vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
My loan started out at {$70000.00} with Indy Mac. It is now up to {$80000.00} with another 30 years added. Another company, XXXX, supposedly was to begin to handle my loan. That did not work, I was charged because the company, XXXX, never existed. I keep making payments that are more than Ocwen is charging per month. I want out. I want to sue. A payment of over {$3000.00} was made but disappeared. A letter was sent that had nothing to do with me. Where do I sign up to sue. I have documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MO

Complaint narrative:
To whom it may concern, Once again Ocwen has still not settled any of my complaints. Ocwen is supposed to be banned from foreclosing on anyone until they correct of the wrong doing they have done to not just me but othersas well. Once again Ocewen is attempting to foreclose on me. Ocwen has been doing wrong just about as long as they have been in bbusiness. Once again I am suing Ocwen for a XXXX dollars and before I even get to court Ocwen may be able to illegally foreclose on me. I have had about XXXX XXXX because of Ocwen and now my wife just had a XXXX XXXX and XXXX because of Ocwens illegal activities. 
Ocwen has to be stopped. 
I believe also the SEC needs to be looking into possible stock manipulation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Cooper Hoffman Klein Associates
State: MI

Complaint narrative:
A company named Cooper Hoffman Klein and Associates called and stated they were investigating my bank account and I would be sent for prosecution for a debt for a payday loan from 6 years ago, they threatened to file a claim that would garnish me, send me to jail if I did not pay them XXXX today XX/XX/XXXX and the remained of the money in XXXX payments XX/XX/XXXX. I asked for proof the debt that they said they would e-mail me and I have not received anything they said I was a low life and I know I owe the money and it is time to pay. The represent themselves as a law-firm but I can not find anything about the firm. When I googled the company and phone numbers everything states it is a scam. They would not give me the address of the firm.They have called my parents leaving information about my so called debt while speaking with them. My parents are elderly and this is very upsetting to them. The phone numbers they call from are XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
OCWEN is violating the terms of their Consent Judgement in regards to my mortgage account. I am submitting this to you to have as record of my issues. I am seeking relief and requesting the Monitoring Committee established by the Judgement will take enforcement action against OCWEN and hold them accountable to the Judgement.

Company response to consumer: Closed
Consumer complaint received 2015-09-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
This is an addition to the previous complaint # XXXX : After begging Ocwen for a Short Sale package they finally did, however it took 2 days to send the documents. However there is concern of FRAUD from Ocwen. Here are the details. 
1.The XXXX system they use would not allow me to see the documents, because I needed an email from them to activate the account. 
2. I advised Ocwen of this, and they said they would put a package in the mail and would also send the documents thru their company e-mail. 
3.At XXXX XXXX and 2 days later, I received the company e-mail with the XXXX page document attachment. 
4. Amazingly, after I received the document, the XXXX, security activation e-mail came thru. ( 2 days later as well ) 5.I went to my bank to fill the paperwork out and the bank ( XXXX XXXX ) faxed the package. Ocwen said they did n't receive it. 
I asked for another fax number and I got, Rep # XXXX, and faxed the second time, from the same bank, to Attention XXXX and she said she would call when she received it, it was her direct fax line.She never called. 
6. Yesterday, I called and verified that it was there with rep # XXXX and he said they did receive the XXXX page package from the bank. 
7. Here is the potential FRAUD, page XXXX, income information. 
a.On the documents sent by Ocwen, page XXXX ( income page ) it has my spouse salary as XXXX a month and my weeky salary at XXXX. These numbers were already filled in by Ocwen. These figures are incorrect and these figures HAVE NEVER BEEN THIS AMOUNT! 
b. On the " secure documents from XXXX '' the salaries were increased amounts, his was XXXX per month and mine was XXXX per week! 
c. On yesterday, I received the mailed package and, page was completely empty, no salaries were listed. 

Note : I have been dealing with this kind of problem for several years. I originally wanted to keep my house. At this point, I want to get a reduction on all of the inflated fees on the mortgage, and the ability to avoid foreclosure and complete a short sale my home and receive a relocation package. My spouse is a Veteran and served his country faithfully, both of us have worked hard and I still do, we just want to be treated fairly and Ocwen has not done it. 
It appears they just want to foreclose XXXX XXXX by any means necessary. Your help is very much appreciated in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 00:00:00
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
Ocwen provided a response to this agency regarding a complaint that it was not doing a meaningful investigation into a notice to correct an error. In its response, it did not provide any support that it had in fact responded to the notice. Ocwen is claiming that XXXX XXXX is the current holder, but our issue with Ocwen and our notice to correct the Errors is that XXXX XXXX was not the holder when the servicer initiated the foreclosure on XXXX XXXX, XXXX. We request that in Owen 's response, they provide who the holder was in XXXX XXXX when the alleged pre-foreclosure letter was mailed, furthermore, we request that Ocwen inform us with information as to who the holder was on XXXX XXXX, XXXX when the substitution of trustee was recorded at the request of XXXX XXXX, and lastly who the holder was on XXXX XXXX, XXXX when the notice of hearing and sale was filed in the XXXX County Courthouse? The recorded assignment of mortgage states unequivocally that the transfer to XXXX did not take place until XXXX XXXX, XXXX. American Home Mortgage Servicing, initiated the foreclosure on behalf of XXXX XXXX in error, an error which we asked be corrected before Ocwen sold the house on XXXX XXXX, XXXX causing injury to us. Ocwen has attached void court orders in all its responses. Void based on the actions of Owen 's Predecessors and Ocwen is trying to benefit of such void orders. A copy of the affidavit of default is attached and although Ocwen has claimed that it investigated its files, we would like to provide a document that Ocwen likely overlooked during its investigation. In NC Affidavits can be considered by the Clerk. Certain information must be contained in the affidavit in regards to the facts that must be found by the clerk. THe statute attached here references that servicer shall provide a 45-day pre-foreclosure notice and the foreclosure statute at NCGS 45-21.16 states that the clerk must find that the notice was provided, but the affidavit that is attached at paragraph XXXX is an admittance that the servicer may have provided the notice. This affidavit voids the clerks orders and all the orders that followed it. We again ask that Ocwen stop its actions and correct the errors that it is relying on to complete the sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
Ocwen Mortgage company is involved in theft by deception. I filed a complaint with the XXXX XXXX office on XXXX XXXX. My house was destroyed by fire in XXXX of 2015. I reported this to mortgage company and they continue to send my statements for a property that is totally destroyed and was probably paid off by insurance company. My mortgage amount owed at the time was XXXX but the value of the property was approximately XXXX. So my wife and I our owned money after the property was paid off. Ocwen refuses to pay us the money owned. I also filed a complaint with the XXXX police dept on XXXX XXXX related to my Niece and her husband plotting to poison us. What is interesting is that Ocwen Mortgage was sending our statements directly to her without our knowledge or approval. So it appears that Ocwen was also involved in a conspiracy XXXX. She was used to hold the property until my wife and I were successfully XXXX so that the property could be transferred to family. Because I reported this to the police in XXXX of last year, the property was deliberately destroyed in order to avoid their being a connection between Ocwen and our family. The specific details and evidence was provided to XXXX XXXX and XXXX Police Dept. My loan account number is XXXX and the property is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. My name is XXXX XXXX and my current address is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I had an auto lease account with GMAC that was included in Bankruptcy XX/XX/XXXX. Bankruptcy was discharged XX/XX/XXXX. GMAC is continuing to report this account derogatory on my credit report every month to this day. When I contacted GMAC I was told they will continue to report the account derogatory regardless of it being included in Bankruptcy for 10 years from the date the bankruptcy was discharged. I would like the CFPB to help me to get GMAC to operate within the confines of the Fair Credit Reporting act and to stop reporting this account as derogatory, and further to take all of the derogatory remarks off of my credit report from the time the bankruptcy was discharged XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
On XXXX XXXX, XXXX, I incurred a financial obligation when I purchased my home located at XXXX XXXX XXXX XXXX, XXXX, GA XXXX for the amount of {$270000.00}. The loan was evidenced by a Security Deed, naming XXXX as the " Lender, '' and XXXX XXXX XXXX XXXX , XXXX ( " XXXX '' ) as the " grantee, '' or beneficiary, of record acting solely as nominee for same. On or about XXXX XXXX, XXXX, after it was alleged that I had defaulted on my loan Account, was assigned to Deutsch Bank Trust Company Americas. In an attempt to save my home, I 've made various efforts to get an affordable loan modification from Deutsch Bank. All attempts, however, were unsuccessful. It appears that they refuse to give me a reasonable workout option and is bent on taking my home. Because I questioned Deutsch Bank 's servicing of my loan and how credits had been applied and whether or not my loan account is actually in default, on XXXX XXXX, XXXX I forwarded to Deutsch Bank a Qualified Written Requests ( QWRs ) requesting that Deutsch Bank provide, inter alia, me with ( 1 ) A complete audit history from alleged loan origination, showing the dates payments were applied, and to what internal accounts ( i.e. principal, interest, suspense, escrow, etc. ) payments were applied ; ( 2 ) A complete and itemized statement of all advances or charges against this account ; and ( 3 ) A complete and itemized statement of the escrow for this account, if any, from the date of the note origination to the date of your response to this letter. Also, my QWR stated that it was my belief that my loan account has been improperly serviced in that credits for payments made by me had not been applied to my mortgage loan account. Deutsch Bank, however, did not respond to my QWR, took no responsive action and undertook no investigation into the issues raised by my QWR. 
The only way to ensure the integrity of my loan and whether my account has been properly credited is for Deutsch Bank to produce a verified accounting in compliance with RESPA 2605 ( e ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: AR

Complaint narrative:
My first mortgage is with Ocwen servicing, I 've gotten behind in my payments. I 've requested a mortgage modification with Ocwen. I faxed the modification request and financials. 
I 've recently had XXXX surgery and was off from work. I want to keep my home. 
I 've submitted financials and a modification request. There is a property foreclosure set for XXXX XXXX please postpone the sale and modify my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
In XX/XX/XXXX I had to obtain an attorney to help sort out the validity of my loan with Ocwen Loan Servicing , LLC, in which Ocwen did not respond to any of our requests. Even after personally writing a Dispute and Validation letter in conformance with the FDCPA and having our Attorney send in a QWR. The only information sent to us at this time was a blank assignment with MERS because of this my attorney advised us to stop making payments to Ocwen and asked for a XXXX of Deed and XXXX if they could not provide the information we had requested. In this time we did not receive any more information but did receive threats that they were going to proceed with legal action against us in the form of liens and foreclosure if we did not get caught up and continue to make timely payments. During this time Ocwen also continued to contact us personally by phone and mail even though they were repeatedly asked to contact our attorney. They also added on late fees, mailing fees, appraisal fees, etc. to the amount we were at this point disputing we even owed. Then in XXXX we were sent XXXX XXXX C forms which we refused to sign because there still was no validation of the debt from Ocwen. After bringing a second attorney on board to deal with this tax issue Ocwen sent us a letter in XX/XX/XXXX determining that the documents had been sent in error. In XX/XX/XXXX Ocwen notified us in another letter that they were releasing the lien due to a bankruptcy obtained in XX/XX/XXXX, it would take another year and a denial for a refinance from XXXX Bank in XX/XX/XXXX before they followed through with this XXXX of XXXX. To this day Ocwen has never confirmed who they were collecting for and furthermore if the debt was discharge in XX/XX/XXXX should n't Ocwen have stopped collecting and or forcibly trying to collect said debt especially after obtaining an attorney. This was not only illegal but became an unnecessary hardship on my family. We were unable to modify, refinance or sell the property until this matter was cleared.

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

Complaint narrative:
The response is fraudulent because I XXXX XXXX legally own the property at XXXX XXXX XXXX XXXX XXXX XXXX, MA, XXXX and I do not have any mortgage on this property and neither does my father XXXX XXXX, The only signed mortgage notes are registered at the registry of deeds XXXX from XXXX Mortgage that has been discharged and the other from XXXX Mortgage a division of XXXX XXXX Bank and no payment has been made on neither of them for over six years which is well passed the statue of limitations for the state of MA, as confirmed with the Federal Trade Commission. XXXX and Ocwen Loan Servicing LLC does not have any signed supporting documents such as notes registered at the registry of deeds, because of this XXXX and Ocwen Loan Servicing are breaking the law by denying me my Human and Constitutional Rights and also committing bank fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
I my home was wrongfully taken from me and I have written you all several times

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 explanation
Consumer complaint received 2015-08-13 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I am confused By XXXX Information. 
What company am I dealing with and why are They Falsely Reporting information on my Credit Report Timelines? 
1 ) Is it XXXX? ( EXHIBIT B ) 2 ) XXXX ( EXHIBIT A ) Was this Account/Loan Transferred? EXHIBIT ( A ) under DescriptionWas this Account Foreclosure Redeemed? ( EXHIBIT ( C ) XXXX Remarks ) Was it Reclaimed by Credit Grantor ( EXHIBIT ( C ) XXXX RemarksWho was the Credit Grantor and why have I not been Notified if Changed? 
Where are the assignments? 
Why are they Violating FDCPA, FCRA, TILA, Rosenthal act, RESPA and why is Ok to Flat out LIE when asked for Verification and Validation of Information

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
We have a mortgage with M & T Bank for our property located on XXXX XXXX XXXX in XXXX XXXX, California. I send monthly mortgage payments thru online banking with XXXX XXXX XXXX. The XXXX remits payments within the first 3 days of every month. However, M & T Bank keeps sending statements with late charges. I called M & T Bank in XXXX XXXX, and asked about late charge. According to the customer service person, the payment for XXXX, XXXX was late. They give only 10 days grace period. So I sent them the complete payments record for the last 6 months. Non of those payments were late. 
So they remove penalty in XXXX payment, but then added new penalty in XXXX XXXX statement. My wife called M & T Bank and the person on phone XXXX XXXX XXXX said he needs records for the XXXX XXXX and XXXX XXXX payments. Attached you will find copies of those records from the XXXX XXXX XXXX. I already sent these records to M & T Bank by fax, but they have n't removed the penalty yet!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Ocwen Financial Corporation
State: MS

Complaint narrative:
Following My Chapter XXXX bankruptcy discharge on XXXX XXXX, 2015, in which Ocwen was included, Ocwen started reporting to the credit bureaus that my loan was reaffirmed and reported balances, in violation of the fair reporting act. Attached are XXXX different credit bureaus reports. 
XXXX - shows Open, Balance & Reaffirmation of Debt ( XXXX payments made on time ) XXXX - Closed, shows Payments, Balance and Reaffirmation of Debt ( 12 payments made on time ) XXXX - shows Open, Payments, Balance and ( 13 payments made on time ) XXXX - shows discharged, Never Late, account paid as agreed ( missing history )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
CitiFinancial in XXXX locked me into a morage loan that I have been paying on for XXXX years and the Balence has not decreased and being XXXX yrs old i feel this company has taken advantage of me by locking me in a loan that I will not ever beable to repay, this loan is hard for me to pay at {$990.00} a month living on a fixed income, Also in XXXX it shows on my statements that the company filed on an insurance policy that was on the loan and the account was paid to a XXXX balance, the company still took payments from my bank acct. So from what i am reading it the statment they are getting paid twice for the loan and in the process putting me in the street.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: KS

Complaint narrative:
XXXX the loan servicing company wrote me demanding I I break into XXXX separate tracts for the local taxing authorities real estate that I own, part of which is covered by their mortgage, and part which is not. I timely complied and notified them XX/XX/XXXX. XX/XX/XXXX, I received a Annual Escrow DIsclosure Statement dated XX/XX/XXXX which raised my monthly escrow payment, in part because they added in, for making their computations, the taxes on the tract not covered by their mortgage that they had made me break out the year before. I responded and objected in writing the address they provided on XX/XX/XXXX. I waited over a month for them to respond and received no response so called. They advised they had no record of having received my letter and so suggested I fax it which I did. I have followed up several times but have yet to receive any written response or actual sonfirmation although last month they abated the monthly escrow sum due in the normal monthly statement they send me. While not being sent now, Copies of both documents and fax with confirmation receipt are available.

Company response to consumer: Closed with explanation