vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
In XXXX XXXX, I applied for HAMP through Ocwen Loan Servicing LLC to try and reduce my monthly payment. The application has taken approximately 1-year to process, and Ocwen has since been close to impossible to contact regarding the matter. They are constantly assigning new people to my case, which is making it more difficult to get things resolved. 

Additionally, my automatic payment option to pay for my mortgage has been turned off by Ocwen two times. Several attempts, on my part, have been made to submit the necessary paperwork to get the automatic payments set up again, but they have not been able to successfully reinstate it. Since this has happened, Ocwen has claimed that my loan is past due, however, my bank statements show that Ocwen has pulled the payment amount from my checking account ( where is the money going? ). My mortgage is approximately $ XXXX/month, but Ocwen has sent me several, certified letters claiming that I owe close to {$17000.00} for 3 months in arrears ( 3-months multiplied by {$2300.00} is {$6900.00} ). Their letters have claimed that I am in danger of losing my home. 

As a senior, and widower, I have been on a fixed income for several years, and have always paid my mortgage on-time ( my credit score is consistently in the XXXX FICO range ). I do n't have any understanding as to why my payment plan has been altered by Ocwen, and I am frustrated with the fact that Ocwen has made no attempt to help me get my payment plan activated. It is as if they WANT me to go into arrears so they can foreclose on the property. Meanwhile, the funds are in my checking account. 

Please investigate this matter, because as of XXXX/XXXX/XXXX, I have noticed ( based on CFPB data ) that out of XXXX complaints against Ocwen, XXXX are related to loan servicing, payments, and escrow accounts. This represents XXXX % of their total complaints, so clearly the issue is not with the borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
XXXX/XXXX/16 Received a call from XXXX XXXX stating that he was a representative of OCWEN Loan Servicing, and that we qualified for a fixed 2 % loan modification thru the HAMP program. He emailed me an Acceptance & Acknowledgement of Acceptance of XXXX Trial Agreement. On XXXX, my wife and I signed it and faxed it back to him at XXXX. He then said in order to lock in on the loan modification, we needed to send the first of XXXX payments {$610.00} by XXXX ( person to person to XXXX XXXX ). We did and he emailed me a receipt. He then called the next day ( XXXX/XXXX/16 ) to say in order to lock in on the 2 % for the life of the loan we had to send the other XXXX payments of {$610.00} each ( sent {$1200.00}. We did, XXXX person to person to XXXX XXXX. The next day he emailed another receipt. ( his email address : XXXXXXXXXXXX ). On Friday XXXX/XXXX/16, XXXX XXXX called and said everything was good, however : they could not guarantee the 2 % fixed rate for the life of the loan unless I send them an additional {$860.00} for processing fee. That 's when I became very suspicious.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Presently I have my mortgage loan with Ocwen Loan Servicing ( Loan No. XXXX ). For the past few years, I did have the same loan w/ XXXX under Obama 's mortgage program for low Income families, Ocwen purchased my loan from XXXX few years ago and they purchased it under same terms that I had with XXXX . 
Since XXXX of 2015, Ocwen has been harassing me regarding to buy Home Owner Insurance for my unit from them for the amount of {$740.00} per year. Ocwen is fully aware of our Townhomes Insurance policy for the past few years, suddenly they want me to buy insurance from them for interior walls and contents in my unit, and I believe Ocwen 's decision and attempt in this matter is illegal and unreasonable since they bought the loan from XXXX as it was. 
I have had to speak to Ocwen reps a few times and I did mail the Certificate of Liability Insurance to them but Ocwen is still harassing me, with Certified mail and they have not been reasonable.

Company response to consumer: Closed
Consumer complaint received 2016-07-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
victim of a predatory loan, have been trying to work w/the loan servicing company and they have been unable to help resolve the situation. Ocwen stated they are only the servicing company and the owner of the loan does not participate in any of the Home Affordable Modification programs, XXXX/XXXX/2016 conservation w/relationship manager was still delay in processing deed in lieu of next appoint is XXXX/XXXX/2016, but if we make a payment of {$7800.00} by XXXX/XXXX/2016 they can call us with the deed in lieu status by XXXX/XXXX/2016. We have been told that at this time the deed in lieu has not be approved by XXXX XXXX and they are pending the Titling information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: UMPQUA HOLDINGS CORPORATION
State: GA

Complaint narrative:
This is a follow-up to Case # XXXX I contacted the company to try and work out an agreement. I have attached all of the information.

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 2016-02-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
I am having a problem with my mortgage company Ocwen. On XX/XX/2015. I found out that they never paid my flood or homeowners insurance. When I called them they said that they sent both checks out on XXXX/XXXX/2015. It seemed strange to me that both checks never went to the XXXX different providers of insurance. So after several attempts to resolve this issue Ocwen finally did a conference call with my insurance company and myself. Everything would be taken care of. Ocwen only paid my flood insurance never sent the check for homeowners. Ocwen sends me a letter stating I do n't have insurance and they woulsd provide it but I would be better off to get it myself. Called my insurance company and because it was n't paid on XX/XX/2015 I was consider delinquent and had to go into a surplus pool and only XXXX would issue a policy at {$3600.00}. My previous policy was {$2700.00}. A huge difference which Ocwen said they would look into reimbursing me the difference by filing a hardship for their mistake. They did n't issue anything, never even acknowledged it. Since a year had passed I was considered no longer a surplus pool candidate and applied for homeowners insurance and received a policy at {$1600.00}. I had my insurance company fax, mail and they talked to Ocwen and everything was good ( XXXX/XXXX/2015 ). Ocwen would pay the new premium. They never paid it again so I paid for the policy out of my own pocket. Did n't want to be placed in the same boat as before.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I have previous had an auto loan XXXX and a refinance with XXXX XXXX a few years later. I currently have several credit cards and finance accounts with XXXX XXXX all opened within the past few years. In XXXX XXXX, XXXX XXXX sent me an offer for select customers to apply for a credit card. I submitted the application, only to be denied due to " accounts with XXXX were not paid as agreed ''. All of my accounts with XXXX have been paid as agreed. I contacted them by phone and was told that my account with my mortgage company is reporting as such. I do not have a mortgage account with XXXX. They stated that Ocwen/Litton is ( a sister company ) and has provided information that my account is not paid as agreed. I pulled a copy of my credit report and found that Owen/Litton did not report my account as if it were not paid as agreed. I previous sent a complaint about the misleading ways that my mortgage was being reported by ocwen/litton. Now they are possibly providing misleading " inside '' reports concerning my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
On XXXX/XXXX/15 entered into an agreement to increase monthly payments to cover post-petition negative escrow. Said agreement disappeared. Mortgage company removed negative escrow stating it was PRE petition and filed an incorrect POC in co-borrowers bankruptcy. I have all the documents to prove otherwise. All I want to do is pay the increased amount over 5 years to pay the negative escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
On Monday, XXXX XXXX, 2015, I am scheduled to complete the closing sale of my home in XXXX, Florida. As such during XXXX 2015, I contacted Ocwen Loan Servicing , LLC at their website to find out what the PAYOFF amount on the mortgage was going to be. Ocwen Loan Servicing , LLC subsequently sent me by mail the necessary written documentation dated XXXX XXXX, 2015, under PAYOFF QUOTE VALID THROUGH XXXX/XXXX/2015, which tabulates the Total Amount Due, to be : {$170000.00}. This is broken down as such : Principal, {$170000.00} ; Interest, {$2700.00} ; Satisfaction Cost, {$10.00} and Late Charges, {$130.00}, for a grand Total Amount Due of {$170000.00}. ( Such documentation was faxed over by me to XXXX XXXX XXXX, XXXX ). However, on XXXX XXXX, 2015, I contacted Ocwen by telephone, primarily to confirm the real estate county tax payment due on the closing date of XX/XX/XXXX and, which XXXX XXXX, XXXX had told me was supposed to be {$2400.00} and which Ocwen had quoted them. The Ocwen agent, by the name of " XXXX '', then quoted me a PayOff amount totaling {$170000.00} which I immediately disputed pursuant to the written quote which Ocwen had submitted & which I re-iterated to him ; and he also informed me that the real estate tax amount due was {$2700.00}, which again I disputed pursuant to their initial quote to XXXX XXXX, XXXX. Immediately after completing my phone conversation with that agent at Ocwen, I received a telephone call from the Closing Agent at XXXX XXXX, XXXX, who told me that she had just been notified by Ocwen, that the PayOff amount due Ocwen had increased to {$170000.00}, while the real estate taxes which I needed to pay off by Certified check at closing had been increased based upon Ocwen to {$2900.00}. However, the real estate taxes have always been in escrow with Ocwen ( the documentation for such was also submitted to XXXX XXXX, XXXX, as I had received it by mail from Ocwen as well ), but which they will not pay to the county until XX/XX/2015, and which now requires that I myself pay it at closing according to XXXX XXXX, XXXX and confirmed by Ocwen. I have had a series of disputes with Ocwen due to the high interest rate of 7.94 % bearing on the mortgage and which I attempted to have lowered via mediation by the Consumer Financial Portection Bureau, but for which I was always unsuccessful thereby creating the circumstance which causes me to sell the home ( at a very signifcant loss to boot ). It is totally unnecessary, vexing and practically fraudulent by Ocwen at this point to have increased the Total PayOff amount as well as the total real estate tax liability which I am afraid I will not be able to recoup from Ocwen.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
I fell behind on my mortgage several times throughout the years. I have submitted several applications for a modification before being told that the investor/owner of my loan did not allow them. Since then, I have been encouraged for several years to apply for a loan modification by my mortgage servicer, Ocwen. I explained to them that they continue to send me the applications and encourage me to apply, when they told me that my investor did not allow them. I later contacted the investor to be told that they did not make such a decision as it related to my loan, however, they refused to get involved when asked to contact the servicer. They did send me a letter. I contacted Ocwen several times over, demanding that they check my note to see if the investor/owner permitted modifications at the present time. They again told me that modifications were not allowed. I applied again last week and was denied the HAMP Tier 1, HAMP Tier 2, Shared Appreciation Modification and Proprietary Modification programs. My non-approval notice read " Unfortunately, the owner of your loan does not allow loan modifications. Please note, not all eligibility factors were evaluated ''. They also ran my credit report when they " knew '' I did not qualify. In the meantime, I checked my original mortgage note to find where it read " modifications are allowed ''. I can not believe how deceitful and manipulative these servicers are. Please, grant me the modification that I qualify for! To add insult to injury, I attempted to compare my original note with what Ocwen recorded as my note, it shows an entirely different note. The property recorded does n't belong to me, I have never held the account number listed with any of the many servicers that I 've had and my signature is not listed on the note. Someone else signed their note and Ocwen has it recorded in my case file. This raises questions as to what note they 're actually reading and if this is some sort of rip-off or scam? I also question Ocwen 's contract with my investor/owners, XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I am one month behind on my mortgage with OCWEN Mortgage who took it over from GMAC, they additionally have us owing several thousand in " late fees ''. I have informed them both verbally and through mail that the house is being leased and they have our address where we live in XXXX, XXXX. The house that they have the mortgage on is in XXXX, XXXX. They are continuing to send CERTIFIED LETTERS to our tenants there, and today XXXX/XXXX/2015 the tenants called me this morning saying that they came knocking on the door and asking for me and telling my tenants that I AM IN DEFAULT. Which is technically true, but this is not public information and is alarming that they are openly talking about my personal financial matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
my mortgage is a arm loan which was never explained to me and I have been paying on this for years and my balance seems to go up. I did n't know that this is how it would come out I have killed my self to keep it there should be a law on doing this to americans

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
My mortgage loan is currently serviced by Ocwen Loan Servicing. Ocwen currently has the outstanding balance listed at {$1000000.00} ~ see attached. They also have the interest rate set at 10.7 %. Since my mortgage loan payments and overall balance have adjusted upward sharply, I have requested a detailed accounting ledger and proof of the current serious interest rate increase. Ocwen has ignored my requests. Ocwen has recently sent a trial loan modification offer to me ~ see attached. They have stated the current payment will be figured off a {$580000.00} figure, but they have not advised where if the rest of the balance will be written off, forgiven or deferred via balloon payment. There is also no amortization schedule or interest rate listed. The loan modification offer lacks clarity, which is a requirement per the National Mortgage Settlement of XX/XX/XXXX. I have a pending foreclosure hearing on XX/XX/XXXX and Ocwen is stalling on responding my critical questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-20 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
XX/XX/XXXX, I received a letter from Citibank telling me that if I opened a new Citibank Checking Gold account I would receive XXXX XXXX XXXX AAdvantage bonus miles. I needed to open the account with {$50000.00} and use promo code XXXX. I was also required to make {$1000.00} in debit card purchases, and setup a bill payment for two consecutive months. 
I have met these requirements : the debit card purchase was completed on XXXX XXXX, 2016 for {$1000.00}. I made bill payments on XXXX/XXXX/2016, XXXX/XXXX/2016, XXXX/XXXX/2016 to XXXX. I had other bill payments as well, but this shows three consecutive bill pays ( exceeded the required two ). 
Upon opening my account, online, I chatted with a Citibank representative and asked why it did not ask me for my XXXX XXXX, the representative said it was not needed and that will be credited automatically when I met the requirements ( see enclosed ). 
On XXXX XXXX, 2016, I chatted with a representative at Citibank asking where my miles where because nothing had been credited to my account ( see enclosed ). The representative said they would do an investigation and it would take XXXX business days. After 4 days, on XXXX XXXX, 2016 I spoke to, XXXX, who said he did not know why I did not hear from them but he would escalate it and I would hear the next day. On XXXX XXXX, 2016 I called again, spoke to XXXX, and then I was told it would take some time longer because they were backed up. Called again XXXX XXXX, 2016, spoke to a gentleman and he said it would take 19 days to get an answer, and that no one told me it was XXXX days, even though as you can see I had this in writing. 
I called Citibank Executive offices and was transferred to XXXX at XXXX she said she had 14 days to research the problem and would get back to me. On XXXX XXXX, 2016, she called me and said that I would not be getting the miles because I was not eligible? I told her I had confirmed it on XXXX XXXX, 2016 and she said well that representative did not actually say you were getting the XXXX so you will not be getting any miles. However, as you can see from the attached transcript XXXX did say I would be credited automatically when I met the requirements. And my inquiry clearly stated it was about XXXX XXXX XXXX miles, yet XXXX says, no one ever said that. 
To date I have still not received my miles.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-23 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: SC

Complaint narrative:
Although I have submitted to the collection agency documents that prove I have paid this debt, they continue to send documentation concerning debt that I do not owe. I also was informed by my current landlord that I should not have included them as beneficiaries on my apartment insurance. The fees they are trying to collect are fees to their insurance company.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
We applied for a loan modification in XXXX 2015 and we were denied in XXXX 2015 for insufficient income. A reduction in the principle was not considered which would have qualified us with the income that was submitted. Home was foreclosed in XXXX 2015 and an income increase was submitted also in XXXX 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
My husband filed bankruptcy in XX/XX/XXXX. In XX/XX/XXXX, after a very long and difficult period working with XXXX, we modified our mortgage under the HAMP plan. Please note, that I was the primary borrower on our mortgage but had NOT filed bankruptcy. We also a XXXX mortgage with Ocwen, who refused to work with us on a modification on our XXXX mortgage. Ocwen advised that they could not speak with my husband regarding the bankrupsty, however, as I had stated to them on numerous phone calls, I was not part of the bankrupsty so they should be able to converse with me, but refused. When asked how we could settle approximately one year later, they said the load was written off, however, we never received a lien release, but went by their word. Ocwen purchased the first mortgage from XXXX and then shortly shortly after, sold the mortgage to XXXX. We have been making payments faithfully for over two years with Ocwen and XXXX, but now that we are only with XXXX and due to the modification agreement after five year, which will be in XX/XX/XXXX interest will adjust, so we went to one of our C.U to refinance our mortgage ( and we were approved ) and that is when trouble again begain as the title searched turned up the second mortgage lein. My husband tried to call the Ocwen immediately, but was told that a lein research release takes a minimum of 6 months and can only be done via fax. This is totally unexpectable and as faithful consumer, we have worked diligently to keep our credit rating in good standing, only to once again, be help back by the big banking industry. We have been dealing with this type of treatment for approximately 10 years, starting with XXXX and would really appreciate some relief when we work so hard to follow all the rules that the banking industry has established, however, only to be repeatedly abused by these big corporation. This is no doubt Unfair, deceptive and abuses acts and practices two fold. Thank you for any advice and or guidance you can provide..

Company response to consumer: Closed with explanation