vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
I was erroneous offered a HAMP Modification. The lender accepted my payments and then contacted me and advised me of their error. They told me XXXX other loans were also given these modifications in error and they were working to resolve the error and find alternative modifications. They then sent me another trial modification which I completed XX/XX/2015. At that time they contacted me and let me know there was a problem with my title that was preventing the final permanent modification. They then let me know that was resolved and I would be receiving final documents any day. They kept requesting additional payments, which I always sent. My final communication with the lender was on XXXX/XXXX/15 in which they told me permanent documents would be arriving by the end of the month. I received a letter dated XXXX/XXXX/15 which informed me that they were transferring my loan effective XXXX/XXXX/15. They have taken at least 6 payments from me promising that each payment was leading to a permanent modification which appears to be a lie. They should not be allowed to transfer my loan prior to correcting their many errors and providing my permanent modification as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HW Holding, Inc
State: NY

Complaint narrative:
Hunter Warfield was hired by XXXX a property management company and is trying to collect rent from I lease of an apartment I had to move out of because it flooded and there was mold left in the apartment after the repairs. I have several e-mails where the management is apologizing for the constant alarms in the middle of the night due to defective fire sprinkler systems. For two months I had to stay in hotels and on my return I found the apartment was not properly repaired. I made several attempts to have the mold removed but the repairs were not done. I was forced to move out leaving three months on the lease and they refuse to take it off my credit report now costing me more in interest rates for loans. I have photo 's of the flood as well.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
Dear XXXX, In the last 9 years, my husband and I have tried to get a home modification loan on XXXX separate occasions. The first time was in 2011 when I was unemployed. At that time we were going on XXXX late payments and the loan servicing company ( IndyMac ) sent an intent to foreclose letter. We took out a loan via a family member to avoid foreclosure because I researched that other IndyMac customers had experienced that IndyMac would foreclose immediately and would never try to assist but hold up the loan modification paperwork. They had already sent someone to take pictures of our home so we knew it was only a matter of time before they would continue to the next step in the foreclosure process. 
Currently, Ocwen is servicing the loan and again we applied for a loan modification but was denied. However, Ocwen recommended a short sale. We were informed that we were not delinquent although we communicated in an affidavit hardship letter what our fixed incomes would be when we retire and they continued to ask for more and more paperwork. We were trying to prevent a foreclosure or short sale so we were hoping they would refinance. 
To date, we have invested XXXX of dollars in our home so we would like to keep our home as now our payments would be going more toward the principle and eventually we would be able to sell our home to at least break even and not damage our credit score. I find it extremely difficult to believe that there are no other options for individuals who could not obtain FHA loans before the housing market plummeted and were literally forced into high interest jumbo loans via XXXX and XXXX conventional/equity loans respectively. We are unable to refinance homes that are significantly under water yet the loan servicing companies have collected XXXX just in interest alone but encourage foreclose or short sale as only options, yet we have decent payment histories. 
What are the options for individuals who are already living pay check to pay check because of these high interest jumbo loans on properties that are significantly underwater through no fault of their own? To continue to pay a loan for a home with a significantly diminished value or risk foreclosure or short sale and the home is resold to someone else for XXXX of your loan amount are all horrible options. We would appreciate your advisement and assistance to seek a fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Ocwen Loan Servicing : Need I say more? NOTHING has changed since the settlement. They are still using the same old tactics ; 1 ) Taking advantage of homeowners with servicing shortcuts and UNAUTHORIZED fees2 ) misconduct at every stage of mortgage servicing process3 ) Failure to timely and accurately apply payments made by borrowers and failing to maintain accurate account statements4 ) Charging borrowers unauthorized fees for default-related services5 ) Imposing force-placed insurance on consumers when Ocwen knew or should have known that they already had adequate home-insurance ( in order to get kickbacks from their affiliate " XXXX '', funnelling XXXX t XXXX6 ) Artificially inflating borrowers premiums by XXXX TIMES the cost of coverage7 ) Failure to release loan satisfaction papers if someone is lucky enough to refinance after THEY TRASH YOUR CREDIT SCORE8 ) Too many others to list hereXXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
OCWEN Reference Number : XXXX Here is sequence of events : 1. Payoff quote from OCWEN faxed to Prominent Escrow dd XX/XX/XXXX, valid to XX/XX/XXXX 2. Prominent Closing Statement for closing date XX/XX/XXXX, funds wired to OCWEN 3. Sub-Escrow Statement from XXXX XXXX, indicates interest paid through XX/XX/XXXX Note that OCWEN received funds on XX/XX/XXXX, so technically OCWEN owes me interest for 1 day. 

On XX/XX/XXXX, OCWEN called me, bypassing the Escrow company and demanded additional payment of {$580.00}. I advised them to speak to Escrow company and they refused. 
In short OCWEN gave a payoff quote, which was paid in full and now request more money. 
Dodd Franks requires mortgage servicers to supply correct payoff and not add any fictuous costs after closing. 
This is CRIMINAL FRAUD! 
To date OCWEN has not been able to explain how there is a difference between their payoff quote and the monies paid by Escrow company - most likely illegal fees! 
They have been harassing me for years on this and now I have negative report on my credit that prevented me from getting a mortgage to purchase a home for my wife and I. 

OCWEN have now assigned the " fictuous '' mortgage to XXXX XXXX XXXX and now they are harassing me. 
XXXX Reference Number : XXXX I wrote to both OCWEN and XXXX numerous times but to no avail. 
Attached is letter I sent them on XX/XX/XXXX, and still no satisfactory explanation - just statement of short payment!!!!! 
Attached also documents from Prominent Escrow and XXXX XXXX. 
How many times do I have to prove that is paid in full!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Paid the amount of XXXX via an ACH transaction with my bank and another XXXX via ACH transaction with my bank to OCWEN loan Servicing LLC ; they ( OCWEN ) have first told me they processed the amount and then said that it was returned due to insufficient funds. Per Faith ( loan consulant XXXX ) and XXXX ( Customer Service Supervisor XXXX ) the funds were returned on XXXX XXXX to my account with XXXX XXXX ... no such transaction per XXXX XXXX has taken place. 

XXXX federal agent XXXX produced a trace confirmation letter for each transaction which is attached. 

I would like to know where {$1000.00} dollars has gone and this is not the first time I have filed a complaint with CFPB regarding OCWEN and their loan practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 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: TX

Complaint narrative:
SUMMARY : 1. Bank of America refused to give me a receipt for cash money received. 
2. Bank of America charged me at the higher Cash Advance interest rate for services rendered

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 2016-11-17 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Credit Card company paid disputed charges without my consent.

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 2016-01-10 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I was in school at XXXX University at XXXX during the XX/XX/2015. Despite being in school, Navient has reported my account to the credit bureau as late. They have received proof from the University to show my half-time enrollment. My loan was supposed to be in forbearance

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have my mortgage loan with Bank of America. This is the second time I submit a complaint against the bank, when they send a letter to me threaten of losing my house. I am making payments faithfully every month, as evidenced in the attached document, however, their harrasing practices of sending certified letters to my house for " missing one payment '' are not absent in the past two years. 

Two years ago, I filed a complaint because Bank of America kept denying me the right to file for a Home Loan Modification. Afterwards, this loan modification was approved for the amount of approximately {$1700.00}. I pay every month {$1700.00} through my bank. I filed for bankruptcy in XXXX, 2015, but continued making my mortgage payments without missing one, and as stipulated in the borrower agreement. Today, I received a threatening letter of foreclosure because they have n't received the current payment, which I have the right to pay XX/XX/XXXX. 

If further documentation is needed, I will communicate with my lawyer who has all my financial paperwork, included the agreement of Bank of America for the beforementioned loan modification.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-19 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: FL

Complaint narrative:
I am a victim of ID Theft and I have been trying to improve my credit file. In my file I have collections with Navient, when I asked for all of my loans to be placed in consolidation. Now I have all collections until a company opens up the collections. I also have accounts from XX/XX/XXXX and XX/XX/XXXX negative items, how long does it take for them to be removed? I have had an several inquiries that I have questioned with Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: TENET HEALTHCARE CORPORATION
State: FL

Complaint narrative:
CENTRAL FINL CONTROL ACCOUNT NUMBERs : XXXX, XXXX, XXXX, XXXX, XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX PHONE : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you CENTRAL FINL CONTROL or any company associate with this account # XXXX, XXXX, XXXX, XXXX, XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CENTRAL FINL CONTROL or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Claim number XXXX XXXX XXXX XXXX XXXX This complaint has been sent to you many times and last time on XXXX/XXXX/2015 XXXX XXXX but is still ignored! 

You have from me many documents which are proof that people from XXXX XXXX are cheaters and you as bank are doing bad job in XXXX cases with : 1. XXXX ( XXXX. XXXX XXXX - XXXX ( XXXX XXXX. 
You promised me that you will resolve XXXX cases within 30 days, but you lie to me. Now is 2 and you did nothing. I try to resolve it but they play with me. 
Now attached are document which I sent you few times already, but are new proofs that they lie and cheating me. 

You sent me documents with note that you do not discriminate me, but I have other filing. I sent you complain in this case that one of your baker called to your " specialist '' and he refuse to help me. 
Your work in these cases is also far from your duty. You should read my letters carefully. In next complains you will have proofs of discrimination. 
I want you to immediately withdrawal {$2000.00} from XXXX cheaters and send me the money back on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I, XXXX XXXX, am writing to bring to the CFPB 's attention regarding Bank of America 's violation of the FCRA act. They reported wrong information to my credit report abou an account " 30 day past due '' due to the bank 's error. 

-Statements of Fact-I have XXXX credit cards with Bank of America ( " BofA '' ). I made a payment of {$250.00} to my XXXX Signature Visa card on XXXX 2015, and BofA applied the payment to the wrong account, which had a XXXX balance, and it resulted in a credit balance of {$250.00}. The bank then reported my account as " 30 day past due '' to all XXXX major credit reporting agencies. I spoke to an employee at their local branch, and the employee told me it 's a glitch. I only want them to update my account to accurately reflect that my account was never late. For the record, both of my credit cards have a XXXX balance as of XXXX/XXXX/2015. 

Customer respectfully asks the CFPB to take any actions it deems necessary to bring Bank of America ( " BofA '' ) into compliance with all applicable federal banking laws and regulations, including, but not limited to the Fair Credit Reporting Act ( FCRA ). If Bank of America does not take action to correct the inaccurate information, customer also plans to initiate legal action in Court, pursuant to the FCRA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-20 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
A " XXXX XXXX '' texted me about purchasing my bed from XXXX on XXXX XXXX, 2015. He sent me a cashier 's check for {$2200.00} on XXXX XXXX, 2015. The bed was {$900.00} but he sent me extra to pay the " movers '' {$1300.00}. On XXXX/XXXX/15, I discovered via on-line banking that the cashier check cleared and {$2200.00} was deposited into my account. Per his request, I paid the " movers '' through XXXX XXXX on XXXX XXXX, 2015. The same day he texted me again telling me he needed money. He asked me to send him {$670.00} out of what he had sent me for the bed. Red flags came up immediately and I told him no. He said he needed to pay medical bills and pay their private physician who he named " XXXX XXXX. '' He wanted me to send " XXXX '' the money through money gram. Now I had already sent the " movers '' {$1400.00} from the money " XXXX XXXX '' sent me. I told him I 'd rather just refund him the rest of his money and cancel the transaction. I felt like this was fraud and he was trying to get me to send money to people he knew. I sent him {$180.00} on XX/XX/XXXX and told him I 'd pay him the rest the next day when the bank was opened. He agreed that I would send him the rest of the money back through money gram. I did n't send him anymore funds. On XXXX/XXXX/15, I learned that the cashier check was " bad. '' Had the cashier 's check not cleared ( it initially showed it was processing, then showed it had cleared on XX/XX/XXXX ) on my on-line banking statement and the funds not been deposited into my account, I never would have sent " XXXX XXXX '' any funds. A BOA representative informed me that because of my good credit history, the cashier check was honored even before it was confirmed to be bad or good, which I ca n't believe. And stated that I should have taken the additional step of calling the bank or going to the bank in person to confirm the cashier 's check had cleared. At no time prior to this transaction was I informed of this by BOA. I, like many others, believed that when any type of check shows to have cleared and the funds have been deposited, the check is good. BOA knows many people are under this impression. Yet, it does not educate its clients about this particular deceptive practice and allows it to continue. I am appalled that this practice is allowed to occur. If a check is not confirmed to be " good '', why does BOA allow it show ( on on-line banking ) it has cleared instead of just letting it show it is still processing? There must be thousands of current and former BOA customers that have been victimized by this particular deceptive and misleading practice. It needs to stop.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: WA

Complaint narrative:
Jefferson Capital Systems LLC is trying to collect a debt that was originally owed to XXXX ( XXXX ). This account was settled with the original creditor, and is now reported as paid. Despite requesting documentation that I owe them this debt, Jefferson Capital LLC, can not or refuses to produce such documentation, and continues to illegally attempt to collect this debt via telephone calls, letters, and lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I 've had excellent credit and in a strong financial position for over 15 years, however for the past 5 years I 've been unable to refinance my home. On several occasions I was told by the bank my loan did n't qualify for refinance and I had to be behind in payments to apply for HARP or other assistance program. After losing my job 3 years ago, my income decreases greatly. I exhausting most of my savings and had no choice but stop making payments to begin the HARP process. In the mean time I browed money from my retirement to pay mortgage when or if they approve me. It has been over 90 days and I was informed by my representative that my file has n't been reviewed. After expressing my concern about the process and what this has done to my credit score, I asked that they remove the 90 day or place an explanation on my credit report. As a self employed individual, it is very important that I maintain the excellent credit I had before starting this process. My representative filed a complaint to his supervisor to addressing my request and concerns as well as ask that my case be expedited to a supervisor in the underwriting department for review. I 'm very concerned that I now have a 90day on my credit report because they have n't reviewed my case, and they can still deny me for the HARP program.

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