vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-22 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
My wife & I have a second mortgage with OCWEN Loan Servicing , LLC, bought from our original loan company of GMAC, that we have made monthly payments on since XX/XX/XXXX, never being late & never missing a payment. XX/XX/XXXX we received a letter from OCWEN stating that our payment was being increased from {$460.00} a month to {$2100.00} due by XX/XX/XXXX. The letter was dated XX/XX/XXXX showing that an official notice of only 18 days was given of this increase. We had only 11 days notice upon receiving the letter. After contacting OCWEN & explaining that we could not possibly make this payment amount we were told by their " calculations '' that we should be able to handle this increase but were offered the possibility of a loan modification. We applied for this modification immediately & each month are asked to provide new documentation of our finances with no answer as to a loan modification. In the meantime, by today 's date of XX/XX/XXXX, we have been turned down for XXXX loans due to our high debt to income, have been reported to credit agencies as deragatory on the OCWEN account even after borrowing from family {$6300.00} to bring our account with them current, and get no answer from OCWEN to work with us to keep our credit in tact. We have explained medical hardship as our reason for need of modification as my wife lost her job almost 4 years ago & is now on full XXXX. We have working with yet another mortgage lender & have now been approved for a loan to consolidate our first and second mortgage but our payment will be raised approximatly {$200.00} which will be a hardship in itself. Needless to say, the notice given to us was questionable, unfair, and this company has caused us much stress and grief in the last few months. OCWEN customer service reps have remained uncaring, unwilling to answer questions, and stay to a straight script each time a call is made and ask all the same questions of us over and over again even though nothing changes for us week to week. We were advised to file this complaint by several loan officers from other mortgage companies who have been appalled at the treatment we have received from this company. This time frame has been unfair, impossible to work with, and in the meantime, our credit is being ruined by a company who has no concern to work with us and would rather see us file bankruptcy per the letters that we receive from them.

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

Complaint narrative:
Servicer has provided inaccurate, error ridden and misleading payoff and reinstatement notices to borrower. Federal Law requires the information contained to be accurate. 


In addition, creditors, assignees, and servicers must provide an accurate payoff balance to a consumer no later than XXXX business days after receipt of a written request from the borrower for such information.

Company response to consumer: Closed
Consumer complaint received 2016-03-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I 've filed a complaint about this problem before with CFPB. Ocwen Financial Services, LLC is my current mortgage service provider. For two years now, Ocwen has insisted that my mortgage payments are late or insufficient to cover the PITI payment. The geneses of the problem lies in the fact that Ocwen placed force insurance on my loan at premiums well above XXXX $ US. In fact for the past two years, the insurance company, Insurance broker and myself have sent to Ocwen proof of insurance via letter, fax, emails and phone calls. Ocwen does not have proper internal administrative computer systems to resolve the mortgage payment issue and still insists ( even after Ocwen said I was correct and they would fix the problem ) I am in arrears with my payment. As a result Ocwen has assessed me late payment fees, property valuation fees, Default notice fees etc. I have made all my payments to Ocwen. And if any payment was late, I did include a late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: SC

Complaint narrative:
Ocwen reported information wrong to the credit agencies and caused me to be rejected for my refinance transaction. The account was paid in full in 2010 and they have not reported a XXXX balance or payment history to XXXX. The lender is treating the account like a foreclosure. XXXX has called Ocwen and I have called Ocwen more than XXXX times and they tell us they will e-mail us the payment history and proof XXXX balance and they never do. Now I am unable to refinance even though my credit scores are above XXXX. I am being rejected due to Ocwen reporting incorrect information to XXXX and they have negelected there resposibility to provide me the borrower the payment history or even proof XXXX balance. They outright lie every time. From XXXX XXXX until XXXX XXXX they have told me I would receive documentation by e-mail within XXXX business days. I am still waiting.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
I have been harassed, threatened and charged fraudulent fees by a company ( OCWEN Mortgage ) that I do n't even have a mortgage with currently they are demanding that I pay them for insurance they supposedly purchased because I refused to make them loss payee on my homeowners policy. This all stems from this company acquiring my personal data from a paid off mortgage ( HELOC ) that I had previously with XXXX Bank. XXXX sold my mortgage when they went out of business to XXXX XXXX. I did n't want to do buisness with XXXX so I paid ( overpaid actually ) off XXXX XXXX Apparently, XXXX was in the process of selling off HELOCS to OCWEN and that is how they got my info. They assumed a credit balance of {$75.00} which was an over payment to XXXX Before I ever heard from them at all I began receiving robo calls from them demanding that I immediately remit " Zero dollars and zero cents '' immediately. That went on for weeks until I found the CEO of OCWEN MORTGAGE 's home phone number and began calling him. I have contacted them repeatedly for the first year and told them that I did not have an account with them and never would do business with them for any reason. I also demanded that they refund the credit balance that I overpaid to XXXX XXXX. The next year they began threatening to " purchase insurance to protect my loan '' ( which did n't exist ) and that it would " cost more than if I purchased it myself ''. By then I had stopped even opening the XXXX or XXXX documents then sent me every month for the past 3+ years. The lien on my deed has never been removed even though there is no balance remaining from the paid off, always pays as agreed status of that loan. This company is nothing but a criminal enterprise. At a minimum I want the deed to my property cleared. Jail time for the criminals that run that scam would be nice, and I would cooperate in anyway I can but that would be a bonus.

Company response to consumer: Closed with explanation
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: FL

Complaint narrative:
I received a Delinquency notice letter form ocwen loan servicing dated XX/XX/XXXX regarding loan number XXXX.States that i 'm late on my mortgage payment as of XXXX/XXXX/XXXX I 'm XXXX payment delinquent on my mortgage loan my account first became delinquent on XX/XX/XXXX.failure to bring my loan current may result in fees and foreclosure -the loss of my house.the total : {$130000.00}. 
my attorney williams sent a letter to ocwen loan servicing dated XX/XX/XXXX regarding the alleged debt owed to provide verification of the debt and the name and address of the original creditor within thirty ( 30 ) days of the date of this letter .ocwen loan servicing never respond to the letter .until XX/XX/XXXX my former attorney XXXX XXXX reached out the bank 's attorney .And ocwen loan servicing said that they are willing to accept {$110000.00} for the home now .And she asked what bout XXXX and she was advised that the bank 's attorney only represents ocwen and they can not speak to behalf oh XXXX. I may contact a private lender to see if they will loan me to money, on XX/XX/XXXX I receive a Non Approval notice letter from ocwen loan servicing states that they are unable to offer a home Modification because : As of date of this letter my loan has confirmed foreclosure sale date within 7 business days.On XX/XX/XXXX I receive a confirmation of cancelled effective XX/XX/XXXX any unearned premium that may have been paid from escrow account has been refunded Please be advise that this Loan number XXXX is totally fraud and was created by ocwen loan servicing for own purposes of used .Because i never made any payments to ocwen loan servicing regarding this loan # XXXX .Ocwen loan servicing has a voice recorded stated that i paid {$5900.00} was received on XX/XX/XXXX and my next payment of $ XXXXis Due on XX/XX/XXXX .This is totally untrue .Also on XX/XX/XXXX I receive an email from my former attorney XXXX XXXX stated that lawsuit been filed by INVESTORS

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: OK

Complaint narrative:
I have been fighting for 8 years to keep my home. Now that we are in the process of modifying my loan they are trying to compound my interest and charge me nearly double what I owe on the home. Additionally the escrow needs to be recalculated with the new insurance and tax credit as they are currently using a negative {$1000.00} escrow shortage as part of the modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: LA

Complaint narrative:
I have been having my mortgage Loan since XXXX, original loanmade as a NON escrow loan. Taxes were added in XXXX, due to adispute with the City of XXXX XXXX. Original loan was made and serviced by America Home Mortgage, they later changed there name to Homeward Residential. In XXXX XXXX the servicing of the loan was transferred to OCWEN Loan Servicing. Ever since XX/XX/XXXXI have paid my own Insurances. In XXXX of XXXX, I received anescrow analysis for XXXX, giving a breakdown of the escrow, with no floodor home owners insurance being collected.In XXXX XXXX, I receivedan escrow analysis, indicating that Ocwen was going to collect forthe flood insurance and my new payment was increasing by as {$450.00}, for a {$1200.00} flood policy. there was no explanationas to why they were doing this, even though they had proof thatflood policy was enforce, with Ocwen as Loss payee. I calledOcwen to inquiry as to why my payment was increasing by $ XXXXXXXXand was just told they were going to start escrowing for floodinsurance. As I explained to them the Original Lender and myOriginal note and Mortgage contractually did not call for an Escrow. 
I was then told to Pay the shortage and send a letter requestingto remove all escrows, which I did on XXXX XXXX, XXXX, and with in XXXX a new analysis removing the escrow and a new payment willbe calculated with out the escrows. As of this date this has not beendone nor has a new analysis been preformed. I have made theprincipal and interest payments as per my contractual obligationson the Note, each month. However Ocwen has posted the paymentsto the Principal Interest and escrows, even though I have spoken tono less then XXXX representatives of Ocwen, only to be told : it is stillunder review, the escrows have been remove, a letter will beforth coming, you are current on your mortgage, we willrepost the payments etc ..., as of this date NOTHING from them. 
Now they are Reporting to the credit bureau that I am {$3000.00}. 
past due, and this has caused some problems. I have NEVERbeen late on this mortgage and I pay my bills monthly. Thiscompany has a horrible reputation for doing very strangethings to people concerning there Mortgage loans, I feelthat they will want to take my property, which by the way is about $ 50,000..Underwater.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
XXXX is with Ocwen, initially I had gotten behind on one payment. I called Ocwen to attempt to work out a time when I could get caught up. I had the money and would have made three payments to get caught up. They added fees and refused to let me work it out when they calculated my monthly income, which by the way was enough to pay on my loan as I had done for years. I had an incident where I had a family emergency and got behind. I called to let them know I would make three payments set up two in one month and the third being the second month catching everything up. They refused to do that because I did not qualify, then I was told to fill out HAMP paperwork and set up an appointment with a relationship manager. All of this was unnecessary and they were unwilling to work anything out. it was impossible to communicate with them because everyone was XXXX and in another country. I had issues before and requested to speak with someone in the U.S. and that request was never granted. I went ahead and let the payments go because with the fees and them telling me I no longer qualified for a payment arrangement, I put the house up for sale to avoid a foreclosure. So as of XX/XX/XXXX we have been working with Ocwen on a short sale and I hired a realtor. 
Shortly after that we had an offer that we, the homeowners accepted. The offer than went to Ocwen. 
Around XXXX XXXX, they disclosed that we would have to use an auction platform before they would consider approving the short sale- this resulted in us losing the buyer that had been in contract for months. 
Our file went through XXXX rounds of Auctions with XXXX the first and second without any buyers. 
On XX/XX/XXXX Ocwen completed new values and sent this information to XXXX so they would know where to market the property. 
On XX/XX/XXXX we were advised that this XXXX round of auctions resulted in a buyer. We then proceeded to send in paperwork each month for bank approval. We were told in XX/XX/XXXX everything was proceeding nicely and that the principle loan holder, Ocwen, had approved everything. 
On XX/XX/XXXX we were then told that Ocwen declined the file because the offer was too low!!! They were the ones that sent the information to XXXX. See attached. 
On XX/XX/XXXX when our attorney 's spoke with Ocwen they denied sending any " numbers '' to XXXX to market the property, however you can see that they infact did. Then initially when using this auction platform THAT THEY REQUIRED, they said they would pay to do that. Now they are trying to tack on the XXXX dollar auction premium to the buyer 's side. They also stated they did not set the values and that is why they were declining, when they clearly did, and because of that they would not net XXXX-XXXX more than what they are receiving now. 

This file should have been approved months ago

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: AL

Complaint narrative:
I received and accepted an offer on a condominium in XXXX XXXX XXXXXXXX on or about XXXX XXXX, 2016. The closing was scheduled for XXXX XXXX, 2016. I was asked on XXXX XXXX, 2016 to give the closing agent a two week extension, which I granted. XXXX XXXX, I was asked for another 2 week extension, as the closing agent had been unable to acquire the Assignment document and number from the mortgage servicer, OCWEN Loan Servicing , LLC of XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX. My account number with OCWEN is XXXX. I spoke with the closing agent yesterday and was informed that OCWEN had asked for another 48 hour extension to provide the information. My buyer is about to withdraw the offer due to the delays. Can you help me in obtaining the required documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: TX

Complaint narrative:
Please remove the medical bill showing XXXX on my credit report. I agreed to pay the payment schedule and was paying then they stopped and I tried calling and they sent it to collections. Also there is XXXX on there as well and that account was agreed to be closed by original apartment complex because I moved out a month early because they had n't fixed AC in over 3 weeks. Breaching there own contract. I paid my last month and they agreed that was enough. Now it shows I have housing debt. This is not good I ca n't even find a apartment to live in when this was not even my fault! This is a crime. Please help!!!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 00:00:00
Product: Debt collection — Mortgage
Issue: Communication tactics — Threatened to take legal action
Company: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
My spouse received a debt notice from U.S. Collections West, Inc. ( in AZ ) for early termination of her lease. She did not respond, which led to her wages being garnished. She assumes full responsibility and since the initial garnishment, we have been trying to stay in contact with the collections agency. My spouse has spoken with the agency and provided her consent for me to be able to speak on her behalf. We first worked with XXXX and set up a plan, so that we could make payments without a second garnishment ( legal action ). After a while, XXXX stopped returning phone calls. The garnishment ceased for a few paychecks, then continued. I finally got a hold of XXXX, only to be told that my spouse 's case had been transferred to another person, XXXX, who is a supervisor. I spoke with XXXX once and discussed a plan going forward. To this day, we have left her 5-6 voicemail messages and have not received a return call. Since speaking to XXXX, our address has changed so there could be notices being mailed ; however, we have not received anything. I can not update the address on file if no one is calling me back. Per my last conversation with XXXX, she was supposed to contact XXXX ( the company that handles payroll for my spouse 's job ), in order to confirm if my spouse 's garnishment had been satisfied. From there, she needed my spouse to sign documentation for a payment plan, so that there would not be another garnishment. We can not proactively get ahead of a XXXX garnishment if the collection agency refuses to talk to us. My last conversation with XXXX was on XXXX/XXXX/17, since then I have left her 6 messages, none of which have been returned. Also, my spouse has received some sort of notice in the mail stating that she will be garnished for 2 more payments of approximately {$120.00}. We need to understand why, if that is a part of the previous garnishment, if it is a new garnishment, etc. We need answers. From our understanding, this was a 2 part garnishment. We understand that the first part is currently in process ; however, we are attempting to work with this agency to prevent the second part of the garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BB&T CORPORATION
State: GA

Complaint narrative:
Regional Acceptance Corporation in XXXX Ga is the worst I do not want to include my name because they may continue to harass me. But that Supervisor XXXX XXXX is horrible she does not know how to talk to customers and I hate that I asked for a supervisor. She is nasty, rude, and very unprofessional and I do not know who hired her she is nasty. I have spoken to her maybe twice at the end of the month and she told me one time that well maybe you ca n't afford the vehicle and it 's an affordability issue. Life happens and things happen and I know that I took out this loan but for her to talk over me while I was trying to explain what was going on and she just cut me off so disrespectful. I told the young lady that I was talking to not to transfer me to her, but she insisted. They can just come get the car if she has to be that rude.

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 2016-01-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BB&T CORPORATION
State: GA

Complaint narrative:
I have a consumer car loan ( truck ) that has not been conventional by any sense of the word. Currently my loan is coming to an end ( 3 payments remain ) and for the past 2 years I have tried to get this corrected with little result. Like most normal car loans you can pay more or completely pay off without any penalty but in my case even when extra payments are paid it 's simply reduced the amount of the next payment instead of reducing principle. Interest rates are also based on the month previous last payment instead of the newest month minus payment paid. I 've gone to my local bank branch several times but have never been given correct information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
HI! My mortgage was taken over by XXXX bank a couple months back. 
But my mortgage still shows payments due to Owcen mortgage company which is not correct, I only owe money to XXXX for the house at XXXX XXXX XXXX, XXXX XXXX XXXX, New JerseyThis has caused my credit score to drop XXXX points

Company response to consumer: Closed with explanation