vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
Since Ocwen Loan Servicing is not able to account for XXXX months of payments since XX/XX/1999 and the XXXX Office have reviewed the complaint filed against Mr. XXXX and found that he violated the Notary Laws of XXXX tand The XXXX as Trustee received the notification, This has caused detrimental harm to our home. We are requesting a discounted /short payoff and release of all claims as a result. Currently I have a fixed rate with a HUGE ballon payment that 's due at the end of the loan

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: KS

Complaint narrative:
This is for the property in the Estate of XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX KS XXXX. This estate is in probate and this has been approved by the court for me to purchase the property. I have Secured Title of XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX Kansas XXXX Phone XXXX ) to manage this process. We had a mortgage pay off letter from XX/XX/XXXX, but the Title company obtained with my permission a new on XXXX XXXX XXXX. I have attached both of these items. We sent payment in full for the amount on the XXXX XXXX letter from Ocwen. Then On XXXX XXXX, XXXX, Ocwen contacted the title company stating they had not received the full payment but refused to send the documentation to the title company. The title company told Ocwen to contact me. I received 2 phone calls with nearly unintelligible messages and not form a number showing up in caller ID as Ocwen ( XXXX ). When I was able to determine that the word 'Ocwen XXXX was uttered in the second message I called the title company. The title company explained what they knew. I then called Ocwen and inquired. Ocwen stated that Ocwen had an accounting error and that the following things had been incorrect on the payoff letter 1 ) the interest was to high 2 ) there was a missing title search fee 3 ) that there was a missing foreclosure fee. I explained that we had paid the full amount of the XXXX XXXX pay off letter, which they have not applied to the mortgage. I also explained that I had never requested a title search and I would not pay for it. ( side note : if they provide a clear title search it is 100 % fake the title company can explain ) I also explained that it was not in foreclosure and could not go into foreclosure since it was an estate in probate. I was clear that I would be perusing legal means to clear this fraud on their part up. When they sent my new payoff letter over it also included a late fee for their mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Centron Services
State: TN

Complaint narrative:
Debt is paid and is still being reported as derogatory to my credit report. I would like the account removed CRDT SYSTMS or something like that name CREDIT SYSTEMS.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: First Associates Loan Servicing LLC
State: OH

Complaint narrative:
My school was shut down ( XXXX ) and credits are not transferable. I do not feel that I should have to pay loans for schooling that I can not use. I did not finish the program and would have to start all over losing all of my credits. I contacted the loan comany and was told that they could not help me with discharging my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
The buyers did an appraisal with XXXX XXXX. XXXX on XXXX/XXXX/2015 and the Opinion of value was at {$96000.00}. The Investor ( XXXX ) did an appraisal and stated that the home is worth {$110000.00}. How can the appraisal be a difference of {$17000.00}. Below is the note that I received from Fannie Mae : '' The current offer does not meet the requirements being demanded by the investor. The investor is demanding XXXX with a net requirement of {$99000.00} ( see attached hud line XXXX ). The buyer appraisal is only XXXX which the buyer is willing to pay and as reflected on the hud would require a cash contribution in amount of {$16000.00} from you, see line XXXX of the hud ''.

Company response to consumer: Closed
Consumer complaint received 2015-07-15 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
I have had XXXX experiences with OCWEN Loan Servicing that appear to be related regarding property insurance. My mortgage was structured to have property insurance paid from my escrow account. My insurance company sent a request for renewal to OCWEN to be paid form my escrow account at the time of renewal XX/XX/XXXX. OCWEN failed to pay the coverage and notified me that my property was no longer insured and that I would have to buy property insurance from them. This took several days to clear up. 

I recently sold my property XX/XX/XXXX. I canceled my insurance the day after the closing. Again, OCWEN sent me a letter stating I would have to buy property insurance form them to cover the property, despite having already sold the property and paying off the account. They sent me a certified letter dated 2 months after my property was sold. This is just ridiculous record keeping and the fact that this happened XXXX with their insurance department makes me question the sincerity of a simple miscommunication.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: First Associates Loan Servicing LLC
State: VA

Complaint narrative:
I took out a private student loan with Peaks Loan to supplement my federal student loans to pay for classes at XXXX XXXX XXXX. XXXX charged exorbitant amounts for a sub-standard education and misled me with inflated job placement and salary information. The degree received from XXXX in 2013 is now rendered completely worthless because XXXX lost its accreditation and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
We had trouble paying our mortgage after our trial modification because of problems with getting paid through the commonwealth of Massachusetts. The my father got very sick and has since passed away do I could n't not work. So we applied for the making homes affordable tier XXXX. Of course ocwen is dragging their feet and have put us into foreclosure. They keep requesting new paperwork. We received a bill stating that if we paid the {$15000.00} in back payments we could be reinstated. We can do this when we get my fathers life insurance but that takes a month. Now we have real estate agents calling us constantly and putting our house up on a website for foreclosure ls. All of this is happening while trying to morn my fathers recent passing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Emmett L. Goodman, Jr., LLC
State: GA

Complaint narrative:
I obtained a non-secured loan from XXXX in XXXX after being forced shaped out of the XXXX XXXX. I was unemployed for 9 months and had to relocate from FL to GA but was paying $ XXXX/month on the debt. The loan was sent to XXXX XXXX and XXXX where I continued to pay $ XXXX/month due to extended unemployment. In XXXX XXXX, while checking my credit report, I noticed that the debt was now a judgement. I had never been notified of potential legal action. I NEVER received any type of notification from XXXX XXXX ( or the law office ) informing me of the judgment. I NEVER received any type of documents from the XXXX XXXX XXXX allowing me the opportunity to respond to the claim. I DO NOT deny the debt. The debt is my debt ; however, I dispute the fact that it was placed as a judgment especially since I was paying as agreed. I am a Veteran of the XXXX XXXX XXXX and have endured many obstacles in the last few years and was just starting to recover until the judgement was placed on my credit report. Again, I am responsible for the debt ; however, I do not agree with the debt being placed as a judgement and I believe that I did not receive my consumer rights to respond prior to the debt being placed in judgement.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CT

Complaint narrative:
Approved for a loan modification with ocwen. All trial payments made on time. Ocwen failed to send out final paperwork to be signed within a reasonable time frame. Signed and sent back only to be told done incorrectly. Waited another unreasonable amount of time for second try at paperwork. Sent back and not accepted. Waiting for the third set of paperwork to be reviewed. At no time did ocwen offer to explain why paperwork was wrong. Incorrect or missing information on their website. Credit reporting during trial period was current. After trial period no information given for current payment to be made. Ability to pay online and on phone retracted. Payment statement slips no longer arrive at my home. No longer reporting current but 180 days plus late and " congratulations you have been approved for a modification '' removed from their website. While in modification process constantly receiving calls about collecting a debt and how we are in default and what are plans were. It 's like they are XXXX different companies. Very concerned that I will lose my home. They have not been straight forward with me. They have lied to me and deceived me. I have given up trying to talk to these people. My lawyer will handle from here on out ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I have XXXX balance transfers with the same credit card that were taken out at XXXX different times. XXXX is a large amount that was taken out first and is now no longer at 0 % -it is 16.99 %. 
The second XXXX is a much smaller amount and is still at 0 %. 
I noticed this month that the principal of my 16.99 % balance had only gone down about {$10.00}, where as my 0 % had gone down {$200.00}. This company is not applying the payment to the highest rate portion of my bill. I do not use this card for purchases and I am not able pay more than the minimum due. This applies to the minimum due and how they are dispersing it. When I called them they said they are allowed to do this and only are obligated to apply any amount above the minimum due to the highest APR.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-17 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Citibank has been promoting an interest free credit extension with a 3 % initial fee that is linked to your credit card. The outstanding balance displays on your credit card statement. This is similar to Home Depot 's credit card offer, but at Home Depot it is truly interest free and at Citibank it is not. At Citibank, if you continue to use your credit card for monthly purchases that are paid off within the billing cycle you get charged interest within the billing cycle for new purchases. If I had not participated in the interest free credit extension, I would not pay interest charges on new monthly purchases paid off within the billing cycle. I made the full payment of new credit card purchases, and was still charged interest. At Home Depot you can use your credit card ( without interest ) as long as you make the minimum monthly payment. Citibank is conducting false advertising by claiming this offer is interest free. It is not interest free.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-08 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Called after sent written cease of comm
Company: Financial Asset Management Systems Inc
State: CA

Complaint narrative:
XXXX hired Financial Asset Management Systems ( " FAMS '' ) to collect on a private student loan. FAMS flagrantly lied under CFPB complaint number XXXX. In their response they stated that they received a verbal cease and desist in XXXX 2015, and that they called me once on XXXX XXXX, 2015. FAMS conveniently did n't mention CFPB complaint number XXXX, in their response, which was submitted by me on XXXX XXXX, 2015, and FAMS responded to the complaint on XXXX XXXX, 2015. Under CFPB complaint number XXXX, I stated in writing that I wanted absolutely no communication from FAMS. However, FAMS called me on XXXX XXXX, 2015, even after receiving a written cease and desist from me on XXXX XXXX, 2015 under complaint number XXXX. I have their phone call as a records log on my phone. In addition, under CFPB complaint number XXXX, FAMS alleges that they called me on XXXX XXXX, 2015, because of settlement negotiations. However, when I called FAMS on XXXX XXXX, 2015, I specifically told them that I wanted absolutely no phone calls from them regarding the settlement negotiations. I recorded the phone conversation during the phone call. I have the phone call recorded in my phone logs. Under the FDCPA, a debt collector is not allowed to contact a person after receiving a written cease and desist letter, which was sent under CFPB complaint number XXXX. The exception is a debt collector stating that they are ending communications which was done in FAMS ' response on XXXX XXXX, 2015, under complaint number XXXX. As a result FAMS flagrantly violated the FDCPA by calling me on XXXX XXXX, 2015, which caused me severe emotional distress and health issues. There is no exception in the FDCPA to call someone regarding settlement negotiations after receiving a written cease and desist letter. FAMS has flagrantly lied in their responses regarding their violations of the FDCPA and their refusal to adhere to written cease and desist letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
My X husband is in bankruptcy due to the failure of his business. 
I am not in bankruptcy. 
We have a house together that was included in the bankruptcy since it was used as collateral in a business loan. 
The bankruptcy court receives money from him and pays the house note. 
They do not pay on time. 
This is reflected in my credit score and information but not his since he is protected by the bankruptcy. 
What recourse do I have since I can not motivate the court to pay on time even though the payments are made on time?

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 2016-02-04 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My Bank transferred funds from XXXX account to another without my authorization. 
My Bank transferred funds from my saving to my checking. Can a Bank do that, especially when they offered " overdrawn protection '' and I declined!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I took a loan with CitiMortgage. The loan included PMI. I made a large principle reduction to get the loan down to 26 % loan to value even though the loan was only 9 months old. Citi requires that I pay {$380.00} for an appraisal so I can save the {$59.00} per month PMI.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On multiple occasions, we have asked Citibank NA to close various personal and business accounts. Citibank has assessed fees and penalties on these inactive account which we have repeatedly asked to be closed. Citibank has at times said that they are going to report our failure to pay their fees and penalties to credit reporting agencies. The account ending in XXXX is now showing " XXXX OverdraftFee {$34.00} overdrawn '' and " XXXX FeeServiceCharge {$25.00} overdrawn '' On XXXX XXXX, 2016, we sent this letter in response to XXXX XXXX 's instructions on how to have the account formally closed. 

" Citibank NA XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, Branch Manager Dear Citibank : We have called your number, the general number and posted messages through the website to reverse charges, close all checking, savings and money market accounts for ( i ) XXXX, XXXX and XXXX XXXX XXXX XXXX , XXXX ( " XXXX '' ), ( XXXX ) XXXX XXXX XXXX XXXX, and ( XXXX ) XXXX XXXX XXXX & XXXX XXXX XXXX, and send checks to us. 
We just learned that the account for XXXX has a " hold '' on it and no one at Citibank can close the account except you. 
We no longer live or have offices near the branch. Please reverse charges, close all checking, savings and money market accounts for ( i ) XXXX, ( XXXX ) XXXX XXXX XXXX XXXX, and ( XXXX ) XXXX XXXX XXXX & XXXX XXXX XXXX, and send checks to us as soon as possible. 
If we do not receive confirmation from you today or tomorrow that the accounts have been closed and checks are on their way to us, we will contact appropriate Federal and State authorities. 
All check can be mailed to this address ( which address has been provided to Citibank online and in prior email ) : XXXX XXXX XXXX XXXX XXXX, IL XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, President, XXXX, XXXX and XXXX XXXX XXXX XXXX , XXXX ( a XXXX ( c ) ( XXXX ) non-profit ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LLPHR Account # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX and related Savings # XXXX and Money Market # XXXX " Is there anything you can do to have these accounts closed and to end Citibank , NA 's persistent demands on us for matters that should not be occurring? 

XXXX XXXX XXXX XXXX XXXXXXXXXXXX and 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 non-monetary relief
Consumer complaint received 2015-10-10 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have ( XXXX ) citi cards, XXXX visa and XXXX mastercard. This pertains to my citi visa card. Earlier in the year, I did a balance transfer in order to pay the balance without APR. Since then, I charged additional dollars on my citi vsa card during a certain 2 months. I always pay my cards on time and alot more than the minimum balance due. Since XXXX I have {$4700.00} toward this card. They have lowered my limit twice this due to " credit report review. '' They have not disclosed specifically about what caused the limit to decrease. Once I called and they told me due to another delinquent payment on another card. This is untrue because I have not had any delinquent payments to another card. I pay all cards on a regular scheduled basis. They said they sent me a notice but the email notice only includes the notification of the decrease limit. These actions are contributing to a lower score because it seems as if I am more maxed out than I would be if the limit stayed the same as it was in the beginning of the year. I asked the representative today where does it show that they are allowed to lower my limit. She said in my terms and conditions. I could not find the statement that shows this information. Then she mentioned it does disclose my APR could change. However, a change in APR is completely different than changing my credit limit. I wanted to to understand why they were doing this. Asked for a supervisor. Their response, " There is nothing we can do for you but have you reapply for a limit increase.It is too late to do anything from the credit decrease in XXXX. '' XXXX, I think I remember doing this already earlier in the year and still were not able to give me any more information. I am on a vigorous financial plan to payoff the credit cards, $ XXXX per month and have been for 7 months. I do n't charge more to the cards with the exception of one because there is no APR on it and they are business expenses. I do not live off the cards and have enough income and managing everything appropriately. They have failed to provide sufficient information as to why they are taking this action which adversely affects my credit score while I am trying to retain my credit score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26 00:00:00
Product: Credit card — 
Issue: Arbitration — 
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
My credit card company will not acknowledge payments I have made and will not refund my payment. I have sent proof of payment several times but they keep imposing late charges on debt I have paid and do not owe.

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 monetary relief
Consumer complaint received 2015-12-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
I have a loan with an interest rate 10 % I had a shoulder injury and was out of work for two months. So. I called citi started a loan mod it was excepted with a new payment of XXXX with a 3 month trail payment. Then 1 1/2 year later the called me and asked for another loan mod. I did n't understand why but still making my payment of XXXX. Then 6 months a go they sent me a letter that lowered my payment to XXXX due to over payment in escrow. Now the say that I 'm XXXX pass due that 's not the case. I 'm now trying to get them to tell me how 's been cashing my checks. That in line with Fraud.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation