vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
On the advice of an Ocwen rep, I made a XXXX payment on my mortgage.  They told me that there was no scheduled payment in their system though I swore I had made one.  A couple days later, I checked my bank account and found that there were XXXX ACH's pending, so I put a stop payment on XXXX of them.  The bank charged me $32 to do this.  I have sent the proof to Ocwen and they have gone back and forth with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
For many years I wrote government regulators and CFPB regarding my mortgage with Ocwen Loan. I provided proof that letters where back dated and documents were included in my loan packets that I did not agree to or did not sign. In an article I recently read it was indeed discovered my regulators that this was the case and consumers were defrauded. Including myself. I complained that a my XXXX mortgage was discharged in bankruptcy and creatively added to the back of my XXXX mortgage. In addition, Ocwen still wants me to pay. I feel Ocwen has no claim to my residence due to defrauding me, pain the have caused. The balance is incorrect and I want the documents and records updated to XXXX mortgage only. There is no XXXX. It was modified with the previous company Litton Loan and also Ocwen. I want compensation for the fraud, aggravation Ocwen put me through.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
Greetings, Our loan is serviced thru OCWEN. We requested an escrow analysis several months ago, in the XXXX 2015 timeframe. We have called several times since then and they indicated that since we are in a chapter XXXX plan, it may take longer to process. We noticed about XXXX weeks ago online that our house payment had increased by about {$340.00} per month. The escrow amount was about XXXX but the principle and interest had remained the same. When we called recently, they indicated that they are investigating and they recommended that we make the old payment for XXXX 2015, which we did today, XXXX/XXXX/15. We have been current on our mortgage since XXXX and now risk being delinquent, unless we make the increased payment for which we have no documentation as to why it increased. Our fear is that what little good credit we have established by paying them on time will now be impacted. This company seems to routinely " operate in the dark '' from our experience and we are glad that you are here to help us. Thank you.

Company response to consumer: Closed
Consumer complaint received 2016-03-02 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
While I have another complaint in on Ocwen Loan Servicing regarding my " Work Out '' Remod loan and I am dealing with that, I had this conversation with their Ombudsman Office this week and was quote alarmed. It seems that Owcen Loan Servicing 's Right hand does not know what the left hand is doing? They were showing that I had agreed to a Deed-in-Lien, which I never did? This has caused a real problem on the process of a remod loan. The below is a summary of that discussion and I am asking your agency to get involved in the matter. I am also coping my HUD representative and Congressman 's office. 

Thank You Conversation with Ocwen Office of the Ombudsman - XX/XX/XXXX Ocwen Loan Servicing XXXX XXXX Office of the Ombudsman Loan # XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXXXXXXXXXX XXXX ; As per our conversation today, I HAVE NEVER, agreed to a deed-in-lieu of foreclosure and have always been involved in a " Work Out Program '' for a loan remodifcatiion. The current paperwork my relationship manager has with your company indicates the same. You indicated the reason the trustee sale for our property dated XXXX/XXXX/XXXX was placed on hold was due to a problem with a clear title and you were going to go back immediately and get this resolved so the property will not be rescheduled again for a sales. I have always wanted to KEEP the home and have never wanted to turn the home over. If that was the case then why? have I been working with your relationship managers since XX/XX/XXXX to get a remod completed. I have also asked you to reach out and make sure my relationship managers superior calls me ASAP to find out why I am having to completely fill out a new workout package again for the fifth rime?. Someone did call me last week ( believe a supervisor ) but the only message they left was to call the customer service number. That does me no good! Please have someone call again and if I am unable to take the call, leave a number a can call them back! I did receive a partially completed packet from my relationship manager and he did ask for a signature and to return back to him, but only part of the packet was completed? I need to get clarification from his supervisor ASAP. Finally, I am very upset that this has not only taken almost four years, but now your company is trying to say I wanted to turn my home over to Ocwen when in fact, that is the opposite. We are also waiting on a response to our demand letters, which you have said a response would be back by XXXX/XXXX/XXXX to the Consumer Finance Gov, Congressman 's XXXX XXXX office and myself. 

In summary, their first response is very disappointing and one that is totally unacceptable. I hope to get our new response going ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
I filed Chapter XXXX bankruptcy and I have recently come out of it as of XXXX/XXXX/2016. While I was in the Chapter XXXX my mortgage company was GMAC. Since I have been out of my bankruptcy I have yet to receive any documentation from GMAC in regards to how to make my payment or who I should make it to. Right after I was out of my bankruptcy I went to refinance my mortgage. This is when I found out that my mortgage is no longer with GMAC, but it is with Ocwen. I have contacted Ocwen to find out when my next mortgage payment is due, but they are telling me that I am in an active Chapter XXXX ( which ended XXXX/XXXX/2016 ) and my payment is due XXXX/XXXX/2016. They are also telling me that they will not have any additional information until the Chapter XXXX payments have been processed and they ca n't tell me when this will occur. Furthermore they are telling me once it is resolved and they find out I am 30 days or more late, they are going to report to the credit bureau. This is not making sense to me since they are telling me that my payment is due XXXX XXXX, 2016 and they do not have any other date on file and if I go 30 days late this will hurt the mortgage process I am currently in.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
Prior to our involvement on this file, the borrowers sought a loan modification XX/XX/XXXX. The modification trial planned payments were unaffordable and the modification was denied. After nearly two years of mediation with no success, the borrowers came to us to facilitate a successful short sale. Since we have begun working on this file XX/XX/XXXX, Ocwen has scheduled XXXX foreclosure sale dates and cancelled each of them. The offer was sent in XXXX/XXXX/XXXX and Ocwen confirmed receipt. Following this confirmation, Ocwen then denied having the package on file XX/XX/XXXX insisting that we were wrong. We resent the package again on XXXX/XXXX/XXXX. We were told multiple times XX/XX/XXXX and XX/XX/XXXX that the file was still in loan modification and they were working on getting it denied. 

On XXXX/XXXX/XXXX, we were told that the documents were under review for short sale by XXXX XXXX. Three days later on, XXXX/XXXX/XXXX, we were told that the file was not in Short Sale Review and was instead still in Loan Modification review. The representative at Ocwen told us to have the co-borrower sign a Quit Claim Deed for the property and that they would continue the modification review without her information. The recorded Quit Claim Deed was sent into Ocwen on XXXX/XXXX/XXXX. 

The file was escalated on XXXX/XXXX/XXXX and was with the underwriting team with no new documents requested at that time. The third foreclosure sale date was put on hold and Ocwen was processing the file without the co-borrower 's financials the following day, XXXX/XXXX/XXXX. 

However, on XXXX/XXXX/XXXX, Ocwen demanded the financials again and let us know that the file was in review for Loan Modification - again. The Request for Mortgage Assistance was sent in several times, each time requesting short sale and acknowledging the vacant status of the home. 

While we respect the policy of the FHA reviewing for loan modification, we see no point in continuing the process for several more months when the seller has attested to its vacant status. The vacant status has also been verified via the BPO report. 

The submission of retention denial letters, a removal of a borrower from the title, and the vacancy status of the home should all warrant automatic denial of the loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Asset Recovery Solutions, LLC
State: FL

Complaint narrative:
This caller has called repeatedly called late at night, sometimes after I have fallen asleep and wakes me up. I know this debt is under XXXX if that much with the fees they keep adding. This is definitely not the original creditor and none that I recognize. I just want these late night calls to stop. I have also received calls early in the morning while still sleeping before XXXX. These calls are very annoying.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I have been charged a lot of attorney fees which I paid to ocwen along with late fees which never end have been denided a loan mod after my current mod rate when up tried to work with ocwen they say can not help me at all retired my income has changed trying to stay in my home of 20 years plus

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
A payment of {$1500.00} was sent to Ocwen on XXXX/XXXX/15 as an additional principal payment on my loan. another payment of {$1800.00} was sent on XXXX/XXXX/15 as the actuall mortgage payment. Ocwen added a fee of {$49.00} to my statement assuming that the {$1500.00} was the true mortgage payment of {$1500.00}. They adjusted it, yet continually re-add the {$49.00} fee to my statements so my principal balance is always {$49.00} higher than should be. 
In frustration I sent a letter to ocwen on XXXX disputing, and they continue to say account is corret.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Lots of money was stolen from my bank account at different ATMs I called Bank of America many times and they closed the case a few days ago and my account is negative XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Payments was due on XXXX of XXXX, but was paid on the XXXX. Late fee 's are applicable if paid after XXXX. Received a " Notice of Pre-foreclosure '' by certified mail on XXXX of XXXX stating I had 30 days from the XXXX to discuss Pre-forclosure with them or they would start foreclosure proceedings. If they are going to give me 30 days why do they wait until 6 days into it to tell me by certified mail?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09 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: TN

Complaint narrative:
We make monthly payments on both private and Federal loans for my student loans and Navient keeps mis-posting payments to the wrong accounts and making phone calls to us to " collect '' on the bills even though we are paying. They are also charging late fees and making us pay these fees on the account when we should n't have to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I paid my house off. Identity thieves forcefully stole it.

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 2016-04-18 00:00:00
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
Pioneer calls me every single day including weekends. Some days they call XXXX three times. They have called after XXXX. These are robo-calls with the message to " wait for a representative tative. ''

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 2015-10-05 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I purchased a watch from an online merchant, XXXX XXXX company and never received the watch. My bank of america Visa is now refusing to credit me back the amount. This is merchandise not received. I asked BofA to send me their policy and it states that I have 120 days from promised delivery date to dispute this. I purposely used my BofA Visa to purchase this item for my protection. I have called BofA several times, produced emails showing the delivery date and they are not refunding me the amount.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
Navient refuses to lower my monthly payment on my private loan ( such as lower/no interest rate/lower monthly rate ) so that I am able to pay them while meeting my other obligations. I have already informed them that my income of $ XXXX/month does not allow for nearly any discretionary income, but instead merely pays my bills. My student loan principal has already accrued 50 % interest on top of the original amount, but Navient wants more money ( Currently pay them $ XXXX/mo interest only for a year only and then $ XXXX/mo ) and will not negotiate a more reasonable income based repayment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I have no knowledge of said debt.

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 2016-03-03 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My mother had a line of credit mortgage with Bank of America mortgage on a manufactured home in a park in XXXX XXXX California. The loan was paid in full in XXXX when it was refinanced into another loan on a home in XXXX California. My mother has passed away since that time. 
Bank of America did not return the title to the manufactured home although they sent an unsigned letter stating the loan was paid in full. 
The home is involved in a lawsuit in XXXX XXXX and we must have the released title from Bank of America or at least a signed letter showing it is paid in full, however continued contact with BoA has so far been fruitless. The first two contacts by fax ( their choice not ours ) were ignored. The last contact by e-mail and responded to by fax has so far been, as near as we can tell, also ignored after the confirmation of receipt. 
It is impossible to contact anyone at Bank of America that deals with the release of titles for manufactured homes. We have been transferred hand hung up on so many times, I have totally lost count. The last time was with the Mortgage Customer Service ( I think ). The e-mail address of the supervisor is : XXXXXXXXXXXX. Was never able to get them to give us a phone number to contact. Person we dealt with there was XXXX. Reference # XXXX The most recent contact was on XXXX XXXX, XXXX but this has been going on for well over two months. We have given them all of the information requested plus more but it seems as if we are whistling in the dark. 
Any assistance you can give us in getting Bank of America to expedite this request would be greatly appreciated. 
XXXX XXXX daughter of XXXX XXXX. 
BoA loan # XXXX ( they ca n't find it )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I am the owner of the property at XXXX XXXX XXXX, XXXX, VA XXXX. I obtained judgments against the original " lender, '' XXXX/XXXX/XXXX, case # XXXX, for FDCPa and TCPA violations, and the " servicer, '' XXXX, Case No. XXXX, for the same violations. I also sent a UCC 9-210 via certified mail, to both parties, and they tacitly admitted that the mortgage balance was XXXX. The first Default Notice was mailed on or about XXXX XXXX, XXXX, so the 6 year statute of limitations for both the UCC and the state of Virginia is well past that point. I rescinded the " loan, '' on XXXX XXXX, XXXX, by sending notice via Certified Mail, Return Receipt Requested to the alleged lender, Bank of America, N.A., and to the alleged servicer, XXXX XXXX XXXX. The US Postal ID number was XXXX for the former, & XXXX for the latter. I recorded a " Notice of Interest in Real Property '' in XXXX XXXX, VA, along with an affidavit.Pursuant to the Truth in Lending Act ( " TILA '' ) 15 U.S.C. 1635 and 12 CFR. 226.23, the rescission was effective the moment it was mailed ( see XXXX vs XXXX, XXXX XXXX ). Please notice that that decision said very clearly that TILA does not make a distinction between a disputed rescission or an undisputed one-in either case, any lien holders who wish to dispute the rescission must do so with a lawsuit, WITHIN 20 DAYS, otherwise their rights are gone forever-and they are obliged to return the canceled note, reconvey the property, and return all payments and closing costs to the owner. Not only did Bank of America and XXXX not follow that requirement, they are trying to commit fraud in collusion with XXXX by the attempted foreclosure of the home ( see attached ), by foreclosing on a home where the note and mortgage, by operation of law, were voided back in March-and they did NOT exercise their right of contesting the rescission within 20 days. A couple of recent blogs by noted foreclosure attorney XXXX XXXX shed light on what B of A are trying to pull-indeed, in the first article, XXXX was fined massive damages because of their fraudulent behavior, and when I last checked, XXXX XXXX, XXXX was nowhere to be found in the county recorder 's office. In the XXXX blog, which discusses the XXXX decision from XXXX, he had rescinded years ago, but was foreclosed on anyway, and now the court threw out XXXX Bank 's motion to dismiss. Incidentally, none of the categories below really fits, but I checked " Problems when you are unable to pay, Loan modification, foreclosure. '' XXXX https XXXX I also add that all of the parties are violating XXXX XXXX & XXXX XXXX deceptive trade practices against an elderly person, as well as my civil rights ( law of XXXX, attached ) by trying to deprive me of personal property without due process ( which is true of any deed of trust state, btw ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Bank of America has continued to contact me on my mobile phone even after explicitly denying consent and after repeated requests for them not to contact me via cell phone. BOA has contacted nearly daily for the last three months while for large part of time my account was current. When I ask BOA about this they say that the calls must be in error, however, I continue to receive them and I 'm feeling harassed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief