vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-20 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: OK

Complaint narrative:
On XXXX XXXX, 2016, I sent check number XXXX to OCWEN. The amount of the check was {$15000.00}. I also included a request for a pay off amount after the payment was applied. I contacted OCWEN on XXXX XXXX, 2016 to find out why the check had n't cleared my account. I was informed that the check would be returned since it was n't enough to pay off the loan. I asked for the payment to be applied to my account and I would request the pay off after it had. The customer service representative agreed to this request. As of today, the check still has n't cleared my account. I have submitted a screenshot of my checking account balance to show that the funds for this payment are available. I have had nothing but trouble with OCWEN since they took over the loan. I want my payment applied and a payoff amount sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
In XXXX I have never had a late mortgage payment. 
My payment is P.I.T. there is no in loan insurance. 

My present loan servicing co. ( ocwen ) claims, since they took over the loan, ALL payments for XXXX+ months have been late.This never happened. For XXXX+ months they have been harassing me to pay thousands extra. Because THEY made several mistakes! 
The extra amount they claim is due changes up and down by thousands every month or XXXX. 
I have figured out that they seem to lose track of customers payments all the time and do n't have employees that can read their " payments received '' list. 
Maybe they do n't have a " Payments received list '', but they should have XXXX since they are in the business of receiving payments. ocwen has a reputation of doing this to thousands of citizens regularly. 
This usually ends in ocwen FORECLOSING on people 's homes! 

I have sent them transcripts from my bank 's bill payer system ( XXXX bank ) showing all payments exactly on time every month. The payments are " Wired in '' so they can not " lose '' any of them ( they " lose '' payments regularly ) and they still keep trying to collect thousands in erroneous fees. 
I need this to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: IA

Complaint narrative:
Ocwen does not report my mortgage payments to the credit bureau each month. I have called 4 times over the past 1 year and a half. Each time, Ocwen CORRECTS their system and my credit get reported for about one to two months and then stops again. I then call again and ask them to report it, which they do for about 1-2 months and then I call again. repeat this same process with ocwen each time. Please make them report my payments each month WITHOUT me having to call them and ask them to do what they are legally required to do!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I received my mortgage payment coupon from Ocwen and its now {$150.00} more a month so I called Ocwen Financial and they said I am short on escrow since XX/XX/2013 so they added it to my payment starting this month. I was told by the previous lein holder XXXX that you can not have a shortage for more than 1 calendar year. My present taxes and Insurance have not hanged significantly so I do n't get it?? There is no increases in any of the taxes and homeowners Insurance an there has n't been so how can they justify this increase?? They told me if I dont pay the new amount they will start foreclosure against me. I only owe {$67000.00} on my mortgage with them and I think they are trying to steal my house because its worth a lot more. Back a few months ago I was struggling and asked Ocwen to send me hardship info and I think that 's what started this whole process working against me.. I have seen on consumer affairs page about a man having same issue with Ocwen so beware they might be trying to grab others houses too. XXXX XXXX XXXX XXXX FL

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Cascade Capital, LLC
State: FL

Complaint narrative:
Received a letter in mail from XXXX in reference to a debt of {$760.00}. Letter indicates original creditor was Cascade Capitale which I have no knowledge of. This is causing me anxiety and fear my personal information is being shared with others which can cause identity theft. In no way this debt has been validated as mine and I request company to cease contact and delete information as to this may potentially affect my credit and/or use identity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
My husband and I are trying to refinance our house. Ocwen is our 80 % mortgage holder and they are not reporting our monthly payments to the credit bureaus. We tried to refinance with a mortgage broker and when she ran our credit Ocwen a showing as a close the account ( See example A ). She told us this is affecting our credit score and in turn we can not refinance. I contacted Ocwen 's resolution department to discuss this matter, they told me they are reporting our monthly payments to all XXXX credit bureaus XXXX, XXXX, XXXX, and XXXX as current and that I could contact the credit bureaus to confirm. When I contacted all XXXX credit bureaus to confirm our account is being reported as current they told me Ocwen is not showing on our credit. We have a high interest rate as well as it is a fluctuating interest rate with Ocwen. They will not let us refinance with them and we are unable to refinance with another company due to our credit score because of Ocwen 's lack of reporting. Ocwen 's resolution department sent me a response letter stating that they are reporting to the credit bureaus. And when I spoke with the credit bureaus individually I was told Ocwen is not showing at all on our credit report. Ocwen is still refusing to fix this because they say they are currently reporting our account as current. Since claiming bankruptcy in 2008 we have never made a late payment to Ocwen or our previous mortgage servicers. Since informing Ocwen we were speaking to other mortgage brokers about refinancing we have started to receive phone calls from a man named XXXX XXXX claiming he is from the Federal Government Mortgage Relief Program and that he can reduce our principal balance by {$45000.00} bringing are principal and interest payment to {$540.00} with a fixed interest rate of 1.6 % and he tells me that only he can talk to Ocwen to make these numbers official. But he does n't realize that when he called the XXXX to time the number on my caller ID showed up as a number I was given by an Ocwen employee as a number I could call Ocwen to check the status of the issue with our credit report. Can someone please help us we currently own more on our house then it 's worth we have never refinanced or remortgaged or borrowed against our house and just want to be able to afford our monthly mortgage payments and right now with our taxes and insurance we are paying about {$1800.00} monthly we are drowning.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08 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: VA

Complaint narrative:
I get repeated ( 3x/week for a year or more ) RECORDED phone calls from " Hunter Warfield '' asking for a person that does not live here and has never lived here, stating they are collecting on a debt. They give an option to hang up if you are not that person, but even though I hang up, the calls continue.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I have never applied for a home loan in my entire life. This could be a mix-up between my father and my credit, since we have the same name, except I am a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
Ocwen Loan Servicing falsely reported to the credit bureaus that I had overdue/delinquent amount of mortgage with them and that my account is 120 days passed due. They indicated that the account was opened with them on XXXX/XXXX/2004. I never had a mortgage with Ocwen Loan. I do n't even know where they came from. 
My mortgage was with XXXX XXXX XXXX Ocwen Loan Servicing copied the same information from XXXX and duplicated the information on my credit report. This reporting by Ocwen Loan caused financial injury on me and I was denied a XXXX Plus Loan because my credit went down by more than XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I received a letter from Ocwen 's Office of the Consumer Ombudsman. In the letter it is stated that " The Consumer Ombudsman 's office was created to provide a resource to assist with unresolved concerns and issues. '' How does Ocwen 's Office of the Consumer Ombudsman intend to provide assistance with unresolved concerns and issues if it follows the same script as Ocwen 's Customer Services and Ocwen 's Research Department? Should it do any of the research on its own or just repeat what the other XXXX offices are saying? 
It is also stated in the letter that " On XXXX XXXX, 2015, Ocwen received {$3300.00}, although it was {$0.00} short of the amount due ( {$3300.00} ) the funds were applied as the XXXX XXXX, 2015 payment. '' This is the same incorrectness as stated by Ocwen 's Research Department and the Escalation Managers in Ocwen 's Customer Services. 
Attachment 1 : my bank statement identifying the amount of the payment on XX/XX/XXXX was {$3300.00}. 
Attachment 2 : copy of my check to Ocwen dated XX/XX/XXXX for {$3300.00}. 
Attachment 3 : billing statement from Ocwen on XX/XX/XXXX identifying Ocwen as having received two payments from me on XX/XX/XXXX. One in the amount of {$1000.00} and another for {$2300.00} ( which by the way equals {$3300.00} ). 
Attachment 4 : billing statement from Ocwen on XX/XX/XXXX identifying Ocwen as having canceled the two payments from XX/XX/XXXX and reposted them on XX/XX/XXXX as a payment for {$2300.00} and {$0.00}. Along with two other transactions from XX/XX/XXXX and XX/XX/XXXX. 
WHAT HAPPENED TO THE OTHER {$1000.00}? 
Attachment 5 : billing statement from Ocwen on XX/XX/XXXX identifying Ocwen as having canceled the two payments from XX/XX/XXXX and XX/XX/XXXX and reposted them on XX/XX/XXXX as a payment for {$3300.00} and {$0.00}. Along with seven other transactions from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Attachments 6 & 7 : billing statement from Ocwen on XX/XX/XXXX identifying Ocwen as having canceled the payments from XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX and reposted them on XX/XX/XXXX as a payment for {$3300.00} and {$0.00}. Along with eleven other transactions from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Revenue Recovery Corporation
State: TN

Complaint narrative:
Received a call from the Revenue Recovery Corporation regarding a past due medical bill in which was in a different name than mine. I asked the company to investigate where the bill came from and how they got my information. After 30 days, I still received calls and no answer as to who this bill was actually for. They gave me XXXX different names on the account ... All the representatives I spoke with were not helpful in any way and XXXX was by far the rudest one there.

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 2015-05-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
The mortgage company, OCWEN, held the mortgage on my home which I sold ( closed ) on XXXX XXXX, 2015. OCWEN acknowledged receipt of the funds to close the loan on XXXX XXXX, 2015. They informed me they would send a check for my escrow account ( {$2800.00} ) within 30 days. Despite the fact they had my new address, they claim to have sent the funds to the old address in XXXX. Since the beginning of XXXX, they claim to have cancelled that check and to have sent the check to my address on many occasions. The story is that it has been sent or will be sent and just wait XXXX weeks to receive it. It has now been 117 days since they received my close out and I still have nothing but promises. I have spoken with customer service and/or an escalation specialist more than XXXX times regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
Since my last complaint, my account with this mortgage servicer was totally researched and it was discovered and settled by Ocwen that they wrongly calculated % and charged higher payments than they should have, on my loan, for the five years that they have serviced it. But the loan was actually from XXXX. I would like to request further examination of this loan, specifically when it was held by Litton Loan Servicing, which Ocwen purchased in XXXX. I have had my mortgage for ten years -- I closed in XXXX XXXX. I have statements from Litton Loan Servicing as early as XXXX. I want Ocwen to forensically assess my loan for what % rates should have been and if what I was charged was correct from XXXX to XXXX. If it is found to be wrongly calculated and I was overcharged in any way, I want a full refund including any late fees and interest or suspense monies held. I am deeply disturbed that my mortgage was handled so poorly and concurrently when I had great financial difficulties in my life. Tax-payers bailed out the banks and folks like me have been trying to do right, pay right and be smart about our credit through the entire crisis. Ironic. I have an Ocwen Ombudsman ( actually two ) but I have not heard from either one since I have left several voicemail messages regarding this new request. XXXX XXXX and XXXX XXXX are my Ocwen contacts. Please help me proceed. I have My Litton Loan Servicing account number and will scan the statement for when I made my first payment to Litton on XXXX/XXXX/XXXX via check # XXXX for the amount of {$1200.00}. My statement listed 7.25 % as the interest rate. The principal balance was {$240000.00}. And the last payment I have recorded to Litton was {$2400.00} on XXXX/XXXX/XXXX. The month before my records indicate I made a phone payment in the amount of {$5000.00}. My statement from Litton Loan Servicing dated XXXX/XXXX/XXXX lists my principal balance as {$260000.00} and the interest rate as 7.25 %. I need so much more information! Why did the interest rate change when Ocwen purchased my mortgage from Litton loan? Why has it always been 7.25 % if it was an adjustable loan? Was it supposed to be less every year since XXXX? Why is my principal higher in XXXX than in XXXX? Has this loan always been growing principal? Please require Ocwen to continue this case! They have to date refused any amount of financial settlement for damages -- even though they caused me financial stress, but if they owe me my own money, then I want every penny back. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
In XXXX, XXXX, I pulled my credit report and found an account I was not familiar with that was in collections with a company named XXXX XXXX XXXX. It stated that it was a closed credit card account and the original creditor was HSBC. On XXXX XXXX, XXXX, I sent a request for debt validation to both XXXX XXXX XXXX and HSBC regarding this account. XXXX responded on XXXX XXXX, XXXX, stating they could not validate the debt and would instruct the credit reporting agencies to remove the XXXX account from my credit report. HSBC never responded. In XXXX, XXXX, the credit entry by XXXX was not removed, the creditor name was changed to HSBC and noted as a Charge Off. In XXXX, XXXX, I filed a police report for identity theft with the XXXX County Florida Sheriff 's department regarding this account. I supplied this report to the credit reporting agencies XXXX, XXXX and XXXX in a formal dispute of this account. XXXX and XXXX removed HSBC from my credit report after fulfilling their own dispute validation processes. XXXX continues to report HSBC on my credit report and states it has validated the debt each time I have disputed it with them. On XXXX XXXX, XXXX, both HSBC and XXXX were sent letters from me. The HSBC letter was a second debt validation request and it included copies of the first request sent to them, XXXX XXXX XXXX response and the identity theft police report filed in XXXX, XXXX. XXXX included the same copies, with a letter requesting a full investigation of the debt. Nine days after XXXX opened the formal investigation, the closed it stating the debt was validated. Meanwhile, as of XXXX XXXX, XXXX, HSBC still has not provided the validation I requested. This account is not mine and I am struggling with the creditor and XXXX to properly validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: OH

Complaint narrative:
Hyundai Finance refuses to give the consumer any paper title, even when the loan on the vehicle is paid off. This is a racket as it causes the consumer great hardship when wanting to sell the vehicle ( unless you go back to Hyundai or XXXX of course. ) Our situation is that we bought a new vehicle in XXXX from Hyundai in XXXX XXXX. We bought a XXXX XXXX XXXX and financed it through Hyundai as a great rate was offered through the dealership and factory. ( We did n't think anything about not getting a paper title because we had a loan on it. ) Once we paid the loan off in XXXX, XXXX, however, we requested the title. The XXXX number for Hyundai Finance said we would receive it in the mail and if any problems to just call them back. We also told them we were in process of moving, but it did not concern the customer service representative. We moved to XXXX for a job transfer in XXXX, XXXX. Our mail was forwarded, but all we received from Hyundai was a " Dear Customer '' letter dated XXXX XXXX, XXXX. It states, " Congratulations! Our records reflect that your retail installment contract, referenced above, is paid in full. '' In the next paragraph it states, " The original lien on your vehicle was filed electronically and your title will be forwarded to you by the Department of Motor Vehicles. You should contact your local Department of Motor Vehicles division for questions regarding your title if you do not receive it. '' So we called XXXX DMV, where we resided since XXXX and the where the vehicle was registered since. XXXX DMV told us our vehicle was still titled in XXXX. Upon calling XXXX, they said to fill out a form and mail to them and they would send us a " replacement title '' because the title is only electronic. I find this horrible practice by Hyundai, causing a lot of consumers unnecessary grief and confusion regarding an expensive asset. Is n't it a violation to not give the title back to the consumer, and put this all on the states and their residents? What about people who have to move for a job or military? I ca n't see XXXX or XXXX doing this practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 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: AL

Complaint narrative:
I ca n't understand how my credit is low when I do n't have any debts but it 's showing that I have XXXX different amount of debt to the same company.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Fell behind on payments. After 90 days we received our {$1000.00} payment back, and spoke with XXXX XXXX. He managed to lower the actual owed amount to under {$300.00}. Since then I have not spoken to the representative more than once. I had to fill out XXXX modification packets. On the first XXXX we mailed and faxed, they claimed they never received or lost some of the paperwork. They 're excuse was that they had multiple offices and the paperwork could of gotten mixed up. I 'm in the process of doing it a third time, but all electronically with help from XXXX.

Company response to consumer: Closed with explanation