BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-26
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I received XXXX letters from OCWEN in XXXX XXXX XXXX Florida requesting that I submit a completed Tax Identification Form XXXX. The requested information was sent along with copies of SS card, loan document statements and a cover letter ( return receipt requested & returned to me ). A follow up conversation revealed their request was satisfied ; they had indeed received the information. Now, two days later I received a phone call from " collection agency '' stating they will be deducting money from my account if form not received. I advised that I will be paying off the loan before their XXXX XXXX, 2016 deadline. 
This is harassment!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
This morning, XXXX XXXX, 2016 I received consistently annoying calls from Ocwen Loan Servicing company on my landline used primarily for my home security system beginning at XXXX from one of their call centers out of XXXX . When I picked up the phone and said hello there was silence then a click as though my voice was being recorded then they hung up. The phone calls continued back to back consistently till I left the house at XXXX. Someone was purposely dialing, and/or pushing an automatic call button to annoy me early in the morning. They were harassing me and causing a lot of mental stress for me and my household.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-24
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
To whom it may Concern : I am stating I sent Ocwen Loan Servicing , LLC a letter of settlement of account by certified mail on XXXX XXXX, 2016 and a QWR by certified mail on XXXX XXXX, 2016 and Ocwen responded back to me on QWR on XXXX XXXX, 2016. I still have n't received answers/concerns regarding the loan. I am requesting a {$13000.00} settlement or modification of {$24000.00}. 


Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21
Company: Sentry Recovery and Collections, Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
This collection agency has contacted me several times about a debt that I owe them. I am unfamiliar with this company and do n't understand how that got my information. I know that if this bill is from the old day care provider that I used the bill is not suppose to be this amount. However, this occurred seven years ago. I thought it suppose to have disappeared by now.

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 2016-08-10
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is a continuance of a complaint submitted through CFPB 2 months ago, Case number : XXXX. I called XXXX XXXX the Omsbudsman assigned to me by OCWEN Financial Services in response to the CFPB complaint I have submitted, in order to get a copy of all transactions that occurred during the time my XXXX yr old mother has had her loan with them for the purposes of reviewing those documents with our lawyer. It has been 2 months and I still have not received those documents. I spoke with XXXX different advisors at her office since then. We need those documents to understand the conditions by which they have set forth for my mom 's mortgage terms. To this date, they still have not supplied me with loan documents which I have the right to receive. Originally, I was sent some documents from them that contained a fine print, unusually tiny font, that no human being would be able to decipher. I requested the documents to be sent in an acceptable font size to be legible and read.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: HW Holding, Inc
State: TN
Product: Debt collection
Sub-product: Mortgage
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I am not certain where to report this, as it was not an option in the drop-down. I chose the closest issue that was available. 

I have noticed a recent, unauthorized, credit inquiry from a notorious debt collection firm called Hunter Warfield on my XXXX report, and I am taking the proper actions to have this resolved. I was n't contacted for this inquiry, nor did I give any authorization for this inquiry. I hope that this is an issue that can be resolved.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-28
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
i am under unlawful foreclosure practices and I am about to lose my home due to duadual track I request a qualified written request and they said they have theright to reserve this information for their own, I steal waiting for a responseafter the denial of XXXX modification applications under the HAMP programthey did a payment plan ones under their in house program and let me the paymenthigher than it was at the beginning of the loanthis is about the XXXX complaint that I send and it seem that you help the bank toorganize their fraudulent procedures the comiunication with CONSUMERFINANCIAL BUREAU IT IS NOT WORKING ON THE CONSUMMER BEHALFI CALL AND THE AGENT ON THE PHONE SAID, " I CA N'T GIVE YOU LEGALADVICED " I DID NOT CALL TO FIND LEGAL ADVICE I AM REPORTINGA FRAUDULENT ACCITONS FROM A COLLECTION AGENCY ACTING XXXX BANK AND THIS COMPLAINT FORM DO NOT ALLOWED TO ATTACH ANYDOCUMENTS AT ALL

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: Experian Information Solutions Inc.
State: NC
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:
Experian continues to list erroneous information on my credit report. This has been happening for years. I have sent Experian copies of every document imaginable that proves to them, they are reporting inaccurate and erroneous information on my credit report. Experian is knowingly and willfully violating the Fair Credit Act and my Consumer Rights. They have been this daily for years. I have been sending them documentation that proves their reporting is wrong, but they will not remove this inaccurate and erroneous information. Experian continues to list an address that I have never lived at. I have sent Experian a huge amount of documents, including utility bills and bank statements and copies of my ID. Showing Experian that I have never lived at this address. ADDRESS : XXXX XXXX XXXX XXXX, XXXX NC XXXX. I have never lived at this address, but Experian will not remove it. Experian is knowingly and willfully violating the Fair Credit Reporting Act. Experian continues to list an erroneous XXXX XXXX account for {$21000.00} on my credit report. I have sent Experian tons of documents over the years, showing them their reporting is flawed and this is an erroneous account. Experian will not remove it. Experian has been violating the Fair Credit Reporting Act daily for years. ACCOUNT : XXXX XXXX XXXX, ACCOUNT NUMBER : XXXX ... ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX VA XXXX. TELEPHONE NUMBER : XXXX.The information listed on the account is full of errors and inaccurate. It is listed with a residential apartment address that is vacant, and the telephone number associated with the account is a non working telephone number. So how is Experian able to verify the alleged account, if the telephone number does n't work, and the alleged business, is not operating out of the vacant residential dwelling? And none of the contact information is valid? Also it shows the account was opened XX/2000. Pass statute of limitations. I know all this are violations of the Fair Credit Reporting Act. I want this inaccurate erroneous address and this erroneous account removed from my credit report. I also want Experian fined, if it is in your power to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-18
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
There is a NEW XXXX stand off between OCWEN and XXXX and my autistic son XXXX XXXX is getting hurt by OCWEN and XXXX blaming each other instead of restoring my perfect six year payment history so I can get a personal loan to fix my son 's XXXX. An XXXX doctor said that if he had teeth like my son, he would want to be on XXXX until the XXXX got fixed. XXXX can not take XXXX and is suffering intense pain until OCWEN and XXXX undo the damage preventing me from getting a loan for XXXX ' XXXX XXXX. This nightmare has been dragging on for months now. Here is a link that shows you OCWEN was engaged with a similar XXXX Stand Off with XXXX in XXXX 2016. The ongoing and various delays have turned this into an Americans With XXXX matter. My son could have had his XXXX by now. Because of the various delays, we have no idea when I will be able to get the loan now. I did nothing wrong. My autistic son XXXX did nothing to deserve being kept in pain like this. Here is the link to the blog about this most recent XXXX Standoff with OCWEN and another party with me and my son trapped in the middle. This should not even be happening. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: Seterus, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Received harrassing phone call at my job from Representative named XXXX XXXX threatening to deduct mortgage payment from my bank account without my authorization. My work number was never provided to this agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My home loan is through Ocwen Mortgage ( it was not the originating lender, it was sold to them ). I have tried several times to make extra payments toward the principal on my loan with explicit instructions that the money be put ONLY towards principal. Each time it was " mistakenly '' treated as a payment and had interest removed. I had to fight with their people on the phone to have the payment properly credited -- which they finally did. But, now I 'm hating the thought of having to go through it again. I have researched their site looking for proper instructions in how to make extra payments towards the principal and ca n't find the proper instructions. I 'm extremely disappointed with this company and wish I had some control over who the loan was sold to. I pay more than my mortgage each month, on time, but I feel like this place is looking for ways to make me pay extra all the time!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05
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:
In XXXX 2016 I paid off a medical bill three months early. I paid electronically thru the Healthcare Financial website. I received a confirmation email. In XXXX XXXX with Healthcare Financial called saying I owed money and had not paid since XXXX 2016. I informed her of my payment in XXXX and gave her my confirmation number. She informed me they were in the process of switching their collections system and I may have received an email confirming payment but that did n't mean the payment went thru. With her on the phone I checked by bank account and confirmed the money did come out of my account. She said she would review the account and call me back. The next several days I called to check on my account and spoke with XXXX on XXXX XXXX and XXXX on XXXX XXXX. XXXX requested I fax her a copy of the email and a copy of my bank statement. A manager called me later in the week and informed me they were looking into the account and that they would place a hold on my account until the issue was resolved. XXXX XXXX I received another call from Healthcare Financial asking for payment. I informed " XXXX XXXX '' of the previous conversations I had with HFS and of the faxed documents I had sent on XXXX. She asked that I fax them again. I did fax the documents.. The next day I happen to receive a letter from HFS requesting payment as well. 

I have paid this debt and provided paperwork to prove the payment did come out of my bank account and the company itself sent me a confirmation email.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Other mortgage
Issue: Credit decision / Underwriting

Complaint:
many years ago a mortgage broker defrauded my mom and i by putting her on the mortgage and me on the deed, ,this is my home not hers and it was my down payment..after years of attemptong to correct this error the loan was taken over by ocwen who eventually let me assume my oqwnloan and gave me a huge ballon payment and to make mattters worse they wrongfully reprted to the credit agencoies that i missed XXXX payment when my name wasonly put on the mortage 4 months ago ... ... because of this i was denied a loan for an apparatus that i need for a XXXX child that the state will not cover ... so far they have not corrected their error

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen Loan Servicing , LLC ( www.ocwen.com ) changed payments in XXXX 2016 without providing detail supporting the change. I continued to make the original payment. Now that detail has been provided, I called XXXX to make the payment to account # XXXX but the telephone message said that the account number is invalid. 

There is a payment address of Ocwen Loan Servicing , LLC XXXX XXXX XXXX in XXXX, XXXX XXXX. This address differs from the previous address for all payments of {$160.00} have been sent for more than 3 years. The previous address that my bank has been sending payments is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. All regular payments were to be sent there. 
Which address is correct? Why does n't the account number work? We want to pay but not if they will not recognize the account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30
Company: MARINER FINANCE, LLC
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I submitted a complaint to you all back in XXXX of 2015 n regards to myself and Mariner Finance please use my previous information to locate that complaint as it is vital to the complaint I making today- Mariner Finance hired a company by the name of XXXX XXXX . XXXX XXXX hired an employee by the name of XXXX XXXX. XXXX was hired to have me served in order to have a judgment by the court of law placed on me for the remaining balance of the car they sold after repossessing the car from me in XXXX of 2015. The cause of this repossession was not at all my fault I purchased a money order in the amount of {$430.00} on XXXX,2015. Mariner swore they never received the payment. I went as far as tracking the money order complaining to the post office raising XXXX, faxing proof to Mariner. On XXXX XXXX I received a call from " XXXX '' from Mariner Finance very rudely asking me what my intentions are? I begged his pardon and asked what are you talking about. He said to me a payment posted to my account XXXX XXXX for {$430.00}. I laughed so hard and said I have not sent you all a dime since you took my car that was the payment that you all claimed you never got. Just as I thought my payment set on someone 's desk the entire summer. It was probably mishandled for the week it came in was XXXX of XXXX. As you can see there are several issues here and this has caused a great deal of stress. For additional info please see previous complaint made back in XXXX. However this time we are dealing with Fraud!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Midland Funding LLC is in direct willful violation of FCRA 623 ( a ) ( 1 ) ( B ) for reporting inaccurate information after notice, and FCRA 623 ( a ) ( 2 ) ( B ) for failing to provide corrections to the consumer reporting agencies. I filed a direct dispute with their Chief Compliance Officer under FCRA 623 ( a ) ( 8 ) ( D ) on XXXX XXXX, 2015 through XXXX I selected the option the dispute the debt, listed all of the identifying information required, and explained that the debt had been settled several months ago ( XXXX XXXX, 2015 ) but that they were incorrectly reporting that the account is still open with a balance. After not receiving an email response in a week, I mailed ( on XXXX XXXX, 2015 ) a physical copy of the direct dispute to the address on my credit reports. Again, including all of the required identifying information, identifying the specific information that is being disputed, the basis for dispute, and enclosed supporting documentation ( release of judgment lien, and settlement letter from Midland 's attorney ). It has been 30 days from my XXXX dispute via their website, and as of today XXXX XXXX, 2015, Midland has not corrected the information in my credit report. This is not " timely '' and Midland has reported the same negative information again since my dispute. I find it absolutely unacceptable that this unethical company knowingly and, I believe, purposely, reports incorrect negative information to credit reporting agencies to damage consumers ' reputation and financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-31
Company: EQUIFAX, 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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX  XXXX Balance : {$2600.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Bank of America has charged to my account an overdraft fee when there was no overdraft incident. Attached is my Bank of America Checking Account history.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
AFTER I fully paid off the card they charged me XXXX dollars twice and then returned the money after delay. After I turned off the XXXX which was previously in place, they issued a check that was never cashed by me and apparently also issued credit? Then they charged interest and penalties on the 'so called debt. After the card was fully repaid they should have ceased taking automatic payments and they never advised me my account was past due based on a check I never even cashed. This business practice is a former of unethical stealing and threatened my otherwise stellar credit since they claimed they could not inform me via email since they did n't have permission to give it to me without some additional consent to let me know I was 'late '.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-28
Company: AFNI INC.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
AFNI, INCXXXX .I have a a unverified account from AFNI , INC . I had previously disputed this account this account. I have never done business with AFNI , INC Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of th debtAFNI, INC purport I owe. I request that AFNI , INC Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that AFNI , INC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account NumberXXXX

Company response to consumer: Closed with explanation