vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
Ocwen Purchased my mortgage in XXXX XXXX from IndyMac per notice mailed to me in XXXX XXXX upon purchase I was behind a total of {$18000.00}. If you check the attached files that I screen shot from IndyMac/Ocwen you will see that I was Ch XXXX and IndyMac rcvd regular payments on a regular schedule from XXXX XXXX XXXX ( XXXX Payments of XXXX ) of an agreed payment arrangement on a past due balance of {$18000.00} in the amount of {$590.00} in addition to the regular scheduled monthly payments and escrow. In XXXX when the agreement was made they was a SURPLUS amount of {$540.00} escrow and no late fees or interest was allowed to be charged per the agreement. In XXXX XXXX I lost my job and was dismissed from Ch XXXX and could no longer make the {$1600.00} a month payments. I begin to work on a modification with IndyMac and a few months later they sold the loan to Ocwen. IF you subtract XXXX x XXXX {$14000.00} from the total arrears, that only leaves {$3800.00}. If you add payments for XXXX XXXX XXXX ( XXXX ) {$2900.00}. Totaling {$6800.00} That is far cry from {$18000.00}. When I sent the dispute information to Ocwen it was ignored. I have spent the last 3 year fighting for my home and requesting modifications and adjustments to just be shut down and have had game after paperwork game thrown my way. Enough is enough. I just want a credit for the {$11000.00} to the account and modification the additional arrears.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: UT

Complaint narrative:
XXXX : XXXX Ocwen Loan Servicing , LLC . Regarding loan : XXXX - XXXX, UT XXXX I am a XXXX in XXXX specializing in Short Sales. I have been doing this since XXXX. Never have I seen anything like this. I have had a good offer on this property since XXXX. Ocwen has drug their feet, changed numbers in their system, repeatedly putting me off for months at a time, only to turn around and tell me they now need updated financials from the borrower which is only due to Ocwen holding onto this property. I call Ocwen every few days - all my conversations are documented. Ocwen repeatedly told me that XXXX was the investor on this loan and that XXXX is the holdup. However, I have contacted XXXX and they confirmed that they ARE NOT the investors on this file. Also, Ocwen sent me a letter stating XXXX was the Trustee - XXXX told me that Ocwen has the sole power to make all decisions on this short sale. So, my complaint is that Ocwen has been giving me the run around for almost XXXX years - They have an offer for more than their current value yet they continue making me jump through hoops and stalling on officially responding to this short sale. I do not know what benefits they get for keeping this property on their books. But I have never seen such poor business practices. I have other loans I 'm working with Ocwen and the last one only took XXXX weeks to get an approval letter and the offer was lower than their current value. So, it would appear that Ocwen is intentionally keeping this negative file on their books for their own gain. This property is physically falling down the mountain and now with the heavy snow melting the damage is only getting worse. The home is breaking in half - the roof leaks badly so there 's mold issues ... and they have a full price offer. There 's something wrong or shady going on with this file and Ocwen.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-28 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:
When I vacated apartment to purchase a home, XXXX XXXX ( complex ) charged me for costs associated with maintaining a pet in addition to retaining the {$300.00} deposit. During this time the complex was acquired by XXXX XXXX, a large firm with XXXX. I paid the charges in full during the transition from XXXX XXXX to the acquirer, XXXX XXXX but the accounting systems between the XXXX did not account for all the payments made. I contacted XXXX at XXXX XXXX and the matter was resolved after getting harrassing calls and letters from Hunter Warfield, another collection agency. Subsequently and for a long period of time, Hunter Warfield ceased collection efforts on this previously paid debt. Now, recently they have apparently shifted collection efforts to yet another COLLECTION agency XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CO XXXX. ARC resumed collection activities on this paid obligation, calling my place of business and home and even my father 's home number in another state. I have written them and advised them to cease collection efforts, referring both to Hunter Warfield correspondence as well as that of XXXX XXXX the entity who has confirmed that the obligation is fully extinguished. Had XXXX XXXX proceeded with filing the claim on my renter 's insurance at the time, the charges would have been fully paid by the insurer. As a result, XXXX XXXX XXXX XXXX XXXX should in fact reimburse me {$720.00} in monies I paid as a result of them failing to proceed with filing a claim as requested.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I entered into a loan modification with ocwen and was on time every month and was never late. Even before that was only 30 days behind. Was told 3 months and it turned into XXXX. Finally they sent me the modification loan after I did complaints. But the principle was {$13000.00} more than it should of been. It went back and forth and the consumer office told me to just sign then they would fix. I ended up just selling yeh house to get away from them and paid my loan in full. Now they have reported to my credit agency I was late for over a year. While I never missed the payment. They sent me my sector balance which shows {$3800.00} in it remaining after close but they 're saying that 's wrong now and I 'm owed nothing. I tried to correct credit report but they still are refusing to correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Ocwen has refused to transfer my call to a US based representative, time and time again. They place me on hold, get an off shore supervisor, place me on hold again and then hang up after 5 minutes. I can not conduct the important business on my account because they refuse to honor my request to speak to an US based personnel.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
on XXXX/XXXX/2016 I submitted a {$25000.00} payment to Ocwen for a principle prepayment on loan XXXX. They used {$1000.00} to pay my regular payment which I did not instruct them to do. I want the payment reversed and credited as I directed all to principle payment and my payment of {$1000.00} made on XXXX to my XXXX payment. 
Ocwen is a predatory mortgage servicing company run by thieves.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
We could not make our mortgage payments. We tried to do deed in lieu. Ocwen Loan Servicing kept sending us letters that are deed in lieu is the process. We tried doing a short sale before that but do to storm XXXX no one would buy. We waited almost 3 years with a run around from this company saying are deed in lieu is in process. Every time we tried to contact them they said they are missing a paper. They would say same thing no matter even when we resubmitted it. No would ever contact telling they needed the info. They told us that we did n't have insurance. To make a long story short, they basically made us wait so are bills would be outrageous. They finally accepted the deed in lieu last year. Now the tax XXXX says house is only worth XXXX. That is a total lie. My tax consultant said I would owe about {$40000.00}. They should be responsible since I had no way to contact these people. They outsourced calls to XXXX. No one ever listened to you. They would say I would have to wait.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: AL

Complaint narrative:
I first rec 'd a statement from both XXXX and Hunter Warfield stating that my owned balance was {$580.00} ... statement date XXXX/XXXX/15 from XXXX and XXXX/XXXX/15 from Hunter Warfield ... Now they ( Hunter Warfield ) saying that the balance is {$640.00} which is a difference of {$59.00} ... No explanation given at all. 
How is it that I receive XXXX statement and then turned over to collection less than 4 days later? The problem is that I was never given a chance to review, confirm or dispute their charges ... What happened to the 30 days I am allowed to dispute or pay and the other statements I should have rec 'd from XXXX XXXX XXXX XXXX XXXX which is owned XXXX XXXX XXXX XXXX? The 30 days was allowed in the letter dated XXXX/XXXX/15 but not extend to me and now being asked to pay a different amount than from the beginning ...

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
I was party to a foreclosure action in 2007 bearing XXXX County Clerks Index Number XXXX. The action to foreclose the mortgage was on behalf of XXXX XXXX XXXX XXXX, as Trustee for XXXX XXXX XXXX XXXX, Asset-Backed Pass Through Certificates, Series XXXX, without recourse,. 

The plaintiff obtained a Judgment of Foreclosure & Sale on our property when no debt was owed. The defendants negotiated a settlement with the plaintiff and the resulting decision of the Court thereby Vacated The Judgment Of Foreclosure & Sale due to the fact that " the defendant paid off his mortgage and all costs associated with the action and granted by the court ''., as indicated in the attached affidavit of plaintiffs counsel. 

Now many years later after the time to appeal is 8 years past Ocwen Loan Servicing is sending threatening notices regarding the same mortgage and same debt associated with the XXXX action attempting to swindle the homeowners from their property.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
XX/XX/XXXX, my mom passed away, leaving me to deal with the mortgage, on XX/XX/XXXX I noticed that the escrow account was not being properly handled and paid. I requested to cancel the escrow with the lender and proceeded to pay the taxes and insurance on my own. Ocwen " the mortgage company " were still charging me escrow in my payment. therefore over charging me. I called to get things figured out. A man name XXXX who stated to stop making payments until they can figure it out. They have yet to do so, even after months of talking with several different people from Ocwen. So I decided to start paying it for fear of foreclosure and false info from the bank. I mailed a paymant, hoping that would at least get some attention on my account. The bank Mailed it back. Now the bank os refusing to take any payments. They have refused to stop charging me Escorw and now are refusing to talk to me or even transfer me to a supervisor. I need help because they are unfairly handling my mortgage, as well as over charging me in fee 's and escrow. I believe they are taking advantage of me and I do not know where else to turn .Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Ocwen Loan Servicing LLC is ambiguous with their use of my money and can not justify how they are using/applying my payments. In addition to making my regular, monthly payments on my house mortgage, i also send additional payments to be applied to my principal account only. Every month, I send a principal ONLY payment and i call them, it reflects on my online account for one day and then the next day, the company reverses the principal payment in order to charge interest on the payment. Also, when i call customer service, they become aggravated with my inquiries and are unable to explain/decipher my payment history on their ledgers. Ocwen is committing fraud against their customers/consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: KY

Complaint narrative:
The Loan " Servicing '' company my mortgage was transferred to is cheating consumers by not applying additional principal payments made on accounts in a timely manner -- or possibly even at all. My normal payments are made via auto-withdrawal from my checking account each month. The amount I owe is {$1200.00} and I always pay {$1300.00}. The additional {$39.00} should be applied toward my principal but they " withhold '' this money in unapplied funds. I do believe it is eventually applied, though I am not 100 % sure but it is not done immediately and therefore interest is accuring and thus in the end I am charged more. MY BIGGEST ISSUE : I recently sent a paper check to make an additional {$3600.00} payment toward my principal. I noted principal payment both on the check and on the payment coupon enclosed. They applied only {$2300.00} of the {$3600.00} toward my principal and then applied {$1200.00} toward my regular payment due XXXX XXXX -- -and then auto-withdrew my normal XXXX payment and applied it to XXXX. Though I am not a financial guru, I am confident that I am not coming out ahead in the interest calculations with the method they are using. They need to apply additional principal payments IMMEDIATELY. I made a phone call this morning and they indicated they would correct the issue ... ..How many people do not realize their deceptiveness and make that call. Americans like me work too hard for their money and when they get the opportunity to try and pay down a principal on a large mortgage, they should not be deceived by these large companies. I did n't choose OCWEN ... ..my mortgage was transferred there. The company is OCWEN Loan Servicing , LLC and the only address I have is XXXX XXXX XXXX ; XXXX XXXX XXXX, FL XXXX. This deceptive practice needs to be stopped across the board with all lenders. We should not have to babysit these companies and make them appropriately apply our funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Asset Recovery Solutions, LLC
State: OH

Complaint narrative:
I have a a unverified account from ASSET RECOVERY SOLUTIONS LLC # XXXX. I had previously disputed this account. I have never done business with ASSET RECOVERY SOLUTIONS LLC. Pursuant to the Fair Debt8 Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that ASSET RECOVERY SOLUTIONS LLC Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ASSET RECOVERY SOLUTIONS LLCCease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
XXXX XXXX, received a loan modification from Ocwen Loan Servicing, we were behind in our payments, by XXXX of XXXX the modification expired, and I was to obtain a loan., I applied to XXXX , HUD , Keep Your Home California and several private lending agencies. Ocwen gave us a loan for 6.25 %., this is outrageous., I paid them on time for 6 years, I was never late, and my FICA score was XXXX. The investor is XXXX. The Department of Justice instructed the banks to work with the homeowners for low interest loans., We applied for another modification about XXXX times, and OCWEN refuse us every time. 
This started in XXXX when our home taxes were behind, and Ocwen stated they would impound the taxes., well they did until they were brought current., unaware that they stopped paying the taxes, they got behind., we then took a {$40000.00} second on the property from XXXX ( XXXX XXXX XXXX ) , predator loan, to pay back taxes. Fast forward to XXXX XXXX, the XXXX is due ( {$40000.00} ), they refused to give us time to pay, unable to pay the full amount ( XXXX ) XXXX filed for " Foreclosure. '' My husband and I faced with option of losing our home filed for Chapter XXXX Bankruptcy. 
I know you do n't want to hear customers private lives, but XXXX in XXXX XXXX, I had XXXX in XXXX/XXXX/XXXX, we are both XXXX., we are both on Social Security, and choking trying to make the payments. I still try to work and my childrenhelp us financially, when they can.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
A speed fast mortgage payment was made on XXXX XXXX, 2016 at XXXX XXXX. by phone, confirmation number XXXX, but the payment was not posted until XXXX XXXX, 2016 because the cut off time was XXXX XXXX. Since there was a 49 minute difference I requested by fax and I mailed a letter to Ocwen to adjust the payment postdate to the correct date of XXXX XXXX, 2016 and remove the delinquency from my credit report, but Ocwen is denying my request. I talked to XXXX agents at Ocwen who both confirmed the payments are shown to be made on XXXX XXXX, 2016. The first agent was XXXX agent number XXXX and the second was XXXX XXXX agent number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
OCWEN assigned a XXXX ( in the " specialized cases '' department ) to handle the delinquency matter ; this person has not been available and returned only XXXX of the messages that were left. When further attempts were made, this XXXX had left a voice box greeting notifying callers that they were out of the office for a specified amount of days. When attempts were made to gain information on the account we were told that only that XXXX XXXX could answer questions, no one else in the company would be available to provide any information. The only remedy they proposed was to leave a message with the XXXX supervisor so that a new XXXX could be assigned or leave a message with the assigned XXXX and await their return call. This matter is urgent with severe delinquency and mortgage foreclosure pending yet there appears to be income sufficient to warrant a modification.

Company response to consumer: Closed with explanation