vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
XX/XX/XXXX, One West Bank sent me a HAMP package, informing me that I was qualified to receive all benefits of the program, as long as I send all documentation required and complied with the trial payments scheduled for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. ( Please see attachment XXXX ) I sent all documentation required, and timely sent the XX/XX/XXXX and XX/XX/XXXX payments. On XX/XX/XXXX I received a phone call from One West, informing me that they had denied my Hamp application. I said to the representative that the Hamp contract stated that if I sent all documentation and make my trial payments, the loan will become permanent modified by XX/XX/XXXX ( please see attachment XXXX, page XXXX ). The One West representative told me that even if I sent the three payments, they were denying HAMP to me, she also informed me that a letter with an explanation of the denial was going to be send. However, instead I received a letter of default of my trial payments. Although, I called and asked for an investigation of the phone call I received on XX/XX/XXXX, according to One West representatives there was no way to confirmed. On XX/XX/XXXX, I was served with a foreclosure lawsuit. One west never offered another foreclosure alternative, even that I was behind my payments three months only. Because a sale day was set, I hired an attorney to defend myself. The foreclosure attorney representing One West, was accused of bringing homeowners illegally to foreclosure by the Florida General Attorney, and was placed under investigation for long time. Also, Florida 's courts were extremely behind in foreclosure cases, time went by, years and years. All that time I repeatedly asked for an investigation on my case, but One West just ignored my requests. On XX/XX/XXXX my loan was sold to XXXX, and with being able to manage my account online, thanks to new technology. I found a log of phone calls and notes by One West Bank in XXXX 's web site. The phone call from XX/XX/XXXX that I have been referring to, is recorded there. ( Please see attachment XXXX, page XXXX ). According to One West Bank they were denying HAMP to me because they thought that the house was rented, which in fact, I was renting XXXX rooms at the time. All that One West Bank need it to do was request more information and prove of residency, which I would be able to supply without any problem. I contacted XXXX 's escalation department regarding this issue, but they complied that I should be contacting One west Bank not them. 
One west bank has taken away from me the chance to avoid foreclosure, the chance to have my loan modified by HAMP program. One West Bank has failed in their duty of care with my HAMP modification. One west is the reason I am losing my home. One West Bank has caused me a lot of harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
My mortgage company Ocwen Loan Servicing LLC . Will not remove false information on my credit bureau. XXXX XX/XX/2013 they but that I was XXXX days late on my credit, I have never been even XXXX days late and I have proof where every month they are paid automatically out of my bank account. I have talked at great length with them and the agree it was a mistake but the still will not remove it!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Integrity Solution Services, Inc.
State: FL

Complaint narrative:
Integrity Solution Services and XXXX XXXX XXXX are BOTH reporting a medical collection account for {$610.00}. This double reported has severely impacted my credit. They both need to be removed from all XXXX credit reporting companies. I have sent letters to the above companies without results. PLEASE HELP

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Cooper Hoffman Klein Associates
State: TX

Complaint narrative:
Debt collector called my minor son and left threatening message regarding a debt I do n't owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
In XXXX of XXXX myself and my husband filed a chap XXXX bankruptcy. We did not re-affirm the property. We continued to talk and work with Homeward Residential Financial in an effort to keep our home at XXXX XXXX XXXX XXXX, XXXX Ga XXXX. The home was in re-modification. In the beginning of XXXX our note was sold to Ocwen Loan Servicing ( Ocwen ) and they refused to work with the re-modification contract in place and found multiple reasons to decline a new re-modification contract. The account was closed in XXXX of XXXX and the property was put up for auction. We moved from the premises and Ocwen took possession in XXXX of XXXX. The property did not sell at auction. Ocwen proceeded to put the home up for auction every 3-6 months consequently sending us certified letters and running an announcement in the local paper. They have also put the home up for sale stating that they have possession through securing a " deed in lei of For-closure ''. The fact is they have never filed ( stamped ) the deed for for-closure. They instead filed a pass-through deed. We have contacted them multiple times as has my attorney. They have kept us from purchasing a new home as our 3 year seasoning period will not start until the deed is stamped. We feel very victimized by the neglectful handling of our paperwork. We have been forced to spend XXXX dollars on rent instead of investing into a new property and beginning to rebuild our lives. We have also been ignored, patronized and lied to in the process by Ocwen and its representatives. We are looking for the deed to be stamped and dated correctly as of XXXX XXXX and retribution be paid of {$30000.00} for rent that has been paid. This money would have went to the property in question if they had honored any re-modification or to new property so that my family can regain a sense of stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: OR

Complaint narrative:
While going through the OFAP process i experienced problems with both XXXX and my loan servicer, OCWEN. XXXX failed to act impartially, ensure that relevant documents were made available and explanations provided where needed or requested, refused to respond to emails from my housing counslor asking for assistance, failed to assure required documents were submitted, failed to conduct an even-handed and fair resolution conference, and failed to get in writing lenders HAMP offer. 
OCWEN placed lender flood insurance back in XX/XX/XXXX that i am still fighting to get reimbursed on and they still deny that they did it even though my transaction history that they provided through the portal during my OFAP application process shows that they did. I sent a certified letter to them disputing my debt and they mailed back a letter that basicly just said " no we did n't ''. I have proof of my coverage and their charges. During the OFAP process they refused to give me my NPV or my PSA. I never had a single point of contact. Neither i nor my housing counslor could ever get ahold of the same person XXXX. They keep acting like they are considering my modification and yet they move forward with foreclosure while telling me they are not. Charging unauthorized fees and not showing what they charges are for, plus math that i just can not figure out. They have found a way to abuse the program by claiming your application is incomplete. All they have to do is say so and either refuse to accept documents, say they were late, claim they did n't receive them, or just keep asking for the same document again and again no matter how many ways you send it or how many times. I have been trying to do this program since XX/XX/XXXX. They have lied, abused, decieved and ground me down to nothing. I have filled out their RMA XXXX times. I faxed the latest one this morning. Please help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
XXXX XXXX sold my accounts to Navient which didnt allow me to lower my payments. They only allowed md to do a forbarance after i became XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Primary loan with XXXX requested an unpaid principal balance that should not exceed 8 % of the balance owed. On XXXX/XXXX/2015 at XXXX Called Bank of America ( BOA ) spoke to XXXX XXXX ID # : XXXX Said the account has been charged off, the loan has been forgiven and is no longer. XXXX transferred me to Charge off dpt. where I spoke to XXXX and said yes the account has been charged off. I asked BOA what is the reason for a short sale when the account has been charged off and is no longer, written off, no balance, loan has been forgiven?. Once BOA realized there was a potential for getting some income from the primary loan then the story changed. BOA is telling us that the account has been charged off however is still eligible for collection. How can you collect on something that is no longer? I asked ... Then the verbiage changed from the account is charged off to account not being written off and that written off means loan amt has been forgiven however charged off the loan can still be collected on.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XXXX XXXX, XXXX a direct deposit of {$200.00} was made into my account within minutes of the deposit my account was hacked. The hacker attempted to transfer {$220.00} from my account by XXXX separate transactions. I immediately called American Express customer services, reported the pending fund transfer. I was then transferred to investigations, answered all their questions, changed secured question, password, etc. I was told the matter would be investigated and someone would contact me in a few days. Although I reported the hacking immediately while the transaction was still pending, American Express proceeded to transfer the money to the hacker! 
I waited until XXXX XXXX, XXXX before calling American Express again. This time when I called, I was told oh they should n't have told you that an investigation takes XXXX-10 business days from the date of the incident. So on XXXX XXXX, XXXX I called again to check on the status of the investigation and get an answer as to why my {$220.00} was still being held. Now American Express is saying that the investigation takes 45 business days!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-12 00:00:00
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I started having problems at my commodities job XX/XX/XXXX! I started seeing Drs and was diagnosed with anxiety disorders and Atrial fibrillation XX/XX/XXXX. I had to quit my job on XXXX the S.S declared me total disable on XX/XX/XXXX! then I had XXXX on XX/XX/XXXX! i was trying to make payment with with American Express at that time but the told me that i had all ready maid an agreement and that they only do agreements for 6 months one time a year! I owed them around {$13000.00} I told them my situation and that I had no income so XX/XX/XXXX I started getting calls from them offering to settle for {$5800.00} the person was from another country promising that he was representing XXXX. but it turned out to be collection company to of XXXX XXXX they had all my account information he would call me about once week and offer to settle for a different amount each time! I Called A.E. each time and told them that I just wanted to be put back on a payment plane but was denied each time the representative said that it had n't ben turned over to a collection agency! on XX/XX/XXXX I got my first phone call from XXXX XXXX XXXX, XXXX. they sued me on behave of American Express they offered XXXX different payment plains witch I could n't afford so we went to aberration I had no lawyer! we agreed for me to pay {$6600.00} at {$110.00} per month in court which I have done on time with my S.S. XXXX money! 
my biggest concern is that they continue to report late payments on my credit report every month, I have not been late or missed a payment since we made the agreement they auto draft it from my bank account every month! 
I do n't think that it is fair for them to continue to hurt my credit when I am doing everything in my power! My accountant told me to file bankruptcy XX/XX/XXXX! I got caught in the Housing scam I had XXXX houses XXXX were for investment purpose, I lost them all plus the house that I and my family live in is in foreclosure! in total I lost close to {$15000.00} and that not counting my house in foreclosure no wonder that I have hade all the health issues! 
my fido score was once above XXXX so I am not a deadbeat I just do n't think it fair for them continue to hurt my credit!!!! 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Navient has NOT processed any of my paperwork and failed to notify me every single time. They have continually created obstacles for me. The only reason I know that nothing continues to be done is because I am persistent with calling. They have continually created obstacles to repayment by providing bad information ; processed my payments and paperwork incorrectly ; failed to act when borrowers I have repeatedly complained ; illegally cheated me out of their rights to lower payments. And for some odd reason my student loan amounts continues to grow even though I 'm not in school and I have processed paperwork on my end.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
On Tuesday, XXXX XXXX, XXXX : I finally spoke to a Floor Supervisor from Navient, Inc, the Lender for my Student Loan. 
I was told that Navient changed the dates on my Forbearance ( without my knowledge ) and that they found errors in their own system with their billing. I was to begin payment on XXXX XXXX, XXXX ( my e-mail shows that ) and they are telling me their system made a mistake, and that my Forbearance was " supposed to end '' on XXXX XXXX, XXXX. They told me that I must either go into Forbearance if I can not afford the " missed '' payment ( Payment was never missed as the payments were supposed to start on XXXX XXXX and I have paid every single month on time. 
The Floor Supervisor told me I must pay the " outstanding '' {$230.00} or else my name would be submitted to the Credit Bureau, as well as putting my loan within delinquency. I asked what my options are, as a {$470.00} a month payment is not what I can afford, hence, why I am on the income based repayment plan. They tried forcing Forbearance on me, as my " only option if I ca n't afford 'only {$230.00} ' on top of my {$230.00} a month payment. When I asked to speak to her boss, I was told she was the boss. 
I asked the Floor Supervisor why Inever received these notifications that the terms of my Forbearance had changed and she claimed I received an e-mail from Navient on XXXX XXXX and XXXX XXXX. I searched my inbox for hours - There were no e-mails received from Navient on either one of these days indicating my terms had changed. 
I also am locked out of the messages portion of Navient.com until I pay my " Past Due Balance ''. 
So, to save my credit rating, I paid the " past due balance '' and will pay the remaining monthly payment for XXXX. To get this money, I will have to work even more hours at my second and third jobs. I still am not able to access my student loan documents, even after making the payment. 

These practices by Navient are fraudulent and illegal ( I 'm sure this is why they are being sued )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I was threatened, by a Bank of America representative, that they were not going to post my mortgage payment if I did not pay my mortgage in XXXX payment vs paying bi weekly. The representative told me the only way they would post my payments the way I have been paying is if I paid them {$8.00} per transaction to enroll in there biweekly payment program.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
This company ( CBE Group ) calls at least 3 times a day. Morning, Noon and Night. When ever I pick up the phone they are never there. They have been calling for the past month. At one time I did finally speak with someone but they asked for someone who I did not know and then they requested my social security number. I refused to give it to them, and they have not answered the phone since - in spite continuing to call 3 times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I have a large amount of unjustifiable debt accumulated from a University I went to several years ago. Essentially what has happened is the school let me attend classes there for 3 years while I racked up a lot of student loan debt, and then due to a university error ( which I have on their letterhead admitting fault ), they kicked me out of school against my will due to them not having accepted the last semester 's financial aid payment. 
Since, according to them, I owed an outstanding balance to that school, they refused to send transcripts to any other accredited college in the country, preventing me from getting any sort of degree to pay for that debt. This took over 5 years to resolve, and basically what this means is that they let me collect debt, and then deliberately prevented me from having any way to pay for that debt for the next 5 years. I now live across the country from that school, with no degree from there, and since I was never able to transfer credits to another school, everything I ever did there is completely useless, as I was prevented from any attempt to further education from an accredited college. 

I feel that, under the Borrower 's Defense law, I should not be held responsible for this large debt due to the fact that they deliberately prevented me from having any way to pay for that debt for 5 solid years ( unable to get a degree and therefore unable to acquire a job that allowed me to pay off that debt ). 
I have been trying to find someone to help me get rid of this debt for so many years but no one ever returns my calls. I have spoken to consumer advocates, lawyers, ombudsman group, etc, and no one says a word to me. 
I have made every loan payment in full on time every month and I owe more now than I did when I started out, and now my loan payments have become unmanageable because of this and this year I will start to have serious problems with this unjustifiable debt. I should not be held responsible for almost {$30000.00} worth of debt when I got kicked out of school against my will due to an error that they have admitted to. 
Please help me with this. I have all the documentation to support what I 've said.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
I am a XXXX Veteran on a fixed income and I am seeking relief and any available damages from Navient for predatory debt collection practices on a private student loan. I became XXXX while in the process of obtaining a degree from XXXX University XX/XX/XXXX. At the Time I had Federal loans through XXXX and a private loan through XXXX. I went through a Bankruptcy XX/XX/XXXX which was finalized XX/XX/XXXX. XXXX closed the account on XX/XX/XXXX. No payments were ever made. After receiving my XXXX rating from the Veterans Administration I went through the process with XXXX to have my student loans forgiven and eventually received notification that the U.S. Department of Education had accepted my application ( attached ). Some time later this Company called Navient started harassing me and pegging my credit report for missed payments. I provided them documentation from XXXX and told them that I never had a loan through them. They stated that the letter did n't apply to them and that I had to pay. After quite a bit of back and forth and after them sending it to various collection agencies I had an attorney send a letter ( attached ). The original XXXX loan was originated on XX/XX/XXXX and account closed on XX/XX/XXXX. The Bankruptcy was finalized XX/XX/XXXX. Some time after this Navient somehow took over the loan and said I have to pay no matter what. My attorneys recommended that the best course of action is to go through CFPB as this company has a history of doing this and you are familiar with their practices. 1 This debt was listed on my bankruptcy. 2 if this debt is not covered by that bankruptcy the statute of limitations of 6 years for collections and 7 years for credit reporting has long since expired. 3 the process and proof produced to XXXX and recognized by the U.S. Department of Education should be recognized. This company continues to damage my credit and report monthly, this has cause me continued harm over the years ( credit summary attached ). This company took a {$1500.00} loan and turned it into a fictitious {$44000.00} debt that they never even serviced in the first place and use predatory collection practices to attempt to take advantage of unsuspecting consumers.

Company response to consumer: Closed with explanation