vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
The notice of sale was recorded on XXXX XXXX, XXXX, which granted XXXX to the above-mentioned property. The previous owner on title XXXX XXXX vacated and abandoned the property two months prior, due to a fire on the property that caused substantial damage, which made it inhabitable. The city has condemned the property and has filed a lien against the property current owners XXXX which has been working with the city to remediate issues with this property. 
Deutsche Bank has a track record, of contributing to urban blight by neglecting properties in high-impact revitalization zones. There are also some discrepancies with the recorded documents and no notice given to current lienholders in regard to XXXX banks attempts to foreclose on said property. The initial deed of trust was recorded on XXXX XXXX, XXXX with the lender being XXXX XXXX Mortgage Company, and XXXX XXXX Mortgage Company as trustee as well. This was a no-money down predatory lending loan that was offered by XXXX XXXX mortgage at the time, there is n't any bearer bond or any other instrument showing beneficial interest transferred over to XXXX XXXX or its subsidiaries. So the transfer appears to be invalid, and under California homeowner 's law must be validated. 
Lastly, the notice of default filed by Deutsche bank says that notice was given to homeowners, which is incorrect because property is boarded up and has a gate surrounding the property because of it 's hazardous condition and homeowner has n't been around in over three years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Churchill Holdings, Inc.
State: FL

Complaint narrative:
XX/XX/XXXX or XX/XX/2016 we contacted Churchill Mortgage ( recommended by XXXX XXXX ) and asked about a refi of our house while rates were down. We explained upfront that we had a prior Ch. XXXX Bankruptcy that was over 2 years discharged and included a property that was surrendered and foreclosed. They said that was not an issue and that they could handle the loan. We proceeded to spend 2.5 months trying to get a rate lock and confirmation from them ; I have attached SOME of the very many, many emails. First they tried to force us to sign an application ( filled out by them ) that had incorrect information including my incorrect name, job, loans- I refused to sign a false document even though they pressed me to and said it did n't matter. Finally they agreed to let me fix the errors. Then they repeatedly asked for documents which we sent multiple times via multiple avenues ( email ; fax ) ; they kept losing them, kept requesting them ; finally they said they could get them in-house ; then they said they could not. We were told so many times that they had everything only to come back needing some document we had already sent. They dragged this on for so long that rates have gone up and now they simply wo n't communicate with us at all. We want a refund of the approximately XXXX $ they charged us for a credit check and they should, in our opinion, pay us some kind of damages for leading us down a path when we now can not get the 3.65 % ( approx ) rate that they said we would get when this started! What kind of damages is that if they wo n't close the loan at the original rate told to us?? Furthermore, they do n't even know the XXXX loan laws! They have known for months that the ( old ) property at issue was part of a BK surrender/foreclosure- but they ca n't seem to read BK documents, Orders, discharges, and deeds to see what happened and are NOW, 2.5 months LATER telling us it appears we have to wait 7 years post foreclosure? No, that is not the law! These people are incredibly disorganized, poor communicators, if not outright fraudsters. We have lost months of finding a lower rate loan due to their continued promises that all was well. Now they have simply shut down communicating. We want this closed at the original rate told! Please see attached emails which are a small portion of many.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: MO

Complaint narrative:
My complaint is with Ocwen servicing company for seven years I have been trying to XXXX a re modification of my loan they have been deNY ing me a refinance using all kinds tactics I have been through.all the avenues that pertain to. This problem I even went to lawyers whom seemed to work for them I need some immediate assistance now as they have forclosed on my house without any warning the has been in my family for over sixty years .my husband left me after XXXX years of marriage and I am XXXX years I have no transportation to leave and no place to go .my XXXX son who lives with me is XXXX ( XXXX ) and attends a XXXX we do n't have no place to go and both live on social security.I 'm am supposed to be evicted today please help my .I can be reached @ XXXX or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
In XXXX 2012 my homeowner 's association foreclosed on the property I owned that was serviced by Ocwen Loan Servicing. Before the foreclosure, I tried to obtain a modification for 2 years. Since the homeowner 's association purchased the property in 2012, Ocwen continues to report 180+ days past due on my credit report. This is killing my score and has affected employment offers and kept me from being able to restore my credit and purchase another home. I hired an Attorney to find out what I still owe Ocwen - since the association now owns the property. However, Ocwen has not responded.

Company response to consumer: Closed
Consumer complaint received 2015-08-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
I had to file chapter XXXX because of a accident. after four years of paying on it. I received a order deeming the mortgage current as of XX/XX/XXXX. I have made all payments from XXXX in full and on time. until XX/XX/XXXX when they advised I was 5 months behind on my payments. I have sent all the information to Ocwen XXXX times proving all of the payments were made by the trustee and myself.. they still advise I am behind and are threating to foreclose they returned my XXXX payment I have contacted a attorney they advise I file a complaint the you first.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I have struggled to keep my home for several years, I have been unable to afford a mortgage payment and was unable to qualify for a reduced payment of my mortgage with a making home affordable modification, my monthly income still suffers. I have decided to short sale my home under the HAFA program. My home suffers from much needed repair, I have been unable to cure the costly repairs needed to my home. A contractor has estimated my homes repair to cost about {$130000.00}. That is the estimate today and it may increase if the acoustic ceilings in my home end up testing positive for asbestos. Not to mention the mold that appears to be growing in the walls of home. My agent submitted a cash offer that was approved under the HAFA program. Unfortunately once that buyer took into account the repairs needed on my home they requested a decrease in their offer far below what Ocwen would consider for approval of a short sale. My agent sent them a XXXX higher offer, an as-is offer and all cash, this was received by Ocwen XXXX/XXXX/2015, my sale date was for XXXX/XXXX/15. This triggered Ocwen to conduct an interior valuation of my home, took them the entire month of XXXX to send an agent, valuable processing time lost. The previous valuation was just exterior and was set at XXXX. The agent from Ocwen came to my home on XXXX as to render a report immediately to Ocwen. I still had a sale date for XXXX, it was urgent that the value be adjusted to what my home is really worth. I still have this sale date looming, and the valuation as completed brought the value in on my home to XXXX. Ocwen is mis-reading this report, they have advised that their value is XXXX, I have a copy of this report, it does not state that amount as an as-is value at all, that was the original list price of my home and it has now been reduced to XXXX due to my repairs. To date Ocwen refuses to admit that they are mis-reading the report and are offering no adjustment to their error, still threatening to foreclose but if they read their report correctly I would have an approval of my short sale. Ocwen can not even show my agent where on their own report it indicates XXXX as an estimate of value.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: ENCORE CAPITAL GROUP INC.

Complaint narrative:
Midland Funding purchased an old credit card debt of mine in 2015. I was sued by Midland Funding on XXXX XXXX, 2015 for {$2900.00} and served a summons at my parents address ( listed above ) in XXXX XXXX. At this time, I was visiting for the holidays. I currently reside in XXXX. I understand this may be a violation of the Fair Debt Collection Practices Act, though I have waived my right to sue in a settlement agreement. 

Both Midland Funding and XXXX XXXX XXXX have previously been successfully sued by the state of XXXX for violations of the FDCPA. 

Prior to the lawsuit being filed, XXXX advised me that they would not consider a settlement on the account. However, after the lawsuit I was able to obtain a settlement of {$2100.00} from XXXX XXXX XXXX. I brought certified payment for the full amount to the offices of XXXX XXXX XXXX and asked that a dismissal with prejudice of the lawsuit be provided, in accordance with the settlement agreement. I was provided with a document that stated it was a dismissal with prejudice in the header but in the text stated " dismissal without prejudice. '' After having paid the settlement amount in full, I would have expected more attention to detail on behalf of this legal firm. After pointing out their error, I was provided with the correct document.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
I was sent a mortgage modification from my mortgage company " Ocwen '', I filled out no paper work it was just sent to me. So I decided to take advantage and started the trail payments. I finished the trail payments which I set up on their website to be automatically taken from a bank account, so that I would not be late. I noticed the payments had stopped and asked my mortgage counselor why. I was told they would resume once the mortgage modification was approved. So I left enough money in that account to make the first payment. We are on a very tight budget and owe money to other debtors as well. So every extra dollar we use to try and pay off a debt. I asked the counselor do I have to do anything or change any information. I was told no they had my bank info and the payments would continue to come out automatically. The modification was approved XXXX months later and I was told I had to send in XXXX payments. I told them I did n't have XXXX payments I thought they would take the payment I left in the account when it was approved and I would add another. I was told at this point it was my fault and responsibility to keep paying. I argued I was miss informed could they please help me there is no way I can send XXXX dollars. Please add the payments to the end or can we stretch them out over XXXX years seeing I was having a hard time with the payment before the modification, how would I now be able to pay a higher payment if I could n't before the modification? I was angry and they were very demeaning telling me as a homeowner I should know better. I said to them why did you stop my auto pay they had no answer it my responsibility. I again explained I trusted their direction and now they will kick me and my wife and kids out on the street if I do n't give them at least XXXX and they will set up a payment plan for the rest. I don ; t know what to do I don ; t want to be homeless, we have lived here for almost XXXX years. Please help they seem to do and say what ever they want.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA

Complaint narrative:
Last year HSBC offered a promotional program to open checking accounts with them and if you maintained a {$10000.00} balance for a certain amount of time ( I think 6 months ) then they would give you {$350.00}. I realized last month that I never got the money even though I participated in the program and maintained the minimum balance. I followed up with them and they ended up correcting the issue and giving me the promotion, however I wanted to submit a complaint in case this is systemic to all of the HSBC clients that participated in the program and people are getting scammed out of money by the bank. Please follow up with an investigation of the bank to see if they are making promises to clients and then not following through.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I received damage to my property. My insurance company issued a claim check for the damage, addressed to me and my mortgage company ( Ocwen ). I contacted Ocwen and followed precisely the instructions they provided to get the check endorsed and returned to me. I also included a written letter including address, loan number, and the desire for expedited service, along with a {$15.00} personal check for expedited return service. I never received the check back. My personal check was cashed, but when I called customer service about it, they said I did not send a personal check and that they endorsed and mailed the check via USPS. That was more than a month ago. I emailed them and faxed a copy of the cashed check. They continue to claim that I did not pay for expedited service and that the USPS lost my check.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Used my citibank American Airlines card to make a purchase for a vacation plan in XXXX in XX/XX/2016. Came back to the XXXX and found out that the companies made promises that they were not willing to actually do. A third party company was used to sell the services. There phone numbers are n't answered during business hours and Citibank and myself could not get in touch with them but the company that they contract was with keeps referring me back to them for the services that are supposed to be " free '' and basically I have gone back and forth with them about that. CitiBank reps are only hearing them tell me how to " access '' the services but when I do that they tell me that I have to pay although the contract states that it is free and no additional fees. On yesterday XX/XX/2017 after almost 4 months someone by the name of XXXX answered the phone at the XXXX place which Traveler 's Choice International calls " XXXX '' and I asked for my credit card to be refunded the {$2900.00} that I paid based on the fact that Traveler 's is not willing to honor the free flight and that is what I agreed to and she stated that she would send the request over to the accounting department for me card to be refunded. The issue is I told the CitiBank representatives that they keep telling them falsehoods on the phone but when I try and call to access the services either the phone is out of order or they get on the phone and tell me that I have to call the third party to access the service. I am not sure it they will provide the service which is the reason for the disputes that I continue to file. The first time I filed the case with CitiBank it was filed incorrectly and a new customer service employee was notified on XX/XX/XXXX and supposed to have a supervisor from his team to contact me and I have heard from no one with them as of yet.

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 non-monetary relief
Consumer complaint received 2016-02-11 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I am in the middle if a modification once again with OCWEN LOAN SERVICING. They are doing the same thing that they did before, stating that that they did not receive papers that I have sent them over and over again. In the midst of them working with me, THEY SENT ME A FORECLOSURE LETTER. This is a XXXX XXXX case.. 
MY DOCS HAVE BEEN ROBO SIGNED BY OCWEN. PLEASE HELP. I SENT A VALIDATION REQUEST OF THE AMOUNTS TO OCWEN AND THEY IGNORED IT. THEY ARE IN VIOLATION OF SEC 809B OF THE FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
This is my second compliant on my mortgage company. Back in XXXX they sent me a letter stating they was adjusting my mortgage payment to XXXX due to a new escrow fee of XXXX. I put in a compliant at that time due my taxes for my house is less than XXXX a year. Per the result they sent me and your company they adjusted my mortgage to show the amount i need to pay which is in the letter i am sending over. But they have not change anything. Since then all of my payment has not been posted correctly. My escrow balance in XXXX was XXXX and now it is XXXX. So now it show my behind on my mortgage. I seriously think they are doing this on purpose due to my bankruptcy will be over in couple of month and I think they will try to foreclosure on my home. I just want my payment posted correctly and mortgage payment corrected. I am stress out over this. Sometime I feel like just giving up because they are not helpful over the phone at all. I just dont know what else to do at this time. The crazy part is that i complain the last time and they corrected in a letter to both of us but never really did anything. I dont even know I can even trust the outcome of this investigation. I truly feel they are trying to take my house.

Company response to consumer: Closed
Consumer complaint received 2016-07-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
New modication in place, concern about fees paid by consumer for legal representation, DTI, NVP, and catastrophic illness of child in home, as a hardship, having explained this to previous loan servicer already, and having new laws in place, I would think my individual issue with home retention, asking for QWR for payment and other mortgage faults generated on servicer end looked at, the statements having been sent to my home asking for almost XXXX when the prior servicer poised to offer a workout after being turned down 3 times for a modification buy offered an in house mod after forced into a chapter XXXX, allowing my attorney steer me into a decision to convert to a XXXX, decided with other legal advisor a XXXX is where we were better off, but servicer asked for a XXXX increase, now the second servicer is asking for a XXXX increase as a XXXX tier XXXX is placed with a Balloon expected at Maturity but no correspondence with actual and all specs are explained transparently for what reason, not to benefit me it seems, with their saying they are here to help etc. etc, but monetary figures throughout structure does not seem to add up. As I said, increases to XXXX from XXXX now to almost XXXX is XXXX more between the XXXX servicers sharing same office space in XXXX XXXX XXXX Florida. XXXX payments they are saying are owed, on second mod, but first mod all payments were met with concern where they were allocated, XXXX XXXX XXXX XXXX XXXX XXXX, keeping current mod to become current seems is needed , but DTI and NVP were not a concern in my opinion to help my entire portfolio of debt and prosperity servicer has not asked me transparently XXXX on XXXX. Factual amounts of mortgage payment is not correct. Investor selling off its mortgage notes and servicer selling off its servicing rights leads me to be vigilant and concerned about changes happening in the set up of repayment and XXXX senario with statements sent to home now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: DC

Complaint narrative:
In XXXX of this year, Ocwen agreed to pay XXXX XXXX and provide {$190.00} XXXX in debt forgiveness in settlement with the State of California for amongst other things, Failure to submit correct information to credit reporting agencies on borrowers, jeopardized borrower 's ability to obtain loan modifications, provided inaccurate information on notices of default, Robosigning affidavits in foreclosure proceedings, Please notice that my monthly Ocwen statement of XXXX/XXXX/XXXX stated that my reinstatement amount for that date was {$280000.00} However on my credit report, the amount past due was entered as record for the amount of {$300000.00}? 
Can you or your client XXXX Bank, or it 's servicer Ocwen LLC please explain the difference or reason for the markup? ( see attachment ) Secondly, on the delinquency notice dated XXXX/XXXX/XXXX, My mortgage reportedly first became delinquent on XXXX/XXXX/XXXX, however, if we examine the initial default letter from Litton, I was deemed in default of my loan as the borrower on XXXX/XXXX/XXXX. ( and we should be mindful that on the credit report Ocwen, not Litton assumes ownership of this loan since it was initiated on XXXX/XXXX/XXXX ) ( see attachments - credit report and delinquency notice ) Also, Ocwen robosigned my affidavit, with the incorrect birthdate of course, while refusing or ignoring to acknoweledge recipt of the affidavit that I sent you and Ocwen dated XXXX XXXX XXXX. I sent the affidavit directly to Ocwen four times. ( see attachment )

Company response to consumer: Closed with explanation