BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-23
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
I have previously made several prior formal written attempts to protest the fact that although CFPB keeps sending me written communications instructing me to Log-in, at https : //help.consumerfinance.gov. to review my complaint status on submission number : XXXX ; your continually site blocks all my attempts to login and the password reset function states my account has been disabled. 
Your latest written communication is dated XXXX XXXX, XXXX, and once again claims the company has taken steps to resolve my complaint ; but as of today my account still remains disabled.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
According to the Credit Reports I have an open Mortgage Account with your company. OCWEN At one time I had a XXXX and XXXX Mortgage with GMAC Mortgage. It was for a property at XXXX XXXX XXXX XXXX VA XXXX. That property was sold XX/XX/XXXX and all notes paid off. The HELOC was paid off XX/XX/XXXX. While the XXXX Mortgage was report as paid off and the XXXX was apparently not. 
Since GMAC went under and your company bought the what was left, I now have an open Mortgage listed with your company. 
After everything was paid off, I no longer have the original documents with account numbers

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10
Company: Ocwen Financial Corporation
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have filed numerous complaints in the past year and Ocwen has never tried to resolve my issues to my satisfactory. They have paid my condo association over {$25000.00}. which they should not have and added it to my escrow which I never had an escrow account to begin with and charging me almost 8 % interest on top of that. They are now threatening me with foreclosure and this issue has not been resolved. The federal government is still allowing them to rip people off with no repercussion. They have been sued by XXXX states for XXXX of dollars and still they continue to operate as they always have. They have sent me false invoices through to XXXX which, which in itself is a federal offense and punishable by law with fines up to {$10000.00} per each offense. THEY NEED STOPPED!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: PHH Mortgage Services Corporation
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I discovered that the mortgage company misapplied funds for my XX/XX/XXXX mortgage payment. I pay my monthly mortgage of {$1300.00} in XXXX payments. PHH received the first half of my payment XXXX {$670.00} XXXX for XX/XX/XXXX on XX/XX/XXXX and the second half ( {$670.00} ) on XX/XX/XXXX The payment received on XX/XX/XXXX was incorrectly applied to additional principal and not the mortgage payment. The second half of the XX/XX/XXXX payment and all subsequent payments have been appropriately applied to the mortgage payment. 
I called PHH Mortgage Company on Monday, XX/XX/XXXX to advise them of the error and requested to have the XX/XX/XXXX payment for XX/XX/XXXX appropriately applied to the mortgage payment and not used as an additional principal payment. I was informed that my request would be reviewed and for me to call back next week for an answer. 
I received a call from XXXX Mortgage XXXX ( XXXX ) today, XX/XX/XXXX, informing me that my request was denied and that the XX/XX/XXXX payment would not be applied to the mortgage and that I am responsible for bringing my account up to date for the XX/XX/XXXX mortgage payment. I explained to the representative that my XX/XX/XXXX mortgage payment was already paid in full and paid early with the XXXX part of the payment received on XX/XX/XXXX. I was told the payment was incomplete for XX/XX/XXXX and I am responsible for sending the second part of XX/XX/XXXX 's amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: VW Credit
State: WA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I leased a new car through VW credit. I recently returned my car to the dealership, and for the first time after three years of having the car, I was made aware of the disposition fees. I tried to dispute the charges with VW credit as I was never told about such charges. They refused to remove the charges, instead they insist that the charges are on the contract which I signed. I explained that I was never consulted or told about these charges, which is dishonest business practice not letting the customer know about the terms of the contract. I also explained that I never leased a car in the past, and never knew about the disposition fees. VW credit instead pushes and forces me to get a new car from them in order to remove the fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: LAKEVIEW LOAN SERVICING, LLC
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We paid off our mortgage on XXXX XX/XX/XXXX. We paid it off 20+ years early to get out from under them. We have yet ( XXXX XX/XX/XXXX ) for Lakeview Loan Servicing , LLC to send the lien release documents to our county to process the title. They are essentially holding our house hostage. I have called numerous times to try to resolve this. I have been hung up on, dropped from calls, been talked down to, endured literally hours on hold, never talked to the same person, had the issue escalated and supposedly expedited. I was never rude, but my frustration with the process was evident. I even apologized for my frustration! I have NEVER had this kind of difficulty with any company, including Medicare! All we want is for them to send the lien release documents to the county. Our county has NEVER received anything from XXXX. I am considering legal action, but to pay extra for something the company should be doing is outrageous! They were fine so long as we owed them money, but the minute the loa was paid off, it has been a different story.

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 2015-08-11
Company: Ocwen Financial Corporation
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen mortgage failed to pay XXXX out of my escrow. The insurance company cancelled my policy and did n't rewrite it. They said Ocwen pain but was 30 days late so they canceled me. This is costing me XXXX because they screwed up. PLEASE HELP My name is XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX the loan number with XXXX is XXXX. This is n't my fault but they act like it is. They now want to put me in force placed insurance that I ca n't afford. I 'm having issues XXXX. I 'm retired and on a very limited income. PLEASE HELP ME

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a business checking account with Bank of America on XX/XX/2022. The account was for my sole proprietor business. When I was opening the account, there was an offer for opening this account. The conditions of the offer were that I had to open a business advantage checking account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, deposit {$20000.00} into the account within 30 days ( I deposited this amount by check at a financial center on XX/XX/2022 ), and maintain the balance for 60 additional days. I satisfied all these conditions, and I didn't have a business account with Bank of America within XXXX XXXX of opening the account, which was also a condition of the offer. The offer was not targeted to any specific person, was available on the Bank of America website ( I opened my account online through the link in the website ), and by the terms, it was available for everyone. I have attached the screenshot of the offer terms, and of the application page. There was a bonus offer code needed, and I put that in as well, as can be seen from the screenshot of the application page. The offer promised to pay {$500.00} once the conditions were met. There was no fixed timeline of when that {$500.00} would be deposited, but only a vague promise that Bank of America would 'make every attempt to give me {$500.00} within 60 days '. Technically, it hasn't been 60 days, but I'm making this complaint to bring it to your attention that I haven't received the {$500.00} despite meeting all terms, nor was any confirmation sent to me.

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 2015-04-16
Company: Accelerated Financial Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I never received payday loan and collection will not remove from credit report. The original disagreement was over 7 years ago. Collection agency is reporting it as new debt and did not send a notice before putting it on my credit reports so i could dispute it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-28
Company: Ocwen Financial Corporation
State: ME
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received a letter from Ocwen Loan Servicing , LLC stating that myaccount had been increased. I called to ask for an explanation andtold they could not really explain it..I asked for an escrow reevaluationand was told it would be done ... .I also asked my attorney to review the leletter from Ocwen to see if she understood it and she did not, sheforwarded a letter asking for an explanation..She suggested that Icall the customer service number provided by Ocwen and talk to myCustomer service rep.. I did that and he also had no idea how toresolve the issue. He suggested that I call the research departmentwho would then call the escrow department who would take about15 days to reply. They could not provide me with a phone number ormailing address for the research department. 
I really would like some assistance in resolving this issue. 
As of today, XXXX XXXX, 2015 the reevaluation on the escrow accounthas not been done nor has anyone contacted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14
Company: EOS Holdings, Inc.
State: IA
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:
The company first started trying to collect a bill from XXXX XXXX that we did n't have. Now there trying to collect a bill with century link that we do n't have

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We sold our home and closed the account with OCWEN XXXX XXXX. In late XXXX they took another loan payment from our checking account. After repeated Emails we received a check for reimbursement. Then they did the same thing in XXXX. Again after several conversations we received another reimbursement check. In XXXX they tried again, this time we did n't have enough funds in our account so we now have over 100 dollars in overdraft fees. We are living out of the United States so this makes everything more difficult. After more emails and expensive phone calls. We finally got another email saying after checking their records we were mistaken and they never took any funds from our account after we closed the loan. I have never dealt with a company as inept as this. The sad part is we tax payers bailed out their company when the economy crashed, big mistake

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I lost my job and then the pandemic hit. I called to try to negotiate to lower this payment and there was an unwillingness to help. Now my credit score is ruined. I need these late charges off my report so I can move forward. I now have a good job and paying on this debt. 

At one point I was threatened with legal action. I understand this was a big debt, but I was willing to work with them. But it was not a friendly exchange.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-27
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have been dealing with Ocwen for year and a half to get them to fulfill their obligation to provide me with the pay off loan documents after I paid off my mortgage in XX/XX/2015. 
During all this time, they have been claiming that they did n't need to file a XXXX. Finally they did ; however, they have failed to provide me with the original pay off documents as follows : * Pay off letter dully executed in Ocwen 's letter head * Original lien release ( XXXX ) they filed with the county * Executed Proprietary lease ( they need to tell XXXX XXXX that the loan has been paid off and therefore, they only need XXXX proprietary lease not XXXX. Should Ocwen insist on getting XXXX, Ocwen needs to fully explain why they need XXXX copies. No other proprietary lease will be provided without me receiving the original signed copy I forward to XXXX XXXX ) * Original Stock certificate * Original security agreement ( XXXX XXXX obtained an assignment without me knowing about it. My mortgage has been fully satisfied, they need to release such note ) * Original letter of satisfaction. 

I want to understand why is OCWEN purposely delaying the issuance of such documents and why is n't this institution placed on warning by the CFPB. 

Ocwen will be made responsible of all the financial costs their incompetency and unprofessionalism is costing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: Duncan Solutions, lnc.
State: MD
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:
Dear XXXX : I write in order to submit a complaint against Professional Account Management ( " PAM '' ) of XXXX. PAM falsely alleges that I owe {$180.00}. I have disputed the validity of the purported debts, in writing, on numerous occasions. PAM refuses to provide documentary evidence to support their accusations. PAM and/or its agents have called me at work, called and texted my mobile phone resulting in charges, phoned before XXXX and after XXXX, sent threatening letters, and presented materially false information to the CFPB and the XXXX. I have requested that they cease and desist communication on multiple occasions to no avail. For the foregoing reasons, PAM is in clear violation of the FDCPA. Furthermore, they are in violation of the FCRA, FDCPA, and the FTC Act by falsely alleging to public entities that I am delinquent on accounts and publicly disclosing my personal information without authorization or consent. I respectfully request that you intervene and put an end to these unlawful practices. Very truly yours, /s/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Maryland XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: Paramount GR Holdings, LLC
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
We purchased a solar system from XXXX XXXX. The funds were not supposed to be paid in full to XXXX until our system was operational. 

My system is sitting in my yard, XXXX has been paid in full, and they are now out of business. 

Goodleap has a lein on my home which I was told would not happen. 

They will not send me a copy of my contract and said I need to get it from XXXX ( who are out of business ) So I am out XXXX for a non working system and have XXXX in damages to my home that XXXX created during installation. 

Goodleap says too bad, XXXX XXXX was paid, you owe us. 

Again, XXXX should never have been paid

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: Ability Recovery Services, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This 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 explanation
Consumer complaint received 2021-01-15
Company: CONDOR CAPITAL CORP
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
In XXXX of 2012, they financed my car XXXX XXXX XXXX XXXX. I was recently told the company no longer exist. I paid the car off in a year or less. I was unaware I was supposed to mail in the lien release since they were the ones who notified DMV I assumed they would do the same to release the lease. I also can not remember that far back if one was mailed to me. 
I recently requested a new title and was surprised the lien was still on it. I have tried contacting the company, but have discovered they no longer exist. I tried FDIC who directed me to XXXX  of State who directed me to a company XXXX  XXXX XXXX. XXXX  XXXX was not able to help me, and they said they have no such access to XXXX XXXX or loans outstanding or paid off. I then contact DMV Title Service who directed me to XXXX XXXX  to look up XXXX and was finally directed to you. 
Any help you can give me would be greatly appreciated.

Company response to consumer: Untimely response
Consumer complaint received 2016-09-02
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
For over 20 years since my divorce, I have had negative credit ratings and responsible parties are not providing accurate information. I have been denied credit and also issues that surfaced have not been properly handled. Yes, I went back to my maiden name, but still these issues followed me in an forceful means. In 2013, I finally had enough, but finding proper representation is painstaking and expensive. So other means to maintain sanity I have tried. Due to this issue, I am trying to work through, but unfortunately, it is overwhelming.

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 2017-01-11
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We submitted a modification package and filed a complaint ( XXXX ) in XX/XX/XXXX, and submitted a modification package per their request and the additional documentation you mentioned on XX/XX/XXXX. We received a letter of denial on XX/XX/XXXX. The reason for denial was they stated my income was {$11000.00}. As a result of this denial we resubmitted a complaint # XXXX with reference to our account XXXX. We additionally sent an entire new package with all our updated information and financial statement. Additionally a letter explaining our request was sent to Ditech to please review the information. That information clearly showed that our average monthly income at that time was not the {$11000.00} but was a maximum of {$9600.00} and asked for a complete review. The documentation was sent via UPS overnight on XX/XX/XXXX and delivered on the XXXX. In that overnight we included a letter outlining our request. To our surprise we received a letter dated XX/XX/XXXX and again on the XX/XX/XXXX stating everything they had in the first denial. In other words they never reviewed the package because their reason for denial was referencing the pay through XX/XX/XXXX and not the new data. No time was wasted as they sent it to foreclosure and we received a document filed on XX/XX/XXXX stating the property had a sale date already of XX/XX/XXXX. We additionally received your response dated XX/XX/XXXX. In that letter you mentioned if we disagreed with the income increment that was stated we could file a request to review. Obviously we definitely disagreed and that was why we had attached the information confirming our pay. They just never looked at what was sent to them. We are asking for someone to please open their eyes and review. Because my income at my prior employer was dropping every month as of XX/XX/XXXX I have taken a new position with XXXX I am only guaranteed a {$5000.00} per month pay so I will send new pay stubs to confirm. We need someone to review this properly as our desire is to keep our home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: Bay Equity LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have made multiple attempts to resolve my statement issue with Bay Equity directly, and have also requested to speak with a supervisor regarding my concern and have not received any call back I continue to get excuse after excuse.I closed my loan back in XXXX and have not received any statements regarding my mortgage. I have received numerous life insurance offers from Bay Equity in the mail, but not my statements. When I called on XX/XX/XXXX to make a payment and question why I have not received any statements the explanation I was given was that Bay Equity had the address for the apartment that was on the loan application, which I then explained was incorrect the mailing address is the property address of the home I purchased, according to the agent this was then corrected, however I continue to not receive statements in the mail. I continue to question this on the following dates XXXX and the latest call was on XX/XX/XXXX. I am very concerned because I know my escrow will be ran soon and I will not receive any statement with the option to pay my shortage, resulting in a higher mortgage payment. Please help me resolve this issue that I have tried to resolve multiple time with Bay Equity.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation