BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-07
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have filed a complaint and have been working with Ocwen to finalize this modification as of XXXX of XX/XX/2014. I have made all payments from what we were told and on all our statements nothing is being posted for those payments as well as we did get a new doc to finalize but our principle has gone from {$360000.00} to {$380000.00} which means they have not posted the payments and are now trying to take advantage of the funds and my payments. We are in the process of doing a sale on the house but they have not corrected my wifes and my credit reports as they have been posting that it is unpaid and they need to correct the balances and fix based on payments. This is an illegal activity that they are continuing to do. 

we have also obtained all proper insurances and are being told that XXXX is not rated high enough for them to be used for insurance and when I talk to XXXX they state ocwen is nuts. They 're also requiring insurances I do n't legally need.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
Pretender lender loan servicer " Ocwen Loan Servicing '' employee " XXXX '' returned my call, XX/XX/2017 at XXXX. I told XXXX she and Ocwen must stop committing fraud against me, attempting to seize my property I own free and clear., XXXX informed me that she and other Ocwen employees will continue to service the fraudulent pretender lender loan account. Totally delusional and a total waist of time. I will retain XXXX now and the other lawyers who will back up XXXX and take on the Ocwen XXXX. Jury Trial Requested!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-02
Company: Revenue Recovery Corporation
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have recently discovered some collections on my credit report that do not belong to me. Someone has used my name and now I am repeatedly being harassed and threatened for bills that do not belong to me. These agencies use XXXX collection attempts and the US Govt. should stop this. These collection agencies are relentless and they continue to call my place of business, my home, my friends and my relatives, all hours of the day or night seven days a week. They are trying to force me to pay for services and/or bills that are not mine. Also the collections are from a state I have never resided in. I have tried to resolve this on my own to no avail and I refuse to pay or settle on a bill that is not mine. Looking through my investigative notes it seems that the ( XXXX ) medical collection 's on my credit report are connected to XXXX visit to a NC doctor visit. It seems my name has now been sold to yet another batch of piranhas because I am now being harassed from new telephone numbers from a different state.

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
Consumer complaint received 2015-08-21
Company: Ocwen Financial Corporation
State: NE
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I went under contract for a house, XXXX XXXX XXXX XXXX, XXXX XXXX, and ocwen came through after the sellers and I jumped through hoops for 3 months. I would like some sort of repayment in the {$1000.00} some odd dollars i spent on inspections and appraisal. This house was stolen from me by ocwen. I need repayment so i can go look for a new house. I was under contract for XXXX $ and you bought the house for XXXX i believe. so i want something for all this!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: Dovenmuehle Mortgage, Inc.
State: NH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I requested a 6 month forbearance for my government backed FHA loan in compliance with the federal CARE act. My loan servicer, Dovenmuehle Mortgage, refused to comply with federal law. They will only offer 3 months, and at the end of those 3 months will require a lump sum payment. They refuse to restructure the loan in anyway to assist with the lump sum. 

I requested 5+ weeks ago to relocate for my job. I have called multiple times and they state there is no one in the Research Department that will take phone calls to update me. I have asked for permission to relocate because I am required to do so since this is an FHA loan with occupancy requirements. I have updated them weeks ago that this is now more urgent due to Corona virus and losing my full time job. They refuse to answer me. 

I got a notice that due to my forbearance, they will be requested a new appraisal of my property as part of Loss Mitigation and I will be responsible for this appraisal. I did not agree to this nor is it necessary, since they have agreed to at least 3 months forbearence and payment was only just due for 1 month as of today. 

I have spoken to HUD, and they have agreed my mortgage servicer is in violation of FHA and federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20
Company: Jon Barry and Associates, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I checked my credit after being denied multiple times for a new auto loan. I noticed FOUR accounts for DBA PARAGON REVENUE totaling amount of {$500.00} with the ORIGINAL ACCOUNT OWNER as XXXX XXXX XXXX. First, each of these debts are a violation of my HIPPA rights, as I did not sign a release to have my medical records, including costs, shared with any outside agency. Second, I never received any correspondence from the medical facility or the doctor after my care as I made sure they knew that I was indigent and had no income. Third, I have a right to be notified with proper instructions on how to dispute, according to the Fair Debt Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Less than two weeks ago usaa opened a closed account after a direct deposit was mistakenly sent there and they took my money that never should've been owed but thats irrelevant atthis point. Usaa then closed this same account t and mailed a check. They did all of this without my consent or authorization. But now my much needed stimulus check was sent back and they refused to open this same account even though they had just done this very same thing less than 2 weeks ago. Now I'm going to have to wait even longer for my stimulus due to usaa 's extremely selfish unfair business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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: Their investigation did not fix an error on your report

Complaint:
I call Transunion to dispute a Bk showing on my credit report and I request Mov

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 2017-10-13
Company: EQUIFAX, INC.
State: NY
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: Their investigation did not fix an error on your report

Complaint:
This is an ongoing issue that I am having with Equifax. I am the victim of identity theft and I am disputing the hard pulls on my credit report that I did not authorized. There are 4 hard credit inquires on my credit report which I did not authorized, and these are fraudulent inquires. There are two inquires for XXXX date XXXX XXXX, XXXX, and XXXX XXXX. Also there is an inquiry for XXXX XXXX date XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX dated XXXX XXXX, XXXX. These inquiries are fraudulent, and I did not authorized these inquiries. I disputes these items with Equifax and yet Equifax failed to properly investigate these fraudulent inquiries. Just as recent as XXXX/XXXX/XXXX I disputed these inquiries that are reporting on my Equifax credit report with Equifax and I was provided a dispute number XXXX, the next day XXXX/XXXX/XXXX I received and email form Equifax stating that their investigation is complete. Now you tell me how is it that these items were investigated in less than 24 hours. Prior to that date I disputed them and its the same issue going on. Now Equifax is suppose to completely investigate these and they have not done so. I want these item properly investigated and remove from my credit report because I did not authorized these.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-20
Company: Mercedes Benz Financial Services
State: NJ
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
MB Financial is not forwarding my payment data to the XXXX credit agencies - specifically for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This has resulted in a significant reduction in my XXXX score. I have spent numerous hours on the phone over the past 6 weeks with MB Financial agents and supervisors without success. Emails go unanswered and there is zero followup. All MB Reps agree that payments are paid in full and on time but never resolve the problem.

Company response to consumer: Closed
Consumer complaint received 2021-12-24
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A collection account showed up on my credit report out of nowhere. I contacted the credit agencies to dispute it because it doesn't belong to me. I have no knowledge of the account and I received no notice from anyone about the account. It just showed up on my credit report. I contacted XXXX to dispute it. XXXX sent me an email with a document showing that they added a note to my credit report that it's disputed, but the account is still on my credit report. I have no documentation concerning this account because it is not mine! I have no knowledge of the account. It is not my account.

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 2021-12-24
Company: Experian Information Solutions Inc.
State: MD
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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to XXXX Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means XXXX has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2015-12-18
Company: HW Holding, 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:
Hunter Watrfield claims to be collecting on behalf of XXXX some rental company which I never had business with. My numerous attempts to resolve the matter with them went ignored. I requested debt validation in accordance with FCRA rules and regulations and they failed to proof validity or ownership of this debt. However they are still reporting this on my credit report which is damaging my credit rating to an extend. I request they DELETE this collection from my report and STOP their harassing collection efforts once and for all!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24
Company: KEYCORP
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Received an email from XXXX that my personal information was being used to open an account with Key Bank for a credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I was put on a modification payment XX/XX/XXXX and made the required downpayment and when I went to make my XX/XX/XXXX paymen ton XX/XX/XXXX. ocwen would not take my payment online and I called and was told a relationship manager would call me on XX/XX/XXXX at XXXX. no one called. I called again and was told the next available date for a call back is XX/XX/XXXX and I asked for an earlier appointment as I wanted to make sure I paid XX/XX/XXXX mortgage per the repayment plan. I received a call XX/XX/XXXX and explained this again and and I was put on another repayment plan to take effect XX/XX/XXXX with a payment of {$4900.00} and 5 payments of to get back to current payment of {$3500.00}. I schedule another call back for XX/XX/XXXXto make sure payment was taken out of the account on XX/XX/XXXX. I am told today that was denied. each time this lender keeps giving info to me and I comply and then they change their mind and causes more fees and time. I never received any mailed documents as it was to be sent via email as requested. now they cant take the payment because its over 90 days. and the relationship manager refuses to transfer me to US rep., I have waited over 1 hour to speak to a manager in their XXXX office andXXXX keeps calling to transfer me and I cant keep holding

Company response to consumer: Closed
Consumer complaint received 2016-09-09
Company: Ocwen Financial Corporation
State: IN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My soon to be XXXX XXXX XXXX mother has been trying to submit her application to Ocwen for seven months. She has resubmitted information five times. Each time she is scheduled for a phone interview Ocwen representatives tell her she has not complied with some part of their paperwork process. Her information has been reviewed prior to sending, and is correct, yet each time, the representatives say that they are not saying she didn n't send it, just that they did not receive it. Her initial application was XXXX of 2016. She has been told that she now has to redo the complete application because she is outside of the 90 day time frame. Ocwen is stating they reviewed the case on the XXXX day and that she is missing the same information she already provided. They are stating she must start over. She began the process due to illness and being off work. She is behind on her mortgage, but has not stopped paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: Ocwen Financial Corporation
State: KY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have a property I can no longer afford, I 've been working with my lender in trying to give back ( deed in lieu ) or short sale, at the same time I was served with papers in seeking a REM judgement against me for the property. I have no way to pay for an attorney to review my case & move forward. I 've been so stressed & confused due to the bombardment of request from my lender, I 'm not sure if they know what they 're doing, cause I 'm lost. 

note : we did have to file bankruptcy before on this property once before, discharged XXXX also, due to the mortgage crisis, Mortgage Settlement, we were not offered a loan modification after receiving a settlement check, not sure even if we were at that time.

Company response to consumer: Closed
Consumer complaint received 2015-09-30
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, 2015 I wired my mortgage payment of {$5600.00} with XXXX Reference number # XXXX. Ocwen refused to accept my wired mortgage payment of {$5600.00} and wired it back to me on XXXX XXXX, 2015. 

I spoke to a representative before wiring the mortgage payment and she had advised me to wire {$5600.00} to avoid my account becoming blocked and going into foreclosure. Ocwen representatives have given me wrong information regarding my account and the sending of my mortgage payment in several occasions. 

Because Ocwen has returned my mortgage payment back to me, I have fallen behind on my mortgage payments. Ocwen has intentionally made it difficult to reinstate my mortgage back to a current status. Ocwen is demanding {$13000.00} currently to reinstate my account, due to their fault of returning my two mortgage payments back to me. 

Ocwen has done this intentionally so they may foreclose on my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22
Company: Kansas Counselors, Inc.
State: MO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I need help, I have disputed a medical charge without receiving full validation and this company is now threatening me. They call during working hours etc. All I need is actual validation of this to review. Why is it so hard to obtain? Why does a collection firm need to be rude and threaten a person to pay?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-24
Company: QuadPay
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I use Zip ( Quadpay ) for online shopping due to ease of use and to keep my debit/credit cards hidden when I shop online.

I used Zip for 2 separate XXXX orders in XX/XX/2021. I recently ( XX/XX/XXXX ) returned items from both transactions and the refund total was {$380.00}. This amount was confirmed by receipt as well as XXXX customer service. 

Zip refuses to refund the full amount, and instead is sending inconsistent emails with different amounts promised as a refund. Please see attached emails with varying information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I refinanced my HELOC in XXXX of 2015 from Ocwen to XXXX XXXX XXXX. On XXXX XXXX 2015, my representative from XXXX XXXX XXXX sent a check to Ocwen in the amount of {$91000.00} to pay off the HELOC. This check was received by Ocwen in XXXX XXXX XXXX, FL and was signed for, however the check was never deposited. XXXX XXXX XXXX called to inquire and then sent another check for {$91000.00} on XXXX XXXX, 2015 which again, was received and signed for but never deposited. I have tried numerous times to resolve this issue with Ocwen. My calls always go to a " global help desk '' in XXXX and they are not able to send me to a manager or give me a US phone number to reach someone in the FL office. It is now almost 4 months later and Ocwen will not help me resolve this, they ca n't even tell me where to send a check at this point. Meanwhile, I have XXXX HELOC accounts for {$91000.00} each, XXXX interest payments and my credit score has dropped significantly because of this problem with Ocwen, causing problems when trying to buy a car today due to my lowered credit score. We have worked with XXXX relationship managers and XXXX escalation managers. After over XXXX emails and hours upon hours on calls with Ocwen they seem to only be interested in keeping the account open to earn interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am in foreclosure. I was offered a trial modification plan with the first payment due XXXX XXXX, 2016. I had a XXXX and was in the hospital so I was not able to make the first payment on time. I called OCWEN loan servicing and was told that I could submit the payment on XXXX XXXX. On XXXX XXXX, 2016, I submitted both the XXXX XXXX, 2016 and XXXX XXXX, 2016 payment for the trial plan with the signed trial plan. I was then told by OCWEN that this will not work and they still plan on selling my home on XXXX XXXX, 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-13
Company: HW Holding, Inc
State: DC
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 recently received a new phone number, which I think has been recycled from someone else. I continuously get automated 'debt collection ' messages from them, one, sometimes two a day. I have blocked the numbers, but, of course, they keep changing it. Whatever debt they are trying to collect, I 'm the wrong person and they need to stop, but as it seems to be a fully automated system, there 's no way I can get them to. The company comes up as " Hunter Warfield '' and the last number they used was ( XXXX ) XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation