vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-13 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Currently there are four separate entities claiming to have standing on my " Note '' or my Deed of Trust. They all want different sums and two have attempted to foreclose on me simultaneously AFTER a complete discharge of the Note in a Chapter XXXX BK which was discharged in XXXX of 2014. Two are reporting on my credit report, two are not. I have sent well over 20 letters to ALL these entities asking them to please provide proof of standing and to date, all they have ever sent me is a copy of my Note and Deed of Trust which I already have. They have cost me XXXX of dollars in litigation fee 's and still to date, no one has come forth with any proof of ownership, and even though ALL mortgage debt was discharged in the bankruptcy, Ocwen and XXXX are still reporting me as owing each of them differing amounts ( $ XXXX & $ XXXX ) while sending me demand letters for over $ XXXX ( Ocwen ) and $ XXXX by XXXX XXXX XXXX. I have sent multiple certified return receipt requests for proof and not a single one of them has complied. I want my NOTE returned as it was discharged and I want the clouded mess on my Deed of Trust cleaned up. And I want them to be overseen by as to their activities whereas I am concerned.

Company response to consumer: Closed
Consumer complaint received 2015-06-26 00:00:00
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
I bought my house in 2006 and put 25 % down. Ocwen manages the loan, andI have been in foreclosure several times. They say I can not have loss mitigation. 
The loan is now for forty years with a balloon payment. The note is worth about XXXX, the house is worth less than XXXX. They have charged so many fees. 
The first year alone I paid {$29000.00} to the company, yet I own more now. I was diagnosed and treated for XXXX, and I feel I ca n't go on like this. 
I am very scared. I have no family really, I have a great son, and my husband is mad all the time. I had a lot of friends where I used to live, I do n't know anyone here. I can not sleep or eat, and am still sick from the XXXX XXXX. I have no consumer debt. I know we all have to make our own way. My father was in the XXXX XXXX, we were stationed in XXXX and XXXX. He left me something when he passed at age XXXX when I was XXXX. He was a great father. My uncle, a XXXX, took that from me. A district judge signed off on a settlement agreement where my uncle said he would give it back, but he has n't. I want to leave something to my son, he is a good boy. I am very lonely, and would like to work more. I have never taken disability or anything, but I really really need some help. Thank you in advance for reading my words and thinking about my family. 
Take care now, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
After filing a complaint with you in around XXXX Ocwen handled me with kid gloves finaly I though I was getting help. They did modify my loan but only to send an increase before the official payment was made. They claim this is do to Escrow. I understand Escrow goes up however they had all the correct information prior and while doing the modification. I feel Ocwen did this to hurry up and get of your records in a timely fashion. Please look into this process I feel I am not the only XXXX. I would like Ocwen to do a fair modification. I almost did n't write this but felt that if this is common practice it is fraudulent in the less. thank you

Company response to consumer: Closed
Consumer complaint received 2015-09-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: PA

Complaint narrative:
XXXX XXXX was give a trial plan by SLS.. He made the XXXX payments. SLS then said he failed the modification because he did not return the correct modification paperwork. He said he never got them and could they resend them. SLS said they were sent to his XXXX XXXX . POst office had no record. SLS then emailed him the paperwork. But the paperwork they kept sending him in XXXX. XXXX and XXXX was not the modification documents but the letter stating he was approved for hamp tier 1 with the NPV values. He signed it and returned it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
Applied for a modification was denied as a XXXX lien and since XXXX lien had some monies forgiven couldnt do anything for this one.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
I received from the city of XXXX a tax statement to be refunded money for school taxes in the amount of {$330.00} and {$570.00} for the tax year of XXXX and XXXX. I have been calling XXXX to get a receipt sent to me stating my taxes were paid for XXXX and XXXX and they refuse to send the information to me. I would like my money returned to me and I keep getting the run around about my request about the tax receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
Ocwen Servicing retained attorney XXXX XXXX with XXXX XXXX XXXX XXXX XXXX to modify my mortgage. Although, a modification was offered, accepted and signed, XXXX XXXX has breached contract by not fulfilling agreement. Per modification contract property taxes & insurance is to be escrowed however, I am having to pay out of pocket and I want to be reimbursed all money paid towards insurance. I am paying {$610.00} to XXXX XXXX in C/O Ocwen Servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
i want to refinance my mortgage, but the mortgage company, ocwen, will not adhere to the terms of the modification agreement. in that they will not forgive the deferred princpal balance and keep adding it to the payoff figure ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
On XXXX/XXXX/2016, I applied for a HARP refinance loan with Homeward Residential ( Homeward ). I was told I would not need an appraisal for my refinance. I received my initial and ONLY Loan Estimate ( LE ) from Homeward on XXXX/XXXX/2016. A copy is attached. The LE does not include an estimated charge for an appraisal. It does include a general lender credit of {$180.00}. This lender credit reduces the cost of the loan and as such is a closing cost subject to zero tolerance under 12 CFR 1026.19 ( e ) ( 3 ). 
On XXXX XXXX, 2016, I received an e-mail ( copy attached ) from the loan officer indicating that an appraisal was required. I was asked to verify that payment information previously provided was accurate and could be used to process payment for the appraisal. The loan officer indicated that I would receive a lender 's credit for the appraisal amount at closing. I was charged {$440.00} for the appraisal, which was paid. 
I was given no opportunity to shop for an appraisal service. I was told this service was required by the lender. Under 12 CFR 1026.19 ( e ) ( 3 ), this makes the appraisal cost an item subject to zero tolerance. 
I never received a revised Loan Estimate detailing the change in the costs of my loan, as required by 12 CFR 1026.19 ( e ) ( 3 ) ( iv ). After the third business day following the date that Homeward was aware of the change ( XXXX XXXX, 2016 ), Homeward should have lost the ability to charge me for the increase in cost represented by the cost of the appraisal. Homeward should be required to rebate this cost under 12 CFR 1026.19 ( f ) ( 2 ) ( v ). 
On XXXX XXXX, 2016, I received an initial Closing Disclosure ( CD ). A copy is attached. The initial CD included a charge for the appraisal of {$440.00}, shown as paid prior to closing. This CD included a lender credit of {$620.00}. Presumably, this amount was the original general lender credit disclosed on the Loan Estimate of {$180.00} plus the amount of the appraisal ( {$440.00} ). 
The loan was closed on XXXX XXXX, 2016. We received a copy of the final Closing Disclosure, which is attached. The CD did not include a rebate for the zero tolerance error related to the appraisal as required under 12 CFR 1026.38 ( h ). I received no lender credit of {$620.00}, as disclosed on the original Closing Disclosure. 
I contacted Homeward Residential on XXXX XXXX, 2016 to discuss this situation. I was told that I was not entitled to a rebate of the appraisal fee or any other costs associated with this loan. At that point, O notified Homeward of my intention to file a complaint with the Consumer Financial Protection Bureau. 
Under Regulation Z, I am entitled to a rebate of {$620.00} for the increased zero tolerance costs on my loan with no proper disclosure under the requirements of 12 CFR 1026.19 ( e ) ( 3 ) and 1026.19 ( f ) ( 2 ) ( v ). However, Homeward is refusing to rebate these funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
I have been asking for my mortgage company : Ocwen Loan Servicing ( Loan Depot, Loan Depot Escrow ), to send me a complete copy of the closing documents and to validate their escrow analysis as it is incorrect. They have not provided any information despite my follow-up requests since XXXX 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Asset Recovery Solutions, LLC
State: CO

Complaint narrative:
My phone has been off for about two months and it was turned on about two weeks ago. I started receiving calls from XXXX which i found to be asset recovery solutions. They constantly called my phone all day without leaving messages and at one point they called twice within one min. I did answer once and a man asked me to verify my social which i told him no. He said they had been sending letters which i have not received. I will be more than happy to speak to them when i receive some type of verification.

Company response to consumer: Closed
Consumer complaint received 2016-10-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
I had asked for a payoff on my mortgage from Ocwen. I was startled to see that there was a {$52000.00} line amount that was titled Share Waive Adjustment. I called them and they stated I was in default of my loan modification that I had in XX/XX/XXXX. I defaulted in XX/XX/XXXX due to using the Save the Dream program. My husband was laid off and I was trying to save our house. I received a XXXX for the {$52000.00} in XX/XX/XXXX. I called Ocwen to ask about the {$52000.00} and why would I owe it now. It was explained that they could not add it to the mortgage. The Share Waive is for a loan called a Share Appreciation Modification where the loan servicer is entitled to XXXX % of the appreciated amount less any capital improvements for 3 years. I had read that I can reduce the Share Appreciation with Capital Improvements, so I had asked them if I could, they told me no. We just completely remodeled the kitchen. I had asked why I had received a XXXX for this. They could not answer me. Can you help me find out if I really owe this or if the amount can be reduced?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PLAZA HOME MORTGAGE, INC.
State: CA

Complaint narrative:
I had an homeowner 's insurance claim around XXXX/XXXX/2013. The insurance company paid out on the claim totaling approximately {$25000.00}. A check was made out to myself and Plaza Home Mortgage. The servicer is claiming they have a right to keep half of this amount in a so-called restricted escrow account. PHM is stating I must complete repairs and have the affected area inspected by one of their representatives, however I can not rebuild the damage deck as I would have to come up with roughly {$5000.00} in the gap between the pay-out and the actual cost to rebuild : about {$30000.00}. The deck in question is n't attached to the home and was originally deemed with no value by the appraisal done at the time of the purchase of the home. I have offered to allow them to dictate where else these funds could be spent on some critical deferred maintenance areas e.g. window, energy upgrades and they have flatly refised to budge. So, funds sit with this company while the home/investor 's collateral deteriorates.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: M&T BANK CORPORATION
State: MI

Complaint narrative:
I was issued XXXX refund checks from when I sold my house and overpaid M & T Bank. I forgot about the checks and when I found them a little over a year later, I went to cash them with my bank who told me that they were too old and that I needed to contact the company to be reissued the checks. I have made several attempts to contact M & T Bank and every time I speak with them, they tell me an excuse as to why I have n't received the checks. They keep telling me that they mailed them and that I should receive them any day and they never show up. I call them several days later and they tell me the exact same thing. It has been over a month of calling them and I still have no checks. They keep telling me that it is my money and that I do get it, but I 'm still receiving no checks. I receive all other mail and have n't had a problem and it 's strange that they keep telling me the same thing over and over and never have a reason as to why they have n't been received.I have verified the mailing address with them several times and they have it correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HW Holding, Inc
State: LA

Complaint narrative:
My daughter filled out a lease application for a college apartment. 
XXXX XXXX emailed asking us to fill out a XXXX application. We NEVER completed an application or even responded. XXXX XXXX from XXXX XXXX continued to send us emails. In her email, she stated that My daughter signed a contract but needed several forms in order to move forward with the unit placement. We knew that my daughter was unsure whether she would be living at this location, so we did NOT reply. We did not leave a down payment or deposit. We were sent several emails stating that the lease was incomplete and that they did not have an agreement or proof of income.Also stated, was that it needed to be notarized and completed by XXXX/XXXX/15. We were then notified by a collection agency, ( XXXX ) asking us to pay {$8900.00}. They stated that they had an esignature on the guarantor lease agreement. We asked them to provide us with a copy of this document and proof of esignature. They stated that they would send us this within the next XXXX to XXXX business days. NO DOCUMENTS WERE EVER SENT OR RECEIVED. The next thing I know, we see a collection on my credit report! We contacted XXXX, at the XXXX and she advised us to file a dispute.

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 2017-01-25 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
My initial loan to buy my home was with Homecomings in XX/XX/XXXX ; it ended up with loan servicing Ocwen ; loan XXXX ; Ocwen had a foreclosure hanging over my head until XX/XX/XXXX ; Ocwen originated a loan modification agreement ( shared appreciation ) payments too high and did n't make sense at all. This week I received a form that Ocwen discharged {$220000.00} and they sent to the IRS. Where did this come from? Ocwen had refused to ever reduce the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
In XX/XX/2010 my mortgage owned by Litton was sold to OCWEN. OCWEN immediatly served me with foreclosue process, even though I was keeping up with my payments with Litton. I spent 9 frustrating and expensive months ( paying legal fees ) to obtain a loan modification. I tried to send payments in during the 9 month period but OCWEN would reject them. As each month passed I never knew whether me and my young daughter would have a roof over our head the next day. When my loan modification was finally obtained, OCWEN promised that if I made my payments on time for 3 years that they would forgive the fees and penalties they had accessed me during the foreclosure process. I kept my payments on time for the past 5 years and now am getting ready to sell my home only to discover in Escrow documents that OCWEN is charging me an additional {$70000.00} in addition to my mortgage payoff amount. They are calling them " shared appreciation ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
Ocwen is reporting me late to the credit bureaus even though I 'm using their bimonthly service. For example, payments will be received timely by Ocwen, but they do not post them timely. Most recently, I received a default letter from Ocwen, when my payment is current. I 've called Ocwen before about this, and was told numerous times, that I was n't being reported late to the credit bureaus. In my opinion, Ocwen does n't know how to handle a bi-monthly payment - they are holding funds in the suspense account w/out applying them in a timely fashion. I want my credit report corrected to show that I have had no late payments with Ocwen since XXXX, XXXX. They are reporting me late for XXXX, XXXX and for XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HW Holding, Inc
State: FL

Complaint narrative:
In XXXX XXXX my husband and I were searching for a new, larger apartment for our family since I was XXXX at the time. We arrived at XXXX XXXX XXXX and decided this is where we wanted to live. The leasing agent provided us with a Move-in cost sheet indicating that it would cost {$2100.00} to move into the apartment. In order for them to approve us, they needed to perform a credit check and background check and instructed us to complete an application. Within the application it states we have 24 hours to change our minds and if after the 24 hours we are approved and decide not to take the apartment, they would then charge us one months rent equivalent to {$1500.00}. 

More than 72 hours later, the apartment complex called to tell us that we were denied based on our credit and the original costs to move in were no longer valid and that if we still wanted the apartment it would cost us between {$2500.00} and {$2700.00}. We needed time to think because that was not the original agreement and we could not afford such a large amount. On XXXX XXXX, I went on emergency maternity leave and as a result our financial picture changed and we decided there was no way for us to afford the large amount to move in. 

When we called the apartment complex to turn down the apartment they demanded we pay them {$1500.00} for one months rent since we signed an application agreement. We instructed them that we never signed a LEASE, and since they changed the move in costs required of us to move in, it nullified the application agreement. 

We contacted our friend XXXX who is an attorney and the apartment complex refused to speak to him ( and us ). Within a few weeks we received a collection letter from Hunter Warfield. A few months later I contacted the Attorney Generals office who forwarded our complaint to XXXX where they spoke to XXXX, the manager at The XXXX. XXXX agreed that the debt should be retracted. I spoke to XXXX who explained why they sent it to the XXXX credit bureaus but agreed that the debt should be retracted. The Florida Department of Agriculture was unsuccessful in reaching XXXX and Hunter Warfield. 

Thee problem was never fixed and XX/XX/XXXX I received another letter from Hunter Warfield who is still attempting to collect the debt and refuses to remove it from our credit reports, and after disputing it with XXXX, the smear still remains. I also went to XXXX to speak directly to XXXX who denied ever speaking to XXXX XXXX XXXX and could not recall who I was or what my complaint was ever about.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Duncan Solutions, lnc.
State: CA

Complaint narrative:
Originally, I received a parking ticket from the XXXX XXXX XXXX. I sent in my first request for an administrative review ( due XXXX/XXXX/2016 ) but it was sent back for not including payment and time was extended to XXXX/XXXX/2016. 

Now " Professional Account Management, L.L.C '' is sending me a bill for {$370.00} which is an increase from my previous ticket.

Company response to consumer: Closed with explanation