BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-31
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting

Complaint:
This is not a duplicate. OCWEN has replaced a damaging comment on XXXX with a damaging comment it used several months ago, knowing it lowered my credit then. This is different than the XXXX comment, but damaging just the same : disputed XXXX XXXX, XXXX Account Details Last Reported XXXX XXXX, XXXX Creditor Name OCWEN LOAN Account Type Conventional Real Estate Mortgage Account Status Open Opened Date XXXX XXXX, XXXX Closed Date -- Limit -- Term 44 Months Monthly Payment {$870.00} Responsibility Individual Balance {$79000.00} Highest Balance {$470000.00} Payment Status Current Worst Payment Status Current Date of Last Payment XXXX XXXX, XXXX Amount Past Due $ XXXX Times 30/60/90 Days Late XXXX Remarks Dispute resolved ; reported by grantor

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have been working with Ocwen, my 1st mortgage for a very long time to process a short sale. I have submitted various offers for review and after months and months of having them take their time to review the offers, request several appointments to come into the home to valuate the property, they now refuse to proceed with approving the offer they currently have for a short sale. They have given plenty of excuses as to why they will not work with me today to avoid foreclosure but not once over these last several months have they tried to help me with being able to sell my house. After all of the hoops I jumped through to accommodate them. Today they note that the reason they will not work with me is the current sale date- but they have postponed my sale several times in the past and for some reason today are refusing to work with me and postpone this one sale that will give me enough time to finally get an offer approved at the amount they seek. I have been battling Ocwen for years regarding this home and now that I have spent a lot of time trying to do the right thing they want to ruin my life by foreclosing. All of my efforts have been made to avoid having foreclosure occur, foreclosure will hurt me financially for at least 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I do not know this debt, nor do I know who this collection agency is. I never received any correspondence from them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25
Company: Servis One, Inc., Titusville, PA Branch
State: MA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
XXXX XXXX sold my loan to BSI Financial and I am trying to pay off my loan. I can not get anyone at BSI to cooperate. My new loan is now stalled awaiting their reply to my repeated requests for a payoff of this loan

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30
Company: 21ST MORTGAGE CORP.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I filed a complaint and got nothing but double talk to confirm my feelings I called the XXXX XXXX XXXX and yes the resentative said the response made no sense ... they said I would start receiving monthly in XXXX I have not ... they did not answer my question in regards to why they are not reporting to the credit brue ... now they are making suggestion that I short sale my home I am 1 and a half months behind and am confident I will be able to catch up and the fact is I have substantial equity and do not qualify for a short sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have a mortgage that was modified in XXXX XXXX through the XXXX XXXX XXXX XXXX XXXX program. I was promised a " Borrower Incentive '' of {$83.00} per month accrued as a monthly benefit to my mortgage loan to reduce principal and to be applied each of the XXXX through the XXXX anniversaries of the month in which the Trial Period Plan was executed ( XXXX XXXX ). 
Although the incentive has been applied it has not been applied in full for any of the anniversary dates other than XXXX. 
The loan was originally modified by AHMSI, American Home Mortgage Servicing Inc, then went to Homeward Residential and now is with Ocwen. 
I can see documented and the Incentive applied as follows : XXXX/XXXX/XXXX {$910.00} ( Homeward Residential *attached ) XXXX/XXXX/XXXX {$830.00} ( Ocwen *attached ) XXXX/XXXX/XXXX {$910.00} ( Ocwen *attached ) XXXX/XXXX/XXXX {$1000.00} ( Ocwen *attached ) XXXX/XXXX/XXXX {$5000.00} ( Ocwen *attached XXXX Treasury additional incentive applied on 6th yr anniversary ) https : //www.makinghomeaffordable.govXXXX I am unable to verify the Incentive was applied in XXXX, the first anniversary and the first Incentive payment due, and most of the amounts that have been applied do not equal the Borrower Incentive as promised. 
I have asked my mortgage company for details and have been unable to find resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05
Company: Alorica Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have asked West Asset Management to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I was sued for a credit card that was almost past the statute of limitations and had been sold to collections, and I have been paying for the judgment for 2 years now and am not even halfway finished. They are not willing to settle the account, even though I have paid monthly and have not missed any payments. The debt is now almost XXXX years old, and I am willing to settle it for half the current balance, which is far more than the collection agency paid. I can not purchase a home until this is paid, and it has been on my back for a decade. I am an immigrant and did not fully understand the credit card or the collection process, and now it is keeping me from buying a home ten years later.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18
Company: I.C. System, Inc.
State: WA
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:
XXXX has submitted a collection three times on a bill that I do not owe. I have disputed it this collection twice before with XXXX CRA 's and it was removed. Now they have placed it with a XXXX collection company.

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 2016-08-06
Company: Paypal Holdings, Inc
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
PayPal suspended my account and seized {$2500.00} in funds without warning. They provided no avenue for fund recovery other than to simply hold it ransom for a 180 period, which is simply inexcusable. They shut down my account and froze the funds upon a 2nd appeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MN
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
Portfolio recovery sued me, and than called and harasses me into paying this debt in 2012. Hoping that this is included in there case because I could use a partial refund for the harassment that I went through on this debt and continued harassment because it 's on my credit for another 7 years or so.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Credit card
Issue: Delinquent account

Complaint:
I had a credit card with XXXX XXXX bank in 2000 when I wAs XXXX I was going to pay but was not able to come to agreement on terms. Portfolio recovery has been harrassing me for the past 11 years and even the letter states it will not be reporting to the credit bureau so I see no point and they call almost everyday and i think they should leave me alone I have other priorities as far as my health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-19
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
( incorrect issue type, could not find appropriate heading ) I paid off previous loan # XXXX on www.speedycash.com with a one time payment by debit card. I was unaware that this action would automatically save my debit card to the account for future use. Therefore when i renewed the loan, the debit card, in addition to my banking infowas listed in the loan documents. The loan documents indicate a saved debit card will be processed " early in the morning '' on the due date. Although I feel this is not a good practice being all financial institutions do not post direct deposits at the same time, my issue is that the website only allows you to change, not delete the debit card information. This is with a valid ACH bank authorization in place. The loan documents indicate the ACH can be canceled per customer request, but nothing is stated for debit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: Paypal Holdings, Inc
State: IA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a letter from XXXX ( which I assume is a debt collector ) they are trying to collect on someones Paypal Credit account, but its not mine. I do n't even have a Paypal account. The letter does not tell me much just that it 's a Paypal credit account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-23
Company: BANCO POPULAR DE PUERTO RICO
State: WA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XXXX XXXX XXXX listed an old ( un-owed and unsubstantiated ) debt in my report without any notice. The original claim was from 2008, and the orginal collector could never furnish any data to prove this. XXXX XXXX bought this debt and is listing in my credit report as new, has never contacted me, or provided evidence of what makes up this amount. This item should be removed from my credit report and this company should be fined. It now appears XXXX times on my credit report, even though it ( 1 ) should not be there in the first place, ( 2 ) the debtor sold it to a third party, and the third party is trying to claim this is new without contacting me or providing evidence.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09
Company: Metro Collection Service Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Somehow " XXXX XXXX '' obtained my ex wife 's cell phone number ( we 've been divorced 7 years ) and has contacted her at work, asking her to have me contact her at XXXX. After a quick bit of research, it seems that many people have had the same calls/complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21
Company: Centric Asset Management Inc
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Even though I have provided proof that a debt has been paid previously, I continue to get harassing phone calls from Centric Asset Management. They have even contacted my sister and former husband after I asked them to stop contacting me. Their calls include threats to file charges against me, sue me, and garnish my wages. I have asked them to stop to no avail.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have XXXX XXXX XXXX reporting me to the ChexSystems due to Suspected Fraud Activity. They have closed my bank account and took over XXXX dollars in fees that I was unaware of. I have requested an amount owed to this bank or a detailed reason and list of references of this matter with my signature so that I can resolve it and have this reporting deleted. I am unable to open another bank account due to this reporting on ChexSystems. I have a XXXX balance with them and still have not been given any documents pertaining to the reason or evidence of why my bank account was closed and the reporting me to this company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-20
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for a home loan modification with Ocwen over 4 months ago. My husbands job cut his pay in half, so we fell behind on our mortgage, and Ocwen told us about XXXX possible programs we may qualify for. After submitting all the documents Ocwen sent in their 'welcome package', we returned everything promptly. This is when our nightmare began. Ocwen claimed they hadn't received our documents, so we sent them again; in fact we sent them by fax XXXX, by email numerous times, and by USPS mail XXXX. Still, they say they hadn't received them. The representative we were assigned was located XXXX. His accent was so thick, we couldn't communicate with him at all. We requested Ocwen to assign us another rep, but were told they can't assign us another rep. Nothing is moving with regards to our refi. We did however find an XXXX speaking person and she became our rep. After speaking with her by phone, she specifically told us what documents were missing. She asked that we email them directly to her, so she could get things moving. We did what she asked, but haven't heard back anything. At this point we are several months behind on our mortgage, and it seems that Ocwen is doing everything possible to stall. They haven't even told us what our percentage rate or payment would be. We have read many horror stories about Ocwen's treatment of customers, forcing them into foreclosure because of their lax, incompetent and dishonest business practices. XXXX
 I recently discovered that Ocwen is now facing Federal charges for their misconduct, illegal fees, forced foreclosures; mishandling of customer's cases and much more. We feel that Ocwen is just a scam company, whose main objective is to force families into foreclosure. XXXX
We have gotten nowhere in 4 months and are desperate to close our modification and move on. We did not choose Ocwen as our mortgage company. Our loan was sold to them by  XXXX.  We have lived in our home for over 20 years, and until my husband's job pay was cut, we made all payments on time. Ocwen does not answer emails, and if you're lucky enough to get them by phone, you are transferred XXXX. At the very beginning of our attempt to get a home modification, our credit was XXXX and rising,  a score we had worked very hard for, paying off credit cards and not using credit any longer. Now our credit scores have dropped to the low XXXX and no other mortgage company will help us. By the way, Ocwen is not registered with the BBB, but take a look at the complaints on the BBB website.
At this point, we are lost, feel like victims of a scam, and don't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25
Company: Fidelity National Information Services, Inc. (FNIS)
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 was paid

Complaint:
Complete Payment Recovery Services , Inc. is attempting to collect on a check for {$55.00} they claim was returned unpaid, but in fact was paid by our XXXX checking account. They continue to call even after we informed them that this check was paid.

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 2016-07-13
Company: Debt Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Since XXXX 2015, I have been working very hard to improve my credit reports and pay old debts to better my financial future. I was able to get all negative information off of my XXXX credit report until Debt Recovery Solutions reported a {$190.00} collection without my prior knowledge. This debt is 3 years old and has never been reported to any of the credit bureaus previously. I did not know I owed the debt until I saw this negative entry on my credit report. I was never notified of this collection account by mail or any other way nor was I given a chance to pay the debt in order to avoid the reporting of the collection account to XXXX. Had I been notified of the collection, I would have gladly paid it but was never given that opportunity. I also have not received anything from DRS since their reporting to XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-18
Company: Selip & Stylianou, LLP
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX/XXXX/15 I made a settlement agreement in the amount of {$3300.00} with Selip and Stylianou LLP. I agreed to pay this debt once the settlement agreement was received in writing. I did not receive the settlement agreement until XXXX/XXXX/15 and on that same day i mailed a personal bank check in the amount of {$3300.00}. via certified USPS mail. Later on in the afternoon of XXXX/XXXX/15, I went to the ATM to withdraw money and it was then i learned that Selip and Stylianou LLP had placed a levy on my bank account and despite our settlement agreement 3 days prior. I also learned that after my account was levied they illegally withdraw {$1300.00} from my bank account knowing the settlement check in the amount of {$3300.00} was on route to them. Since this time, I have also received notice from my employer that Selip and Stylianou LLP served them with garnishment papers. Prior to the settlement agreement, my debt with selip and stylianou LLP was {$4900.00}. If you add the {$1300.00} that they withdraw from my bank account + {$3300.00}. settlement check, the total that I paid out was {$4900.00} which is {$1300.00} more than the agreed upon settlement that I have in writing. I am requesting a refund of {$1300.00}

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: ACS Education Services
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
This is a parent plus loan. This loan was was opened with XXXX Bank in XX/XX/XXXX. I think I may have converted it from Sallie May to this because I was led to think that I had to. The original amount of this loan was {$18000.00} but I still owe {$18000.00} as of XX/XX/XXXX. I had some difficulty paying through some of the years and I think some months some payments were deferred. I can hardly imagine that I still owe almost as much as the original loan after all these years. I am now retired and this is a great hardship on my wife and I. I hope, some how, there is some relief I can get from this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: EQUIFAX, INC.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I hired a law firm in XXXX 2013 because XXXX was going outside the parameters of their contract and was committing deceptive trade. The supporting documentation is attached that I have tried to work with XXXX and my attorney has also tried to work with XXXX to correct the issues they are reporting. Essentially XXXX has a glitch in their website and they are not processing payments in a timely fashion and then reporting them as past due although the payments are made prior to being 30 days over the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have recently disputed information in regards to XXXX with Equifax. XXXX went out of business because they were defrauding military personnel. If they review the date on my credit report from this company they will notice that I was also a victim. I would like Equifax to delete XXXX off my credit report due to the company filing bankruptcy and going out of business.

Company response to consumer: Closed with explanation