vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-29 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Ocwen Mortgage is reporting negative information on a discharged account. They removed all information on account XXXX for me and my wife ( XXXX XXXX XXXX ). However, they did not remove information regarding account number XXXX. They admit that they do n't have records for the accounts in a previous dipute. 

Ocwen was not then lender at any point in time. They were the loan servicer after GMAC Mortgage. Ocwen serviced the loan from XXXX XXXX, 2013 to XXXX 2013 when servicing was transferred to XXXX XXXX XXXX. 
Ocwen should remove any and all references this account as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Hi I called OCWEN Mortgage on XXXX/XXXX/XXXX to make a payment over the phone and was told that I was unable to do so, even with a POA on file. In good faith, I mailed XXXX ( XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ) payments to OCWEN in an effort to make payments on the loan with my mailing address and instructions to send any correspondence to me regarding the payments. Per Ocwen, the checks were mailed back to me because they were not the correct amount to bring the loan current. I have sent correspondence to OCWEN via their Customer Service Link on the OCWEN web site : XXXX XXXX, XXXX and XXXX asking for an amount that was due on the mortgage in which I received a letter with an amount to reinstate the loan mid XXXX. 

Please note that on XXXX XXXX when I called and spoke with XXXX, I was not able to access any information on the loan even with a POA on file. 

Today, XXXX/XXXX/XXXX I spoke with XXXX XXXX who was very helpful and informed me that my POA had expired and needed to be resubmitted. This was accomplished via mail and the account has been updated to provide account access when I call. 

I was not informed that the POA had expired and needed to be renewed on XXXX/XXXX/XXXX when I called and spoke with XXXX, nor in any of the letters sent to me from OCWEN on XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX or XXXX/XXXX/XXXX. 

This is a problem which could have been easily cleared up on XXXX/XXXX/XXXX. However, I was never informed and have been trying to get an amount due on the loan since XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX foreclosure proceedings were initiated on the loan. 

I was unemployed from XXXX XXXX until XXXX XXXX, XXXX and called to make a payment on the loan XXXX XXXX, XXXX and was not able to do so. 

The additional expense XXXX from trying to obtain the amount due could have been provided to me if anyone from OCWEN would have told me the simple fact that I needed to resubmit my Power Of Attorney. 

Thank you for your time and attention to this matter, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Ocwen has serviced my mortgage for years. My mortgage fell behind and {$5100.00} was owed. I was contacted by Ocwen Financial offering a modification. I was told to pay {$9300.00} no later than XXXX/XXXX/16 then mortgage will be current. The {$9300.00} was paid to Ocwen, via wire transfer, on that date. The funds were returned w/out notice. I called & was told : First, amt was {$300.00} short, then, I 'm not eligible for modification. I told them they offered it to me, then they said : " Ok now pay {$12000.00} by XXXX/XXXX/16 & you 'll be current & your next regular payment will be due XXXX/XXXX/16 ''. Why was n't it made current w/the original payment? All that is owed is {$6400.00} - why do they want {$12000.00}? I ask for agreement in writing, never get it. Amt owed keeps increasing w/no explanation. Filed a written complaint on Ocwen site - no response. All calls are routed to an XXXX call center - never able to speak w/someone that can help. Funds are available in a separate acct. I need help w/this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I pd off my mortgage to Ocwen on XXXX/XXXX/2015, in payoff was added for escrow, butthere was escrow bal. taxes for XXXX had been pd. Now XXXX 2015 I have n't gottensatisfaction letter ; taxing agency has not gotten release of lein ; refund of escrowbalance & there is a derogatory comment on my credit score, even though I have n't been late in yrs. 
I have talked to them ; had ombudsman, now I 'm threatening them with legal action. 
I ca n't get anywhere w/them. Tax bills come due in XXXX & I 'm wondering what the hellwill happen. What a bunch of yaahoos.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-05 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: UMPQUA HOLDINGS CORPORATION
State: WA

Complaint narrative:
I am unable to get statements of account from bank, to validate my payments are actually going to my car purchase. Online statements were frequently unavailable " No accounts found '' and paper statements never get mailed. Bank states they 've got everything set correctly, but I still never get anything. Not even sure of exact loan type as the bank has yet to provide me any paperwork other than an account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
During a very slow and painful loan modification XX/XX/2015 our mortgage company, Ocwen, stopped paying our mortgage insurance from our escrow account. We were assured that once the modification went through, payments would begin again and bring the insurance premium current. Our modification was completed and I assumed payment had resumed as each mortgage statement included the amount for the premium. My husband passed away on XXXX XXXX, 2015. I called the insurance company to make a claim and was told that no payment would be made because the account was severely in lapse ( only brought current through XXXX 2015 ). Ocwen was made aware of the problem and I was told that yes, they had not made payments on certain dates, causing the policy to lapse. Nothing further was done. I called again on XXXX XXXX to make a formal complaint and was told they would look into it. Each week since that time they call to inform me that they have n't forgotten about me, but nothing new has been discovered. I understand that some research must be done, but my husband has been gone for 4 months now and I have continued to pay my mortgage on time ( plus additional towards principle ), as I have done each month in the past. I would very much like for this issue to be resolved quickly ( or as quickly as possible ) and I feel that Ocwen is dragging their feet in the hopes that I will give up and forget this issue. It seems that this is a common practice for Ocwen as we have experienced this behavior in previous dealings, which once included another formal complaint being made on our behalf by our Congressman 's office.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
I have a loan with Ocwen for my home, it was sold to them by GMAC, it is a FHA loan. Besides them being a repulsive company, I lost my job in XXXX 2015, I am a single mom, so I filed for assistance right away and it is now end of 2015 and I am still battling Owen. I have the FHA involved, I filed with the Attorney General office and still I am dealing with these losers. I have endless documents I can flex your office but in short- there is a Special Forbearance FHA program for those that lost their job, Owen denied me??? I have demanded a response to that and still nothing, Ocwen said I did not qualify because I did not have unemployment benefits- well I did and they have that proof!!! They completely ignore me. They made me do a modification packet, I am working again but behind on everything because I had to borrow money to make my payments when I was unemployed. Its a mess and the longer Owen drags it out the worse it gets. Bottom line, I should have received assistance when I was unemployed and second I should have had a modification by now. Owen continues to ask for documents I have already sent, XXXX or XXXX times! I work with their Ombudsman office now and they fax documents to the underwriters for me. They can see my documents but the reps in the Ombudsman office tell me they are not getting uploaded to the underwriters. Really! Then when the underwriter have everything they then send a letter saying now it is outdated and want new stuff. This is sickening, I am losing my mind and stressed bother tactics and I feel for those that do n't know how to challenge Owen. Please assist me ASAP. 
Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX, co XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16 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: FL

Complaint narrative:
Received a collection notice for an apartment that had major plumbing issues. I did what was required to be released from the lease XXXX month early. The manager told me to write a letter of my request due to the unsanitary health issues and now I have received this collection notice. I do not owe them any money, in fact they kept my deposit also.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: HW Holding, Inc
State: GA

Complaint narrative:
I have received phone calls regarding money I do not owe.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Computer Credit, Inc.
State: NY

Complaint narrative:
I was XXXX in XX/XX/XXXX. I resolved all debts with the hospital. XX/XX/XXXX, 2 years after the incident I received duplicate bills that I had already paid more than a year ago. Upon numerous calls to the hospital XXXX XXXX system. I was told that they have installed a new payment system and it is sending erroneous bills and that I should just disregard them and any automated phone calls I have received. Then I received no other bills and received the debt collection notice in the mail. I have paid THOUSANDS of dollars to this hospital over this incident, and I am receiving debt collection on this {$58.00}?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Receivable Management Inc.
State: SC

Complaint narrative:
someone stole my identity information and used it to create several accounts that i have protested because they are fraudulent I have a police report with the information as well as had to report to the ftc id theft affidavit notarized but this company is reporting this on my credit and trying to collect

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
During my time with Ocwen Mortgage, they changed my monthly payments to Bi-monthly. Once this occurred it seem like every month I would receive a late payment before my payment was even due. A few months they had reported me late before the XXXX of the month. I have been in contact with them several times and each time the answer is different. I currently sold my home but cant get a new loan due to them falsely reporting on my credit report. when I try to get this resolved I get the run around. When I finally got a phone number to call its to a pizza place. Every review online is the same thing. The people need to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Had a mortgage with Ocwen Loan Servicing. Refinanced loan, payoff was for more that owed on loan. Refund seems to be {$800.00} to {$1000.00} less than it should be. Ocwen will not give me an accounting of check amount. They are non responsive, called and emailed XXXX times with not response. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
In XX/XX/XXXX, I got a letter from mortgage co telling me they no longer would pay my ins this after they had collected themoney for the past year.During this time my taxes were reduce by 40 % .So they end up having my money in escrow for billsthey no longer were paying.After numerous phone calls to them they refuse to refund my over payment and reduce my escrow amount. 
In XXXX of XX/XX/XXXX after giving up I made a payment for the total of principal and interestwhich they posted as all principal.So after XXXX XXXX XXXX XXXX months of being lied to I have not sent in a payment.Now they are foreclosing on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I received my XXXX 2016 Mortgage Statement from Ocwen and noticed that on XXXX XXXX, 2016 they added a {$500.00} fee, listing it as Charge - Property Maintenance Expense Payment. I have never had this fee and my house is perfectly maintained so I contacted Ocwen and they forwarded it to the Research Dept. after a week and a half they forwarded me a copy of the {$500.00} invoice from XXXX which is a company within OCWEN who deals with foreclosures and other property related fees and it said date completed was XXXX/XXXX/16 and listed as : Registration Cost / XXXX and this did not answer any questions. It goes from a Property Maintenance Cost to now a Registration Cost? I contacted XXXX who advised me to contact Ocwen Property Preservation Dept. and after several transferred calls I was advised it was a Municipality Fee ... They said it came from XXXX XXXX County possibly thought they did not give any specifics. I contacted XXXX XXXX County Tax Collector, Property Appraised etc as well as the City of XXXX XXXX and all advised me that they would never charge {$500.00} and in their opinion this is a bogus charge. Ocwen tried to dismiss it as a one time municipality charge yet they will not provide any proof other then from their own company XXXX. 
I also noticed that there was a {$70.00} fee charged to the investor at the end of the month and I am not sure why this would show up on my account. They provide no answers and I want the {$500.00} fee removed immediately. 

My mortgage has always been in good standing and do not need to have false charges added to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: HW Holding, Inc
State: FL

Complaint narrative:
I rented an apartment from XXXX XXXX where upon moving out I received a bill for {$440.00} for damaged carpet. I asked at the time to complete the end of contract walk through with whomever completed this process. I was denied that option so I completed my own walk through with video due to multiple complaints from previous tenants for where they were charged similar charges. I received the expected bill of the above amount for damaged carpets. I then attempted several times to contact the apartment manager, XXXX XXXX, leaving several messages because she was unavailable to take my calls. I then called the corporate office attempting to plead my case and was directed to several personnel 's voicemails as well. I sent the video of my walk through, showing no damages to the carpets, or any other potential problems, to both the local apartment complex manager and to corporate. My video was mainly the carpets for the complaints that I had received from previous tenants was of their carpets. I did not receive any return communication from either party, so I attempted again to call both entities, without success. I then started receiving harassing and threatening phone calls from a collection agency, Hunter Warfield, where they told me that if I did not pay I would be turned over to the XXXX collection agencies. I am at a loss as what to do for the charges against me are false.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 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: FL

Complaint narrative:
Hunter Warfield calls all day or night about multiple people who do not live in this apartment, i have told them multiple times they do not live here.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
Due to unemployment of a XXXX job this summer, I fell behind in my mortgage payments. I informed my relationship manager in XXXX I would find another XXXX position in the fall. I took my XXXX XXXX pay and made a payment in XXXX. Ocwen 's position was because the date of the XXXX payment was beyond their XXXX day window, I was informed I had to enter into a repayment plan to catch-up on the payments I missed. I am in agreement with that. She also stated we would determine the payments after the return of the XXXX payment. 

On XXXX XXXX, 2014, my bank cleared a check for {$1100.00} to Ocwen Loan Servicing. I have sent Ocwen the following bank records several times:1. A copy of the cancelled check2. A letter from XXXX stating the check cleared on XXXX XXXX, 2014. 
3. A copy of bank statementTo this date, the mortgage payment has neither been refunded nor been applied to my account. 
I filed a complaint with the Better Business Bureau. The case number is XXXX. 

My attorney, XXXX XXXX of the XXXX has also sent correspondence about this issue. 

How can this problem be resolved when Ocwen keeps:1. Changing the person " working '' on this problem2. Admit they have no record of my XXXX paymentWho is actually assigned to work on this problem? What realistic steps have they taken to find my XXXX mortgage payment? How can Ocwen write me and admit they have no record of my payment and expect me to be OK with that? I have provided Ocwen with banking documentation normal financial institutions would find acceptable. Apparent, Ocwen has problems with record keeping if they have over XXXX complaint to the Better Business Bureau with an F rating. 

I receive a response from a different person from their ombudsman office with a general statement stating that will respond by a certain date and that letter turns into another request. Ocwen keeps asking for the same information over and over again trying to shift the responsibility for clearing this up with me. I do not work for them. What information from of the back of my check does Ocwen need to find the transaction they lost? I am not the XXXX that failed to keep accurate records when they cashed my check. Since I have proved I paid an XXXX 2014 by providing the XXXX bank documents, how does Ocwen get to write back saying they can not find it? I think they might be deliberately stalling to earn more interest. 

Ocwen can either accept my payment or refuse. They have refused so it looks like I am deliberately not paying which is not true. Why do I have to be in the limbo state due to Ocwen 's inability to keep accurate records?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HW Holding, Inc
State: AZ

Complaint narrative:
I have had recurring issues with Hunter Warfield attempting to collect a debt that I do not owe. In 2013, I disputed the entries that this company made to my credit reports. I was able to get these items removed from the credit bureau reports after I threatened to sue Hunter Warfield for its blatant violations of the Fair Debt Collection Practices Act. I recently became aware that they are continuing to report the same false information to XXXX XXXX XXXX. I am upset because I feel I have already made it quite clear to Hunter Warfield that this is not my debt and I will not be paying it, and that by continuing to report this debt they are breaking the law. Given the length of time that has elapsed, I am granting Hunter Warfield a grace period before I decide to exercise my right to take them to court for violating the FDCPA. I am hoping that the Consumer Financial Protection Bureau will be able to mediate this matter before I am forced to take this company to court.

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