BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-01
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This is a continued complaint from CFPB case # XXXX. 
I was offered a loan Modification by my loan servicing company in XX/XX/XXXX. I happily agreed to the modification terms and have been in good standing ever since. I recently decided to list my home for sale and I found that the second mortgage lien had never been removed from my property. I contact my loan servicing company ( Ocwen Mortgage Loan Servicing ) and asked why it had not be taken care of during the modification process. They told me that they had nothing to do with a second mortgage and that is why it was not a part of the modification. I told them that it is a part of the modification process to address second mortgages ( the first and second belong to the same company - XXXX and were serviced by the same servicing company Litton Loan Servicing ). They did some digging into the file and they found the charged off loan. I was then told that it belonged to a collection agency by the name of XXXX. I called XXXX and they stated that it was a unenforceable debt and that it is now in the name of Ocwen. They said that it was given to them when they took over servicing for Litton Loan Servicing. I then sent Ocwen a QWR for information on both the XXXX and XXXX mortgage. Now Ocwen is telling me that XXXX as trustee for XXXX is the owner of this lien and they provided ( through a QWR ) the contact information of XXXX, XXXX, IL XXXX with a phone number of XXXX. They state that they are servicing the discharge loan for XXXX. I have attempted to reach XXXX with this information and the contact information is incorrect. I bank with XXXX Bank and have asked for their assistance with this matter but have not received any information at this time. It is my belief that XXXX served as the trustee for XXXX while they were in Bankruptcy ( XXXX BK case # XXXX ). This case was finalized by the Bankruptcy XXXX XXXX in XX/XX/XXXX. Now Ocwen 's Attorney are telling my Attorney that they want to collect the full balance of the loan. I feel that they have deceived me with the promise of a modified loan and now that the market has changed and the market value of my home has increased they are trying to collect moneys for a XXXX debt that I was told by the previous servicer was being removed. I need your assistance with this matter. Ocwen is once again creating hardship for a home owner with their unfair practices.

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

Complaint:
Hello, Once again I am complaining about Ocwen and their services and ways to try get you kicked out of your home. I have written multiple complaints about them XXXX us up on our escrow and how they miscalculated. Well we are currently 2 months behind, not 3, 2 and I went the make a payment via online but was refused, so I called. Well I spoke with mulitple associates, one being a XXXX number XXXX and he advised me that we are 3 months late and we can only make a payment via XXXX XXXX, bank wire, and or cashiers check. we need the total amount of {$3500.00} +/- some change by XXXX tonight. Well back in XXXX our monthly payment was {$1300.00} and so we made a payment in XXXX for {$1300.00} but it was suspended on our account, the money was taken from our bank account mind you but it was suspended so it makes it seem like we are behind a month. We owe for that month {$260.00} that we were short because they raised our payment due to the escrow. Well we have been late every month and today again I go to make the payment and now they wo n't take it. My question is why they are holding that payment, they say because it was n't in full, but it again was due to the escrow problem. The point is I made the payment and we are only technically 2 months past due, not 3 as they are implying. They will not help us financially, they wo n't re-modify us, they did lower our payment from the multiple complaints I have made with the CFPB regarding the escrow, but only {$40.00}. So why ca n't we pay our bill!! It 's not our fault they XXXX up our escrow, not {$40.00}, but more like {$200.00} extra a month! I have enclosed a copy of our payment history and they suspended payment is on there. We have had one payment reversed but that was due to a closed checking account, but it was paid within a day or two. I just want to make my payments, affordable payments, and stop the constant paper trail of false commitments from Ocwen stating they will help us and they keep denying us help because of our investors!! Also making us pay for the postage!!! 
In conclusion, we just want to make our payment and try to get ahead, but affordable payments. Acct # XXXX Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
my mortgage holder people wanted me to give them illegal information on mt tenants rental application & rental agreement and I told them that I was not to jail for them because that is against the law and they called me and told they ca n't complete my modification with those XXXX items. so here we are.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Equifax failed to respond to my dispute letter of XX/XX/2022. As you are well aware, federal law requires you to respond within 30 days. It has now been over that period since Equifax received that letter. As you are no doubt aware, failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. Obviously, I am maintaining detailed records of all of my correspondence with Equifax. I have also mailed them detailed information about their failure to respond along with a copy of the original letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26
Company: Troy Capital, LLC
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
i signed up with XXXX to take classes on line for my XXXX degree.iwas given a loan of XXXX.i was never able to contact any one from the school for assistance or questions regarding my classes, also i was never able to pass any of my exams.i made multiple attempts for assistance but not able to get any.the cost of degree promised to me turned out to be astronomical with hidden fees and no one to contact at college network.doing so i stopped paying loan given to me by XXXX.at present i am being contacted told there is a judgement against me for non payment for something i did not benefit from.i have spoken to other XXXX who verbalized that they have had the samep roblem sign up with the college network get a loan from them and not able to get any assistance thus leaving us with a large loan and no repay with no degree to show.the name of the school is college network the name servicing the loan is troy capital llc XXXX florida.the XXXX which is permanently closed a class action is being taken by them since 2014 i am one of their individual who signed up for their classes.i would greatly appreciate a response to my petition for help.i truly feel i should not have to pay back this loan due to college network incompitence and multiple complaints made all over the united states.forced to pay back a fraudilent loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03
Company: LTD Financial Services, L.P.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX is a terrible harrassing debt collector. My debts are in order. Their info and constance for nearly 16 years! Must END. I do not owe XXXX I do not owe Asset Advantage Co. They are 3rd party charged off accts closed w my divorce attorney during my XXXX battle in XXXX. Please cease their mailings. I can not deal with any collectors! They were told repeatedly to stop. Their letters to my jobs. Enough! I am a patient at XXXX XXXX XXXX. I pay my home car and medical and utiluties only. I am not bringing back charged off debts from my 1st XXXX. Any accts were closed properly with XXXX XXXX years ago. Tell them to stop contacting me. I called NJ Ethics Div numerous times. I filed with CFB years ago. Why do they not cease!? My career js ending XX/XX/XXXX my co. Is not doing well. I am a XXXX patient and single parent. I am trying to find a new career and take care of my health. Please contact them asap. Also XXXX XXXX get them to remove off my credit report. My car was protected under lemon law in XXXX. They had a class action against them too. Please square away both. I am not well to handle all this unnecessary stress. XXXX XXXX of NJ first and foremost has incorrect and old old old info They buy charged off debts and harrass people. XXXX was XXXX and a refinance. Handled properly. Adv Assets i have no debt ever for. So please or I will file a police report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I 'm currently dealing with a situation the mortgage lender, Ocwen. I received a statement dated XXXX XXXX, XXXX from Ocwen whereby there was a fee of {$300.00} charged for what the company says was for a valuation of the property. My son, intervened on my behalf to inquire why was the charge there, and when, if any valuation was done, what was the date? In addition, my son, who I granted authorization to work on my behalf with Ocwen, questioned the company about the valuation, ie. what company performed it and was there a report written, he was told that the information was not available and they could not tell him the actual date of the valuation. Furthermore, on the date XXXX XXXX ) in question when a valuation was supposedly done, I was at my residence and did not notice anyone performing such valuation. The entire conversation with Ocwen, when my son was on the phone with them was vague and not much information was shared. In addition, a request was made to speak to a supervisor to which the response was, " none were available at this time. '' My son asked was there another office that he could contact so that he could get to the bottom of the {$300.00} fee, and again, he was told " no. '' I do not believe this fee is legitimate nor fair since no one from Ocwen can tell me when and why the valuation was done on my property. In addition to the {$300.00} fee, there have been other fees that Ocwen has been charging me in the form of inspections at {$25.00} per, however, I do not have those older statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My condo mortgage holde, OCWEN, rjust charged me {$1400.00} for a 12 month condo owner insurance policy, saying that I do not have adequate coverage for my condo unit.. so they have purchased coverage for me!!!. This is untrue. Our condo master policy covers the entire replacement cost of the my condo ... the only things not covered in our master policy are my personal furnishings. I have never been and am not currently without the OCWEN 's required coverage.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-17
Company: Ocwen Financial Corporation
State: IN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
For the past 4 years I have been trying to work with XXXX and Ocwen, for a loan modification, by using Hamp. I have submitted over XXXX applications, only to be told after several weeks something is missing, or Paperwork out of date. Foreclosure sale date has been set XXXX. We filed chapt XXXX, to stop sale the first time. On XXXX XXXX XXXX XXXX XXXX contacted us to say that they had received our paperwork from Ocwen and that we were finally going to have a workout. Paid them {$1500.00}, payments to begin XXXX XXXX. Bankruptcy was discharged, 1. Because we did not feed it. 2. Ocwen never responded to the courts regarding payment plan, but since it looked like all would be resolved, we were not going to need it. We have no other debt. In the mean time another sale date had been set XXXX XXXX, only to find out the week before that Ocwen had no relation with XXXX, therefore we had been victims of fraud. As a pre caution, we filed ch XXXX again in order to stop the sale, because XXXX attorney nor Ocwen was listening to us regarding what had taken place over the last 6 months with XXXX. The night before the sale, the sale had been stopped. Ocwen asked that we re submit paperwork for loan modification, then was told that the off shore bank XXXX XXXX, would not except the Hamp program, and they were going to try to do this in house. We have been submitting paperwork for over 4 years, and they just are telling us, that this trust company would not accept this govt program, and that I needed to check with my state to see if I could get assistance. All in the mean time, fees, legal fees, interstest, principal balance continues to rise. We have now received a court document Assignment of Judgement, stating XXXX has assigned all rights to XXXX XXXX. Effective XXXX XXXX. We just want to pay our mortgage. But the arrears have become so high, we are so underwater.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-28
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I purchased a home XX/XX/XXXX. It went into foreclosure XX/XX/XXXX. The home was originally purchased with cities residential. The the loan was sold to homeward. The eventually ocwen. At one point I had all XXXX loans showing on my credit with out the " transferred '' note\status. Through multiple disputes with XXXX and allow time to take place, XXXX of the XXXX loans were removed. The only loan that remains is ocwen. Ocwen is still reporting I think this is incorrect because of the time/duration that has passed since the loan inception from when the property was purchased XX/XX/XXXX Or When the last payment was made XX/XX/XXXX or when ocwen took over which was XX/XX/XXXX. All of these durations exceed 7 years. Ocwen is reporting to Equifax correct information and even though I keep disputing and keep trying to resolve with ocwen. No progress is being made. My credit has dropped significantly in the last 60 days and I believe it is due to ocwen. Please help me. The home is already sold so the amount due is incorrect as well. The address to the property is XXXX XXXX XXXX XXXX PA

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-03
Company: Ocwen Financial Corporation
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
On XXXX, we went onto our mortgage servicer 's website, Ocwen loan servicing to check to see if the information they have was correct. We noticed the last time Ocwen reported to the credit bureaus was on XXXX. We also noticed that we had no information prior to XXXX XXXX. In XXXX of the credit history reports, it reflects that Ocwen notified the credit bureaus a XXXX on XXXX & XXXX XXXX, when were were not late. We sent our payments to Ocwen by certified mail after we received our HAMP modification in the beginning of XXXX. Ocwen also shows that we have no payment history for XXXX XXXX, XXXX thru XXXX XXXX and XXXX XXXX to present. Please review our payment history printout. As you can see, from the payment history report that was printed on XXXX, we paid Ocwen on time since XXXX. Please review all enclosed documents. On XXXX, we called Ocwen to have these issues corrected but Ocwen failed to accurately report once again to all the credit bureaus. On XXXX, we went back on Ocwen 's website and printed up more documents. As you can see, Ocwen changed our credit reports and is now showing, no payment history available from XXXX XXXX & prior which is incorrect when we made our mortgage payments every month and on time ever since we had received our HAMP modification in XXXX. Per CFPB request, we can provide documentation that we made our payments and on time! If this occurs, Ocwen must be held responsible for my time/costs to locate all the documents! On the new credit history report from Ocwen, it reflects no history in XXXX, no payment history available from XXXX to XXXX XXXX, XXXX to XXXX XXXX. Enclosed are copies of the reports printed from XXXX website along with the credit bureaus reports for XXXX XXXX and XXXX XXXX along with a HAMP modification that was executed in the beginning of XXXX. Again, we sent all of our mortgage payments to Ocwen by certified mail every month and they were on time. Ocwen loan servicing has failed to comply by the law ( s ). Ocwen has failed to report our mortgage loan by law to all of the credit bureau 's on time ( monthly ) and accurately. Ocwen and it 's affiliates must be held accountable for their actions but not limited to the following ; fines being imposed, loss of business license, criminal charges, lawsuit. By Ocwen not reporting on time and accurately, Ocwen has damaged our credit history/rating ( fico scores ) causing us not to be able to get a loan. We request that Ocwen loan servicing correct these issues and report accurately going all the way back to XXXX, to all of the credit bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: Healthcare Financial Services, LLC
State: MS
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
First, I am a veteran, so there was never a bill for me to pay. The company Healthcare Financial Services ( XXXX XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) on no ones authorization put me in collections and on my credit report for bills that I never had. I was about to pay them ion order to get them removed from my credit report, but instead went to the ( XXXX ) and sat down with the director of business office and came to find out that She never even sent them any information or a bill concerning me because there was no bill to send. They also fabricated XXXX other bills that the ( XXXX ) can verify in the total amount of around XXXX dollars. THe hospital ( XXXX XXXX, XXXX ) called them and straightened the matter out, but they ( Health Financial Serv. employee contacts were very rude and laughing about the matter. If i had paid the amounts that were asked for where would the money have gone for a bill that did not exist? They are running a SCAM and need to be totally shut down and I am filing a suit because of the damage that has incurred on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We had a home mortgage through  XXXX   XXXX  that allowed us to pay the loan off a head of time without penalty. We put additional money to the payment to have the loan paid off in  XXXX  instead of  XXXX . At the end of  XXXX   XXXX  sold our mortgage load to a company calle d Select Portfolio Servicing , Inc  out of  XXXX   XXXX   XXXX , Utah. In the letter  XXXX  said Nothing about our mortgage load will change.     We sent our first payment t o SPS, Inc o n  XXXX   XXXX . A little while later we check and saw the the check had been cashed. They never sent us a statement on how the money was disbursed. After contacting  SPS  customer service, they sent us the breakdown. The total payment was being held in a thing called unapplied payments because our account was paid up to date until  XXXX  of  XXXX . Upon talkin g to SPS as to w hy, they said they are reviewing it. All we want is the same procedure that  XXXX  was doing with are payments.   Ta king out Principle, Interest, and the add itional principle that we send monthly.     We set up online payments with this company and was told we did it properly. but on  XXXX   XXXX  we tried to do our payment online and was told we were ineligible.   Called SPS back the account is still under review. It just seems like we ca n't get a straight answer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was denied for HAMP program on XXXX/XXXX/2015 ( See attached letter ). My attorney requested the NPV chart tied to that Making Home Affordable Program ( HAMP ) review and Ocwen states I was not denied for NPV so they are not required to issue the NPV chart to the me. If I was actually reviewed for HAMP, then I want the NPV chart to make sure the correct values were used as I believe I qualify. The only conclusion I can come to is that Ocwen is blocking me from review for HAMP and HAMP 2. or the investor of myloan is not partivipating in HAMP. However, Ocwen states my investor is participating in HAMP and that I was reviewed for HAMP and I simply do not qualify. My attorney has run the NPV on check my NPV web site and it comes back positive ( See attached ). I do understand that there are variables that can change with each investor, but I do not understand why Ocwen refuses to give me the NPV and disclose the numbers they used in the HAMP review. Ocwen is evading issuing me the NPV chart after denying me for HAMP and HAMP 2. My attorney believes the program ( HAMP ) requires servicers to issue the NPV chart if they deny a borrower for the HAMP program. I was offered a regular modification with worse terms than I would be offered with HAMP. It appears Ocwen is doing this on purpose and they are unwilling to review me for HAMP and isssue the actual ( NPV ) findings solely to offer me a worse deal with worse terms which I can not afford.

Company response to consumer: Closed with explanation