vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
This will be my second complaint against Ocwen in three months. I have applied to have my mortgage modified three times in the past year. Each time it was denied because we had the ability to pay the current payment. The loan was going to mature on XXXX XXXX 2015, and I contacted Ocwen a week before the maturity date to ask when I could submit another request. I was informed that as long as it was done before the loan matured, it would be considered for a loan mod. I asked the " relationship manager '' three times that if the request was submitted before the loan matured that was enough time to do a modification, and she said " yes ''. I submitted a request before XX/XX/XXXX., and on or about XX/XX/XXXX,XX/XX/XXXX, I logged-on to Ocwens website, and a message for our account stated that we were granted a 'trial loan modification '. Today XXXX logged-on to my account, and a message stated that our loan mod had been denied. I contacted Ocwens relationship manager, and told it was denied because the loan had matured, and they couldnt do anything. I am very upset. I have not recieved any consistent information from that company, and now we are in danger of losing our home

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
My Servicer is attempting to foreclose on my home, however I have a Satisfaction of mortgage that have been recorded in the County Clerks Office. Now my servicer has ask the courts to recind the Satisfaction, the Judge signed off on the erroneous Satisfaction on XXXX/XXXX/2016. I 'm now waiting for the county checks office to enter it into the records and send me a letter stating that fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
The note holder of my home hired a law firm to foreclose on my home ... I disputed the debt within in the 30 days required by law but the Law firm never produced the Original Note that I signed as required by law ...

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
I made extra principal payments on my mortgage and my loan servicer did not apply them to principal and just pocketed the money. My loan was in the bi-weekly payment program since XXXX of XXXX. In reviewing the payment history I received from Ocwen Loan Servicing, it was determined that the XXXX XXXX, XXXX and the XXXX XXXX, XXXX payments were not applied totally to principal per the terms of the bi-weekly payment program. 
In researching my loans payment history, it was also determined that the XXXX XXXX, XXXX payment was not applied totally to principal per the terms of the bi-weekly payment program. 
In addition, when the loan was assumed by OCWEN, an additional {$1300.00} was added to the principal balance. This amount was equal to the bi-weekly payment amount, and OCWEN has never explained why they increased the loan balance by the amount of the bi-weekly payment. 

I calculate that Ocwen owes me {$3600.00} based on the calculation belowXXXX : payment of : XXXX applied to principal : XXXX applied to escrow : XXXX balance due : XXXX payment added toprincipal balance : XXXX : payment of : XXXX applied to principal : XXXX applied to escrow : XXXX balance due : XXXX : payment of : XXXX applied to principal : XXXX applied to escrow : XXXX balance due : XXXXPrincipal reduction after properly applying paymentsto principal balance XXXXOcwen indicated that the final loan balance at the time of payoff was {$340000.00}. This does not match a standard loan amortization schedule with all the additional principal payments properly applied which indicates a final loan balance of {$340000.00}. Which results in a difference of {$3600.00}, which confirms the above. All additional principal payments made can be documented through either loan or bank statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-06 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I found fraudulent charges on my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
We filed for bankruptcy in XX/XX/2013 but have continued to make our mortgage payment to Ocwen Loan Servicing each month, on time.  They sporadically send monthly statements with the payment coupon.  I have called them numerous times to let them know we expect to receive the monthly statement with payment coupon and they are still not doing this regularly.  They seem to miss every 3rd month.  It makes me feel that they WANT us to default on this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I applied for a modification, with NACA per NACA, Ocwen the mortgage holder is not honoring the chapter XXXX Bankruptcy charge off, and is refusing the modification, if Ocwen had problems with the Bankruptcy they were given the amount of time allowed, to do so. 
They ask for the RMA, they got it, any information they ask for they received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
I submitted a complaint to you already # XXXX. I am attaching the letter I received from Ocwen wherein they state that the mortgage payment was increased to {$840.00} on XXXX/XXXX/XXXX and payments of {$800.00} we received after that. I am attaching a copy of Ocwens Escrow analysis dated XXXX/XXXX/XXXX that says the monthly payment is to be {$800.00} as of XXXX/XXXX/XXXX ( NOT the {$840.00} Ocwen now claims ), along with copies of the statements received from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX ( after which they stopped sending statements ) which also show that the " Total Regular Payment '' for this time period is {$800.00}. which is the amount that was paid. Needless to say I am still disputing Ocwens claim that any monies are due, the attached " Cancelled Checks '' show we have paid the full amount due " Per the Statements '' we have received through XXXX/XXXX/XXXX, plus {$800.00} was paid for both XX/XX/XXXX & XX/XX/XXXX. I am willing to bet their current escrow balance is incorrect also. 

So what do we do now? I have repeatedly responded, in writing, to their " Notice of Pre-Forclosure '' letter whereby we request a " In Person '' meeting per page XXXX of their letters. The only response I have ever received is a new " Notice of Pre-Forclosure '' letter, all have been identical save for the date issued, all have been respoded to requesting a " In Person '' meeting. I have now received the same letter dated XXXX/XXXX/XXXX ( which I will respond to tomorrow, requesting a In Person meeting ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
My Mortgage has recently been taken over by Ocwen Loan Services Company and I have been getting letters of extortion from them requiring me to purchase additional insurance for my town home, of which I do not purchase from my past lender. I have not been able to get any evidence from Ocwen, in my original contract agreement that requires/enable such " new '' additional insurance other than the insurance that I 've always had with past 2 lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITYWORTH MORTGAGE LLC
State: NY

Complaint narrative:
Good day my I was in the process of getting a home loan from city-worth and XXXX XXXX is the loan processor I was given his information by a friend and my friend told me he was good but he 's not. My credit was n't that good and I had own money on my credit card he went and spread my information with my friend which is bad and I 'm sure there 's a privacy act against the banker or loan officer calling other ppl and given them my information it is bothering me and I have hired an attorney bout this. XXXX XXXX told them my credit score etc this is bad. The name of this bank is city worth mortgage in Va.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 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: PA

Complaint narrative:
First, they put me in forbearance when i could have been paying some money. I took this loan out XX/XX/XXXX start paying it back XX/XX/XXXX and am currently up to date on payments. They should have offered me to pay at least XXXX dollars a month but instead they pushed forbearance. And secondly, when I missed XXXX payment they harassed my co signer- my uncle, with multiple phone calls every day and threatening his credit - over one missed payment. it was very emotionally stressful and my family constantly fights over it and I am the XXXX in the family now because I had to drop out of college my third year due to helping my grandparents and so my loan had issues. I would XXXX every time the phone rang and still to this day tense up every time i hear the phone ring, they just kept calling and calling and calling ( back when I first dropped out I did n't know what to do with my loans I had no income ). I 'm sorry I 'm not great at describing my issue but all I can say is that they do not inform kids of how important and scary these loans are. Had I know the family XXXX I would go through, I would have NEVER went to college. Worst part about all this, the school told me because I do n't have parents they said oh yea you 'll get all your tuition covered you have no parents, so they said take out this loan now and when they cover your tuition ( fasfa ) they can just pay it back. I never thought I 'd end up with this loan. I was misled by the school. it does n't matter how poor you are, if you have parents DONT BE FOOLED! your tuition will not be covered.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I paid a tax {$1100.00} to XXXX XXXX XXXX XXXX XXXX on time. Bank of America made a mistake whereby the taxing authority returned the money to my account and Bank of America paid them the above amount plus {$220.00} in late fees. The mortgage payments are deducted from my cheeking account on the XXXX of the month automatically. Bank of America erroneously opened an escrow account and fund it out of my payments thereby making my loan payments partial payments and late for the last XXXX months. I have spoken to several persons in customer service and escrow department. I am promised the problem will be fixed it is not. I have a letter dated XXXX/XXXX/2015 my loan will be accelerated by XXXX XXXX. I was told to send a letter asking the bank to remove the late payment history from the XXXX credit bureau, I did. I was told I must also contact the bureau myself.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-16 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I filed a claim with Bank Of America regarding an individual stealing my cards and making transactions on my cards. XXXX card was approved while the other was investigated, upon speaking to the representative they went into my other account where it was proved that fraudulent charges were made and she overrode the decision on it when I did not authorize her to even investigate that account. She was very rude and condescending as well as extremely unhelpful. I kept asking for specific documents I would need to provide to show that these transactions were not mine and she was very vague. Now she 's going to re-bill my accounts and force me to make payments on transactions that I did not make nor authorize. It 's upsetting that all my other banks were very helpful while Bank Of America has been horrible. I got upset and hung up the phone on her because it was very obvious that she was not interested in helping me and kept making attempts to get me off of the phone. Terrible service and employee from Bank Of America.

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 2017-01-19 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: OH

Complaint narrative:
Once my forbearance ended, I applied for another one. Navient denied my forbearance request. I spoke with Navient on the phone and was told my payment would be around {$120.00} per month. I explained I could not pay that and I was told that was as low as they could get it due to my income. I explained that although my income is fine, I have other bills and there simply is n't {$120.00} left over to pay this. They refused to work with me so I told them I would pay them what I can each month. For several months, I paid {$50.00} as that was all I could afford. Once my husband received a raise and I also received a raise, I began paying {$150.00} a month, the {$120.00} plus a little extra to help make up for the other months I paid {$50.00}. Navient is still calling me daily, emailing me with forbearance forms to fill out even though they have repeatedly denied them and sending me delinquency notices. To make matters worse, they are reporting me every month to the credit bureaus as being XXXX days late. Navient last reported me XX/XX/2016, since XX/XX/2016 my credit score has dropped XXXX points and the only negative I have on my credit report is Navient. My husband and I work very hard, we pay bills and buy groceries and thats it, yet we still live paycheck to paycheck and now I have a dwindling credit score to add to it. At this rate, I will have no credit score by the time Navient is done. This is absolutely ridiculous. I have tried to get Navient to work with me but they simply do not care. I 'm going to have to call them AGAIN just to be told by some rude customer service rep that there is nothing they can do. I understand I owe them over {$700.00} from the months I only paid them {$50.00}, but I am paying more than my given payment amount in order to pay that down and I do not feel that my credit score should suffer every month just because of this. Navient does not care about anything but getting their money. I am doing the best I can.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I 'm very frustrated with Bank Of America my husband checks are deposited by weekly and he has the same amount and they do n't want to process my husbands checks because they said to me the check images were bad but that was completely not true and then they said their is a problem with my husbands boss ' bank which is also untrue and come to find out after a 4-5 days the checks go through and the money gets deposited. I recently started working and they are also doing the same thing to me they do n't want to deposit my money until 4-5 days later during this time my bills wo n't get paid on time, I ca n't buy food because we do n't use credit cards we use our bank card or cash, my family needs to eat and buy necessary items that I ca n't buy and my babysitter is n't getting paid or my house is n't getting paid. I 'm a loyal customer to BOA and I have to pay overdraft fees every other week because BOA wo n't credit my checks to my account my over draft fees are now XXXX and counting last time I paid XXXX which happened daily. I do n't want to leave BOA but will do so if my overdraft fees are n't refunded and my checks are cleared by weekly I ca n't afford to give away my hard earned money to BOA this is n't fair to me or my family or to my bills or things I need to buy and my family is n't happy with me and wants these issues with my checks and overdraft fees resolved as I do. I never been so upset and I want to deposit my checks and BOA wo n't let me all of my coworkers are n't having this problem and my husband who is working for the same employer for more than 2 years never had a problem until XX/XX/2015- and currently. Hopefully you can resolve my issues and BOA starts checking my checks properly and never overdrafts me ever again because of you help. I do n't know what to do anymore and tirelessly called but no care in the world from BOA and feel helpless that 's why I 'm turning to you for help because I do n't know what more I can do if I know this is injustice but BOA does n't properly check their customers checks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I received an email from Navient Loan Servicing on XXXX/XXXX/16 about placing my delinquent loan into a 2 month forbearance plan and they only thing I needed to due to accept the offer was to reply " yes ''. I replied yes on XXXX/XXXX/16 and assumed my loan was in deferment. I received another email to say my loan was in default and past due for XXXX payments. Once I contacted Navient I was first told that they did not see where the email was sent out to me but then was told they see where something was sent out and I replied on XXXX/XXXX/16 but there system did n't recognize my responds and they deferment was not placed on my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I had nearly {$800000.00} in an investment account at Merrill/Lynch, and a home worth another {$800000.00}. After my financial advisor, XXXX XXXX at the XXXX S.C. office took over my accounts, I would up with a little over {$40000.00}, total. I was talked into taking out a mortgage and a line of credit I did n't want, and encouraged not to pay them off. When the market crash happened, I was left with the debts, and no capital to pay them off with.

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 2017-02-08 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: DE

Complaint narrative:
I originally took a student loan out through XXXX XXXX, which was transferred to Navient a few years ago. With the help of my mother, we entered into a payment agreement. We provided a substantial sum up front, and set up automatic monthly payments. Two years after the payments were withdrawn regularly, they stopped. I received no correspondence from Navient, and discovered the money was not being taken out when we noticed the money was not automatically being withdrawn. I contacted my account manager with Navient, who explained that payments can only be scheduled for two years at a time because of their system. I had to give him the same bank account information again to get it back on track. Three months had been missed, so we arranged for that amount to be withdrawn immediately, which it was, and re-set the automatic monthly payment schedule. Today I received an email that my account had been transferred and I needed to arrange a payment schedule with a new manager. It turns out that while I was told the monthly payments had been scheduled, they had not. My account was transferred " to another agency, '' which was never explained, and the account manager I had been dealing with said he 'd try to work with his supervisor to amend the situation. This loan has been a serious financial hardship, with astronomical interest rates, so much so that nearly 10 years after paying it, the loan is still close to the original balance. Navient has mishandled this account, treated me unfairly and made it extremely difficult for me to pay back my education loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
At this point in my life I am realizing that I will never in this lifetime be able to pay off my student loans. There is no exit strategy or repayment option that will ever work. Furthermore after years media coverage on the issue, I am realizing that I have been steered in the wrong direction several times by the loan company. They have almost forced me into categories several times being forbearance or payment plans. My best interests were never a concern, it was always about them. I know I am just one of many situations like this. They have never been clear about their policies nor have they communicated any real options in the past. Had I known of certain options previously, my loan situation may very well be different today. It is a trap set up for young people trying to make a future ... too bad its a future of paying off debt to the mob that is loan companies.

Company response to consumer: Closed with explanation