vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
I have been an excellent customer, paying my mortgage promptly for over 15 years. I have repeatedly asked for a modification and was denied request because I was NOT LATE with payments. Finally became late because of chronic illness. 
I 've consistently submitted and resubmitted papers, spoke for months with Ocwen reps and was then denied because my income had dropped. This was the point in the modification in first place. I am getting nowhere with this company. 
Ocwen calls my home and hangs up when I pick up the phone. 
This is unacceptable behavior and an unethical business practice. 
My illness makes it extremely difficult to sort through papers and notices again and again. The stress is causing has increased my XXXX. 
Ocwen is throwing a person who is completely alone and ill in the street. I showed good faith all these years by making sure my mortgage was paid, no matter how ill I was. 
It is difficult for me to sit here and type this as I am XXXX from the XXXX compounding to my illness. 
I have asked they stop any actions towards foreclosure and grant me a modification in addition to taking the past due amounts and adding to back end of mortgage as I 've repeatedly requested so I can concentrate on healing and not worrying about dying alone in the cold. 
DON '' T LET THEM STEAL MY HOUSE! THEY 'VE MADE THEIR PROFIT! TREAT ME WITH THE DIGNITY AND RESPECT I DESERVE! 
Absolutely no fair customer service practices and no consumer protection. Please stop this madness!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
Ocwen charged me XXXX for postage for sending a notice of default when I was not in default. The payments were made within the grace period. I sent them information to prove this and they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
In reviewing various statements from Owen Loan Servicing # XXXX, which was transferred from XXXX XX/XX/XXXX. There are various discrepancies that need clarifying.The original loan amount was {$640000.00}. Why does the statement say, {$640000.00}. Additionally, I need a breakdown of all costs that the transfer of the servicing to OCWEN such as the alleged interest in the amount of {$120000.00}, alleged Late Charges, {$7200.00}, alleged Escrow advances, {$75000.00} ( copies attached ). In addition, on XXXX of the statements that name at the top of the letter says XXXX XXXX on my account. I need to know why would another person be on my account with my loan address, unless this account in fact does not belong to me. Also in the payoff statement dated XX/XX/XXXX, which has the name XXXX XXXX, and my address, how can the amounts be verified is another person 's name is on my loan. 
I would appreciate your attention in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
I have not been able to get Ocwen to modify my ARM mortgage. I have tried a few times over the years. Their last response was that it was modified in 2008 and is ineligible to be modified. Mortgage rates have been so low and because my mortgage is considered " underwater '', I really can not refinance it elsewhere. I just want a LOWER, FIXED RATE! Based on comments I have read on the internet, I am not the only one having issues with Ocwen. Complaints have been written by homeowner around the country. I even read where the XXXX has investigated them for their practices of not helping homeowners by rejecting loan modifications.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I missed a payment and when that payment became past due. I was unable to make a payment of XXXX payments to get caught up so my single payment was returned to me. I have been unable to secure a loan for past due payments and now owe {$28000.00} to get my loan current. I have been insisting on a loan modification which the lender refuses to give me. I am submitting an appeal to the servicer in regards to the loan modification denial. I was only given XXXX options to either short sale or a deed in lieu. I do not want to lose my house and feel that the bank is trying to take my house. I will now file Chapter XXXX bankruptcy to try to keep my house. I feel that I am being treated unfairly and I will be homeless if they take my house. Please do not ask the servicer to send me another stack of paper showing that they have done nothing wrong in servicing my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
While attempting to discuss refinancing XXXX Load advised that there was an " Open Dispute '' I advised that one had been open but resolved. I was informed that OCWEN would need to close the dispute in order for me to discuss the issue further. I have unsuccessfully reached out to OCWEN XXXX and to date the dispute has not been closed nor has anyone investigated the matter. I am being denied the opportunity to lower my mortgage due to OCWEN 'S incompetence and failure to resolve this issue. HELP!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Grocery store located 2 states away notified me that an employee found " my '' debit card in the ATM machine. Card still has activation sticker and is issued to my old legal name. This debit card and associated account was obviously opened fraudulently. Have only the debit card number. Spoke with issuing bank ( Citibank ) and the most they would do was cancel the card. Citibank would not provide any further information, citing that they could not verify my account information or identity, nor would they at least freeze the account pending an investigation. They then directed me to contact XXXX and led me to believe it was within Citibank. Turns out it is FTC. I have already placed a fraud alert through a credit reporting agency and looked at 2 of my credit reports for any suspicious information. Since the credit reporting agencies deal with credit and not with bank accounts, XXXX advised me to contact the Consumer Financial Bureau, from which I was advised that I could file a complaint. I think Citibank ought to at least freeze the account in question pending a thorough investigation. Canceling the debit card while helpful is insufficient action since the card was already abandoned. I also need to know when, where & how the account was opened for reporting & investigative purposes. I can not track down the perpetrator ( s ) and press charges if I can not find that person ( s ).

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 2016-12-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MS

Complaint narrative:
My mortgage lender is Ocwen Loan Servicing. My hazard insurance payment of {$1500.00} was due XXXX/XXXX/16 to XXXX Insurance Company. As of XXXX/XXXX/16, it has not been paid. My insurance agent has attempted several times to get an overnight payment. She was told that service was unavailable. I received an email from XXXX insurance that my coverage will be cancelled as of XXXX/XXXX/16 if they have not received a payment before then. I have now spent 45 minutes on XXXX/XXXX/16 on the phone speaking to XXXX representatives/supervisors. I was told that they see that the payment request was made on XXXX occasions but were cancelled due to computer errors? I have now requested an emergency overnight payment as of XXXX/XXXX/16, and while they tell me that this has been completed, they are unable to give me any confirmation number, email, letter, etc. This has to be illegal or at the very least it is unethical. I have never been late paying my mortgage payment and my money is in the escrow account to cover this. What do I need to do?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
Due to unusual historical circumstances, I have approximately {$55000.00} of outstanding credit card and other revolving debt. Most of it carries an interest rate of 29.99 % and is owed to Citibank. I would like to take out an additional home equity loan from Citibank for {$80000.00} to pay off this high interest rate debt and use the remainder ( {$25000.00} ) to pay towards my son 's college education. 

I have plenty of equity in my home and am employed full time and earning a good salary ( $ XXXX K/year ). So from an equity and debt-to-income point of view I should have no problem qualifying for this additional home equity loan. The problem I have a low XXXX score -- but it is purely on the basis of my high credit card balances. In fact, I have an excellent payment history ; e.g. my existing home equity loan to Citibank for approximately {$230.00} K has never missed a payment! Now because Citibank is denying me this debt consolidation home equity loan, I can not get out from under the high credit card balances to guess who? CITIBANK! So now I will be forced to restructure or ( hopefully not ) default on my credit card balances which will further impact my credit standing going forward. 

On Tuesday XXXX XXXX, 2016 I spoke with XXXX XXXX ( XXXX ) who is the Citibank home equity credit officer handling my inquiry. She confirmed that Citibank denied my request for a HELOC purely because of my low XXXX score, not due to my payment history or equity in my home or debt-to-income ratio. Furthermore, she confirmed that in looking at my XXXX credit report, my score of XXXX was low purely because of my high credit card balances. 

I explained to XXXX XXXX that I can no longer continue to make these high credit card payments. I further explained that this is not the way Citibank would treat its corporate or high net worth clients looking to refinance their high interest rate debts. In fact this is not how the taxpayer treated Citibank during the credit crisis! When I think about the mission of the CFPB, I can not think of a more black and white situation for them to look into.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
Having financial hardship after XXXX, I fell behind on my Sears Citibank credit card. When I became financially sound, I negotiated a auto payment plan with Citibank 's collection agency. 

However, after a year of auto payments, unknown predatory collection company XXXX bought the debt and demanded I pay the debt in full, or they were going to sue me. 
I called Sears Citibank and said the debt was discharged. 

XXXX harassed me for years by calling my home and work multiple times daily without providing invoices of my credit card transactions. Then, this summer I was wrongfully sued by a predatory law office XXXX who works for XXXX. 

After doing research, I discovered that these two company prey on working class citizens in Louisiana. So, I thought I was being scammed. 

Because I ignore the law suit and could not explain my case in Civil Court, the judge ruled in their favor. To make matters worst, Since my hands were tied, I spoke to XXXX at XXXX and told her I could negotiate after the Holidays. She ignore my request and started garnishing my wages for $ XXXX for a {$3500.00} initial debt. Now, I owe over {$8000.00} and counting. I am embarrassed to go to work. 

Because I can not pay all my monthly expenses ( mortgage, car, utilities, college tuition, medication for XXXX now, I my have file for bankruptcy. My credit score is almost 800.

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 2015-03-26 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have been trying to resolve problems with Citibank andtheir XXXX credit cards. The matter has been going onsometime. I need to resolve these problems but thebank has not been helpful, other than sending formattedlong letters. I hope they come up with a solution.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: NM

Complaint narrative:
My mother passed in XXXX XXXX unexpectedly in a XXXX accident. My stepfather was driving when the rear tire blew. XXXX suffered XXXX from not wearing helmets. My mother had a mortgage note as a married woman sole and separate property. XXXX XXXX payment was done online XXXX XXXX, XXXX and posted to the account XXXX XXXX, XXXX. XXXX XXXX, XXXX the executor of their estate resigned. XXXX XXXX personal rep app. was approved. Foreclosure attorney filed default, demanding payment, late fees, interest ( etc. ) be paid from XXXX XXXX, XXXX to XXXX XXXX. Probate was opened by my first attorney approm. XXXX who filed a wrongful death suit. Probate was finished with my second attorney, whom I retained XXXX XXXX. I had informed my attorney ofWhile waiting for application approval and letters of testimary to be issued, she began dialog with the foreclosure attorney 's office with requests of reinstatement and payoff quotes.Foreclosure attorney 's used many delay tactics while pursing foreclosure and reached appoint of a special master and sale date set. She was able to get the sale cancelled and reinstatement was established. I did inform my attorney of pmt made in XXXX. Since that time the Foreclosure attorney 's office has been sued for unfair business practices no longer representing the mortgage company. XXXX to present several defaults have been filed, reinstatement established. The last being resolved XXXX. However this current reinstatement quote began date XXXX. Knowing for fact XXXX was paid on time Learning the note does not fall into default until after the XXXX of the month I wrote the mortgage company requesting corrections to the account be made numerical listing them XXXX and account should be corrected to show listing them XXXX. Attaching documents of proof and dated contact log with names, brief detail and outcome most often including the time. Additionally offering but not including recorded conversations with their representatives. I requested notification of any fees for these requests or services before being charged. In their response they stated after their review they did not find any errors. Denied my request to waive late fees.Each monthly statement prior and since includes a late or past due fee but when I review the information online account states this fee is a number of different things.

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 2015-04-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
Sears representatives fraudulently processed a home improvement account in my name. My wife, XXXX XXXX, requested a Sears home improvement account and I provided my driver 's license number as a co-applicant over-the-phone. My wife could n't secure the amount of the home improvements so instead of an account in my wife 's name, it was processed in my name only. XXXX XXXX XXXX told her District Manager in XXXX, LA that my wife signed my name which if my wife did and she did n't that would still be fraud that XXXX XXXX XXXX, a Sears rep, was aware of. 

On XX/XX/2015 at my wife 's and my residence in XXXX, LA, I explained to XXXX XXXX XXXX that the home improvements are for my wife 's mom 's house and my wife only has a 20 % interest. I asked that Sears expeditiously complete the work or refund my wife 's money. I have no claim to my mother-in-law 's property and was willing to be a co-applicant if my wife qualified for an account. 

When my wife did n't qualify for the Sears home improvement account, Sears did n't ask me in advance if I would be willing to be the sole applicant which I am not willing. I believe I should have been asked before a Sears home improvement account was processed in my name and XXXX jobs were assigned against it. 

On or about XX/XX/2015, I asked XXXX at XXXX to cancel my Sears home improvement account. XXXX told me that she closed the account. She said that my wife, XXXX XXXX, should work out alternative payment plans with Sears to receive the windows and doors as well as siding. My wife decided to limit the Sears home improvement to the windows and doors and was instructed by a Sears rep to use my closed Sears home improvement account number XXXX. On XX/XX/2015, the day before the windows and doors were to be installed, the installer thought he was going to do the job on XX/XX/XXXX-XX/XX/2015 but Sears put the job on-hold later that afternoon. Sears reps wanted me to call XXXX and activate the account that I did n't request. I did n't want to activate the account or give validity to it. 

We have asked Sears/XXXX for a {$8300.00} refund in full for the windows and doors that Sears home improvement placed on-hold and we want to use an alternate source because of how Sears reps have treated us. 

I have asked XXXX at XXXX to receive a copy of the Sears home improvement application that initiated my XXXX account and told her that a Sears rep mistakenly instructed my wife to use this account when making alternate payment plans. We are stuck in a situation where XXXX does n't want to release my wife 's {$8300.00} and Sears does n't want to perform the work all based on a fraudulent Sears home improvement account in my name. 

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, LA XXXX : ( XXXX ) XXXX : ( XXXX ) XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
They are reporting an extremely ridiculous amount that i do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received a notice on XXXX/XXXX/16 that my mortgage was being transferred from my current mortgage company to another one, effective XXXX/XXXX/16.

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 2016-06-01 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
CITIBANK has not fulfill its promotion commitment for XXXX XXXX XXXX AAdvantage miles that I qualified for under promotion XXXX with my checking account ending in XXXX. As CITIBANK Client Service 's research letter confirmed, dated XXXX/XXXX/XXXX and numbered, XXXX ( copy attached ) when I claimed the miles that for the promotion. 

It has been more six months since that letter and, yet, my AAdvantage Account # XXXX has not been credited with the XXXX AAdvantage miles due to me. I addition to the numbered letter confirming my qualification for the award ; on XXXX XXXX, XXXX, a CITIBANK chat agent also confirmed that my award was in process ( a copy of that is attached, also ). 

Since that time, CITICANK claims they do not owe me the reward because I have since closed my account. That was not the case when I requested the awared and CITIBANK agreed in writing, that the award was due to me. CITIBANK has since closed all its Massachusetts offices, so having an account with them is impractical. I should not be punished with CITIBANK 's tardiness.

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 2015-07-14 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Made a purchase for {$28.00} at XXXX using a Sears Citibank credit card. Had not received a bill of any type till I got a letter saying I was overdue. They charged me {$60.00} late fee on a {$28.00} bill that was less than XXXX days old.

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