vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: SC

Complaint narrative:
XX/XX/XXXX mortgage for XXXX over 15 yr. 11.95 % balloon payment, under HAMP we were denied a mod for 13 yrs. 6 mon. before finally dropped {$650.00} mon. to {$400.00} and lower % to 4 %, had major hardship XX/XX/XXXX, XXXX XXXX, no insurance or job, they raised payments for XXXX yrs. During mod review from XX/XX/XXXX-XX/XX/XXXX they attemted to Foreclose, this is Dual tracking, tacked on over $ 28k in penalities in that time span, so I owed over $ 28k more than I financed at end of term, now they filed Foreclosure 2 yrs. later, looking for help, never told about Recsission

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
On XXXX XXXX, 2015 my mortgage payment was changed to the proper amount of {$780.00}. It was correct for the months of XXXX and XXXX. I went online yesterday to pay and it is back to {$1100.00}. Ocwen sent me a hard copy which shows {$780.00} due ( hard copy attached ), but the computer shows {$1100.00}. I called and was told I had to pay the {$1100.00} since the computer said that was due or I would be in default. I asked to pay the {$780.00} over the phone and was told that I would still be in default AND I would have to pay an additional {$19.00} use this service. 
I am so completely frustrated at this point. I do not understand why this is so difficult and why my payment keeps changing. They are saying they will " research it. '' Every time they " research '' nothing gets done. This has been an ongoing issue for 8 months! 
The other issue I am having is no one can tell me what the {$1500.00} " escrow account adjustment '' is for. It was taken out of my escrow on XXXX/XXXX/15 which is the day the modification went through. I do not see where it was posted to my new escrow so as of now I am missing {$1500.00}. They keep sending me letters which do not tell me anything or show me where the money went ( attached ). If I can see where you adjusted the money out of my account, why ca n't I see where you applied the money to my new escrow? It does n't add up since Ocwen charged me $ XXXX in escrow to make up for a " shortage '' which I never had. Ocwen has collected monthly for my taxes since day XXXX ( before this modification ) and I have never been short. I want visual proof of where that money was applied, not someone 's word that it was. 
I would also like to know what the " legal filing service '' charges on XXXX/XXXX/15 are for ( there are XXXX of them ). No one at any time advised I would have any filing fees. My understanding of an escrow account is that it is unlawful to use my escrow for anything other than taxes ( and insurance if applicable-but I pay it and they do not ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
I filed a bankruptcy that was discharged in XXXX 2011. At that time, XXXX was the servicer of my loan. XXXX was informed that I had surrendered the property through the Bankruptcy and I vacated the home. They applied for and received a lift of stay so that they could commence with taking back the property. Just prior to the Bankruptcy discharge, they sold the servicing rights to Ocwen. For years Ocwen called to collect on the debt even after being informed that I was protected by the Bankruptcy. Ocwen employed delay tactics by trying to get me to agree to a modification. It took Ocwen five years to sell the property. They issued me a XXXX cancellation of Debt but they have it coded incorrectly. It should be noted that it was due to a Bankruptcy. This is unacceptable and a violation of Bankruptcy Code

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

Complaint narrative:
I wish to file a complaint against OCWEN Mortgage for obviously stonewalling on my application to short sale my condominium located in XXXX, California. The required documentation had been filed in early XXXX 2015 by my Broker, XXXX XXXX, who obtained a buyer for my condo ; however, since then OCWEN had been trying to delay actions by asking for updates and other requirements that have already been submitted. The latest is now they are asking for a resubmittal of documentations simply because they should be brought up to date. I believe OCWEN 's actions are highly suspect, to say the least, and needs to be investigated for any violation of law regarding to short sale transactions. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13 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: WA

Complaint narrative:
Cancellation of Debt Form XXXX for {$30000.00} was sent to IRS for XXXX. The property involved was discharged in XXXX. I have enclosed copies of my Chapter XXXX Bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
I have my mortgage with Ocwen Loan Servicing and have sent them several requests via phone, mail and email inquiring about the fees assessed on my mortgage account. In particular, they are charging me {$20.00} fees sometimes twice a month for " Inspections ''. When I called them they said these are late fees ( but my account is current ). My account is not delinquent and it seems outrageous to me that they would be charging me a fee for something they have no reason to do even though no one has ever come to my home to inspect anything from Ocwen or anywhere else for that matter. I have also asked them to provide me with a breakdown of the fees that total {$1000.00} and I have yet to receive any type of response whatsoever from them. I am asking that someone look into this matter because I am most certain I am not the only Ocwen customer this is happening to. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I have spent the past 2 months trying to modify my loan with Ocwen and it 's been an excruciating experience to say the very least. After 10 years, it adjusted last year to a XXXX yr adjustable rate and my payment went up significantly, over $ XXXX. This year, it just went up again another $ XXXX. I am self employed and have gone from a XXXX income household to XXXX income. My credit is excellent and I make the payments on time. All I want from them is to fix the rate with a XXXX yr ammortization so I can afford the payments and keep my house. 

Aside from the numerous re-requests for documentation and forms and signatures that they already have, I was recently instructed to retrieve a copy of my divorce decree from the XXXX because apparently my letter of explanation and a copy of the recorded dissolution were just not enough. This was a costly and timely endeavor but I did so. Then I waited for a week for the Assumptions Application which I was instructed to fill out. When I finally received it, I quickly realized it was actually a loan application. I called the number listed on the application and the assumptions XXXX I spoke with confirmed that yes, this is a proper loan application and has absolutely nothing to do with the loan modification process. He said the loan mod dept had no idea what it was doing. If I was qualified to refinance or assume the loan and take my ex 's name off of it I would have already done so years ago. Unfortunately I do n't have the income to qualify which makes me not a candidate for assumptions. 

Since then, Ocwen told me to get a XXXX deed taking my ex off title. I did so and sent it in and now they keep trying to send me back to assumptions. 
My relationship XXXX does n't call when we have scheduled appointments. Every day I get calls and letters and emails from them asking me to do something I 've already done. The left hand has no clue what the right is doing. 
I have spent so much time and money on this process and it feels futile. I have excellent credit and have never missed a payment. All I want from them is a XXXX yr fixed rate. I 'm not asking for anything else. 

Is there anyone on your end who can help me try and navigate through this frustrating process?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
This complaint concerns Indy Mac Bank. There are several issues to discuss concerning Indy Mac. First, I was told that I had to miss payments in order to be qualified to modify my loan. Secondly we were in the process of applying for a modification under the HAMP plan with Indy Mac, and they dual tracked us. We would receive foreclosure notices while in the midst of HAMP application, review and approval, up until the last moment. Thirdly, after I carefully submitted paperwork for review, Indy Mac would either call and say they never received it, or it had expired, and the entire application would have to begin again. Lastly, this whole process took nearly a year, the whole time being threatened with foreclosure. I wrote the State of Georgia Attorney General 's Office, called several National Hotlines for help and faxed Pres. Obama 's administration a complaint about the way I was being treated. Almost immediately after that, my loan modification was approved. At that time-XXXX, there was not legislation against dual tracking and requiring a homeowner to miss payments. I understand that is now in effect, and I am asking for relief from Indy Mac ( now XXXX Bank ). This process affected my health and XXXX immensely. I had XXXX very young children at the time, and looking back at that one year process and the negligence with which they handled the application process was a very bad memory. I understand now that certain mortgage companies have been and are being held liable for their actions during this time. Thank you.

Company response to consumer: Closed
Consumer complaint received 2015-04-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
I purchased a home in XX/XX/XXXX and recently requested some assistance so I could keep the property and not allow it to go to foreclosure. 
The original value was $ XXXX and the current value is $ XXXX. 
I have made all of my payments on time and requested asmall reduction in my interest rate to continue to rent theproperty and not take a beating on the delta between therent and the mortgage and association fees. Themodification was denied because the loan was refied in XX/XX/XXXXand they stated my situation was not a permanent impair-ment so they refused to assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: ID

Complaint narrative:
My wife and I have a first and second mortgage through Ocwen. Our mortgages went through a loan modification a few years ago under which XXXX of the terms declared that upon sale of the loan ( or refinance ) we would be subject to a fee of 25 % of the current appraised value of the home minus the amount owed on the mortgage. However, the fee of 25 % could be reduced based upon improvements completed on the home after the modification of the mortgage. We submitted the appropriate invoices for work that met the criteria of reducing the 25 % fee and we were denied by Ocwen citing that they " could not verify the invoices. '' The 25 % fee totals close to $ 25XXXX and the invoiced improvements total close to $ 20XXXX. We know the improvements to our property are valid improvements based upon the IRS regulations XXXX XXXX ; XXXX and do not expect to pay {$20000.00} to Ocwen because they simply " could not verify the invoices. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
I found out I was going to be out for XXXX surgery. I would be out fo for 3 months. I was able to contact my creditors and have payments reduced r for this period of time do to XXXX only covering 65 % of my salary. Ocwen, my mortgage holder, gave me a hard time about this, barely understanding tanding them, she said she would send a form to fill out and it would be reviewed for consideration. form received and sent back. I did not hear anything from them so we struggled with the the full mortgage payment. For a company who says they will work with you it seems like smoke and mirrors. no one else had a problem adjusting for me. I I t seems iam held hostage for a medical problem that I had no control of. Can this be removed from my credit report so I can move on? Thanks for consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
My wife and myself were denied a new mortgage by XXXX mortgage companies. My former mortgage company ( OCWEN ) has placed a late notice against my credit report during the process of stopping a loan modification. This mortgage has been paid off and refinanced to another mortgage company and OCWEN has been less than helpful about removing this late notice. I had made several attempts to make my mortgage payments, even contacting my bank representive on numerous occasions. The bankers kept telling me my account was in research and to not worry this would not impact my credit, that was not the truth. I have looked on XXXX XXXX and XXXX and can not locate any credit late issues with OCWEN. I believe that I am being treated unjustly and would like something done to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HW Holding, Inc
State: MO

Complaint narrative:
This company purchased a rental property in the middle of a lease and think they can charge me for 10+years old carpet that was due to be replaced at no expense to me by the previous owner. Under no circumstance am I responsible for this debt. It should be removed asap. The collections agency calls all hours of the day interrupting my sleep because I work nights and when I answer their is seldom someone on the line

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-07 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Ideal Collection Services, Inc.
State: FL

Complaint narrative:
IDEAL COLLECTION SER ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear XXXX : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you IDEAL COLLECTION SER or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : IDEAL COLLECTION SER or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Ocwen Financial Corporation
State: AR

Complaint narrative:
mortgage payment of {$580.00} has inflated to XXXX and inflated escrow since ocwen lone servicing has bought mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
Ocwen is our servicer for our loan. I fell behind a couple of months XX/XX/XXXX. I stayed in constant communication with them to try to modify or get caught up with my payments. They gave me a different amount to pay every time I spoke with someone and they even game my cousin who is an attorney a different amount than me within 10 minutes of calling them. Then XX/XX/XXXX, they called me and told me that I was approved for the modification. I agreed to send them 3 months of payments to show good faith. I even sent the payments via fed es on XX/XX/XXXX. That very same day, they claim that they served me with a summons to foreclose. I do not recall at all receiving that bc I would have been really taken a back considering I just sent them 3 months of payments per our agreement. Now, they are trying to push a sheriffs sake on the property all the while their customer service e dude is lying to me staying my property is absulutely not in foreclosure. I 've still been trying to work with them in the modification. I e never been denied but they keep stringing me along stating that they need different Infornation. I feel completely taken advantage of, they lied abs completely misled me all the while trying to sell my property while they tell me it 's not in foreclosure. Please help. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
Loan is with Ocwen and we are in pre-foreclosure. We did not know this as we thought house was foreclosed in XXXX. WE NEVER asked for a postponement of the sale until recently once we understood how a short sale would help them avoid foreclosure. WE was told by Option One, back in XXXX that there was " Nothing they could do for us and to GET OUT '' of the house. Wr were told it would foreclose in XXXX XXXX, so we left 100 %. The house has sat vacant for years now, and we never knew the bank did n't foreclose on us, until XXXX XXXX reached out to let us know. I believe we deserve a break and would love to see get a short sale approved. Today, Ocwen basically confirmed foreclosure is XXXX and that they did not have enough time to review the option and closed out the short sale review. We sent the proposal to Ocwen on XXXX/XXXX/XXXX, and are asking for postponement of the sale in order to get short sale reviewed. There is a cash offer on the table. Again, We the seller has never asked for a postponement, this is the first time and Ocwen is saying NO. can you please stop this forecloseure and allow us to do short sale. We have been riddled with one problem after another with medical issues since XXXX the reason we fel behind was told to leave and now this. I was given a complaint number # XXXX from our expert who is trying to help us. Thank you for your time XXXX ( XXXX XXXX XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-29 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
This is in connection to Complaint Conf # XXXX. It is not XXXX, but XXXX. I apologize for this error. 

This XXXX mortgage was not included in the bankruptcy. Please see attachments ( pages 5 & 6. ) There are two XXXX accounts : one is home equity loan and the other one is mortgage. It was transferred to Ocwen Loan Servicing later on. Before we filed for bankruptcy, we applied for loan modification. which process took more than 2 years. The house was sold on a short sale in XX/XX/2016. I contacted Ocwen regarding the inaccuracy of my credit report about what 's included in the bankruptcy. Ocwen have immediately suppressed the two accounts from credit reporting. I am requesting XXXX to do the same. 
Thank you so much!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
Each time that insurance premium is due, they ( OCWEN ) say do not have insurance. They pay late. This time they have not paid, and I now do not have insurance, but I bet they are going to charge me to have their ( OCWEN ) insurance. You can get backup from me and my insurance carrier. They also, for a time was not applying that paying extra monthy, that paying bi-weekly and not sure where that extra money was being credited. When reported them last go round, I went from owing about XXXX to XXXX just like that. The company is not easy to get a person and if you do, they can not tell you anything, you must contact this number. We pay on time and extra, and I expect to have coverage on insurance. At this time, I am working to get a payment to my insurance, but I bet I have a letter coming about having to pay their insurance because they can not provide I have insurance. I have emails showing they are being contacted and that they handled last time. This is a very questionable company, and I am at risk because of their questionable business ways.

Company response to consumer: Closed with explanation