vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
To whom it may concern, I recently refinanced my mortgage loan through XXXX XXXX, an affiliate of OCWEN Loan Servicing. When the loan matured in XX/XX/XXXX, I made my payment accordingly and sent the payment by check via mail. A few weeks later, i received a check in the amount of {$580.00}, which is less than my monthly mortgage payment. This check was titled " Escrow over payment '' and since i had just refinanced my loan, and essentially the old loan was paid off, this did not seem out of the ordinary to receive a check for any additional money that may have been in the account. 

As time went on, I received my monthly mortgage bill for XX/XX/XXXX, and the bill stated I had a past due amount that was never paid. So as any concerned homeowner would do, I got on the phone to try and figure out where the issue was. 

After a very short phone conversation with XXXX, ID # XXXX, he assured me this was a minor problem that stemmed from the new bill and my payment " crossing in the mail '', I was current in payment and a new mortgage bill would be sent out and there was nothing I should worry about. 

In the mean time, I was being reported to the credit bureaus as being delinquent for payment. 

A few days after speaking with XXXX my wife convinced me to call back and I reached and individual, XXXX, who realized there was a big problem. After a 2 hour phone dispute, it was determined that OCWEN has records of receiving my mortgage payment on XX/XX/2015, BUT HAD NEVER CREATED MY NEWLY REFINANCED MORTGAGE LOAN ACCOUNT UNTIL XX/XX/2015. So when i sent my payment in for the month on XX/XX/XXXX, it was rejected ( and split into XXXX sums-for whatever reason- ) and sent back to me under the title " Escrow Over Payment ''. 

I was reported to the credit bureaus for being delinquent for 38 days, and this now shows on my report!! 

When i was on the phone resolving this issue, I was told I needed to make a double payment at that time, so I would not be delinquent for ANOTHER consecutive month! 
I had to make these payments on XX/XX/XXXX, right before XXXX! 

On top of making a DOUBLE mortgage payment 2 weeks before XXXX FOR SOMETHING I WAS NOT AT FAULT FOR, I also now have a poor credit report following me around! 

OCWEN LOAN SERVICING NEEDS TO BE REVIEWED! 

XXXX XXXX XXXX, Ohio

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I would like to raise a new issue : Bank of America abused their discretion by slashing my credit line by 80 %, while at the same time denying my request for a credit line increase AND a refund for the payment made. My credit score did not go down ; in fact to this day it has increased XXXX points from XXXX to XXXX, as of XXXX/XXXX/2015 ( Source : XXXX ). 
The payment made ( approximately $ XXXX ) was done in good faith, despite being a clerical error, that my credit line would remain intact with the Bank . Even though I meant to transfer merely the bare minimum, about ten percent of what I ended up making, nevertheless either way the payment was done bona fide ; and for the bank to slash my line of credit ; without underpaying or missing a payment ; and without due notice and an opportunity to be heard breaches both the Credit Card Agreement and the Credit Card Accountability, Responsibility and Disclosure Act. 
The articles I am providing below raise issues with Bank of America that are wide-ranging ; affecting consumers like me on a colossal scale : Moreover, I am providing additional information to prove the scope and extent of consumers ' grievances against Bank of America is becoming great and far-reaching. 
Source -- -XXXX : XXXX : XXXX : XXXX/I respectfully appeal the Bank 's decision and ask the CFPB and their Ombudsman 's Office to try to work with the Bank in recovering my funds. 

Additional information is provided upon request. 
Thank you for your help, consideration and moral support. 

Yours Truly, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2017-01-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC
State: NC

Complaint narrative:
Payoff interest over charge on my Home loan payoff

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XXXX XXXX, 2016 I deposited a check drawn on a law firm checking account in the amount of {$5000.00} to my bank of america checking account. I had not used the account in two months, but there had been no previous overdrafts of the account. Upon depositing the check, I received a receipt indicating that the funds would be available on Monday, XXXX XXXX, 2016 at XXXX. I waited until after XXXX/XXXX/16 XXXX p.m. to write a check to myself for deposit in my bank account at XXXX in the amount of {$500.00}. On XXXX XXXX, 2016, I received an email from Bank of America telling me that my account was overdrawn. I called customer service and was told that the hold was extended on my account but was not told when the money would become available or given a specific reason as to why the hold was extended. I advised Bank of America that I had written a check to myself for {$500.00} and I was told that they were determining whether or not to honor the check. I told them that the deposit check was from a law firm that I worked for, but they did not respond. On Thursday, XXXX XXXX, 2016, I obtained a copy of the cancelled deposit check for {$5000.00}, which indicated that the funds had been paid over to Bank of America on XXXX XXXX, 2016. I took the copy of the cancelled check, the receipt from Bank of America indicating that the funds would be available on XXXX/XXXX/16 after XXXX to the branch where the check was deposited. The bank refused to credit my account with the {$5000.00} and said that the hold would not be lifted until the end of business on XXXX XXXX, 2016, but would not give any explanation as to why and did not address how they could hold my funds when I showed them proof that the check had been paid. Bank of America agreed to remove the returned check charge for my {$500.00} returned check and a {$12.00} service fee today, but would not make the funds available immediately. This is clearly wrong and outrageous behavior on behalf of this bank. I also incurred additional bank charges on my XXXX account because the {$500.00} check was returned as unpaid by Bank of America. Bank of America has advised that they can not reimburse me for fees charged by 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 monetary relief
Consumer complaint received 2015-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
For the last few weeks, we have gotten numerous calls, from Navient. They ask for a person named XXXX XXXX. I tell them no one by that name lives here, and to please take my name off the list. They agree they will, then the next day they call again. This has happened at least 4 times that I remember. 

Today, an operator named XXXX told me that XXXX has given them our number as a contact. I said, " So you can contact him at another numer, why do you keep calling me? '' She refused to answer. 

She called from an office in XXXX, and from Navient 's website, I see they service student loans from that office. Her supervisor is XXXX XXXX, XXXX Collections Manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I was part of the XXXX and received payment last month. 
I was told that the foreclosure should and would not be on my credit report. I learned that it was and disputed it with all XXXX credit monitoring servicers. 
I told the companies that i was involved in the Independent foreclosure review and they still would not remove because of BANK OF AMERICA responded to them stating it was accurate. I was involved as a member of the the UNITED STATES XXXX. I have only a check stub stating the amount and reason why the check was issued. That is the only documentation the bank will give based on the settlement agreement with the federal government.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
My mother opened an account at Bank of America ( BoA ) several years ago for the sole purpose of being sure she had enough money for her eventual burial expenses. She opened the account as a 'Payable on Death ' ( POD ) account in her name, my name and my XXXX brothers name. She passed away on XXXX XXXX of this year. 
On XXXX XXXX I visited the BoA branch were the account was originally set up. I presented my identification, a recent BoA account statement, and a copy of my mother 's death certificate issued by the state of Illinois. Rather than distribute the funds to me, BoA provided me a form which stated they would contact me by XXXX XXXX! You can imagine the embarrassment we experienced when we had to request the funeral home to provide us extra time to pay the funeral expenses. 
This seems not only unfair to my brothers and myself, but it seems that BoA deceived my mother when she set up this account. She did this for our benefit. If she had known that POD does not actually mean payable on death to BoA, she never would have set up this account. 
BoA has had the advantage of being able to make money from this deposit account for the last 10 years. This has caused immeasurable harm to our family.

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 2017-01-26 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: IL

Complaint narrative:
The loan continues to be transferred from servicer to servicer changing rates and adding fees. I could no longer pay the ballooned loan and it was suggested that I defer he loan, I was not informed interest would continue to compound. The loan is now out of control I do not know how I will ever get out of debt. I was lied to, misrepresented to, taken advantage of, and failed all for naiveness profit multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24 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: AR

Complaint narrative:
Upon reviewing my Bank of America checking account I noticed that I was overdraw in the amount of {$280.00}. I called customer service to inquire as to why my account was overdrawn and they stated because I had XXXX items that were presented for payment and they paid them for me as a courtesy because they are recurring payments to my account. I have called about this in the past because it caused my account to be overdrawn that time also. The challenge I am facing with Bank of America is that I did not sign-up nor do I have an account linked to my checking account for overdraft protection. I have made request that no courtesy payments be made and if the funds are not available that the items be returned. I further explained that I declined setting up overdraft protection because it is not something that works for me. Upon further speaking with the customer service representative I was informed that even though I did not request that the items be paid but that Bank of America made the decision to pay the items, I was still responsible for any fees assessed to the account for payments. Additionally, as of today, XXXX/XXXX/15, Bank of America assessed my account a fee of {$35.00} because my account has been overdrawn an extensive amount of time, even though I did not request the items be paid, it was a judgement call by them. They are maliciously charging fees and initiating activity on my account that is not authorized by me. My thought this is another way for Bank of America to make money off of their customer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-10 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
This is an addendum to my previously submitted complaint case # XXXX. I have recently pulled all XXXX of my credit reports and found that ALLY has reported my payments 30 days late for the past 6 months, including the month of XXXX 2017, which is incorrect and literally impossible being that it is XXXX/XXXX/17. Once again, when logging on to my on-line account portal my account shows being paid. 
This has negatively affected my credit score to a point that it is irrepairable at this point.

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 2016-11-23 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had a had care visa card with bank of america. There was an expense for {$940.00} on XXXX/XXXX/XXXX for a dental charge. I mailed in a copy of the receipt to Bank of America. On XXXX/XXXX/XXXX, I received a letter from Bank of America claiming that they never received my letter which was due on XXXX/XXXX/XXXX and that they are now going to report the amount on a XXXX XXXX form. I indicated that I was not aware that they had not received it and would provide another copy and they indicated that since the deadline had passed there is nothing they can do.

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 2017-01-20 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: IL

Complaint narrative:
When we signed with XXXX XX/XX/XXXX going into XX/XX/XXXX I was XXXX and my mother was XXXX spoke minimal English, we were rushed through the whole process not aware of what we really got into. If I can not make a payment XXXX XXXX ( Navient ) will call my house 8 to 9 times a day, I have a XXXX father with XXXX XXXX and I have told them this before hundreds of times to stop, they call my cell phone 8 to 9 times a day, they call my mothers phone the same and have reached out to my family as well multiple times, I have spoken to them about my loan and how on almost 8 years I have been able to pay nothing. Forbearance was the only answer they gave me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 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: MD

Complaint narrative:
I read that the CFPB is suing XXXX and Navient. I believe that XXXX steered me toward forbearances instead of offering me lower payment plans. This occurred at least three times. I believe they tried to cover this up when the company split, and I was placed with Navient. If I look at my transaction history, all of my forbearances are listed as " adjustments '' and not forbearances. However, the cost of a forbearance was {$150.00} and lasted for 2-3 months. So, it is easy to see that each " adjustment '' was a forbearance. I believe the XXXX dollars of accrued capitalized interest on my principle could have been avoided.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
My loans are currently being services by Navient. Old loans from XXXX were transferred to navient, in addition to new loans being serviced by them as well. XXXX billed me, with a due date of XXXX/XXXX/16, and I paid them. Soon thereafter Navient sent me a bill. My payment to XXXX was not forwarded or processed. I contacted Navient on XXXX/XXXX/16 and was told it should transfer. Now on XXXX/XXXX/16 I still have no credit and the account reflects a payment due.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
We recently we received our discharge of bankruptcy in XXXX 2016. Shortly after receiving the discharge, we received notification from Bank of America that they will be increasing our mortgage payment from {$1700.00} to {$3200.00}. We contacted BOA to either refinance or obtain a loan modification. We were told since we just completed a bankruptcy they could not offer us an option to refinance our home for another 2 years, so we opted for the loan modification. After completing their process, they submitted to us their version of a loan modification. They sent us a congratulations letter stating we were approved for a monthly amount of {$3200.00}. We asked for them to re-evaluate their figures. We can understand they need to accommodate their investors by receiving both principle and interest. Since we know this is an investor situation because BOA does n't even hold the Deed of Trust on our property and neither does their subsidiaries. At some point they purchased our loan, because it was a predatory loan.

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 2015-12-31 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America. {$36000.00}. 
Request : Deleted permanently from my credit report. 
Status : Inaccurate account information. 
Status : Account current under XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX. ( XXXX ) XXXX, XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
on XXXX XXXX, I called the pay by phone line for my Bank of America AAA credit card to make a payment. I made a payment of the last statement balance of XXXX. 

this amount was debited from my checking account twice, on the same day, Monday XXXX XXXX, XXXX when XXXX XXXX notified me on XXXX XXXX, I called Bank of America and requested a refund. I was told it would take XXXX five business days. 

on XXXX XXXX, the money was still not in, so I took a loan to cover my mortgage and stop the {$35.00} fees charged daily. of course I followed up with a call to bank of America. 

I called again to bank of America on XXXX XXXX and XXXX. I called again on the XXXX, and they said it would take seven days, but should be in by the XXXX. 

I called on the XXXX, and they said it had just been approved, because someone from Bank Of America has submitted for a refund twice. because they made a mistake, it would take another 7 business days before I could get a refund. 

has anyone ever taken money out of your account? should n't they have returned it sooner? I ca n't pay bills, gas, food, until I get my {$2000.00} back!!!!! 
can someone please help me.

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 2016-09-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A.
State: TX

Complaint narrative:
In XXXX I refinanced my mortgage loan with Flagstar with a balance of XXXX around or about in XXXX XXXX to lower my interest rate. After that I got sick at work, I was able to make my payments but got behind about 3 months. But made consistent payments while my loan modification was in process. I was approved in XXXX. But later on in XXXX my payments got behind about 60 days, then I applied for a modification since it was about 30 months since the last one. 
It took from XX/XX/XXXX to XX/XX/XXXX to get my modification, my issue is all the late fees should have been removed from my account during this time but was not and also my balance was XXXX, XXXX when my mortgage was transferred to XXXX XXXX XXXX. When my account was transferred I was still in the process of a modification. In XXXX XXXX my loan was modified and the late fees from 5 months was removed. Flagstar did n't remove the late fees and other charges from the loan prior to transferring the loan. Also, when I contact them for total late fees, other fees, and paper to validate Flagstar refers me to the new lender which only provides credits for the 5 months they had the loan. My loan has had about XXXX paid to my mortgage as I have only been 6 payments behind the entire time. My balance today is incorrect with the new lender. 
The claim I am making is Flagstar has pocketed a great deal of my money for payments to my mortgage account. I need help getting the late payment fee, other fee and misc. fees removed from their records so XXXX can honor the law under the Modification act. Please inquire as to all the fees on my mortgage. Flagstar received payments from XXXX XXXX to XXXX XXXX. My payments were {$1100.00} a month around are about. Now I pay, {$890.00}, because XXXX was deferred by XXXX to after my loan is paid off. I was told this should have already been paid but Flagstar has to credit this to the account under the CFPB lawsuit where they were found breaking the law.

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