BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-19
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Re : Your letter dated XXXX, in reply to written complaint on XXXX account XXXX This is continuation of my formal written complaint. I initiated my complaint via a letter to Wells Fargo Bank ( WFB ) dated XXXX, and a personal visit to VP XXXX XXXX on XXXX. ( Note : in future correspondence, please refrain from describing my formal written complaint as an 'inquiry ', a 'concern ', or 'important comments ' ). 
I found your latest letter to be unresponsive to my complaint. Your letter indicates you found no error on your part and would be making no adjustments to my account. My research clearly shows there are, in fact, substantive errors. 
As to the first of your XXXX errors, you are failing to abide by your own Prime Equity Line of Credit Agreement & Disclosure Statement ( " Disclosure '' ). My monthly account statements clearly show that what you calculated to be the interest component of my required, on-cycle {$50.00} minimum payment to be less than {$50.00} ; this occurred on my monthly statements from XXXX to XXXX. However, these same monthly account statements clearly show WFB took my entire {$50.00} payment into interest, in contravention to the payment allocation methodology you describe in your XXXX letter and in non-compliance with your Disclosure. My research shows the error results in Finance Charge overcharges, and an understated Annual Percentage Rate ( " APR '' ) for this account. I suspect your error may adversely affect many thousands of your similarly situated customers. 
As to the second of your XXXX errors, you again are failing to abide by your own Disclosure. In my using your BillPay functionality ( a service which you heavily marketed to me via email advertisements ) to remit off-cycle principal-only payments, your system inappropriately assessed an interest component. You acknowledge this shortcoming of your BillPay system in your XXXX letter, yet refuse to make necessary adjustments to my account ; rather you direct me to use alternate methods to remit my payments ( which flies in the face of how you marketed your BillPay system ; WFB disclosed no such limitations to me when I signed up for the service ). This error occurred on my XXXX and XXXX monthly statements ; my research shows this error results in Finance Charge overcharges, and an understated APR for this account. I suspect your error may adversely affect many thousands of your similarly situated customers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Within 30 days after receipt of a notice from XXXX, I sent a written request dated XX/XX/2016 ( XXXX ) to ask for validation of the debt and ( XXXX ) to notify them to contact me on this matter by mail only. XXXX tracking is showing receipt of my requests on XX/XX/2016. On XX/XX/2016, I received a missed call from XXXX ( XXXX ). When I returned the call and verified my address & the last XXXX digits of my SSN with the representative, XXXX, he confirmed that they did in fact call me. I asked the representative why they were calling me and XXXX told me that they were calling to discuss the debt that I owe with Capital One, their client. He proceeded to discuss the asserted amount owed. When I told XXXX that I sent a letter requesting no contact by phone, he denied receiving the letter. Yet I have proof through XXXX tracking that my letter was received on XX/XX/2016. I believe my rights were violated under the FDCPA because the debt collector, XXXX, contacted me after receipt my letter for a reason other than to confirm receipt of my letter or to tell me that they were taking legal action against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I tried to correct information that Capital One Auto Finance has been reporting to the credit bureaus for several months now. I first tried a dispute through the credit reporting agencies, and the reported information kept being reported as " correct. '' I then tried contacting Capital One Auto Finance directly, was given the contact information for disputes, and tried to contact them to correct the information. I attempted to fax and mail the information regarding my dispute, gave well over 30 days time for them to respond each time, and still have received no response. This one item, if corrected, should drop from my credit report, and it is essential that it is corrected to give me the appropriate FICO score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have never had a bank account with XXXX XXXX. They claim I owe {$250.00} but they can not tell me why I owe that money.The debt collectors can not tell me why they think I owe them money. They kept asking me for my XXXX XXXX account number, which since I never had an account, I can not give them. I called XXXX XXXX, gave them my last XXXX of my social security number, they did a check and decided I did not owe that money. They referred me to their check fraud claims department and they want my full social security number and that I fill out an affidavit. I have no obligation to do anything for them because they have not proven I have a debt or given any real explanation for any debt. I have written them letters explaining myself but they still threaten me with closing " my claim '' if I do n't fill out their form within 20 days. This is personally identifiable information which they have no right to. I would fine them for unethical behavior and not give them my driver 's license or social security number.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
My family was faced with both a health and a financial crisis in XX/XX/XXXX. The HAMP program was announced we qualified so we applied through the debit collector OCWEN. Inadvertently we painted a huge bull's-eye on our backs by helping OCWEN identify a property with plenty of equity and owners in distress. We were forced, with threat of IMMEDIATE FORECLOSURE, to signed an illegal loan modification that turned our Home Equity Line of Credit without escrow ( remember no ESCROW ) into a loan with a balloon payment and an escrow requirement. 
Six months later ( sound familiar? ) my payment went through the roof. Ocwen, the debit collector, claims to have miscalculated escrow. 
We have an illegal mod according to Texas law and we ca n't get an attorney to following through. Fact is the first attorney pawned us of on the second attorney without telling us. The second attorney had some kind of breakdown and as far as I know has not been heard from since. I found out and went back to the first attorney who we subsequently fired. By the time we found the third firm the laws in Texas were changed to allow balloon payments on Home Equity Lines of Credit. We did go to court, or rather the firm went to court, we were asked specifically not to attend the hearing. I have attached the letter from the firm that states " As you are aware, the litigation against you has been dismissed and our services are complete. '' We think we have stopped the foreclosure but we have not. There should have been an appeal filed within 30 days of this decision but it was not. The firm basically quit before it was over. 
In XXXX XXXX Ocwen, the debit collector, along with the firm of XXXX XXXX XXXX XXXX XXXX ( operates like XXXX XXXX XXXX ) files for foreclosure with the same tainted documents and signatures as the last time and that is o.k. with the courts in Texas. We hire yet another firm. We have a certified audit that shows over {$20000.00} of our money was never credited to our account. Crazy fees were charged that were never disclosed. We have real evidence of the attempted theft of our home but Texas courts say none of this matters. Ocwen, the debit collector, has all the leverage so their partners in crime the aforementioned XXXX XXXX XXXX have served up another XXXX complete with an escrow requirement. In this XXXX it is spelled out that at anytime Ocwen, the debit collector, can and should be expected to jack around with the escrow account. So in six months time we will be right back where we started in XX/XX/XXXX. We are going to ask that the escrow be eliminated as we have always paid our own taxes and insurance. Our request will be denied because escrow is where the fun is at for these leeches.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX/XXXX/XXXX at about XXXX received a phone call on my cell from XXXX XXXX XXXX of OCWEN, informing me that my modification payment was late as of XXXX/XXXX/XXXX. I told her that I did not know that I had a modification since I had not heard from them since applying in XXXX XXXX. She said the modification had been approved and the terms were mailed out to me but had been returned by the USPS for the wrong address. ( I later found this to be incorrect USPS has not returned any of my mail ) .She stated that I was still responsible for the terms even though I did not know what they were. They had their attorney tell me not to contact them in XXXX even though I was in a modification. She also set up a return call. Later that day when I got home I called them and spoke with a different rep and she sent me a statement dated XXXX/XXXX/XXXX it showed that I was 2 months behind on my trial modification. My online access had been blocked & she helped me gain access and requested research on the address issues. On XXXX/XXXX/XXXX spoke with their attorney he said he had the modification but had not given it to me because there was n't enough time so he returned it to OCWEN. He wanted to know if I was willing to sign a release if they would modify I told him yes. I told him about Keep Your Home California. He said OCWEN would not use them because too many stipulations. ( but they participate in the program ). He said you see how court goes so they can keep paying me and we can go to appeal its no skin off my back. on XXXX XXXX called and said mod had been cancelled because no funds received on modification. but there was no date when it was cancelled. i told him it was still active. he said i had to reapply and to call the attorney, because even though the mail piece was returned the attorney also had it. I asked if he could send me a copy of the term again, he said no then yes but only email maybe. He would have to request and see if it was approved. Then he said that he could change my payment amount and make the mod not be cancelled when I told him that I had a current statement. The attorney sent me emails again saying I was not supposed to contact them and it was in bad faith even though the case was over. He admitted to knowing about what they were doing. I have a document from them saying I was under review that the rep showed me on XXXX. I just opened my email XXXX I have the mod agreement dated XXXX/XXXX/XXXX. they lied about the amount the printed on my statement vs the mod agreement, how long the interest rate would last, the P & I was different and there is a balloon payment. it was sent via secure email ( see attachments ). Noted the address is correct on the document.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I attempted to file a complaint with OCWEN regarding late charges. My account has over XXXX in late charges and the rep who answered the phone showed no urgency nor did he seem to care it was a complaint. I 'm disputing the late fees, it is excessive and unfair. OCWEN and GMAC has waived fees for other customers and I should be treated the same and fairly. I am asking that OCWEN reduce the amount of late charges!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our mortgage company, Ocwen Loan Servicing, has reported our payment for XXXX 2016 late to all credit bureaus because it was made in on XXXX XXXX, 2016. There where only 29 days in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
They are charging me interest on {$80000.00} when my current principal balance is {$65000.00}. I have contacted them several times they refuse to acknowledge this problem let alone make any changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I was sent a modification agreement by Ocwen. I completed the agreement and was told foreclosure was stopped. Discussions were misleading about a foreclosure hearing for another 30 days after foreclosure had occurred. Finally 30 days after the hearing had occurred and I had been discussing my loan modification they still said I could go to the hear. I have voice recording telling me the hearing was the next day at XXXX. I went to court on that day and time. I was told and found out the hearing had already occurred 30 days earlier. The house had already been foreclosed. I did not get to go to the hearing neither pursue other legal remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been paying my mortgage faithfully with Ocwen Mortgage for more than 2 years, I recently discovered they were not reporting my payment history as they are supposed to. 
I 've been in contact with all XXXX agencies of credit reporting bureaus. Ocwen. assured me each and every time that they have been reporting, however they are not reporting per my credit reflections, in return driving my credit score down by more than XXXX basis points, preventing me from refinancing my home. My loan is a fixed interest XXXX Mortgage. 
I have sent numerouse letters and received letters stating as such ( they have reported to all XXXX bureaus ) THEY HAVE NOT ... 
I 'm at wits end and very frustrated, It 's my understanding that per XXXX reviews on this company this is a ongoing problem and people are just as fed up as I am. 
So I ask how can the CFPB and FTC allow this company to operate in such a rogue way? 
There are many suits and complaints out there but yet, nothing is done about it. They are still treating their customers in a way that is operating against the law. Amongst other severe violations that have been documented. So once again how long can the Law continue to ignore this companies breaking of many laws?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04
Company: Ocwen Financial Corporation
State: AR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for a loan modification with Ocwen Mortgage in XXXX 2016. I am asked almost on the weekly basis to provide information I have already provided. When I submit the missing documentation, I am told my modification is in review and with the next couple of days when I call I am told that either the same or different forms are missing to the point that my application expired and I have had to resubmit application again. I have only spoken with the relationship manager assigned to me once. Although they say notes are taken, the next person is never aware of previous contacts issues. I do not understand this. We are now in XXXX and this issue is ongoing. Please help me. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: Ocwen Financial Corporation
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
ocwen loan servicing llc was keep sending me a letter attempting to collect debt regarding loan number XXXX we have no idea of what and who do we owe this loan. we believed that XXXX mortgage transferred our acct to XXXX after we filed bankruptcy chapter XXXX. also possibly after we shortsale the same properties the next year. 
short sale was done under the advice of my lawyer because for two years after got discharged from chapterXXXX, properties is still under our names, and we can not buy a new house. so, in order to removed those properties in our name, we short sale it and went to legal process.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-31
Company: Ocwen Financial Corporation
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am having a very difficult time dealing with my mortgage company, Ocwen Loan Servicing, after securing a modification that has encountered hurdle after hurdle. It appears that they have lost or misplaced many of the payments made to them. And even though they say that they are 'attempting ' to assist, Ocwen is known for their roughshod, rush to judgement, tactics. I have a very difficult, almost impossible time, trying to contacting them and attempting to work out anything that helps with the situation. 
I am physically XXXX on a extremely limited budget without the income arising from my residence. I need the CFPB 's assistance to impose surveillance and operational sanctions on Ocwen 's Ombudsman, regulatory and decision making processes that may very will result in a foreclosure and related type actions on us. We have been working on this for almost a year and as soon as XXXX issue is solved, another one comes to take its place. It is not only frustrating but most of all counter productive to preventing adverse actions and losing the home. We are not in formal foreclosure as of this day ; but that could change tomorrow without warning or problem on their part. If legal means are important, than we would like to have assistance in this area. Speed is of the essence. 
If possible, I would like someone to call me and assist in outlying a plan for success. I have many documents that can be sent to assist in this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15
Company: Convergent Resources, Inc.
State: DE
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:
XXXX has XXXX accounts in my name that were fraudulently created. I was working with their fraud department when they sent it to Convergent Outsourcing and refused to continue to work with me. The XXXX account number is XXXX for {$1200.00}. My id was stolen around the time this account was opened. Convergent says they will not even start a fraud investigation without a police report. But the Fair Credit Reporting Act does not require that I file a police report to report Fraud. They are in violation of federal law. 
The smaller XXXX account is XXXX for {$360.00} dollars Your complaint number is : # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30
Company: Optimum Outcomes, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I recently moved to TX and got this phone number. I receiving phone calls for a XXXX XXXX XXXX between 4-5 times a day. I have notified the company numerous times that this is a new phone number belonging to the XXXX 's and they continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: ATG Credit, LLC
State: MI
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recieaved a letter from a company called ATG Credit , LLC stating I owed money to XXXX in XXXX 2016. I called XXXX on XXXX XXXX, 2016 and told them I know nothing about this charge and wanted to dispute it. The person said OK they would put a dispute request in and send me documentation from XXXX. In XXXX of 2016 my credit report was now being reported as a collection agency for something that I still had no idea what it was for and had nothing from XXXX showing what is was for. On XXXX XXXX, 2016 I was sent a ledger as proof from XXXX which was now over 60 days later of me entering a dispute. What XXXX sent me still shows nothing of how this debt is mine. I called them back and told them this and they said they will reach out to XXXX for more info. This should not be reported to my credit if they ca n't supply proof within 30 days or send proof of how it belongs to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01
Company: Broward Adjustment Services
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I had insurance instead of submitting the bill to the insurance company they are constantly putiing them on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: Stellar Recovery, Inc.
State: MT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have paid this debt with the same account number through a different collection agency. I have proof that the debt is paid as the account numbers match for the same debt. I have faxed and emailed proof of this debt being paid but the collection company refuses to work with me and still holds the debt. They tell me they " will update my account with the notes that I dispute this debt ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation