vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-15 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Hello I am reaching out because I have lost my car, home, and I 'm losing my health due to me not being able to purchase my medication. I 've been banking with Chase since XX/XX/XXXX and have been receiving my same deposits with no change being made, but as of recently someone restricted my account due to what I believe was a error of {$1200.00} through some type of remote deposit. I spoke with Chase and told them that had to be a error and the payment would be resent via direct deposit and they said okay but my account would remain restricted. I waited on my next deposits to come in and they were on time to meet my bills, but Chase said they decided to close my account so I said cool just give me my funds. I updated my direct deposit with my employer so no other funds would come to that account but {$23000.00} of my dollars still managed to go that account and here is where the problem begin. I was told my account was restricted and that a thorough review are done over each transaction going in and coming out so I had a ACH come in my account that was looked at carefully before being accepted. Chase took the {$1200.00} dollars that I owed them and said they are not giving me my funds because they are in my publishing and stage name instead of my government name but it 's been that way since I opened my account. I did everything I was asked to do from the back office to the branch but I ca n't seem to get chase to understand the illegal part of holding my funds for no reason so I spoke with my employers and they said well if Chase had a problem with the deposit why did n't they just send it back to us to reissue it and I told them what the XXXX told me which was it 's to late to recall the money once it 's in the account and it confused me and my employer for a XXXX to say if some money is incorrectly sent to a bank account it ca n't be recalled I 'm sorry but I 'm lost and had no other choice but to reach out to you or file a lawsuit and discrimination claim against these chase executives please assist me with this matter if you can.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
I am reaching out to your organization in hopes that you can assist or at least help me to see that my complaint is acknowledged. I have paid several companies thousands of dollars for various online business opportunities and have found myself as a victim of a professionally orchestrated scam.I would like you to investigate a charges on my Chase card from XXXX XXXX XXXX on XX/XX/2016 of {$3000.00}. I just did a complaint but forgot to mention this charge, there are so many of them that It is hard to keep up and remember all of them.I got contacted by this company by an unsolicited telemarketing phone call. The reason for this dispute was due to their deceptive sales tactics they used to obtain my business. They promised me a profitable at home online business.I have n't heard from them since, I tried to get in touch with them several times and I was not successful. They did not provide the services I was sold.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
We are in the third month of the mortgage loan process with no end in sight. We are purchasing a home and the seller will not extend the contract after XX/XX/2016. We have quickly responded to any documentation needed by the lender and we are still waiting for loan approval and loan documents. We have also been told that the loan interest rate and costs will have to be changed after we were told that they would honor their original commitment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
Ocwen mortgage company is denying me a loan modification based on their claim that I do n't live at my home at XXXX XXXX XXXX XXXX XXXX. Massachusetts. On XXXX XXXX, Ocwen received XXXX utility bills, a bank statement and a credit card statement with the correct address on those items as proof, yet I 've received nothing for over a month from them about this! I want to know why they are ( allowed ) to deny my request to modify my loan citing that I do n't live at my home as their reason to deny my loan! I live here at XXXX XXXX XXXX and this denial has been going on for over a year and a half now. I am looking have the foreclosure sale date of XXXX XXXX, extended to XXXX or XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25 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: NC

Complaint narrative:
For two years I have used auto pay to pay my student loans through Navient ( formally XXXX XXXX ), which are only configurable to the minimum payment. Several months ago I decided I wanted to pay more than the minimum - but am unable to pay a specific amount with auto payments. Thus, I stopped auto pay to schedule the payments manually. 

Over the last several months many of my student loan payments have been " refunded '' or not accepted ( paying via account I am positive has sufficient funds to make payment ). After making or scheduling these payments I have received confirmation numbers, and confirmed scheduling dates. From my perspective these payments were accepted, and credited towards my account. I have recently looked back to see payments not being credited to my account and extensive interest being accumulated. 

I have made payments over the phone that have been accepted over the phone, and then refunded for some reason. No emails, or notifications otherwise have alerted me that my payments were refunded. I have received notifications that my account has " needed attention. '' But no " payment cancellation '' alerts as I have had in the past with card errors, or other technical issues. 

Upon reading a recent article about similar practices happening with XXXX XXXX funded student loans I saw an eerily similar series of events taking place and I want to alert other people of these practices. It is intolerable that making financially smart planning decisions is not possible via Navient 's user interface, or even their customer service. I feel it is my right as a consumer to be able to automate my payments to any amount I desire. Further, it is also my right to pay with any means I see fit, however I am unable to use anything but a debit card, or bank account and routing number. There are pages upon pages of public forums from Navient users illustrating the frustrations with attempting to pay, and being unable. These practices further worsen the student loan debt problem that follows people in my generation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
My mortgage company will not assist me on logging onto my account, to make payments ect. Every time I make a payment I HAVE to call them and make a payment over the phone, which costs {$12.00} additional each month. I am also very concerned that I am being gouged with my homeowners Insurance, once again all I get is the run around. My Loan company is Ocwen.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
I sent a wire transfer in the amount of {$6600.00} on XXXX which Ocwen continues to claim they have not received even though I have confirmation from my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
US bank foreclosed on my property XXXX XXXX XXXX XXXX XXXX Pa XXXXWith Illegal documents. this documents. were filed in the XXXX distrct court. 
thess dicuments were filed by the same person for XXXX diffrent banks XXXX being bankwrup. 
Argent and its sister company XXXX. please find with this complaint dicumentation of this from the XXXX Th Didtrict court. also finf out fated notery stamp used to ffile these documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
OCWEN AND GMAC MORTGAGE ARE REPORTING NEGATIVE ACCOUNTS TO MY CREDIT REPORT. I HAVE NOTICED A NEGATIVE MORTGAGE ACCOUNT REPORTED BY OCWEN ON MY CREDIT REPORT WITH ALL XXXX BUREAUS. WHEN I REACH OUT TO OCWEN ASKING THEM TO VALIDATE THE ACCOUNT I RECEIVED A LETTER FROM THEM STATING THEY " NEVER ACQUIRED SERVICING ON THIS ACCOUNT '' AND THAT GMAC HAS FILED BK. IF OCWEN NEVER SERVICED MY ACCOUNT THEN THEY SHOULD NOT BE REPORTING IT TO MY CREDIT REPORT. LETTER BEFORE XXXX XXXX STATED THEY ARE REPORTING INFORMATION CORRECTLY.. ( ATTACHED PROOF LETTERS ) THIS IS A MAJOR VIOLATION OF FCRA

Company response to consumer: Closed
Consumer complaint received 2016-06-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MO

Complaint narrative:
Since XXXX I have paid for our original 6.5 % mortgage. 
{$1400.00} X XXXX = {$510000.00} {$150000.00} to fleet mortgage {$360000.00} {$49000.00} to XXXX {$310000.00} {$200000.00} to XXXX {$100000.00} {$100000.00} to the modification From OUR {$52000.00} escrow we paid {$44000.00} to credit cards In XXXX XXXX we paid off all of the credit cards the escrow and all principal and interest due on the loan. We have {$220000.00} equity Plus {$47000.00} We have {$270000.00} CREDIT. NOT a {$270000.00} balance. 
I gave Ocwen written notice that I did not want any more credit and wished to close the account. I want them to release the lien. They have {$50000.00} for the 2 % interest I paid them on NOTHING. 

RELEASE my LEIN

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I am XXXX yrs old and retired and my wife is XXXX yrs old and retired. 
We have lived in our home for XXXX years, raised our XXXX children here, and were enjoying relaxing in our declining years and playing with our precious grandchildren. 
In addition to this home and others we have owned during our working careers - we never missed any of our XXXX monthly payments for our various mortgages. 
In XXXX, XXXX American Home Mortgage Servicing , Inc. provided a loan modification giving us a new 40 year loan. 
In XXXX, XXXX Ocwen took over the loan. 
In XXXX, XXXX Ocwen added inspection fees to our monthly statementIn XXXX, XXXX Ocwen added more property inspection fees plus certified mail chargesIn XXXX, XXXX Ocwen added late payment fees and property valuation fees We disputed these adjustment to our contract and continued to provide the regular contract specified monthly payments. In XXXX, XXXX Ocwen Research Dept provided these details of our account from XXXX, XXXX through XXXX, XXXX : Property Valuation Fees - $ XXXXXXXXCertified Mail - $ XXXXXXXXLate Charge Fees - $ XXXXXXXXPrior Services Fees - $ XXXXXXXXProperty Inspection Fees - $ XXXXXXXXThroughout the ensuing months we have attempted to resolve this issue but Ocwen subjected us to these unkind tactics : - XXXX of phone calls ( at times up to XXXX per day ) - callers were from many countries outside the USA and never transferred our calls to a knowledgeable person at their US office. 
- callers would never have answers to our questions but insisted they needed payment- Ocwen issued additional charges for late payment penalty, property inspections, and other new charges not identified or explained. 
- Ocwen ruined our credit scores resulting in much higher interest rates when financing our purchases such as a new car. 
- Ocwen issued several " Default notices ''. 
- Ocwen has returned the last several of our loan payment checks in order to drive our amount past due up many XXXX of dollars. Seems this tactic was used to scare us and subsequently to justify foreclosure which was ominously mentioned in every letter- Now, last week, Ocwen has hired an attorney who has threatened foreclosure within 30 days. 

The stress caused by Ocwen over the past XXXX years XXXX. A XXXX, Ocwen 's harassment, lie 's, threats, failure to conduct business affairs in anything like fair treatment has brought my wife and I to a state of constant worry, fear, and total inability to either enjoy or even survive whatever days remain for us. 
I ask for your investigation of this company and hope you can bring us peace of mind by helping us to straighten out this situation and stop the foreclosure proceedings.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NV

Complaint narrative:
We received a statement from Ocwen telling us our monthly mortgage payment is going up from {$2500.00} to {$2700.00}. No explanation or advanced warning was given to these changes in terms of our loan agreement. The statement just said 'further detail regarding the reason for this change will be included in a separate letter '. The statement date was XXXX/XXXX/15. We have never received a letter of explanation. 
This clearly breaches the terms of our contract with Ocwen not to mention no constructive notice given to use regarding the changes of said terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-26 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Centron Services
State: MT

Complaint narrative:
I was n't sure how to describe the issue but in my words the way the debt collector Centron Services out of XXXX Montana served me the debt was in my eyes very unprofessional of them. On XXXX XXXX 2016 XXXX XXXX a process server with centron services trespassed into my home to serve me. I notified him that he was trespassing and told him to leave my residence. He continued to argue with me that the courts told him he could trespass into my home to serve me. I had a posted no trespassing sign affixed to my home and notified him that for any purpose trespassing is not allowed. I filed a police report with the local sheriffs office where I was told there 's nothing they can do because trespassing is a gray area. When I talked to the judge whom signed the order she stated that yes it was criminal trespassing and that I should let Centron Services know about the issue. Upon calling the company I ended up speaking to a XXXX XXXX whom is manager and explained the situation to her she asked for some basic information such as the police report number and whom I spoke with, which I was more than accommodating and gave her all the information she asked for to which she blatantly said thank you and hung up the phone on me. About 3 weeks later I received a piece of mail from Centron Services that stated I did not contact them and I would be in default judgment because of not contacting them about the debt. The way I see it is the company broke the law to get a debt from me and did n't get any recourse action because of it. And deceived me by not calling me back or notifying me that because I did not discuss the debt I therefore did not contact them. This was a very deceitful way they collected a debt from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
After 10 years, Ocwen Servicing Loan has increased my loan {$300.00} on an arm loan. The interest rate on the loan remains the same. This is an investment property in which I paid my loan on time for 10 years. This company is now making my loan not affordable. I do n't know if this is legal

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
THIS IS THE XXXX COMPLAINT THAT I MADE TO THIS AGENCY AND TOTALLY IGNORED AND MAKING THE COMIUNICATION IMPOSIBLE TO DISPIUTE THE CONELCTION AGENCY FALSE RESPONSES IN THIS SITE THE DOCUMENTS CAN BE ATTAACHED I AM UNDER A FRAUDULENT FORECLOSURE PRACICES DUAL TRACK BACK DATED MAIL AND DECEPTIVE PRACTICES FROM THIS SERVICING AGENCY ON MY LOAN AND YOU ARE WORKING ON BEHALF OF THEM SINCE THE COMINICATION BETWING YOU EN THEM ARE A SECRET COMIUNICATION HIDING FORM ME

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
This loan reached it 's 10 year maturity date in XXXX 2016. The account balance has been at zero for over 2 years. I have been requesting that OCWEN file a deed of reconveyance for over 6 months. They now claim that i must wait another XXXX9 weeks while they perform a " chain of title '' research through a third party agency. Totally unacceptable. They have moved me to an " escalation manager '' who is totally useless.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I have an interest only loan plus I have an escrow account. The loan is being serviced by Ocwen Loan Servicing. The interest plus escrow is approximately {$980.00} per month per the loan modification completed in XXXX XXXX. I received my statement for the payment due XXXX/XXXX/XXXX and there is an additional fee of {$1400.00} due. It is listed as Fees/Other Charges on the mortgage statement with no additional explanation. No letter explaining what this additional fee is for. I contacted customer service and was on hold for a lengthy time while she researched the issue. She finally connected me to the Escalation Dept where the Manager placed me on hold so he could contact the Cashiering Dept. When he came back he told me he needed to research the issue and call me back. He called me back the same day to tell me Ocwen was calculating the interest incorrectly and that I owed Ocwen {$1400.00} due to Ocwen 's error and as a courtesy they could add this amount due to my loan balance. I requested additional information as I have an interest only loan and this interest error now impacts my XXXX taxes. I requested a full accounting of when this error began, how they calculated the interest and what the interest should have been. I have not received any of this info. All I have been told is that I owe this money that is due to Ocwen 's error.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: NV

Complaint narrative:
I was approved both by XXXX ( owner of my loan ) and my servicer Ocwen for a loan modification on XX/XX/2016 ( Attached ) trial that went from XX/XX/2016 to XX/XX/2016. I made all of my required trial payments on time. Then in XXXX Ocwen stated they made an error on the first trial and issued me a revised trial dated XX/XX/2016 that went from XX/XX/2016 to XX/XX/2016. I made all of these trial payments on time. Then in XXXX Ocwen stated they could not issue the final modification documents until they cancelled out my first trial that was issued in error. So I kept paying my trial payments for the months XX/XX/2016, XX/XX/2016, XX/XX/2016 and XX/XX/2016. This last week my attorney who I hired to help me with this process advised me that Ocwen now states that they have cancelled both trials. My attorney states Ocwen makes mistakes like this all the time and what we believe happened is that they were only supposed to cancel out the first trial and they ended up cancelling both trials. I have now been paying trial payments since XX/XX/2016. Ocwen has messed up my modification process now two times and I am now back in foreclosure without any explanation from Ocwen except that they are working on it. My attorney has been calling them every month since XXXX and if we did not file this complaint Ocwen would just ignore their mistake until my house foreclosed. According to my attorney Ocwen can not put me into a trial unless I am already fully approved. Obviously Ocwen is violating the guidelines and they are also argumentative with my attorney every time they call. XXXX is even stepping in advising Ocwen to offer the modification. According to XXXX the modification has been approved since XX/XX/2016 and they have no idea what Ocwen is doing all this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
this is our offer from ocwen loan co. for a trial modification. our interest rate goes from 5 % to a bit over 2 %. our payments were XXXX a month, 4 yrs. ago when we first started begging for help.now they will go to XXXX a month with our principle balance going from XXXX to XXXX and at then end of term our balloon payment will be XXXX so i ask you do we lose our home now or do we lose our home when we are old and cant even work probably. if i sign this so called agreement with ocwen does it forfeit my rights to sue them? and if i enter into this agreement with them so we dont lose our home does it make all the wrong things they have done, like just this yr. signing off on our paperwork at the XXXX co recorders office, be ok? if we sign the agreement to keep our home are we losing our rights to sue this co?

Company response to consumer: Closed with explanation