vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I bought my home in XX/XX/XXXX on my sole income. I had a 30 year mortgage. I paid for 10 years and then ended up getting a divorce. At that time my ex and myself contacted Citi to request her name removed from mortgage. We were told we have to refinance to do so. So in XX/XX/XXXX, I paid off the XXXX mortgage and refinanced in my name, for 30 years. Then taxes, insurance went up causing an escrow shortage at which time they raised my monthly payment another {$300.00}. Wel I paid as long as I could, but started to run into issues. So I contacted lender to see if there was any assistance for someone like me, who struggled through the housing crash, looking for principle reduction and refinance for a better rate. They put me into a loan modification and gave me an amount to pay, {$950.00} for the next 3 months. That was 7 months ago. I have no paperwork saying I am in a modification, and the original mortgage shows I am late every month on my payment and Citi sends letters saying I am behind in the amount of over {$7100.00} now. They email me and tell me they are waiting on title search to come back, but still never send me info on my modification. They have someone leave envelopes on my door to call. When I do, they say 'OK, thank you. Even though I have told them I did n't want to lose my house and I am in it and taking care of the property. Oh and the new loan will be for 40 years. I have researched and seen that Citi has done something similar and stared forclosure behind the owners back. I am worried, frustrated, beat down and mad that after all these years they would treat me, or anyone, this way.

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 2017-03-23 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I was enrolled, with out my consent, into " CITI IDENTITYMONITOR ''. They are taking {$50.00} a month, the past4 month from my personal checking account, which they accessed through payment history, with out my consent. I was notified by CITI of this. My claim number is # 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 2015-09-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
1. I applied for the refinance of a loan on an investment property with Citibank. The marketing person gave loan cost info that was substantially below what actually was charged and told me he would see the loan through the entire process. He did not!!! The service dept. was " on its own '' and with no XXXX checking on the status of the loan, the loan processor got a new position and apparently did not tell the new processor that the XXXX pages of documents I had faxed on 3 days demand which were to go to underwriting, were in the file! When the new processor asked for the same docs, I informed her I had a receipt from 10 days previously. She said she had no documents. I called her supervisor who found the documents! I was also told just before closing that I had to obtain insurance coverage for the Assn. Master policy and the co. to call. That Co. was surprised that the lender did not make the request ( typical I was told ) and that I had to pay them for it ( the usual payment was through escrow ). When the closing documents were presented late on the date before closing from Citi 's closing dept, there were many errors! I came to escrow early knowing extra time would be needed to repair the errors. The errors were not corrected timely and I paid 3 more days at the higher rate from the previous lender. 
The marketer 's answer : no big problem and not to worry about it and no one will do anything about it. His supervisor told me he was sorry and gave me your email. A friend told me she had had the same experience with Citibank and the servicing dept., about the same time, although we each had a different marketing salesperson. 
A less experienced or sophisticated client would end up paying substantially more for their loan, perhaps going beyond the guaranteed interest rate date, due to sloppy management.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citimortgage disbursed {$5800.00} out of my escrow account for my property taxes on XX/XX/2016. As of XX/XX/XXXX these taxes have not been paid. I 've called Citimortgage and told this is normal. XXXX County says they have not yet received the tax money. My money has been missing for 45 days now and the bank has made no effort to rectify the situation.

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 2016-09-23 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I had enrolled in a College back in 2008 and the school signed me up for this loan from a private lender. I did not fully understand what it was I was enrolling in and now I have had a bill from CitiBank Student Loans on my credit report since 2008. They then transferred the loan to another creditor and so I would like to dispute having these collections on my credit report. This is illegal as far as I am concerned and i would like to get some help resolving this.

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 — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
on case # XXXX, i received the modification of promissory note & the payments are not correct. I have attach a copy of the recast agreement that I signed in XXXX. It clearly state with the recast my mortgage payment and estimated monthly escrow payment of XXXX ( which is still effective ) that the total monthly payment is XXXX and without recast the total monthly payment is XXXX. I have been requesting the recast payment since XXXX and Ocwen still has not gotten it right. This modification is without the recast. I WANT THE RECAST PAYMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I have not received my billing statement since XXXX XXXX. The statements are not available online either. Because of this I did n't get any notice that my escrow has increased. I contacted them on XXXX and XXXX. However, I 'm still not getting my billing statements. On XXXX, they sent me a bunch of estimates they made on XXXX, for what I will have to pay on XXXX. However, these are not close to being accurate. On XXXX, I called them XXXX about this. The XXXX time I called on XXXX, I requested the supervisor. After waiting 30min, they told me the supervisor will call me back within 24 hrs. I never received a call from the supervisor. When i called on XXXX, I discussed another issue I have with a XXXX account. They took out extra amount from my escrow. Also, the XXXX they sent me has an incorrect Mortgage Insurance premiums section. They will have to resend that to the IRS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kansas Counselors, Inc.
State: KS

Complaint narrative:
There are XXXX collections on my credit report from this debt collector and the hospital and I are working on a XXXX case to XXXX all of my bills. These should not have been put on my credit at all. The amounts are XXXX, andXXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
In 2015 I became late on my mortgage due to unemployment. I requested a government modification through Ocwen, and was told I was not approved. Ocwen offered an in-house modification. The monthly payment would be lowered by a few dollars, interest would be lowered by 0.3 %, and there would be a {$19000.00} balloon payment at maturation. I turned down the modification because of the balloon clause. My relationship manager pressured me into accepting the modification, and said I would also have a balloon payment if I remained with my regular contract. This was a lie - I obtained my original note, and there is not a balloon clause. I rejected the modification, which took a long time and many calls/emails to accomplish. Since then, I made payments to become current : {$600.00} on XXXX/XXXX/15, {$590.00} on XXXX/XXXX/15, and {$1300.00} on XXXX/XXXX/2015. None of these payments were applied to my past due balance. {$600.00} has been in suspense for over a month. XXXX agent said I had over {$1100.00} in suspense. Other agents and a supervisor said I have {$600.00} in suspense. I am not sure how much is in suspense. Because the suspense funds were not applied, I became 4 months late on XXXX/XXXX/2015, and was told that the {$1300.00} payment would be rejected and mailed back to me, and that I owed an additional {$570.00} in addition to the {$1300.00}. I have called and emailed many times to request that the suspense funds and the {$1300.00} payment be applied, but Ocwen will not apply them. The {$1300.00} is not showing up anywhere - not on my account or in suspense, despite the fact that I have verification that these funds arrived to Ocwen on XXXX/XXXX/15. The biggest problem is that I can not get a clear answer from Ocwen. They do not respond to email. By phone, some agents and supervisors say that the funds remain in suspense due to a system glitch, and will be applied soon. Other agents wo n't clearly answer my questions. XXXX agent said it was my fault the funds remain in suspense, and that these funds were to be applied to principal, and not the late balance. Every time I call I get a completely different answer. It is impossible to obtain honest and accurate information. Last night I tried to pay an additional {$570.00} online via XXXX, but received a message saying this was the incorrect amount, and to contact Ocwen customer service. XXXX would not allow me to submit a payment. I am not able to make a payment by phone, on the Ocwen website, or via XXXX. I am being charged late fees, certified mail fees, fees for photographing the house, and have received negative credit reporting. I have given everything I have in my bank account to Ocwen this month to try to become current, however they refuse to apply any of these funds to my past due payments, and I am afraid they will begin the foreclosure process.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Hi my name is XXXX XXXX I have been trying to get a loan modification with my servicer Ocwen on my property XXXX XXXX XXXX XXXX, XXXX CA XXXX for over 3 years, they have refused to cooperative and they have been engaging in dual tracking and wrongful foreclosure. My property is now in foreclosure and i am facing the possibility of losing my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HW Holding, Inc
State: TX

Complaint narrative:
The collection company is continually calling my home for a debt that belongs to my son after I informed them that my son died this year XXXX/XXXX/XXXX. My son was only XXXX in XXXX when he passed away suddenly. He had just turned XXXX in XXXX of XXXX. What type of contract could they have with a minor child that allows them to call my house when my son died before he became an adult? They told me I have to send them a death certificate before they will stop calling my phone. My son does n't live anymore.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
OCWEN -the mortgage company -sent me a letter stating my mortgage was being sold to XXXX and gave me a check for {$89.00} to repay the echrow account. I went to deposit the check 2 months later and was informed by my bank that they denied payment and I was charged {$17.00} fee. I have called QCWEN numerous times and they claim the check was cashed in XXXX but I had the check in my hand in XXXX for deposit. They refuse to give me any info on where and who cashed the check since I had the live check in my hands in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: SC

Complaint narrative:
I have a rental property in an area that has over XXXX rentals on the market, I have placed the property for sale, have contacted my mortgage company and am behind on payments. I do not wish to keep the property and am doing the paperwork for a short sale. My question is how long will a short sale negatively influence my credit vs. a deed in lieu? The mortgage company is telling me it is the same, XXXX years, but to check with a credit agency. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 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: OH

Complaint narrative:
Hunter Warfield debt collection company has reported I owe a debt of over {$1000.00} which they purchased from a lease company called XXXX XXXX out of XXXX, Ohio. XXXX XXXX fabricated these charges in retaliation for me reporting and complaining about illegal activity on the apartment complex property which endangered myself and my children. When we broke our lease because of unsafe conditions and repeatedly being victimized by theft by other residents and their guests the leasing company withheld my security deposit and fabricated charges for non-existent " damages '' in order to recoup the rent that would have been owned had we fullfilled the remainder of our lease. I informed Hunter Warfield of this on every occasion that I spoke with them. They insisted they had verified the debt was " valid '' by taking XXXX XXXX 's word for it. I told them I had XXXX photos of the apartment on the day we moved out showing there were no damages but they refused to let me send them to them. After repeated contacts to my cell phone I informed them I did not want them contacting my cell phone anymore and requested they only contact me in writing. Collectors were rude and hung up on me when I made these statements, only to continue calling back to my cell phone multiple times. Their collection practices were aggressive, threatening, intimidating and illegal when they refused to stop calling my cell and refused to contact me only in writing. They also did not do a proper job of validating this debt as there were no damages to the apartment at all. I have now been denied a mortgage loan to purchase a home due to this specific item appearing on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I owned a home that Litton Loan was the mortgager in XXXX when I settled the debt. Ocwen Loan Servicing who bought Litton Loan has been reporting that I had a loan with them that was settled in XXXX and was 120 days past due at that time. This is an excerpt from my XXXX Credit Report... 
XXXX Account name OCWEN LOAN SERVICING XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... 
Type Mortgage Terms 30 Years On record until XXXX XXXX Recent balance Not reported Credit limit or origi- nal amount {$120000.00} High balance $ 0 Monthly payment Date opened XXXX Date of status XXXX First reported XXXX Responsibility Individual Status Paid in settlement. 
Comment Account paid in full for less than full balance ________________________________ I have dispute the validity of this reporting with the credit bureau but they have said it was verified as correct by Ocwen. I have been calling and corresponding with Ocwen for the last several months, requesting that the provide documentation via original loan documents, settlement statement, payment history, etc. However, when I call they are unable to verify that I or this loan exists in their records. I have provided per their request full name of borrower ( myself ), property address, original loan number ( Litton Loan ), social security number and my current contact information, as well as a copy my credit report showing their reporting. I have provided this via phone, US mail and email yet they insist there is no record of me or this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 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: SC

Complaint narrative:
I previously disputed this account with Hunter Warfield , Inc . I provided them the information they required and they failed to reply back to my complaint. It has almost been 30 business days since this has happened, so I recommend either showing me what you 've come up with or removing it from my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
We first of all was manipulated into a mortgage contract ( that terminated after 20 years ) the contract was called a ballom mortgage originally we had a 30 year mortgage then at that time they demanded that we refinanced the the entire amount of the mortgage which was {$100.00} at the beginning. we paid over XXXX into this contract and yet we did n't recieve any equity. then they refuse to negociate any thing with us mortgage reform called a Modified Mortgage. that we were never late on our payment all the while we kept all of our mortgage payments up. at the end of that time they refuse to except any payment. after becoming fustrated with mortgage we finally relocated. they then forclosed and sold the home for {$110000.00} and we did n't receive a cent back. We believe that we victims of preditory lending which was perpetuated by Ocwen Mortgage a division of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
on XXXX XXXX, 2015 our XXXX mortgage with Ocwen was cancelled as part of a Chapter XXXX that has since been dismissed. Ocwen did NOT notify our county with the reconveyance that the XXXX mortgage was satisfied. On XXXX XXXX we had the closing scheduled on the sale of our home and our title company let us know that the XXXX mortgage was not released according to our county. The gentleman that was going to purchase our home has cancelled. We are in the process of working with another family and they are paying cash and want to close quickly, we have put a down payment on a new home in another state and we must close by XXXX XXXX or we will lose our deposit. I was supposed to start a new job in NY today, obviously I did not. I have spoken with people from OCWEN everyday since XXXX XXXX, I have emailed, cried, begged, left messages, and I got nothing. I offered to pay for overnight service, nothing. I have asked them to forward the document directly to me and not the county, as our title company can file it the day I receive it and the closing will be quick. I am begging for help, we do n't want to lose the home we are trying to purchase, but without the closing, we can not purchase our new home. We do n't want to lose yet another buyer because we do n't have that document. I will forward the IRS cancellation of debt statements. OCWEN is not in disagreement that it is a XXXX balance, they just wont process the document we need to sell our home. Any help is greatly appreciated. thank you, XXXX and XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
OCWEN has been making repeated robo-calls to our home. Caller ID shows " Toll XXXX XXXX '' -- no mention of OCWEN. When someone picks up the line a recorded voice says to " stay on the line '' and some seconds later an operator comes on and asks for me or my husband. When I ask who it is they say " OCWEN a debt collection agency ''. Then they ask for my social security number! 
We are NOT behind on payments, and never have been. We refinanced our mortgage through XXXX in 2013 XXXX then through GMAC to get a lower interest rate. Apparently they sold the loan to OCWEN?. Now they are saying they need to " update their records '' via an unsolicited, unidentified phone call " for the trust ''????

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: UT

Complaint narrative:
I was unemployed so I contacted Ocwen about an unemployment forbearance. I paid every one of my forbearance payments every month. After the forbearance period ended, Ocwen declared that I was 5 months behind on my regular payment amount, placing me in an impossible position and attempting to force me into foreclosure. They are demanding many thousands of dollars at once in order to " reinstate '' my account, which I had been paying my payments on every month until then.

Company response to consumer: Closed with explanation