vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-15 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CT

Complaint narrative:
i have been in limbo since XXXX with my mortgage. this has destroyed my business and my family. i needed my credit to get loans to build etc ... .. i tried working with indy mac years ago but they started a modification but stopped because the FDIC was taking them over. since then the new company XXXX charges and misc charge for inspections, realtor fee 's etc ... .have just put the loan amount through the roof. i ca n't get them to give me the bills for all these charges and the licenses of the people doing these special tasks for the bank. for example the bank is charging me XXXX of dollars for realtor appraisals? they do this for free? also this needs to be done by a XXXX person. they will not send me the name of the person and copy of the XXXX or the report? if i am to pay for this why cant i get this info? this is just one of the scams and added fraudulent charges they are trying to have me pay. this again is to drive up the cost on the house to put it further and further under water.i have since found out that they have no real willingness to modify because they are reimbursed the entire original loan amount from the FDIC no matter what they sell the take house for. 
now bank has started up again with foreclosure. they ca n't produce the original note and have told me the note was lost. i was told if the note is lost. they give the court documents that are totally fraudulent. 
i spoke to a reporter who is doing a story on this whole thing and since then in XXXX thing seemed to have stopped? he found violations of so many different banking laws and sec rules. 
now the bank has hired a new attorney and they say a satisfaction of mortgage which my esq found on the town records fraud? they made a mistake and now they say i am to blame. they have use robo signed doc for years and now that it is in my favor it is my fault? i have written hundred of letter to indy mac and every time they tell me something different. i was told note was lost and i would be getting a XXXX back in XXXX? this is why it was satisfied. 

crazy thing is they are doing all this with tasx payer .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
My home experienced a broken pipe and suffered flood damage. My insurance company issued me a claim check pay to myself and my mortgage company Ocwen. Ocwen will not release the funds until they are provided with a Third Party Adjuster Worksheet. The insurance company does not provide such a worksheet, they paid out a negotiated the claim and do not provide any further information. 
The repairs have been made and the contractor is expecting payment and Ocwen will not disburse the funds held in escrow

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-19 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
XXXX XXXX is attempting to collect a debt that was discharged in Federal Bankruptcy Court three years ago. They have also placed false, negative information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
I have a mortgage with Ocwen. There is to be an ACH draft at the beginning of the month, generally around the XXXX through the XXXX, as I get paid on the XXXX. This month, no ACH draft. I telephoned and reached XXXX or XXXX through outsourcing and was told that XXXX mortgages were affected, in that an ACH draft can not occur. This is the XXXX time this has happened with Ocwen, the first time in a similar complaint I filed in XXXX of 2014. I am told I may have to pay over the phone every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
We have a mortgage with Ocwen Loan Servicing. We have been attempting to get a loan modification with them for more then 2 months now. We have sent them all the paperwork they require but everytime they call us they say something is missing. Then when we send them what they ask for they say something else is missing even though we ask them when we call if there is anything else required and they say no. The customer service reps have repeatedly lied to us saying things like we have not received this documentation so then when we email it they then say oh yeah we did get that but something is missing from it even though it is exactly what they requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Ocwen Mortgage agreed to a repayment plan since I had fallen behind because my husband had XXXX and we had gotten behind. Down payment of {$3000.00} on XXXX XXXX, 2016, and equal payments of {$1100.00} for 5 months. I paid XXXX and XXXX payments early, but I had to be late on XXXX and called them and they said that was fine. I made that payment XXXX XXXX, 2016. Then I stared receiving calls and ugly letters telling me first that I had not paid XXXX payment, then the next person said XXXX payment. I have been on the phone all day speaking with different people. They revoked the repayment agreement because I was late and have my money sitting there. Finally I spoke with a really nice guy who got them to reinstate the loan with my regular payment, but I have n't made the XXXX payment yet because they have taken part of what I sent and made it the XXXX regular payment, even though I sent them {$1100.00} for the XXXX payment and they will apply {$480.00} as soon as I send them {$170.00} to complete the XXXX payment, even though I sent the XXXX payment of {$1100.00}. The guy I spoke with today said it was noted I called, but they have the right to revoke if your even XXXX day late on a repayment option. I also received a notice this week that they are taking out insurance on my house. I have told them repeatedly that the escrow is to cover the taxes and insurance. Our loan was originally with Homeward Residential and it was in the paperwork. I have since lost my paperwork and Ocwen claims there is nothing about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Revenue Recovery Corporation
State: TN

Complaint narrative:
DISPUTED ALL MEDICAL ACCOUNTS WITH XXXX, XXXX. I HAVE XXXX MEDICAL COVERAGE. MEDICARE PART XXXX. ALSO XXXX. ITEM 'S WAS REMOVED. REVENUE RECOVERY CORPORATION FROM XXXX XXXX. PLACED ALL DISPUTED, INVESTIGATED, REMOVED ACCOUNT ONTO XXXX REPORT WHERE NEVER REPORTED BEFORE BECAUSE I DISPUTED PROPERLY THROUGH OTHER XXXX BUREAU 'S. SOME ACCOUNTS ARE NOT MINE. MG CREDIT CORPORATION SHOWS REPORTS FROM " XXXX XXXX XXXX IN XXXX, XXXX. NEVER BEEN. ACCOUNT NOT MINE. I SHOULD HAVE NOT BEEN BILLED FOR MEDICAL. INACCURATE COLLECTIONS. REVENUE RECOVERY CORPORATION DOES NOT SHOW PHONE NUMBER FOR CONTACTS AND DISPUTES. NEVER RECEIVED DEBT COLLECTIONS FROM REVENUE RECOVERY CORPORATION. ALSO. TRYED SEVERAL ATTEMPTS TO CONTACT AND DISPUTE INACCURACY TO XXXX. XXXX KEEPS DENYING ME MY FREE YEARLY CREDIT REPORT. I HAVE WRITTEN, CALLED, E-MAILED AND CANT GET REPORT. THEY KEEP SAYING MY INFORMATION IS WRONG. THEIR INFORMATION IS WRONG.

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 with explanation
Consumer complaint received 2016-05-04 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MI

Complaint narrative:
I received an e-mail XXXX ; XXXXXXXXXXXX To XXXXXXXXXXXX CC XXXXXXXXXXXX XXXX XXXX at XXXX Hello XXXX, The package entails a check of {$2900.00}. You are required to deposit the check at your bank. Do note that we deal with banks ONLY, Reason is that we make monthly reports of our transactions and financial activities to the government through the bank, so the records are required. 

STEPS TO FOLLOW You must memorize key points e.g. staff name, location of toilets etc. 
Do not use leading questions e.g. " do you sell large drinks? ". This will restrict the level of service the staff are able to provide. 
Relax, act normally, and do not draw attention to yourself. 

FIRST ASSIGNMENT INSTRUCTION BELOW You will be evaluating XXXX ( XXXX ) Money gram stores in your city. The payment you received covers all expenditures including evaluation, shopping, transport and your compensation ( salary= XXXX ) for these surveys. The balance of the money will be used to conduct a survey at the Money Gram stores. As a XXXX XXXX you should go there and study how to send money and memorize all you see at the outlet. Below is the name/info you will transfer the money/ You are to Wire {$1200.00} at each of the Money Gram money transfer outlet. 

INFORMATION FOR THE MONEY GRAM Name : XXXX XXXX City : XXXX State : MA Zip Code:XXXX Amount : {$1200.00} *You do n't need an address to send Money gram transfer, you have all that is required* * Please note, you are going to the store as a secret agent and no one must know you are working as an undercover agent or that you are evaluating them. If they ask if you are sending on behalf of another person or business, the answer is NO* BELOW IS THE EXPENDITURES BREAKDOWN : - Money Received {$2900.00} Salary {$250.00} Money gram Wire XXXX {$1200.00} Money gram XXXX transfer fees. $ XXXX Money gram XXXX transfer fees $ XXXX Money gram Wire XXXX. {$1200.00} PLEASE CHECK ATTACHMENT FOR ASSESSMENT FORM. 

Best Regards, XXXX XXXX XXXX XXXX XXXX 2016 XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: United Recovery Solutions
State: LA

Complaint narrative:
My wifes pursue was stolen before she could contact the card companies the theef had charged some things to the cards. Some how the collection agency was calling me looking for he I 'm her husband. I told the to stop calling me. They would n't stop calling. They laugh at me and said no I 'm not going to stop calling this mumber. I have them on recording.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Complaint is against the unfair and illegal practices still being carried on by OCWEN Loan Servicing. OCWEN has refused to work with me and provide loss mitigation outside of simply just wanting to foreclose my home. I was forced by OCWEN to file for Chapter XXXX bankruptcy protection in order to stop a foreclosure on my property, after they repeatedly denied me a loan modification and instead began applying all sorts of excessive and outrageous fees to my loan making my ability to catch up with the payments virtually impossible. Because of this, I fell behind and out of the blue, they served me by mail with foreclosure papers. Filing Chapter XXXX stopped the foreclosure proceeding but only temporarily as they are now requesting the court to lift the stay. OCWEN seems determined to foreclose my property and even claims that the property has no equity, which is inaccurate. OCWEN still practicing outside the Federal guidelines, something they had been fined for back in 2013. OCWEN has submitted paperwork to the bankruptcy court full of inaccuracies and misstatements. They have continuously charged me fees for things such as attorney fees, foreclosure fees, " other costs '', etc. Every time they do this, they placed my loan balance at a higher figure. OCWEN has also provided me with monetary figures that do not match others. I am currently on Chapter XXXX solely because of the actions of OCWEN against me. I had to file an emergency protection in order to keep OCWEN from selling my property at an auction. I am a Veteran ( XXXX ) and currently a XXXX, I have a full time job and the ability to make my payments, only if they would stop flexing their muscles and try working with me instead of insisting on foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-27 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
A year ago I filed a complaint on OCWEN Mortgage company because they were denying my HAMP modification from IndyMac Mortgage. This was resolved I just finished a chapter XXXX on XXXX XXXX, 2015. I was setting up my mortgage payment to come directly out of my account for XXXX XXXX, 2015. My XXXX pension payment was not cleared from the retirement payroll so I went on OCWEN website to change my payment options at that time I saw they had changed my payment from XXXX to XXXX. My payments was approved in the Home Affordable Modification Agreement. The change of my mortgage took place within XXXX days of me setting up my account. I never received anything in writing about them changing my payments. When I called OCWEN I was told it for my escrow the reason why my payments went up XXXX dollars. If I had never went back on the website this amount would have been taking out of my account and my account would have been overdrawn.

Company response to consumer: Closed
Consumer complaint received 2015-09-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Ocwen Financial Corporation
State: SC

Complaint narrative:
On XXXX XXXX 2014 my wife and I applied to Ocwen Loan Servicing , LLC in regards to our home mortgage, to have our PMI removed. We met all XXXX required points : 1. current on our loan. 2. No late or missed payments in the preceding 12 months or 60 or more days late in the preceding 24 months. 3. Proof that our property had not declined in value since the loan origination [ Appraisal from a certified appraiser that met the minimum requirements on the Loan-To-Value threshold of 80 % or less ]. 4. Submitted written request. 
Ocwen subsequently, rejected our request, we feel, unfairly!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: PA

Complaint narrative:
Dear CFPB Agent, I am filing a complaint about my previous mortgage servicer, Seterus Inc. with the business address located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, OR XXXX, tel : XXXX, due to the fact i have not received answers to my inquiries and requests for an audit of my account and payments made on my mortgage in 2015. The mortgage servicer did not properly credit my account on a number of occasions XXXX XXXX, XXXX and XXXX XXXX and statements mailed out had errors in them. I contacted Seterus multiple times via phone requesting the corrections to be made and a corrected statement be sent indicating the corrections to ensure proper crediting of my account. As I had not received the corrected statements or any response to my request in months, I followed up with a written request sent via fax on XXXX XXXX, 2015 and subsequently again on XXXX XXXX, 2015. I received a generic letter from Seterus on XXXX XXXX, 2015 confirming the receipt of my inquiry. However, as of today i have not received a satisfactory response and believe the servicer owes me money for the incorrectly processed payments. 
On a separate note, this company has no established procedures for handling client inquiries. When i contacted them via phone in early XXXX to follow up on my fax as of XXXX XXXX, I was told that the correspondence is being handled by a different department and the agents were not able to assist me. Instead they gave me a different fax number. However, I indicated to the agent that the only fax for their company that is known to me is listed on the statement and nowhere on the statement or any mail ever received from Seterus is there a note stating that for correspondence a fax should be sent be to a different fax number. Even the website does not provide any other fax number. How is a client supposed to know if the company does not print accurate contact information on their correspondence with the client. When i brought it up to the attention of the manager on XXXX XXXX, 2015 XXXX XXXX XXXX XXXX, she shrugged it off and said it was not her problem. 
In summary, Seterus Inc should be investigated for the lack of transparency in handling customer inquiries and accountability for their errors. It appears there are no established process in place to handle basic operations such as customer inquiries and no quality control processes to prevent errors in payment processing. 
Unable to resolve my issues and faced with extremely poor customer service for the past 5 years i decided to transfer my loan to another company. Seterus Inc should not be in business.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
The creditor, Midland Credit Management XXXX Inc., formerly Asset Acceptance , LLC, garnished my bank account on XX/XX/XXXX and took {$700.00}. I filed a claim for an exemption in the case under Florida law. The money that was garnished was being held by Midland Credit Management XXXX Inc. while the claim for exemption was pending. On XX/XX/XXXX at the hearing for the claim for exemption, we reached a settlement agreement that I would pay {$100.00} per month. The money that was garnished was to be returned to me. The money that was garnished was never returned to me, and I was never given credit towards my outstanding balance for the {$700.00}.. I have been calling the company for two months now and no one at the company can tell me why my money has not been returned or credited. I have met my monthly payment obligations of {$100.00} per month pursuant to the settlement agreement. I want the {$700.00} returned to me. I am aware that Asset Acceptance , LLC was sued by the FTC in XX/XX/XXXX. Meanwhile, they have opened a new company called Midland Credit Management , LLC at the same address in XXXX, MI.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I have a current mortgage account with OCWEN that they took over from GMAC when they went BK. 

they were reporting my payments to the XXXX credit agencies and then stopped. I filed a BK XXXX myself and it was discharged in 2012, they say even though I still pay my account on time, they do not have to report my payments to the credit agencies until 10 years. this is absurd, as all my other creditors still report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Hello my name is XXXX XXXX, I live in XXXX XXXX XXXX XXXX XXXX, Ca XXXX. I have lived there since XXXX 2007 and always paid my mortgage on time until we had some very bad hardship. I lost my XXXX position which lowered my pay dramatically, we had a new baby, and my wife got sick after delivery. This hardship caused me to become delinquent in my mortgage payments as I could not pay the mortgage. After the years gone by the value of my home were dramatically decreased and it is not worth was it used to before. At this time the home needs huge and costly improvements to get the home to a greater value. New A/C and ventilation/duct around {$17000.00}, new kitchen {$7000.00}, new windows and doors {$4000.00}, cracked foundation $ unknown, paint house outside and inside {$3500.00}, and new roofing {$10000.00} and much more. The costs will be totaling over {$50000.00} in fixing. The home was built in 1960 and is showing the age very much so. The home is not worth what I 'm paying monthly for it and would like to receive a loan modification for this property. Im asking a mortgage payment of {$620.00} a month including taxes and insurance as this is what I would pay and know this home is worth. 
Ocwen offered me an option to pay trial payments of {$980.00} but that is too much for this home and I can not pay this. The amount they offered is only couple percent from what I used to pay and could not pay at the end. 
Please help me receive a loan modification. 
Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03 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:
I am XXXX XXXX. My husband, XXXX XXXX, died XXXX. He had taken out a mortgage with Ocwen Loan Servicing. The note is insured & should have been paid off upon his death. Ocwen refuse to pay off the loan & requires that I continue to pay it or they will foreclose. They said the insurance is for their protection. I have to pay this mortgage although I did not sign or authorize the mortgage. 
Ocwen was notified of the death of the borrower ( XXXX XXXX ), and a death certificate sent to them, yet they refuse to use the insurance to pay off the mortgage. Ocwen, consistently states that they can not communicate with me because I am not authorized on the loan ; yet, they continue to require monthly payments, or they will foreclose on the property. Ocwen should return all of the money that I have paid after the death of XXXX XXXX, for the past 2 1/2 years ; with interest. Ocwen is being paid double. Ocwen states that I I am not authorized on this loan, yet they continue to send & request payments each month & will not/have not used the mortgage insurance to pay off XXXX XXXX 's loan. This is not a good practice and it 's causing me great financial hardship and stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
Ocwen Financial has barred me from paying by check or ACH since I transposed my account number by error. After months of successfully paying online the mortgage company has increased the cost to me of serving my loan while they make XXXX of dollars off of it. It 's unethical and damaging.

Company response to consumer: Closed with explanation