BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
To whom it may concern, We are currently trying to have a subordinate lien removed from the title on our home. 
It was placed there back in XX/XX/XXXX. 
We had fallen behind on our mortgage when my husband lost his job. 
We were told that it was just being added to the backend of our loan and only became aware of the lien last year when we tried to refinance. We later got on track and about or around XX/XX/XXXX our loan was purchased by Bank of America. 
We had been struggling to make ends meet and inquired about doing a modification on our loan with them. 
They said the only way to do that was to stop making our payments. 
So reluctantly on their advice we did. 
We were told we would receive documents to start the modification process soon. 
We waited and called to follow up weekly. 
We were told to be patient that there were a lot of loans being modified and they were on overload. 
Several months in we became scared of going into foreclosure. 
Still no modification paper work. 
At this time we got help from family to get caught up and called BofA to cancel the modification. 
Again we were told we would receive paperwork and never received anything. We later discovered that in XX/XX/XXXX BofA did a forgiveness for all the people that had fallen behind due to their failure of completing those modifications. 
We believe we should have been part of that forgiveness. 
We have pursued this with them multiple times. 
They said the reason we were n't included is because we were n't behind on our loan at the time they did the forgiveness. 
We feel that it is completely unjust that they are penalizing us because we tried to do the right thing! 
They promised us the modification that never happened! 
We have been in our home for 20 plus years and have no intention of selling! 
We feel that BofA should have included us in this forgiveness and had the subordinate lien lifted from our home. 
They said a company named XXXX had to lift it. 
In contacting XXXX they said BofA had to do that. 
So it 's been a ping pong game for the last year! 
We feel completely mislead by BofA and strongly feel that they need to rectify this situation. 
Our loan was with them at the time they did the forgiveness and we were completely cheated out of that opportunity to start with a clean slate. 
We have been wanting to refinance to try to consolidate and possibly lower our monthly payment. This subordinate is holding us back and we need help!!! Please whatever you can do to lead us in the right direction would be greatly appreciated!!! 
I have done a lot of research and it seems that we are not alone in being mislead by BofA. Please help us to right this wrong!!

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 2015-04-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
This complaint is associated with a home loan I was applying for with Bank of America. Details of this issue are included with the attached letter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-05
Company: Navient Solutions, LLC.
State: NM
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I was with XXXX. I received paperwork claiming my payments were being applied towards my student loan forgiveness. I have documents showing I have seven years of credit towards the loan forgiveness. Then I was told I had been moved to my XXXX. My XXXX says navient had me in the wrong payment plan and now those seven years do n't count towards the 10 years of payments I have to make to get my public loan forgiveness. This will cost me roughly XXXX in additional payments. 
XXXX also handled my loan consolidation after I graduated. They insisted I had to consolidate into XXXX loans not XXXX. Now XXXX, also a Sallie Mae division, says it should have been XXXX but it 's too late now to fix it. That error will cost me another roughly {$6500.00} in interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
1. On XX/XX/XXXX I applied for credit with Brand Source furniture co. and was approved, charged a table and chairs, and paid it off in a year. 
2, On XX/XX/XXXX someone charged some bedroom furniture to my account ( the amount is {$1100.00} ) I have no idea how they got the account no. ( first account ). I called customer service and they said it was fraud, I said yes close this account, but they didn't they sent me a another card ( second account ). The Brand Source security operations investigated and they said I am responsible and should pay the above amount. 
I called and a person named XXXX told me the address the furniture was delivered to and it's not my address. So I called Brand Source Security and told them this, so they asked me to send them a copy of my driver 's license and I did. But they never called or write to let me know they received it. 
3.They hired a collection agency XXXX XXXX  to try to make me pay for something I did not purchase. And oh, the letter XXXX  sent me has a different account no,, that's 3 account nos. and they never sent me this new card, I don't have it. So, this is very frustrating

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 2017-02-10
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Navient has made it absolutely impossible to change to an income-driven repayment plan. Every time I submit something it claims I failed to submit something else. I 've sent everything at least twice now. Now, it claims because I did n't include the word " gross '' on my income statement, they will not approve me for income-driven repayment. My loans were put into deferment during this period without my permission, which has cause my interest and balance to go up by at least {$1000.00}. I told them I would pay the full amount until this was resolved but I was still put on a deferral program.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I applied for a job with Bank of America in XX/XX/XXXX and was asked to complete a background check prior to the company making an offer. I agreed to the background check and was notified after approximately 3 days that Bank of America would not be moving forward with me as a candidate due to the results of the initial background check. I contacted the companies listed in the disclosure provided by Bank of America and both companies indicated that they had not received a request for a background check for me from B of A. I have contacted the recruiter and the corporate security department on four separate occasions by email ( 3 times ) and by phone requesting either : 1. a copy of the background check results or 2. The name of the organization to contact regarding the background check results. It has been approximately 4 weeks since I agreed to the background check and I have been unable to obtain a response from B of A. I would like to have a copy of the report on which they based their decision so that I can dispute any erroneous information if appropriate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card
Issue: Balance transfer

Complaint:
I have a balance transfer card with Bank of America with XXXX balance transfers at a promotional rate of 0 % APR. XXXX balance of $ XXXX where the promotional rate expires XXXX/XXXX/XXXX and XXXX balance of $ XXXX where the promotional rate expires XXXX/XXXX/XXXX. I was under the impression that payments would be allocated to the balance that the promotional rate expires first. However all payments are being applied to the balance with the expiration date of XXXX/XXXX/XXXX. Therefore my balance of $ XXXX will start having interest applied even if I have made enough payments to cover that balance. I was not informed about this payment application practice on the original contract nor is it detailed on any periodic statement. I would not have transferred either balance nor entered into the contract with BOA had I been presented this information. I feel like I did not have all of the relevant and material information presented to me prior to consummation of the contract.

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 2016-09-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Credit card
Issue: Delinquent account

Complaint:
I started receiving outrageous robocalls from Bank of America on XXXX/XXXX/XXXX and continue there abusive and harassing conduct. 
CALL LOG XXXX. XXXX XXXX XXXX/XXXX/XXXX Cease and desist letter sent XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX These are automated calls leaving repeated pre-recorded messages. 
XXXX. XXXX XXXX XXXX letter sent XXXX/XXXX/XXXX Cease and desist letter sent XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX sues me on XXXX/XXXX/XXXX

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 2015-12-11
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Student Assist Corp keep calling. I do not have any student loan since not a student for decades. They keep calling by getting my phone from phone directory. They left message to call them back at XXXX. They call two or more times and daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: Ocwen Financial Corporation
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
My home was foreclosed XX/XX/2016, My property deed was recently reinstated and I have been making monthly mortgage payments since XX/XX/2016 to Ocwen Loan Servicing. The deed has not been reinstated with the XXXX County Register office and the property is not showing in my name. Since Ocwen Rescinded the property foreclosure

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XX/XX/XXXX a three/ninety day notice from a very aggressive attorney XXXX claiming to represent a XXXX. without disclosing any debt collection notices as required by law. Soon after, I received a summons to court from Atty XXXX indicating my primary residence and home had been sold in a non-judicial foreclosure. According to my records a Notice of Sale was filed on XX/XX/XXXX then a Notice of Recission was filed on XX/XX/XXXX by Ocwen my current lender. Subsequently, no other notices were filed and I was not notified of any sale dates. I had been communications with Ocwen my lender under review for a loan modification

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Hello, I hope someone can help me with this problem. I have a mortgage with Ocwen. They took over the loan from GMAC several years ago. I 've lived in my house for 34 years and never had problems. 

XX/XX/XXXX, I was in financial trouble. In XXXX, I made a payment I thought was for XXXX, It turns out it was applied to XXXX, so In XXXX I was actually three months past due ( Including XXXX XXXX ). XX/XX/XXXX, I sent a payment for three months. 

It was rejected after 10 days and sent back. I called Ocwen. They told me about the XXXX payment ( my fault ) and said counting XXXX ( which was now past due ) I owed them {$2200.00} as opposed to the {$1700.00} I had sent. That day I sent them an electronic check from my bank for {$2200.00}. 

After 10 days the check was rejected and returned. I called them, they said I now owe for XXXX ( was not past due ) and it 's {$2900.00}. I sent another check from my bank that day for {$2900.00}. They held the check for 10 days and rejected it for being {$40.00} short. It was now past due and a late fee had been added. 

I sent an e-mail to Ocwen trying to resolve this situation. On XXXX XXXX I received a detailed accounting for what amount they wanted me to pay to reinstate my mortage and avoid default, which included my XXXX payment. The next morning, I sent to them by certified mail the exact amount the requested and a copy of the letter they issued to me. ( {$3300.00} ). 

Today, after 15 more days, that check was returned as insufficient. For three months, I have tried to pay, in good faith, every amount they requested. Their call-center is of no help and I expected this to be resolved when I immediately sent the amount stated in their letter of XXXX XXXX XXXX. 

What do I do? Please help. 

If they move forward with foreclosure, will I get some sort of hearing where I can explain my case to a Judge? 

Thank You, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We have payed over {$80000.00}. on our rental property this year. The mortgage balance is now {$3000.00}. We sent in our payment of {$1500.00} on XXXX XXXX. 2015. Check # XXXX. The amount of the payment due is {$500.00}. The payment represented our payment plus extra payment on the principal. Ocwen mortgage put in the wrong account. Our acct. # is XXXX. We have called numerous times but they refuse to give us credit even though we sent proof from the bank that the money was deposited into acct. # XXXX instead of our acct. Now they notified us the house is being placed in foreclosure with all the extra fees plus late charges. We have sent them certified letter explain what they did but they are ignoring us and saying they did n't receive the XXXX payment. We are senior citizens and need help to stop these crooks. We have never been late and we are paying this house off 25 years early. We understand that this a common practice with this company. Please help us or send us in he right direction for assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Regarding case # XXXX, how much time does Ocwen need to make a copy of the filing they have been claiming 'for months ' that they filed with the county? 
The question regarding as far as to why has their 'collection department ' being the one handling this loan when the loan was never on collection should also be an easy answer they should readily provide Why does the investor on whose behalf Ocwen was servicing the loan, wants to keep the note. I think that in this case CFPB should intervene and question the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-13
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I 'm at a high stress level from Ocwen mortgage loan. I can not reach them as they are in XXXX and are given a script. I have emailed them 30-50 times in the last year and the return emails are XXXX-XXXX and are signed with what I assume is an XXXX name. The accounting dept. is atrocious, making horrific errors and charging ME, reporting me as late, and NOW, threatening with foreclosure! The entire event is Absurd but I can not get them to correct their error! Please assist me ASAP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am a co-owner of XXXX XXXX XXXX XXXX, XXXX, New Jersey. The mortgage which I believe is an FHA mortgage is serviced by Ocwen. I was behind several payments to Ocwen loan servicing in XX/XX/XXXX. Ocwen refused to accept any payments from me an indicated that they intended to commence a foreclosure action against me. I retained an attorney to help me negotiate a loan modification. I also continued to save the payments that I was not making in a bank account so that if Ocwen required a lump sum payment I could tender the payments to them. In XX/XX/XXXX the attorney negotiated a loan modification trial payment of approximately {$3000.00} per month. I made every single trial payment and continued to make payments to Ocwen. At XXXX point they denied that I made the trial payments, then they acknowledged that the payments were made and indicated there was a problem with there system and they were migrating to a new system. By XX/XX/XXXX they could not give me a concete amount as to what my trial payment was or my permanently modified payment. One month I paid XXXX and then the next month I was told to pay XXXX There was no rhyme reason to the whole process. I have still tendering payments to Ocwen every month. 
Recently Ocwen wrote me to tell me the only reason I am not receiving a Home Affordable Modification Application was because I did not sign the documents. I did sign all documents that were sent to me and returned them to Ocwen. If I did not want the modification I would not have continued to tender the modified payment amount all of these months. My experience with Ocwen has been a maze of confusion that my counsel has not even been able to navigate. Mainly because once a loan modification was negotiated Ocwen dropped the ball for months and months and now maintains that I did not agree to a loan modification when all my action show otherwise. I should not be held accountable for their administrative incompetence. My attorney suggested I file this complaint and if it does not spur the resolution he will initiate litigation. 

My name is XXXX XXXX XXXX XXXX XXXX. 
My loan number with Ocwen is XXXX

Company response to consumer: Closed
Consumer complaint received 2015-06-08
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have never had a late payment in XXXX years. When my loan got transfered to ocwen they have reported me as late every month since. 
I have sent ocwen transcripts from XXXX bank on at least XXXX occasions. XXXX sends the payments on time every month. 
ocwen just sent me a foreclosure notice based on late payments. 
THERE HAVE NEVER BEEN LATE PAYMENTS!! 
My home is being STOLEN from me by fraud. 
I sent a copy of XXXX 's payment info to CFPB and they sent me a list of things to send to them XXXX of which was the list I had already sent them!! 
Since XXXX wires the payments most of the things on that list never existed! 
I have asked ocwen XXXX of times to tell me which payments were late. 
ocwen totally refuses to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-06
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen Loan Servicing has been charging me for Insurance of my home when I am paying the home insurance outside of my loan. 2nd ; Ocwen Loan Servicing charged me more than I owe on my Bankruptcy Chapter XXXX case. Also charged me over {$3000.00} for Asset Preservation during my bankruptcy. 3rd. Ocwen Loan Servicing took a copy of my signature to produce a Legal documentation ( Modification of my loan ) filed in the Deed Records ; supposedly in front of a notary which is false. 4th. Ocwen Loan Servicing did not give me credit for money orders paid by me which I can show that they were cashed by them. They have tried to foreclosure on my home several time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Our clients submitted a loan modification to Ocwen and were given a single point of contact XXXX XXXX. During the process of loan modification, they were concerned about the pending foreclosure action that was ongoing and were fraudulently advised several times " not to worry about the foreclosure action of default because they were being reviewed for a loan moidification ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
This issue is a very simple one. My home phone number is on the do not call list. About 1 month ago Portfolio Recovery Service XXXX. Started calling my number. Each time they call they ask for a different name never mine. I have told them XXXX times to stop calling my number. We are up to XXXX calls a day and its driving me crazy. I the last call I told them if they did not stop I would file this complaint. They were bold enough to swear at me and tell me there was nothing you folks could do and you were all a bunch of " XXXX ''. They called my home XXXX times today. I have had it. Please nail these idiots to the wall for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been receiving calls and collection statements from Portfolio Recovery Associates. I paid this debt in a settlement in XXXX 2015. I have disputed the debt with the credit bureaus but They continue to call me and to collect on the debt.

Company response to consumer: Closed with explanation