Complaint narrative:
CAR ACCIDENT DUE TOO XXXX OF LEASED XXXX CAUSED A MAJOR ACCIDENT ON XXXX XXXX, XXXX. 
XXXX ON ROUTE FROM XXXX XXXX N.J. TOO XXXX, NEW JERSEY. 
DEALER NEVER FIXED THE DASH FAN, AS WELL AS DEFROSTER, THIS HAPPEN 8 TIMES SINCE XXXX XXXX, XXXX DOCTORS IN THE EMERCANCY ROOM OF XXXX XXXX, XXXX XXXX, NEW JERSEY. 
DEALER WAS GOING TOO FIX THE FIRST WEEK OF XXXX XXXX. 
MY MEDICAL BILLS WERE XXXX DOLLARS AN THE CAR WAS A TOTAL AFTER XXXX IN XXXX, NJ. 
WE CAN NOT SUE THEM BECAUSE I 'M ON PUBLIC ASSISTANCE, NO JOB, HAVE A XXXX. THEY WERE PAID FOR CAR BY XXXX INSURENCE COMPANY. 
XXXX, XXXX XXXX, XXXX, NEW YORK XXXX. 
{$22000.00} ON CAR, AN SOME MEDICAL BILLS BY XXXX, BUT I 'M IN DEBT FOR BALANCE, PLUS LOST XXXX, XXXX, AN HAVE LOST ALL MY ASSETS DUE TOO ACCIDENT. 
THEY NEVER PROGRAMMED THE COMPUTOR ON THE LEASED CAR, WHICH WAS A PROTECTION FEATURE, TOO STOP CAR. 
THE DAMAGE WAS MOSTLY FROM THE DRIVERS AIRBAG EXPLODED ON IMPACT WITH XXXX. 
THANK-YOU XXXX XXXX XXXX XXXX CLAIM NUMBER XXXX XXXX ALSO CLAIMS NUMBER XXXX XXXX MEDICAL XXXX XXXX XXXX INFORMATION AN BILLS, DOCUMENTAION. PAYMENTS CAN BE FOUND HERE OR BY CALLING XXXX GOVERMENT EMPLOYEES INSURENCE COMPANY. 
THEY HAVE EVERYTHING YOU NEED FOR XXXX TOO LOOK AT, THE DEALER NEVER FIXED THE CAR THEY ARE AT FAULT FOR THE PROBLEMS, RT XXXX, XXXX XXXX, XXXX. THEY DENIED ANY MECH. ISSUES AFTER THE FACT BUT CAR WAS A TOTAL XXXX THREE DAYS AFTER XXXX TOO YARD. 
PAID BEFORE WE GOOD FILE SUITE AN INVESTIGATE ANY MECH PROBLEMS. 
MY POLICY NUMBER XXXX WITH XXXX LOSS REPORTED XXXX/XXXX/XXXX

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: CO

Complaint narrative:
Every month I received a bill from Ocwen for my mortgage. The invoice is incorrect. It is too high. I call Ocwen and they tell me to just pay the amount on the website, the invoice is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
We Made 2 separate payments to XXXX separate Loans to Ocwen Loan Co. in XX/XX/XXXX. Both payments were cleared by our bank. Ocwen says they received the payments through their lock box system but never received the funds, so they refuse to credit our accounts. We have sent copies of the cancelled checks and all the proof they have required, but we are still getting default notices and constant harassment. We have spoken to their various departments and now trying to get them to sign a fraud investigation form from our bank so we can recoup our money and resend them our payments. We are getting nowhere. We are very concerned that this effecting our CREDIT RATING and noone will address this with us. Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
In XXXX of this year I noticed that my statements started coming with a credit, un-applied funds on my monthly statements. I wrote to Ocwen Loan servicing via there web page at that same time asking what this credit is for. I then called directly to Ocwen after no response and was told to take the un-applied credit if its there. I wrote again asking if this was an incentive for modifying our loan, again no response. This month I received a check from Ocwen for {$1.00} over payment on my escrow account. Yesterday I received a letter from Ocwen stating that my escrow account was short. I have been asking Ocwen for 6 months with no response and now my monthly payment is going up.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
XXXX XXXX XXXX filed a lawsuit against me in XXXX, 2015 even though the Statute of Limitations had expired. XXXX See attached copy of my letter to the arbitrator. ) It cost me {$240.00} to file an Answer in which I pointed out the fact that the SOL has expired, but a Judge in the XXXX Court of XXXX XXXX, AZ sent the case to an arbitrator anyway. The case is still pending and an arbitration hearing was scheduled for today, but PRS 's attorney decided to play by the rules and demanded 30-days notice, so the hearing has been continued but not yet rescheduled. 

I saw your lawsuit against PRS and the order that they dismiss all lawsuits filed after the expiration of the SOL, but these people are completely ignoring that Order and proceeding with this case against me anyway. What can I do to end this lawsuit AND get my {$240.00} back? Thanks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation