vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-22 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
I have a private student loan through Navient ( formerly XXXX ), and each month of this year, my loan payment amount has increased. My payment due on XXXX XXXX, 2016 was {$7.00}, my payment due on XXXX XXXX, 2016 was {$140.00}, my payment due XXXX XXXX, 2016 is {$140.00}, and looking ahead, XXXX payment due on XXXX XXXX, 2016 is {$140.00}. According to the loan detail page on my online Navient account ( at www.navient.com ), I have a fixed interest rate of 9.875 %, so that does not change and I 've been paying on time, so there are no late fees. When I called to question this, the lady I spoke with could not tell me why my payment amount was continuing to increase each month, would barely let me finish a sentence, constantly interrupting me and talking over me. She would also not give me any contact information for a supervisor or higher authority. I do not understand at all, why my monthly payment amount continues to increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Bank of America ( BofA ) has charged more than {$1000.00} in overdraft fees over the past two and half years, at {$35.00} each. This was on my business account, which usually has a large amount of transactions and I did n't realize it until today. 
After reading the law I discovered that I was supposed to have had the option to " opt-in '' and that a default opt-in was not allowed. 
I contacted XXXX XXXX at BofA and he stated that there had been no wrong doing on the part of BofA, I was able to get XXXX XXXX to request that I opt-out but I was told the process takes 5-7 days for approval and that I would now be charged a Return Item fee of, {$35.00} for each item rejected. 
What started my research are the transactions that occurred overnight between XX/XX/XXXX and XX/XX/2016. 
At XXXX on XX/XX/XXXX I checked my account on my mobile device and it said I had {$49.00} in the bank and I went to the grocery store and spent {$46.00}. When I woke up in the morning I noticed that I had been charged {$70.00} in overdraft fees. I was shocked, because I had a positive balance of {$160.00}. This was after a deposit that occurred overnight of {$250.00}. When I talked to BofA they told me that the available amount reflected on my mobile device did not include processing transactions, and in my account history it shows that my balance was really {$37.00} at the time of the purchase and a XXXX draft came through for {$9.00} that caused the XXXX overdraft fee. 
This seems very deceitful.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-19 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I called Bank of America to ask for help. I wanted to get a lower interest rate on my Bank of America Rewards card because I 'm in financial distress, my credit score is good and I 've never missed a payment. After I explained my situation to their representatives and to XXXX supervisor, they said they ca n't help me. There 's nothing they could do to help me. I find it so unbelievable because I 've heard there 's always help out there, but for me there 's none! I explained to them that I was " thinking '' on closing the account. To my surprised I checked my XXXX credit report today and is showing Bank of America Credit Card Account CLOSED BY CONSUMER. This makes me so sad because instead of helping me they closed the account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25 00:00:00
Product: Debt collection — Mortgage
Issue: False statements or representation — Impersonated an attorney or official
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
I have no contract with this 3rd party debt collector.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: NCC Business Services, Inc.
State: FL

Complaint narrative:
I live in the state of Florida, and have an agency contacting me on a debt in the state of NJ, not incurred by me. I have had a lock on my credit due to identity theft for about 3 years, provided these folks with proof of residence etc. and the last straw was when NCC Business Service, who 's tarnished my perfect credit with a balance of {$1500.00} contacted my place of employment, where I 'm a XXXX with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: KS

Complaint narrative:
My loan company ( Loan care ) claims that I have shortages in my escrow account that is causing my house payments to go from XXXX a month to XXXX a month. whenever I call and ask them they either transfer me to a different department or they say it is because I have had flood insurance. Loan care is my XXXX mortgage company that I have had and I have owned flood insurance from the time I got the initial loan. my taxes and insurance have stayed the same give XXXX dollars. I am unable to re-finance due to having a late payment and I asked if I could make partial payments but they told me I could not. Before this all happened they sent me notices that they did not have proof of insurance and if I did not send it in they would buy there own policy for me every 1.5-2 months and every time I would send it in. They would also try and send me a refinance offer once a month as well. I would like out of this company but due to my situation I cant go anywhere. I feel something is not right and have read exactly the same cases with other people.

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 2015-04-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
According to the FHA guidelines, when an FHA Loan is acquired prior to XX/XX/2013, the Mortgage Insurance ( MI ) should be able to be removed if you meet the criteria of 78 % loan to value ( LTV ). I have 90 % LTV but I 'm being told I can not remove the MI until I have had my loan for 5 years. XXXX XXXX does not make the policies for the FHA Mortgage Insurance and are not following the guidelines stated by FHA.

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: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BBVA FINANCIAL CORPORATION
State: IL

Complaint narrative:
I read about Simple online banking ( XXXX ) in the XXXX and was excited to set up an account. 

I opened an account and transferred {$2000.00} into it from my XXXX XXXX checking account on XXXX XXXX. After transferring funds into the account I received a message stating that my account had been frozen since they " could n't identify me. '' At this point, I was told that I had to supply a copy of my social security card in order to gain access to my account. During the month of XXXX, I moved into a new apartment, and I discovered my social security card was missing. 

I received one followup message from Simple, and then on XXXX XXXX I was told my account was closed. When I called into Simple customer service to ask where my funds were and to see if there was a workaround for not having my social security card, I was assured that I would n't need to produce my social security card and that the check would be mailed. On 4 or 5 occasions in XXXX, I called to check on the status of the check, each time being advised by Simple customer service that the " check was on the way. '' On XXXX XXXX, I called again to inquire about the status of my check and was told that the account had actually not been closed and that I still needed to provide my social security card to release the funds. I spoke with a manager who told me that, despite the fact it was Simple 's error in telling me my funds were on their way back to me, that I would still need to produce a social security card. She also advised that this is not the first time that this issue has come up with other Simple customers. 

On XXXX XXXX, I provided copies of my Social Security card and the other required documentation. I called on XXXX XXXX and today ( XXXX XXXX ) and have been told that my account is still under the " review process '' by another team at Simple. When asked if it could be escalated ( since my funds have now been frozen for 2 months ) I was told that it was n't possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Preferred Collection and Management, Inc.
State: FL

Complaint narrative:
Yes, the credit dept say the company ask them to keep the fraud on my report in have me company them i have contact them a number of times in this has n't not been remove from my credit file which makes this more outrageous is i have been on XXXX since i was born in XXXX and XXXX both pay all my health care bills on by somebody use my name in a fraud this bill was n't pay for but the collection agent trying force me to pay something that was n't done by me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BBVA FINANCIAL CORPORATION
State: OR

Complaint narrative:
On XX/XX/2016 I was the victim of a phone hack ( which i didnt realize until about a month later ). Funds from my XXXX account were transferred to my Simple Bank account and then transferred to someone in XXXX using my XXXX app. there were XXXX transactions - XXXX for XXXX and XXXX for XXXX. There was XXXX additional transfer for XXXX from my XXXX card that was researched once i filed the dispute and found to be fraud and was reversed. I have been asking Simple to refund the fraud charges and they have said because they fall into a natural occurance, because one other time i used the XXXX app to pay a friend, they are not showing that it is fraud. I do not know anyone in XXXX. I have no cause to send them XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: LoanCare, LLC
State: GA

Complaint narrative:
The mortgage company LoanCare has not reported correctly to the credit bureau. They reported that I missed a payment and every month after shows a missing payment. What actually happened was the my credit score went up {$70.00} and I Was n't notified to make the change in my bank account since payment is deducted automatically. I owe the XXXX to bring my account up to balance, but the principle and interest payment has never been late.

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 2017-03-02 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
I had a mortgage loan with Ocwen that is still showing on my Credit reports 3 years after the Is till statue of limatation has passed I would like it to be removed it was 1st reported XXXX XXXX and the XXXX drop off date was XXXX XXXX NOTHING IN THE BOTTOM WAS RELATED TO SO I CHECKED MAKING PAYMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
My mortgage company has given me the runaround concerning insurance loss drafts for four months now. I sent them a $ XXXX check from my insurance company for water damage repairs. I have two contractors. One to remove mold and one to replace duct work. The mold contractor finished their job two months ago. The duct work replacement begins mid XXXX. I have requested full payment for the mold contractor for two months now. The mortgage company suddenly had additional forms I had to submit that they did not send in the first packet of XXXX forms and threw up all kinds of roadblocks and delays imaginable until they finally agreed to pay the mold contractor. I received the checks today ; however, instead of providing full payment for the mold contractor, half of the mold contractor payment was provided and a third of the payment for the duct work contractor who does n't even start work until mid XXXX? All I wanted was full payment for my mold contractor that finished their job 2 months ago. The mortgage company is still holding $ XXXX for the duct work contractor. Who can help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-06 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: First Associates Loan Servicing LLC
State: OK

Complaint narrative:
XXXX took out a loan on my behalf to pay for a Temporary Credit they say I owed them immediately upon graduation and that I could not setup a payment plan on. My understanding is that this is common practice for them and I am not the only person who has had this happen to them. 
There is no way I should have even qualified for this loan, or any loan from them, as I had no income and no co-signer when I applied for XXXX and no means to repay the loan other than a promise of a high paying job once I graduated. 
The loan was through XXXX XXXX XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-01 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
We have a HAMP mortgage since XX/XX/XXXX. It was with XXXX and sold or taken over by Ocwen Servicing when XXXX went out of business. Ocwen is a debt collection agency ; however, we have never been late on our mortgage payments.Whenever we contact Ocwen they treat us like we are delinquent in our payments, regardless of our excellent payment history. 
We have tried a couple of times to get information from Ocwen about the terms of our HAMP loan. We want to know why we did n't get paid {$5000.00} after the first 5 years for an incentive offered by HUD for HAMP loans. There is also supposed to be another {$5000.00} incentive after the 6th year as well as the opportunity to reamortorize our loan. We ca n't get Ocwen to explain anything to us about these incentives or tell us why we did n't get the {$5000.00} when we completed year XXXX on XX/XX/XXXX. They tell us we need an appointment with a representative but they ca n't get us an appointment and do n't call us back. An escalation manager on our call today told us he can call us back in a week to get us an appointment with a representative. This is the same answer we received 3 months ago from them and no one ever called us back. If they service our loan why ca n't they tell us anything about it? Are they getting paid for servicing our loan? This is unacceptable and we 're stuck with this company that is a debt collector not a mortgage company and has awful customer service.

Company response to consumer: Closed
Consumer complaint received 2015-07-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
In XXXX of 2012 We had some financial issues and had to file for chapter XXXX bankruptcy. Immediately following our filing date, Ocwen did an escrow adjustment raising the amount of our monthly payment from {$480.00} to {$660.00}. They also at this time stopped sending us a monthly statement. When I talked to a representative they told me their system was down and were unable to send a statement at that time nor did they tell me of the rate increase. Being that we had just gotten all the necessary paperwork completed for the bankruptcy, we were under the assumption that all delinquent amounts were accounted for and set up in the payment plan to our trustee. After several months the bankruptcy attorney had informed me that Ocwen had still not responded to the claim from the trustees office and asked if I would contact them to see what was the matter. I contacted Ocwen a second time and was told they had not received a claim. I again asked about a monthly statement and was told again that their system was down and no one was getting a monthly statement. Soon after, the bankruptcy attorney contacted me again stating that Ocwen had filed the claim, however it was past the deadline and rejected by the trustee. I contacted Ocwen a third time and was told we needed to file for a modification and that the claim amount they filed was incorrect. They also informed me that we were now further behind in our payments. I told them we had been making our payments every month and they said they were not accepting the payments because they were only partial payments. This is when I became aware of the additional amount for escrow. I told them I was unaware of any increase because they had not been sending us a monthly statement. I inquired about the statements again and got the same response as the previous XXXX times. Time has gone by and we still have no resolve in the issue. The trustee has not made any payments to Ocwen, because they have no claim on file. Ocwen also failed to notify the trustee of my monthly payment increase. I have contacted Ocwen again and reapplied for a modification but was denied. I asked about monthly statements again and was told this time I needed to request them. So, because of Ocwen not following through the way they should have, and because of not getting any statements showing what was due, they are now showing us to be more than {$12000.00} behind our original amount past due which at time of filing was just over {$3800.00}. This has now placed approximately {$400.00} a month more towards our monthly expenses. {$170.00} towards our mortgage and an additional {$200.00} towards our trustee payment. We are trying very hard to make this right and to keep our home. However, we feel that Ocwen is doing everything they can to make this impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: NV

Complaint narrative:
I applied for a loan modification to save my home from foreclosure with my servicer Ocwen. The loan is in the name of my late husband 's estate. I am the executor of the estate and the court has already appointment me executor of his estate, the home is in my name and I live in the property. Ocwen states they will not review me for a loan modification without assuming the loan first. I have hired an attorney to help me with the application and they are in contact with Ocwen. However, Ocwen now states my attorney nor myself can talk directly with the assumption department. They said I have to send all inquiries in writing. My attorney faxed a written inquiry to Ocwen 's assumption department on XXXX/XXXX/2016. To date, no one from Ocwen has responded and they still will not allow me to speak with the assumption department. How am I supposed to get an assumption if I can not speak with that department to ask questions regarding the process??? I am hoping this complaint forces them to talk with my attorney. It makes NO sense Ocwen says I have to apply for an assumption, however they REFUSE to allow me or my attorney to speak with the department that handles the assumptions. I have some questions as to what I can do to qualify. My point of contact has ZERO information regarding the subject and every time I try and discuss it with him, he merely tells my attorney that we have to submit it in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
This is a response to an old case XXXX. 
* Ocwen has now commented fraud by signing Schedule A in modification plan * Ocwen did not answer the first response with how modification plan was delivered *Attached evidence shows Ocwen over charged a forced placed insurance over 32k in 1 1/2 years as Ocwen never showed how it was refunded besides their faked out paper work. 
*Ocwen did not show who they paid City school tax to in XXXX, XXXX, XXXX as attached shows true evidence that XXXX XXXX only chrages for school taxes. Ocwen charged me as much as the entire yearly taxes just for city school tax. 
*Trail is set for XX/XX/2017 as I have now file a counterclaim and have no attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Ocwen Loan Servicing of XXXX XXXX XXXX, XXXX XXXX TX XXXX -telephone ( XXXX ) XXXX. Fax ( XXXX ) XXXX. 
I have a mortgage from this organization. 
They have forced flood insurance on a property which does not require it. 
I have written on 4 occasions pointing out that the latest FEMA map shows the property outside the flood zone. 
OCWEN IGNORS ALL CORRESPONDENCE AND CONTINUES TO CHARGE FORTHIS UNNECCESSARY INSURANCE. 
This is surprising in a company which was the defendant in a class action law suit for forcing insurance and which settled.

Company response to consumer: Closed with explanation