vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I applied twice for a mortgage modification for my Ocwen loan which I desperately needed. Both times I was told I could not get a modification because I was n't late on any payments. Both times they told me I had to be make late payments ( or no payments ) for 2 months. ( this information is on several recorded phone calls. ) As I understand it, the banks are not allowed to force you to make late payments. The third time I applied I met the criteria of being late 2 months and I was given a modification. In the interim my credit card companies all lowered my balance amount so I ended up with almost no credit for emergencies. This too pushed the score down even further. I can not imagine how long it will take me to recover my good credit. I would have qualified the firs time I applied had they not insisted that I make late of skip 2 payments. I did have an ARM. Each application I ended up with probably 6 different people as my point of contact. You can not get help over the phone. The people who answer are very difficult to understand as XXXX is their XXXX language. If you have questions, there is no one to talk to.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
I have applied for mortgage relief under the XXXX program since XXXX under XXXX and since XXXX with OCWEN Loan Servicing. Each time I have been denied or the bank took to long to review documents. I was approved for a short-sell earlier this month after 4 months of waiting and the buyer pulled out due to the amount of time taken. I am again applying for a Deed-In-Lieu as I am XXXX and this is going to affect my security clearance. I am EXTREMLY unhappy with the service I had received and would never recommend this company as a loan servicer. They have extremely bad customer service and shady business dealings. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I had a banking error that led to insufficient funds. Having being off work for 9 months. I paid the late fee 's and submitted the payment a few business days later. Then next month my ( bank Bill pay ) made the payment on time and the bank OCWEN.. said I cant submit this form of payment. I asked if I could play by Card they said for a fee ... then said I only send them money Via XXXX XXXX or Cashers Check or Certified Bank Check. This all costs additional money on top of my payment to the bank. I told them that I should not have to be charged extra money because they wo n't accept typical forms of payment. So on top of the returned check fee. I will have to spend additional XXXX dollars to wire them money every month. 
They also said they would not except cash if I sent it to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Issues : 1. Loan has Impounds for tax and insurance, I received a letter from Ocwen for me to pay prop taxes. Tax Bill is delinquent. 
2. Reporting negative to Credit Bureaus when payments made early or on time. 
3. Ocwen is trying to make me agree to changes to the modification now that settlement has been signed. 

I in XX/XX/XXXX requested a loan modification because XXXX ( at the time ) sent me a letter that my payment would be going from {$3300.00} month to {$13000.00} per month. I made 5 attempts the 1st attempt I was not delinquent on the loan. The representative at XXXX ( XXXX told me I had to be at least 90 days late for them to consider me for a modification ) So I took her advice and requested XXXX more mods ... .I could never get a response. 

When they sued me, I requested a modification again and they refused eventually they said they would give me a modification. My modification was part of my settlement. I would execute their documents in exchange for my modification. Which is still way over value my house is only worth {$490000.00} and I have a modification for {$890000.00} plus a balloon payment. 

NOW they are saying I do n't have a modification if I do n't sign their newly revised modification documents. My 1st payment was in XX/XX/XXXX for a XX/XX/XXXX payment effective XX/XX/XXXX. I have tried to contact Ocwen to set up auto payments but they refer me to the law firm. They had me sending the payments to the law firm but the law firm was sending them the Ocwen so late my payment was getting processed toward the end of the month. So I last month and this month have sent the payment directly to Ocwen with proof of mailing ( just so the payment gets there on time. 

I have attached the Court Settlement Documents as well as The Fully Executed Loan Modification as well as the 2 Attempts to revise my modification. ( That I do not want to sign ) It even says in my executed modification that it ca n't be altered.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Ocwen has referred our loan to a foreclosure attorney that did not complete the certificate of posting in the Notice of Foreclosure Sale.

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: CT

Complaint narrative:
My home is in foreclosure with a law day set and I received an email from loan servicer stating that I have been approved for a loan modification. This email is dated XXXX/XXXX/16 and their deadline for returning the application is XXXX/XXXX/2016. I am not in receipt of the documents which the loan servicer said would be sent U.S. mail!!!! I believe I am a victim of " dual tracking ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
In XX/XX/XXXX, I attempted to make a monthly paymentfor my second note, which was refused. The balanceis now showing {$0.00}, which tells me it may have beensold or transferred to another servicer. I have not received anyof this via email ( preferred ) or regular mail. I now am two monthswithout a payment on the XXXX note because Ido not know who to pay. The servicer has beenOcwen and in trying to call they will not answer myquestions. I left a voice message : no response. 
I left an email message with no response. I attemptedan online email request to their Ombudsman and the responsegiven is the loan does not exist with no match forthe loan number or my soc sec number. 
I finally reached someone on the telephonetonight, and they tried to transfer me to anotherperson. I asked if they were transferring my callto another servicer, and the rep said no. She wastransferring me to another section in XXXXwho could answer my questions. I asked if myloan was transferred to another servicer, and shesaid she could n't answer, which is why she wastransferring me to someone who had the clearance. 
This morning I received a call on my home phone, but was too late to answer. They did not leave a messageand, when I redialed the number, got a fast busy signal. 
I have had people call me at work yet they do not leave a message.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
I filed for chapter XXXX Bankruptcy in XXXX and was discharged in XXXX XXXX the Mortgage with Ocwen was not included in the plan and was paid directly to Ocwen by me for the full mortgage contract payment. There was no modifications, no cram down no reduction in interest. Ocwen is reporting the loan as being discharged in the bankruptcy. Ocwen has failed to accurately report information to XXXX, XXXX and is not reporting at all to XXXX XXXX after my initial complaint in XXXX of XXXX. In Addition after the XXXX XXXX complaint Ocwen reported my loan as being included in a bankruptcy beginning XXXX XXXX. 
I have filed XXXX disputes with XXXX and XXXX as well as communicated my concerns directly to Ocwen. I have been denied credit based on the incorrect information in addition to the added cost of credit due to a lower score caused by this misrepresentation.

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

Complaint narrative:
My XXXX mortgage was modified in XXXX under the HAMP program. The terms were 2 % for 5 years ( 60 months ) changing to 3 % on month XXXX. That month was XX/XX/XXXX. Ocwen 's statement due for XX/XX/XXXX reflected the change to 3 %, but the P & I amounts were incorrect. They did get the interest portion correct, but the principle was miscalculated. The balance on the loan before the XX/XX/XXXX payment was {$300.00}. The Maturity dateis XXXX. So that leaves 299 months left at 3 % which yields a new Principle of {$680.00} and not the {$720.00} as written on XXXX 's statement. I spoke to XXXX at Ocwen ( her number is XXXX and at option XXXX enter ext # XXXX. When she called me back around XX/XX/XXXX she asked for copies of the modification agreement, which is not my responsibility to supply to them. They bought the servicing, they should have a completepackage. Further, if they correctly changed to the 3 % on the correct month ( XXXX month ) why do they need any documents, they simply just erred in calculating the correct principle. 
When I paid the mortgage on XX/XX/XXXX online, of course the website would not accept a smaller payment at all. So I paid the higher amount of {$1900.00} instead of the correct amount of {$1900.00} ( an additional burden of {$39.00} due to their mistake. Considering XXXX admitted to me that I was right, she claimed Ocwen could not change the terms without proper documentation. Well, How did they arrive at the correct 3 % amount ... its all stupid that a servicing company can not compute a simple change in a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
I filed for a loan modification in XXXX. It was never processed. They restarted a foreclosure action in XXXX of that year and claimed they mailed a back-dated letter that I never received. I never had the ability to appeal nor was given any information about how I did not qualify. The servicer is currently barred from foreclosing, as of the XXXX, from the XXXX, and is proceeding anyway and nothing has been done to correct this error from XXXX nor from the same situation in late XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Thunderbird Collection Specialists, Inc.
State: AZ

Complaint narrative:
Repeated Calls Calling my Work told XXXX XXXX to stop calling i would settle any debt with the original deter he then said i will just keep calling and hung up the phone 30 seconds later called me back i did not pick up 1 min later he Called me again then called me 2 more times after that

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
OCWEN, loan # XXXX refused my paments, then they pushed for forcloas a year later, which is now.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
HI, my complaint is about a modification that I got back in XX/XX/XXXX, and now that I have put my house on the market and went to closing on XXXX XXXX, XXXX there has been a big problem with the mortgage company the I got the modification with, My realtor and the title company has not been able to get the pay off balance from this company, because they keep coming up with different situation preventing the title company from getting this pay off balance, and this company charges me an additional 10 % of the proceed in which I amto received from the selling of the house, and I received a XXXX from them in XX/XX/XXXX in the amount of {$8800.00} during tax time, this is just a big mess and they are just ripping off innocence people that are in the need of help, I got laid off of my job in XX/XX/XXXX and got more hours to work on my part time job to make ends meet, so now as it goes, I will receive a little of nothing after this loan company takes the proceeds and If I am not mistaken it was 6 % and it has increased to 10 %, I 'm sure that I am not the only one with this problem so please, please help me, because I this that this company taken the advantage of certain races or all, and all the people that are working with this account states that they have never heard of such in all of their working with mortgage /loan companies. Thank you so much for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Computer Credit, Inc.
State: WA

Complaint narrative:
I received a statement dated XXXX XXXX, 2016, from XXXX XXXX XXXX. 

The amount was paid in full on XXXX XXXX, 2016. 

I later received a collections notice dated XXXX XXXX from Computer Credit , Inc, for this debt which was paid in full two weeks prior.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
We have made several attempts to refinance, We would like to refinance and remove balloon payment. We have received a modification only short term. Looking to remove balloon. We have made several attempts.

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

Complaint narrative:
With reference to my complaint number XXXX, Ocwen stated they had corrected their mistake and placed my account in a current status. This is a FALSE AND MISLEADING STATEMENT. See the attached screenshot of todays date. When I log into their web site, it STILL indicates that my XX/XX/XXXX payment has not been made. Additionally, the web site is trying to require me to make BOTH THE XX/XX/XXXX AND XX/XX/XXXX PAYMENTS PLUS PENALITIES PLUS A {$10.00} EXPEDITED PAYMENT FEE. I have called Ocwen and emailed BOTH the ombudsmans office and customer service, and have received NO REPLY. I believe that Ocwen is preventing me from using their web site in retribution for me filing complaints with Consumerfinance.gov.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
After I become sick and put on long term XXXX due to XXXX, I had to apply for a mortgage loan modification with Ocwen. I started the loan modification with in XX/XX/XXXX. I did my XXXX months trial period. At the end of XXXX I called to see what to do next because I had not heard from them concerning if I was approved for Permanent Modification. I was told to continue to make payments which I did. I paid my XXXX payment on XX/XX/XXXX. I received my payment confirmation from Ocwen. I have been back and forth with The Office of the Consumer Ombudsman for Ocwen. I was told in XX/XX/XXXX by XXXX XXXX that there was still a PAYMENT ISSUE FOR THE MONTH OF XXXX which was during the time when Ocwen were switching over from the GMAC system to their new system and that my XXXX payment was not applied correctly to my account making it seem as though I am a payment behind. I keep receiving letters telling me that the issue will be resolved, XXXX it was by XXXX, then XXXX, then XXXX, they XXXX. Got several letters in XXXX saying the same thing. No one seems to be able to resolve this PAYMENT ISSUE and I can not figure out why. On XX/XX/XXXX, I talked with the The Office of the Consumer Ombudsman for Ocwen XXXX XXXX XXXX XXXX again. She said she had been working on the issue and have not been able to GET THEM resolve it. She asked me if I could send her proof of payment. I sent her an email on XXXX XXXX, showing her proof of payment from XX/XX/XXXX thru XX/XX/XXXX. I have not heard anything back from her. I have called her and left a voice message several times asking her to please return my calls so I can see what was going on. I was assigned different relationship managers to help me on my account also but they are not able to help. I have been getting the run around since XXXX. ALL I AM TOLD IS THEY ARE STILL WORKING TO RESOLVE THE PAYMENT ISSUE. My account is still saying past due and I am current. I have made my payments on time since the modification started in XX/XX/XXXX. Today, XX/XX/XXXX I called the Consumer Ombudsman office again and talked with a XXXX XXXX and she said it was not resolved and that she was going to look into it further herself. This is crazy! Ocwen continues to send me a late notices and letters on foreclosure. The representatives tells me to ignore them. This has been very unprofessional on Ocwen 's behave. I do not know what else to do. This is very stressful and unfair to me. It will soon be a year since I started this Modification. They told me that I was approved of the permanent modification only by word of mouth but not my an official letter. My statements are showing that I am under a Forebearance Plan until the issue is resolved. My account online shows that the loan was modified but I was told that until the issue was resolved I will not receive a written statement that I was officially approved for Permanent Modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: IN

Complaint narrative:
My home was illegally and intentionally placed on a vacant and abandon list, by city employees who 've been out to get me for quite sometime now. Shortly thereafter, these same city employees falsified legal documents, forced entered my home 5x 's and fraudulently submitted the same documents to the electric and gas company and then DEMOLISHED my home right before my eyes. Ocwen the loan servicing company took No action, as they state the city NEVER contacted them about my home in thus violated DUE Process laws. Now Ocwen has denied me access to the website, in hopes that I stop making payments. They have also discontiued sending monthly mortgage payment statements. I believe this is an attempt to force me into foreclosure. I took a screen shot of the Denied access page when I logged into Ocwen Site to make payments, which I 've always done. Now since HUD has sent my complaint to the XXXX XXXX XXXX XXXX, I am blocked from having account access. I used an old statement to make this months mortgage payment, and sent it priority mail for proof! The city attorney who I believe is behind all this mess, is now the attorney investigating the HUD complaint. Ocwen and the City is working to ruin my credit because I 've filed complaints against them for fraud, waste and misappropriation of funds. I need Ocwen to open my account so that I can continue to make my monthly payments, without these many forms of on-going harassment, intimidation and criminal acts against me, until I am released from this debt in its entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Comerica
State: MI

Complaint narrative:
I 've had a Direct Express Debit ( MC ) Card for 2 1/2 years ( only VA & SS benefits can be deposited on this card ). On XXXX XXXX, XXXX, my card was hacked and {$1000.00} was removed. I informed the card Fraud Div. of this on XXXX XXXX, XXXX, immediately after learning of this incident. And, I immediately returned the fraud papers ( the same day ), they sent to me to fill out. I was told ( via phone call ), they would deposit the lost money to my card upon receiving my returned fraud papers, which happened many weeks ago. To date ( XX/XX/XXXX ), the money has not been returned to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
In XXXX I applied for and rejected a HAMP modification with my mortgage servicing company Ocwen Loan Servicing. They never canceled the modification after XXXX conversations and XXXX letters to the company. Upon making my XXXX payment per the online system in the amount of {$650.00}, which has cleared my bank account. I am now being told that Ocwen will report my loan as late as there is a balance remaining for XXXX in the amount of {$170.00}. Keep in mind in 10 years I have never paid a late mortgage payment and I have always paid my mortgage on line. No where in the online system did it state that my payment was anything more than {$650.00}. I have recently received my current billing statement for the month of XXXX and it states a total amount due of {$1000.00}. My normal mortgage payment is {$880.00}. When I call the automated system I am provided the following : payment for XXXX received {$650.00} ; Payment for XXXX due {$650.00} ; Payment to change XXXX/XXXX/15 from {$820.00} to {$880.00}. Ocwen can not get things straight and they are pushing it off on me. How do you get that I owe {$1000.00} when my mortgage payment is {$880.00}. 

Further, I am in the process of refinancing my mortgage and have requested a payoff statement which Ocwen is refusing to send or claiming they have emailed it yet nothing has been received.

Company response to consumer: Closed with explanation