BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-19
Company: Ocwen Financial Corporation
State: LA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage with Ocwen Loan Company. I have had issues with Ocwen in the past - mostly due to the fact that their workforce consists of people who do not have a command of the English language. 

I take care of my XXXX father and he has been in and out of the hospital. He is well right now and I am slowly going through mail. I discovered an escrow refund check dated XXXX/XXXX/15. I can no longer cash the check. When I have discovered checks from other companies that have expired, the company that issued the check is very happy to re-issue the check. I called Ocwen to please re-issue the check or apply the amount to my loan, they stated that they probably would not and it would take a week to investigate whether they could re-issue a check or not. I do n't understand why this! First, they gave the reason that my credit score was not good. My credit score has actually improved since 2015! Then they said the lowered my payment. My payment went down by XXXX dollars! That is not enough to make up the difference of {$610.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am being foreclosed on XXXX XXXX 2015 and Ocwen will not accept my Loan Mod documentation they direct me to email to XXXXXXXXXXXX but the email does n't work every time I send a email it bounces back and reject the documents that ocwen requires to approve a loan mod which means they wo n't even consider the loan modification

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: Express Aviation
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I attended XXXX and agreed to pay towards a loan while I was in school in order to remain an " active student ''. I agreed to pay this loan so that I may receive an education. As of XX/XX/XXXX, the school closed down. With the school closing down I unfortunately did not receive the purposed education. I am no longer attending school and have been asked to make payments starting XX/XX/XXXX. Because I was unable to finish, and I did n't receive an education, I do not believe I should be expected to repay any amount of that loan back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-12
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
On XXXX XXXX, 2015, I submit a Letter Of Validation to Midland Credit Management. Please provide me with the following : Agreement bearing my signature, or contract, valid copies of the debt agreement. A complete payment history on this account along with an accounting of all additional charges be assessed? Anything stating I have agreed to assume the debt. As of this date, I have only have received a statement alleged, debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Midland credit management, inc contacted me to collect a debt. I am in the process of paying off my debt and i had believed i was finished. 
The debt did not show up on my credit report so i requested more information from the individual at midland. He refused to supply anymore information or debt verification. I gave up and stated that i would pay in full as long as they could provide me what we had discussed in writing as i had with all the other company 's. Midland refused to provide this as well so i hung up. 

They keep sending mail, they call my cell phone at all hours of the day, they contact my work looking for me, and have even called relatives and friends of mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-15
Company: Ocwen Financial Corporation
State: NH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
As a mortgagor to XXXX XXXX Bank XXXX XXXX XXXX, serviced by Ocwen Loan Servicing , LLC, I suffered a substantial loss in income in mid XXXX and applied for a loan modification. Ocwen referred me XXXX XXXX and I paid it {$3000.00} to assist me in the loan modification process. My modification was approved XXXX XXXX, XXXX, and I made my XXXX timely trial payments of {$990.00} and thereafter XXXX more timely payments, when on XXXX XXXX, XXXX, Ocwen refused that monthly payment and indicated that the loan was cancelled. It told me that Ocwen had failed to provide a modification document to me and because it did not have it the loan modification was cancelled and claims that I must redo the loan modification process. If it failed to provided necessary paperwork. Why am I being penalized for its mistake? Further, Ocwen is reporting payments as not being timely made, when in fact, all loan modification payments were timely made until it refused the XXXX payment. It refuses to provide me with the information I need or the document that needed to be signed and is wrongly reporting to the CRA 's that I was tardy with my payments, even though I made each payment timely.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16
Company: Specialized Loan Servicing Holdings LLC
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
SLS just started servicing my mortgage account effective XXXX/XXXX/XXXX. They are trying to raise my payment from XXXX to XXXX because of an escrow deficiency that is not there. My taxes and insurance are less than XXXX a year and they are requiring and escrow payment of XXXX, the current escrow balance is XXXX and my taxes are due XXXX/XXXX/XXXX and insurance is due XXXX/XXXX/XXXX. This new amount will cause financial hardship and is not necessary. With this new requirement, by Escrow account balance will be {$3700.00} on XXXX XXXX, XXXX. That is over a XXXX surplus by the time my insurance bills in XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: WAKEFIELD & ASSOCIATES, INC.
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was covered under my parents insurance at the time of this happening. Therefore they should pay for the charges and not myself

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 2017-01-30
Company: United Collection Service, Inc (FL)
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am XXXX and request " reasonable accomdation '' to help me submit this " ambulance ride '' for " medicaid retroactive payment '' as I am unable to do so myself AND this debt is a direct result of my XXXX AND I WAS covered by medicaid " retroactively '' on XX/XX/XXXX. Thankyou.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am particularly concerned after doing some research about my home i purchased in XXXX XXXX. 

The information I discovered has led me to want to investigate this mortage. As, a first home owner i felt that I was a victim of " equitty Skimmping '' and neglience. Over the years when I was unable to resell my home for nearly the cost of what I paid for it. 

My research conducted that, the house was purchased prior on XXXX/XXXX/XXXX for {$130000.00} and Taxes Assesment at $ XXXX I bought this same home In XXXX XXXX ( less 6 months ) as a young niave XXXX time home buyer. I realized I was over-charged for the home and also taxes. I was led to believe the house cost {$220000.00} $ and {$130000.00} ( Taxes ). I also feel that the appraisal was manipulated and would like that investigated as well. Although in XXXX the market was high however I felt I was targeted and taken advantage of. In addition, I have doubt that the house never was worth or close to {$220000.00} of what they charged me. 

IF you take a look on XXXX, you would also see where I attempted to put house on market and it never sold.In fact im currently in a upside down mortage. 

I dont understand how do a property town tax go from asessment of {$72000.00} to {$130000.00} less than 6 months without any updates. I felt that I was targeted and taken advantage of. 

I believe that this was " Property flipping '' fraud. The home was purchased and resold within a short time frame at an artificially inflated value. This sale involved a fraudulent appraisal, which indicated that renovations were made to the home, when, in fact, there were none, the renovations consisted only of minor cosmetic improvements such as paint. I would like this matter investigated

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
My husband and I have a XXXX mortgage with Specialized Loan Services out of XXXX Colorado. My husband had a business issue and had to file a chapter XXXX, but did not charge off this debt and has repeatly requested a reaffirmation, from the attorney and from himself. We understand that is option, however, I did not file and BK and I am the co partner on this loan. We have continued to make payments and all payments are current. They refuse to give me a statement, the have issues every month applying the payment in the right place and they will not respond to my request for a statement. So we understand, this is a clear violation of the new laws/rules, that they have no reason, not to provide me with a statement and apply the payment correctly and we do not understand, why they will not provide a reaffirmation agreement, but since we can never reach anyone, this has been difficult as well.

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 2015-05-12
Company: Halsted Financial Services, LLC.
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Threatening to contact my place of employment to garnish my wages without a court order. Telling me I 'm dumb and should just pay them. Continual calls daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: STATE FARM BANK, FSB
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Due to medical problems I set up a Hardship Program for payment of a credit card with State Farm Bank and I provided full documentation of my medical status and income and financial assets. I agreed to pay a monthly payment at a reduced interest rate but my account was turned over to a collection agency who began calling me to pay a higher amount than what I owed. The collection agency is XXXX, XXXX. XXXX XXXX XXXX Oklahoma, XXXX ( Account # XXXX ) I have been a good customer of State Farm for over 20 years and have never had a problem until now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-24
Company: IQOR US INC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Allied Interstate made debt collection calls to me after verifying they received a faxed cease and desist by e-mail. Additionally, iQor, a company not licensed to collect debts in Florida, contacted me to recover money. They blatantly violate the TCPA, FDCPA, and FCCPA. Additionally, XXXX recalled the debt because it never existed to begin with.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-24
Company: IQOR US INC
State: VA
Product: Debt collection
Sub-product: Federal student loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
For over a year, Representatives from Allied Interstate LLC ( A debt collection agency ) have been making threatening and harassing phones calls to myself and distance relatives ( giving these individuals personals and private information ) in an attempt to force payments for a XXXX XXXX XXXX that they claim that I owe but when I asked on numerous occasions last year for them to produce a promissory note and a copy of such information they never sent it. But, they harassed my terminally ill father via telephone calls concerning a loan that he had no knowledge of and is not responsible for. This harassment of my terminally ill father ( who passed away last year ) and his family continue all of last year and now. Allied Interstate LLC representatives were told several times that I did not live and have not lived with my father for over 44 years but these individual still harassed him and his family and they even gave them personal and privacy information about myself. They have also claimed to be family members and government employees in attempt to gain my trust and to collect this student loan debt. They have also claim that the interest and fees on this loan grows daily and legal action will be made to collect this so-called debt. They have been informed that several years ago all of my student loans were consolidated to XXXX Success and I do not owe a XXXX XXXX XXXX. I have also asked them to stop any and all contact with myself and family members but now they are calling me from XXXX every day and night and just hanging up or not saying anything on the phone when I answer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-13
Company: STATE FARM BANK, FSB
State: WI
Product: Credit card
Issue: Other

Complaint:
My previous employer, for whom I was XXXX, put my name on his State Farm credit card to allow me access to his account to make payments on his account, use it to pay for his purchases, make inquiries, etc. I believe this was in XXXX or XXXX. I recently discovered in checking my credit information on XXXX XXXX that this account was added to my credit information recently. It was not on my credit report originally or at any time prior to now. When I called State Farm because I suspected fraud, I was advised my name was on the account owned by my employer. State Farm sent a letter requiring both of our signatures to remove me as a card holder. I have now discovered this request was denied. I am a single mother and only make {$XXXX} a year, but have only my house payment, an occasional small balance on my own credit card, and my credit score was previously in the XXXX. This card with a $ XXXX balance has reduced my credit score to XXXX. I will also be in need of a new/used vehicle in the next year and am very worried about how this will affect my ability to obtain a loan or result in an increased interest rate. Also, if he were ever to default I do not want to be responsible for debt not mine. I can not afford an attorney and do not know where to turn. My previous employer said he is having his attorney follow up on it after tax season, but this is too important for me to rely on someone else to resolve.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-22
Company: U.S. BANCORP
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We purchased a new home in XXXX XXXX. At closing {$3600.00} was put into the escrow account of the mortgage and our monthly payments would be {$2100.00}. In XXXX XXXX we received a letter from the XXXX showing a XXXX proposed tax assessment of {$3200.00}. In XXXX XXXX we received an escrow refund check for {$3100.00} based on their annual escrow account analysis. In XXXX XXXX we received another escrow refund check for {$780.00} and letter stating that this was due to new information they had received from XXXX XXXX and that our new monthly payments would now be {$1900.00}. Then in XXXX XXXX the mortgage company paid XXXX XXXX tax bill in the amount of {$3200.00} ( the same amount shown in the letter we received in XXXX ) leaving our escrow account with a $ XXXX balance. Then XXXX XXXX, XXXX the mortgage company sends a letter stating that there is a shortage of {$2800.00} in our escrow account and that this is a projected amount and it XXXX increase next year. They gave us the option to pay the shortage amount now or to wait until XXXX XXXX to see what our new monthly payment will be after their annual escrow analysis. Unless we pay the escrow shortage our monthly payment will go back up $ XXXX {$300.00} in a few months. The escrow refund checks have been used to pay off debts and are no longer available. Also since our mortgage payment was lowered we took on some new bills for services we could not afford previously. These services are under multi year contracts ( example : XXXX internet XXXX ) and can not be easily cancelled. 
When speaking to the mortgage company about this, they stated that when they got the updated XXXX tax information in XXXX they did not trust or believe that it was correct, yet they went along with it anyways and lowered our payments and drained our escrow account to refund us. I do n't understand why they would n't follow up with XXXX XXXX if they did n't trust the information they got and how could they not get the same information I received at the beginning of the year. 
I feel this is very unfair since there was obviously a mistake made by others and we will be the ones that end up paying for it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-22
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX is billing me for service at a home that never had XXXX service in it 's history. When calling XXXX XXXX, they do not know what I 'm talking about as they have no information for service at this address, yet they have notified the credit bureaus as an unpaid debt. 

Bottom Line - XXXX can bill every address in country and make everyone pay {$200.00} just to get it removed from their credit reports and they make the dispute process extremely difficult

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15
Company: Metropolitan Bureau of Collections, Inc.
State: CA
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I was told if I did n't pay that they would send a sheriff to my job and then garnish my wages.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10
Company: TFC Group, LLC
State: CA
Product: Consumer Loan
Sub-product: Title loan
Issue: Charged fees or interest I didn't expect

Complaint:
I now owe more than my original loan even though I have paid thousands towards it. I am now 60 days past due. They are calling third parties asking them to about my whereabouts and telling third parties about my financial situation. They have also harassed me with a false phone call from a police officer stating that I am to either make a payment or return the car. They call the same third parties multiple times which most are complaining that these calls are harassing. The creditor states that they have every right to make these calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: U.S. BANCORP
State: NJ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
i have a Pennsylvania unemploymen card with Relicard. The card never left my possesion but was being used by someone in XXXX with carges totaling {$4400.00} Disputed the charges as soon as they came to my attention. Sent all documantaion that Reliacard asked in a timely manner. recieved letter stating " Based on our investigation we have concluded no error occurred therefore no funds will be credited to your account and this matter is considered closed. '' called to ask how this was determaned and was told the matter is closed and if i didnt have any new info they where not going to look anymore into it. It was 27 charges total starting on XXXX totaling {$4400.00} all online the charges go against my spending history and no deliverys from any of the companies where delivered to me .No one from Reliacard has reached out to me to discuss these charges. 
'

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 2017-03-02
Company: SUNTRUST BANKS, INC.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I previously had a dispute with Suntrust Bank in which I owed no monies and the account was to be closed. However, they have since placed the account with a collection agency.

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