vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Problem : OCWEN has not recorded my loan modification agreement which I signed on XXXX/XXXX/2015. 

XXXX Description of what happened XXXX I have been working on loan modification with OCWEN since the beginning of this year. Finally I was able to get loan modification agreement in XX/XX/XXXX, and signed & notarized on XXXX/XXXX/2015. It was received & signed by OCWEN 's Authorized Officer on XXXX/XXXX/2015. 

It 's been more than 3 months and OCWEN Legal Department tells me that it takes 3-4 months to record the document in California, so I have not received a copy of signed & recorded loan modification agreement. 

I live in California, and I do n't think it takes 3-4 months to record real estate loan agreement in California. 

In the meantime, I have already been making the following loan payments as per the new loan modification agreement : Trial payment on XXXX/XXXX/2015, Monthly payments on XXXX/XXXX/2015 & XXXX/XXXX/2015. 

Please help to expedite this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
I am now opening a formal complaint and reporting this file to Making Home Affordable.gov as well as the consumer finance protection bureau and the federal Trade commission. 

I would like to start by saying that we had submitted this transaction to Ocwen Loan Servicing with an offer of {$110000.00} Ocwen Required us to move the file to XXXX and list this on XXXX where another buyer won the auction at ( meeting he reserve bid ) and even bidding higher to {$110000.00} plus the required {$5200.00} plus {$290.00} both fees paid to XXXX. 

The file moved back to Ocwen, the file was then submitted to the investor and was rejected ( not for the HAFA fee of {$12000.00} being offered to the XXXX lien ) but because the purchase price was too low according to the investor. Ocwens solutions was to submit the file back to XXXX to have the property put back on the auction site and try to obtain a higher offer. 

I filed a complaint and the file moved to XXXX XXXX in escalations, and was told the file is no longer with ALtisource. I asked XXXX about the coutner/ value/ buyers premium etc. He decided to only answer emails he felt comfortable answering and stuck to countering me. 

He then asked me for a payoff for the XXXX which I obtained. He then countered me that the max to the XXXX in HAFA would be 8 % UPPB. He did n't want to provide the guidelines to me that stated it was 8 % nor did he want to explain why the XXXX 2016 HAFA policy says the agreegate cap can not be less than $ XXXX instead he wanted to speak with me via the telephone where he could speak over me and continue to argue with me that I was reading the policy wrong. 

I will be bring this up with those regulatory agencies so they can elaborate on their policy for Ocwen. 

I hope the Trade commission decided to investigate this Ocwen/ XXXX relationship. And I would like an explanation how this is acceptable customer service. Now we have been at this for months and months. I escalate a matter and get totally unprofessional service from your escalations representative. Please see below and advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: MO

Complaint narrative:
A short sale contract/offer was submitted to Ocwen on XXXX/XXXX/XXXX. Though a file manager was assigned on XXXX/XXXX/XXXX, and though I spoke and exchanged email with escalations, and though the file was identified as requiring a loan modification offer and denial in XXXX, the file has still not been deemed complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
In XXXX of XXXX your agency completed an investigation and entered into a Consent Judgment with Ocwen Financial Corporation and Ocwen Loan Servicing , LLC for unlawful conduct related to loan servicing and foreclosure processing.The purpose of this communication is to alert you to the fact that Ocwen has, to the best of my knowledge and belief, violated that agreement pertaining to one of the most significant restrictions in that agreement, i.e. : submitting forged documents in a judicial foreclosure proceeding. 

The history of our case is lengthy and not necessary to detail at this time other than there have been three attempts to foreclose on our home since XXXX and all have failed due to submission or public recording of a plethora of fraudulent and/or forged documents. 

The most recent attempt to foreclose was filed on XXXX XXXX, XXXX which contained exhibits and documents supplied by Ocwen as the loan servicer. Among the exhibits was an XXXX to the Note which had not previously appeared in the preceding foreclosure filed in XXXX nor did it surface in a Chapter XXXX bankruptcy filed previous to the XXXX foreclosure action. 

Despite Ocwen 's assurance to your agency ( as well as all of the Attorneys General listed in the Consent Judgment ) that they would refrain from using fraudulent or forged documents in foreclosure proceedings, Ocwen included this ( undated ) Allonge to the Note in this third foreclosure filing even though there should have been historical records available to them to verify the validity of the initials of XXXX XXXX Option One, on this very important document. My own diligent research uncovered what I believed to be XXXX XXXX actual initials and handwriting derived from her very own mortgage documents. I hired a handwriting expert to compare the initials on the XXXX to actual mortgage documents of XXXX XXXX and the conclusion was that it was not the same individual. Once I supplied this information to my attorney and he in turn supplied it to counsel for the Plaintiff ( XXXX XXXX ) just prior to trial, Plaintiff mysteriously and suddenly withdrew their complaint and counsel for Plaintiff also quickly withdrew their representation of Plaintiff. 

In addition to recording a forged/fraudulent document in a court proceeding, Ocwen continues to harass us by mail in attempt to collect a debt that was categorized in default at the time they ( or their predecessors ) obtained the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
On XXXX/XXXX/XXXX, Ocwen ( loan servicer ) denied the loan modification on my account. On XXXX/XXXX/XXXX, I have formally appealed and challenged their decision on loan modification denial. Instead of addressing my appeal, Ocwen elected to start a foreclosure process by filing a Notice Of Defalut ( NOD ) on XXXX/XXXX/XXXX. Ocwen chose to ignore and disregard my appeal and proceeded with foreclosure process. This violates CFPB 's Dual Tracking Rules and California State Homeowner Bill of RIghts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: UMPQUA HOLDINGS CORPORATION
State: OR

Complaint narrative:
We used Umqua bank bill pay at the beginning of this year. I have submitted a complaint before earlier this month. Umqua never called me and only looked at XX/XX/XXXX of this year. A late payment on our credit would not show up this fast. I have called the bank twice with no return call. XXXX of the payments we used Umqua 's bill pay for was over XXXX days late. We had this figured out earlier this year between the XXXX banks. When XXXX puts their full faith in bank to do the right thing and they do n't and make a mistake, XXXX expects them to make it right. They did not even call us to get our side, They just did nothing but look at the last month and close the case. I can not even get a return phone call.If we had known that Umqua writes a check and then puts it in the mail instead of an electronic transfer of funds we would not have used it. Again my concerns were not addressed and I was not even contacted by Umqua bank. I went with them because they took no TARP money and I was told their service was top notch, I am beginning to wonder now if my faith is placed correctly

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
My office represented the borrower in a foreclosure case in XXXX XXXX Court. The borrower changed attorneys and we no longer represent her. However, my office still receives mortgage statements for the borrower. The statements lists the borrower 's name but my office 's mailing address.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14 00:00:00
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Ocwen Financial Corporation
State: RI

Complaint narrative:
I became deliquent on my mortgage as of XXXX XXXX, 2015 ( the last payment. The tenants had moved out and we missed the XXXX and XXXX payments. As of XXXX/XXXX/2015, Ocwen ; the mortgage holder ; proceed to send what they call a knocker to the door. When they discovered no on there, they proceeded to begin vacancy proceedings. They did not contact the number that I updated with them in XXXX of 2015. Meanwhile on XXXX/XXXX/2015, Ocwen assigned XXXX to come in and " winterize '' the property. I had already done this on XXXX/XXXX/2015. This house was listed for sale under a Realtor. XXXX then stacked all of our belonging into the middle of each room. The house had been staged for sale on XXXX/XXXX/2015 and XXXX/XXXX/2015. XXXX then proceed to padlock the entrances to the home. The house is now under contract for sale. When, we sent people to the home to ready it for the pending sale, the pipes had burst, there were muddy footprints all over the carpeted floor, and cigar butts on the linoleum in the a joining kitchen. XXXX claimed no responsibility and referred us to Ocwen, our mortgage holder. Ocwen claimed that they would not send someone into our home before 90 days delinquency. When this all began, I started the modification of my mortgage with this lender. I repeatedly sent them the documentation they requested and they repeatedly needed more documentation and phone call meetings. It has been 4 months now and they are still telling me I did not submit the right paper work. I believe they are dual tracking me. Trying to delay in order to foreclose. Help

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-21 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
XX/XX/XXXX my house in XXXX, Va was sold in a short sale with GMAC which covered the mortgage and XXXX mortgage. GMAC transferred the XXXX mortgage to Ocwen Loan Servicing when it was not owed. Ocwen after researching said I did not owe it and to disregard and letters in the mail until they enter info. They never took it off my credit report. It is still on there as an adverse account. The " loan '' was then transferred to XXXX XXXX whose loan administration after 3 months research found I did n't owe it either as it was paid off in short sale. XXXX has removed the loan from my credit report but can not remove Ocwen. I see there are other people having the same problem and many other problems with Ocwen. Ocwen is currently on alert and being looked into by the government and law suits are pending approval. I do not want to do a lawsuit and just would like it off my credit report since it never should have been there since the beginning with GMAC. The attorney general of VA sent me a check for XXXX and an internal audit sent XXXX for the illegal handling of the sale and loan by GMAC. It in no way made up for the many problems and financial issues and nothing should have been transferred to Ocwen. When you call Ocwen they are from XXXX and can not understand issues because they do n't speak very good English and do n't understand it either, they read from a script and never understand the problem or they just hang up on you. They had agreed to remove it but as of now it is still on there. Talked to them about this matter XX/XX/XXXX. 
Please help me if you can It has been too long and my stress level is out the roof. Anything you can help me with would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
In XXXX my husband and I fell behind on our mortgage due to his being laid off of work and subsequently filed Chapter XXXX bankruptcy protection. Our mortgage at the time was being serviced by Ocwen. We filed chapter XXXX on XXXX XXXX, XXXX and began paying as scheduled by the Chapter XXXX trustee with the understanding that all missed payments were part of the chapter XXXX plan. We continued to pay our mortgage to Ocwen on time each month and at some point our mortgage was sold by Ocwen to XXXX. Now that we are discharged from Chapter XXXX, XXXX is claiming that we are behind dating back to XXXX XXXX when our loan was owned by Ocwen. After contacting Ocwen, they gave me a copy of our payment history and it appears that they were not applying our monthly payments properly, instead of our post-petition Chapter XXXX agreement, they were applying each month to cover past due amounts that were being paid through the Chapter XXXX trustee. I would like Ocwen to fix the accounting errors on my account and work with XXXX to also correct this error. XXXX is reporting us as late every month since were were discharged due to the " missing '' payments that Ocwen misappropriated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-01 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XXXX 2015, Sears Master Card Services was contacted to eliminate the balance and shut down the account. After a long negotiation two payments of {$110.00} and {$110.00} were to be deducted from my banking account in XX/XX/XXXX and XXXX 2015. As per the representative, these were going to eliminate the balance and close the account. I keep receiving phone calls and bills. I contacted Sears credit cards services again, and they said that back then a balance of {$34.00} was kept on the account. I askd for recording and notes to be investigated. A balance of {$100.00} is still being charged. I have only payed late fees, I used this credit card once. I was promised to be done with this balance and credit card after XX/XX/XXXX and I was lied to by the representative.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-19 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
My Best Buy MasterCard has always been configured to automatically make payments from my bank account. I have never been late on payments. XX/XX/XXXX, an annual fee was added to my previously current account balance. However, the automatic payment system did not act in its usual fashion, so the account became past due for several months. As a result, over {$100.00} in late fees have been charged to my account due to the automatic payment system failing to function as expected. What is much more concerning, however, is that this has caused a severe delinquency ( past due 60 days ) to appear on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX, my mortgage serviced by CitiMortgage Account Number XXXX was paid off in full. I refinanced with a new 15 year fixed rate FNMA mortgage which was funded on the same date. I had a remaining escrow account balance at CitiMortgage of {$2200.00} as of XX/XX/XXXX. On XX/XX/XXXX, CitiMortgage withdrew {$15.00} from the escrow account. After contacting them via email on their website, they told me via email that the deduction was for a " wire payoff fee. '' The Note I signed on XX/XX/XXXX and the Federal Truth In Lending disclosure I received on the same date clearly state that the loan had NO PREPAYMENT PENALTY. I view this {$15.00} as theft from my escrow account, as it is a de facto prepayment penalty. Despite the small amount, I want this investigated and I want the money refunded to me, as CitiMortgage has refused to do so, despite my repeated contact with them since that date. Additionally, CitiMortgage has been holding onto my escrow balance instead of refunding it to me promptly. They have stated that they do not intend to issue a check until XX/XX/XXXX, which would be 16 days after the loan was paid off. I want a full escrow account refund, including the {$15.00} they deducted for the payoff penalty, IMMEDIATELY. They have had long enough, and I have waited long enough. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a Macys credit card which seems to be administered through Citibank. I made a purchase of {$130.00} on XXXX XXXX 2015. I missed making the payment so was charged a late fee of {$25.00} and an interest of {$2.00} in the statement dated XXXX XXXX, 2015, a total of {$150.00}. I paid the amount and was inexplicably charged a {$2.00} fee XX/XX/XXXX totaling to {$6.00}. I called and asked about this fee, and none of the credit card executives could provide a coherent answer. The last person I spoke to offered to remove {$4.00} in fees if I paid {$2.00}, which again, made no sense.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-16 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I signed up for a Citigold checking account after receiving a promotion offer for XXXX XXXX XXXX miles. I met the requirements of the promotion and sent a message to Citi to verify that the requirements have been met and the miles will post. Citi replied that the requirements were met and I should expect the points by the end of XXXX. When the miles did n't post I contacted Citi again and was told they do n't see that I was targeted for the promotion and will not receive the miles. I tried explaining to them that I have the message from them showing that I met the requirements and promising the points will post but they are not willing to honor their offer. 
Citi claims they gave me XXXX points, however this was not the promotion promised to me on sign up. Citi needs to keep their promise and give me the XXXX miles.

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 2016-11-11 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Opened a Citi Checking account which offered a {$400.00} bonus for depositing {$15000.00}. I have done so and still have not received the bonus within the prescribed time period. I would like the {$400.00} bonus credited to my account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-30 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I tried to return a defective product ( XXXX ) to Best Buy, but was told I was a few days past the very short return period ( 1 month ). I elected to pay only the minimum payment on my card until the issue was resolved. In spite of my XXXX notices to the credit card co., I was charged late fees which they 've refused to remove.

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 2017-03-20 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: RI

Complaint narrative:
I had a cash advance offer on my Citicard credit card which expired on XX/XX/2017. I paid the balance in full on XX/XX/2017 however when I received my statement today there is still a balance for the cash advance of {$370.00} which not certain why if the balance was paid in full. Statement billing period was XX/XX/2017 - XX/XX/2017 and I did have other purchases during that time but if I paid the outstanding balance in full why is there still a balance reflected in the special offer?

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 2016-06-06 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I signed up for a promotional offer for a Citigold Checking account with Citibank XX/XX/2016. The terms of the offer were to fulfill {$1000.00} in debit purchases and XXXX separate bill-pays in two consecutive months within the first three months of account opening to receive XXXX AAdvantage miles 90 days after the promotional requirements were fulfilled. I fulfilled my requirements on XXXX/XXXX/16. 

Long story short, after battling with Citibank about the promotional offer being attached to my account or not, I 've since received two explicitly written letters confirming that I was indeed enrolled in the aforementioned promotional offer and would receive my miles by XXXX/XXXX/16. I still have n't received the miles, and the executive office told me today, XXXX/XXXX/16, that I would n't receive the miles for another 60 days.

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