vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-11 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Ocwen Loan Servicing offered me a Loan Modification in return for Dismissing my Appeal in the XXXX XXXX after Foreclosure Fraud. I accepted the Deal, Signed and Notorized the Loan Modification Paperwork and started sending Payments. I also signed Thier Attorney 's Release form from the Pending Appeal against them, Which they continually harassed me about. After making a Few Payments on the Loan Modification and Moving Back into the Property, Ocwen decided to send me an eviction Notice! I immediately Called the Attorney that designed the Loan Modification and was " Acting on behalf of Ocwen '' The Attorney " No Longer Represented Ocwen and or XXXX XXXX ''. It appears that Ocwnes Attorney never Completed the Paperwork on the Loan Modification. 

I have attempted to request an evidentuarty Hearing in my Local County Court and was Denied due to " No Legal Basis ''. I want to save my Home and find out what Ocwen has done with my Loan Modification Payments and why they are not honoring the Loan Modification? Also, The City has shut of the Water now and will not restore until my name is back on the Certificate of Title which has caused myself and my Children XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Ocwen, initially approved a short sale for {$280000.00} if I 'm handling for a probate listing. We were waiting for the court appointed appraisal to come back which took some time, and it was {$280000.00} as well. In the meantime the buyer backed out and we got a replacement buyer for the same dollar amount and I was told it was a trustee sale at the end of the month no one told they wo n't postpone the trustee sale to even consider the offer because it needs to be 100 % of the market value in order to stop the trustee sale. Wish I have an initial short sale approval for {$280000.00}. The other issue is this is dual tracking which is illegal in California. Attached you will find the short sale approval that was initially given to us for XXXX along with our offer that is consistent with their approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I have received on XXXX/XXXX/2015 letter dated XXXX/XXXX/2015 from OCWEN LOAN SERVICING , LLC informing that my Mortgage number XXXX was transfer to another Finance Company XXXX XXXX XXXX, XXXX. 
Information from the new Company XXXX XXXX XXXX, XXXX is incomplete and is not allowed to contact any body from that Company to continue my payments. 
Attached you can see letter received. 
Additional problem is OCWEN LOAN SERVICING , LLC has not clarified information requested before for payment modification that includes additional amount for {$710.00}. 
Could you please help me to : a ) Ash them to clarify where I Can pay my mortgage loan, because was due date XXXX/XXXX/2015 and they did not accepted my payment for XXXX. 
b ) Review all information for the modification that was not clarified for the additional amount for {$710.00}. 
ThanksXXXX XXXX XXXX XXXX, XXXX, Tx. XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
Debt cleared then re-emerging after new sale was made. I leased a vehicle XX/XX/XXXX which was totaled XX/XX/XXXX. GAP coverage, insurance, and individual coverage from the branch of Toyota were all applied to my balance to cover for the vehicle and the vehicle itself was auctioned off. I had received a letter notifying me that I had around 20 days to pay off a large sum of money ( approximately XXXX $ ). I could not pay this amount so it was put into collections. XX/XX/XXXX, I returned to the same Toyota dealer who originally leased me the vehicle to clear up any debt I may owe and possibly consider another vehicle, as I needed one to commute to work. After over an hour with the finance manager, and him making several calls to Toyota financial and Toyota Motor Credit Corp, we came to a resolution. The finance manager assured me I did not owe any sum of money to Toyota Motor Credit Corp, as did the individuals from TMCC we were speaking with about my account. I was entirely prepared to make a cash payment settlement at this time, but was assured I was clear of debt. After this all took place, the finance manager quickly addressed my need for a means of transportation and introduced me to a floor sales representative who had then sold me a vehicle for just over {$12000.00} under Toyota Motor Credit Corp. This is the car i still possess today, and make 100 % on time payments for each month. However, I received a letter in the mail today dated XXXX XXXX, XXXX stating it was a claim for collection from Toyota Motor Credit Corp in the amount of {$7400.00}. I feel that there has been a violation of the Consumer Protection Act in that I was taken advantage of, and even misled about information regarding any debts, in order to make me purchase another vehicle. This deception caused me to purchase a vehicle unaffordable to me in the event I owed such debts. Purchasing a more affordable vehicle and resolving the debt would have been my course of action had I not been deceived. However, instead I have been almost tricked into purchasing another vehicle and lied to about the true details of any debts owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
Ditech has continued to apply my mortgage payments incorrectly on a monthly basis. When I reach out to them, they apologize and make sweeping changes to my balance. Often I wonder if these balances are correct because of how drastic they can be ( several hundred dollars month to month ). The latest fight I have to do is over late fees. The company maintains I paid my mortgage late, but they draft the payments out of my checking account bi-weekly. It is impossible for my payments to be late when they draft it out of my account. When I reported them to the Florida Attorney General, they sent all this paper work trying to justify they were correctly posting my payments on time. I maintain that until I requested a look into the account, they were n't posting my principal payments on time. I still believe that the company miss posts and later makes huge adjustments to my balances ( and I do n't believe my balances are currently correct ). They say they ca n't apply my principal paid via bi-weekly drafts until the full amount of principal is received, but even in a month where they receive three bi-weekly payments ( the second of which would fulfill my full principal requirement ), the company fails to post the principal until the end of the month, at least a week after receiving the full principal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
The Law is the Law! Statue of Limitations law and laws for violating peoples rights are listed below. 

MGL Chapter 265 Section 37 MGL Chapter 260 Section 2. Actions of contract, other than those to recover for personal injuries, founded upon contracts or liabilities, express or implied, except actions limited by section one or actions upon judgments or decrees of courts of record of the United States or of this or of any other state of the United States, shall, except as otherwise provided, be commenced only within six years next after the cause of action accrues.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
Ocwen Loan Servicing is not giving me the proper documentation so that we can go to closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 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: GA

Complaint narrative:
The caller has been asked several times to stop calling my number that I am not the party he is trying to reach. He insists that I am. He calls everyday at least XXXX a day for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Ocwen Financial Corporation
State: AK

Complaint narrative:
On Monday XXXX XXXX, 2017, my home insurance company XXXX XXXX XXXX XXXX contacted me and informed me that Ocwen Loan Servicing , LLC contacted them stating that my home was vacant and unoccupied. XXXX XXXX contacted me immediately and we started looking into the matter further. They then stated that Ocwen Loan Servicing , LLC was listed as the mortgagee on my insurance paperwork. Ocwen is NOT my mortgagee and my house is not vacant. XXXX XXXX Bank is my mortgagee. On XXXX XXXX, 2017, I received documentation from XXXX XXXX to provide to XXXX XXXX stating that they were the mortgagee. XXXX XXXX did no see anything in their system showing that I changed who the mortgagee was. XXXX XXXX also looked into the issue and there was no indication that Ocwen has been a part of my mortgage at any time since purchasing the house. XXXX XXXX ( XXXX ext XXXX ) was my XXXX XXXX case worker.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I pay my Mortgage through Ocwen. My payment is automatically withdrawn from my paycheck every two weeks. I 've called them once before and asked that my payments be applied to principal and they told me I could only apply a full payment to principal and that it would be done automatically once I had paid a full payment ahead. Currently on my statement it shows that my next mortgage payment is n't due until XX/XX/XXXX. Which means they are holding my money and making interest on it until it 's time to apply the funds to my account. I called in today and they guy said he would apply the payment ( approx XXXX XXXX from XX/XX/XXXX to principal, and that it would be done automatically going forward. But that is not good enough as Clearly I 've paid XX/XX/XXXX 's statement in full already, but they are n't applying it to principal. How do I get them to stop stealing money from me. Is there someone that the consumer can petition to get them to properly manage my account?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-11 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
OCWEN MORTGAGE CONTINUES TO HARASS ME AND REPORT FALSE INFORMATION TO THE CREDIT BUREA THAT IS NOT TRUE. I WAS IN CHAPTER XXXX FROM XXXX XXXX UNITL XXXX/XXXX/XXXX OCWEN MORTAGE BROUGHT MY MORTGAGE XX/XX/XXXX THEY ARE REPORTING MY MORTGAGE LATE 30 DAYS AND 180 DAYS MY ACCOUNT HAS NOT BEEN LATE

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: ID

Complaint narrative:
Ocwen Loan Servicing is continuing to report a mortgage that was paid off in XXXX 2014 as being active. It has paid off for XXXX months. I attempted to call them, could n't really understand what the call center employee was saying and then asked to speak to a supervisor. I was put on hold for a while and I finally hung up. This company has been a nightmare to deal with from the day they acquired our loan for servicing and they 're online and phone systems are difficult to navigate in the event issues need to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CT

Complaint narrative:
Approved for permanent modification with ocwen loan servicing, One day you call them and they say there are no fees owed.. The next day you call them there are fees. Inspection fees ... .What are they inspecting? and why do they charge me for this. Additionally, paid all trial payments on time, credit report reflects current for those months. After trial period was over still making payments now credit report says 180 days past due. Called ocwen and they say I 'm current. Their own website does n't even reflect this it says I 'm XXXX past due. Who am I supposed to believe. Need to hire lawyer in order that they accepted my documents for the modification. They turned down the documents XXXX times before I got the lawyer and threatened to sue. Getting really tired of dealing with this company. They are very unorganized to the point that it 's obvious. There are so many discrepancies for my account on their website that it 's laughable .... There are numerous different amounts stated that I owe. Let me see ... Eeny, meeny, miny, moe which one shall I choose. Only in business to rip good hardworking people off. This company is a joke

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
Hello, My name is XXXX XXXX and I have a home located XXXX XXXX XXXX XXXX XXXX Il XXXX. I had been struggling not to loose my home and was in a modification that was too high for me to afford. I was told just keep up with my payments for 12 months and my mortgage would be refinance. I never had the opportunity for apply for a HAMP because I was informed the loan bank would allow and was located in XXXX. My loan was originated in XX/XX/XXXX with Indy Mac Bank who was also who I was making my payments too. I was informed my loan was sold and according to Respa I did not received a 60 day notice that my loan had been sold and now my property has been taken from me by deed. I was also inform that I could contact XXXX Bank who my loan was sold to by my originated lender on XXXX to apply for a Home Affordable Modification since I never had the opportunity to being in a adjustable rate mortgage and my mortgage was under water. I was not notified in writing from my servicers or origination lender that my loan was sold to the bank that foreclosed on my property and will not work with me on not eviction removing me from my property. I really do n't want to loose my property for unfair treatment of adding force place insurance to my modification not allowing me to get my own insurance to reduce my payments to a fair amount I could not afford. Instead my lender would not allow me since they were making a commission off of me. I feel they only cared about themselves not me as a borrower assisting me with a fair fixed rate mortgage instead of a ARM and violated Respa Guidelines by not written notice that my loan was sold to a lender I could have tried to work with to avoid loosing my property. Please assist

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
My family recently sold our house. The title company wired the exact payoff amount to OCWEN loan servicing LLC on XXXX XXXX. On XXXX XXXX, OCWEN pulled a monthly mortgage payment out of our checking account. When we contacted OCWEN they claimed never to have received the payoff amount even though I had the exact XXXX number with proof the payoff was received by their financial institution. They are now claiming they will look into the payoff and may look into crediting our account within 48-72 hours. Again I have proof they have the payoff funds and that the funds cleared - they are sitting on money and earning interest on that money by wrongfully not crediting us for payments - this should be illegal and something the CFPB should be stopping.

Company response to consumer: Closed
Consumer complaint received 2015-10-27 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
The amount left on my loan for XXXX 2015 is XXXX. I made my mortgage payment for the month of XXXX 2015 in the amount of XXXX. That was suppose to be used for the monthly payment of XXXX and a EXTRA principal payment of XXXX to be applied towards the principal only, as I clearly stated on my monthly payment coupon and on the bottom of my check. [ # XXXX XXXX When I received XXXX 2015 payment in the mail the amount left on my loan was XXXX which was correct. I made Octobers payment [ check # XXXX XXXX in the amount XXXX, which was broke down as XXXX with a EXTRA principal payment of XXXX to be applied towards the principal only, as I clearly stated on my monthly payment coupon and on the bottom of my check. Now at this point when XXXX payment was made the amount of my loan should of dropped below XXXX. But on XXXX my account on XXXX website shows that my loan amount is XXXX and that same amount is shown on my XXXX 2015 payment coupon I received in the mail. THIS IS CLEARLY WRONG. On my XXXX statement it shows a XXXX amount and XXXX unapplied funds. My Account on line shows that my next payment is n't due until XXXX 2015, so it appears that Ocwen went into my account reversed my principal payment and applied it towards the following months mortgage. I have tried to settle this with Ocwen XXXX different occasions, on the first occasion they sent me a letter that makes no sense at all. In that letter they say that I " requested them to provide the payment option available on aforementioned loan and breakdown of each payment option. '' They still have not responded to my second request. Ocwen has also raised my interest rate from 3.87 % to 4.00 % I am not aware that the feds have raised interest rates as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-18 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
On XX/XX/XXXX, I sent Ocwen Loan Servicing , LLC a QWR letter via certified mail. 
On XX/XX/XXXX, I received the green certified mail receipt confirmation signed by an agent for Ocwen and stamped " XXXX XXXX ''. 
I have not received any other written communication from Ocwen acknowledging the receipt of the QWR. Does this certified mail receipt constitute acknowledgement " withing 5 business days '' or are they required to send a letter to me? I want to ensure that they are complying appropriately with their servicing responsibilities, but I do not want to harass them unnecessarily.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
My mortgage company Ocwen Loan Servicing canceled my insurance. I was on a XXXX way call with Ocwen ( XXXX ) and my insurance company, XXXX XXXX XXXX ( XXXX ) in XXXX XXXX. A payment was arranged and Ocwen assured me they were overnight the payment. I did not hear anything more until XXXX of this year. I received a noticed from Ocwen that they were placing force place insurance on my property because I did not have insurance. I called numerous times because I have money in my escrow to cover the insurance. I finally found out Ocwen never sent my payment in XXXX or XXXX. I was never notified by either company that the payment was never paid or received. I also spoke to XXXX, senior underwriter of XXXX XXXX. I explain the situation to them and asked why they did not notify me that it was canceled for non-payment. She was very rude and would not help me at all. I lost my {$250.00} deductible and my renewal discount that I had since XXXX. She wanted to sell me a new policy with a higher rate and higher deductible. I asked why I was never notified and what happened with the payment and she told me XXXX no longer works there. I asked to speak to XXXX XXXX the owner. I spoke to him once and he was suppose to get back to me but he never did. I have called numerous times after but every time I ask for him, they transfer me to XXXX. 

I also have numerous calls to Ocwen. I have spoken to several supervisor regarding this and no one can fix it. As of XXXX XXXX, my insurance will be canceled again if I do n't pay the higher price. I have been paying my mortgage on time for years. I do n't understand how this can happen and how they can just raise my payments ( to cover the escrow shortage due to the more expensive homeowners policy ). This is not a way to do business. I am a hard working XXXX person trying to keep my mortgage current. I should have never lost my insurance and my payment should not have gone up over {$150.00} a month. What are my resources to get this corrected? What are my opinions? Do I have to sue?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: HW Holding, Inc
State: MN

Complaint narrative:
These are the same collector I disputed previously from XXXX. I used to lived a apartment call " XXXX XXXX '' in XXXX XXXX XXXX from XXXX to XXXX and when my least ended at the same year. I notice the manager for two months ahead that I will not going to renew the least and I 'm planning to move out and she agree to it unless I 'm not going to ask her the deposit money. And when I ask her she said l 'm going to clean towards the apartment. Because, I told her I 'm leaving some of belongings in the apartment and I said you can donate it any charities of your choice and she agree to that too.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation